Women and financial literacy in spain. Does marital status matter?

2021 ◽  
pp. 1-15
Author(s):  
Inmaculada Aguiar-Díaz ◽  
José Ramón Zagalaz- Jiménez
Keyword(s):  
Marital Status ◽  
Financial Literacy

Determinants of Financial Literacy Among Indian Youth

2019 ◽  
pp. 154-167 ◽  
Author(s):  
Jehangir Pheroze Bharucha
Keyword(s):  
Multivariate Analysis ◽  
Data Analysis ◽  
Marital Status ◽  
Financial Literacy ◽  
Educational Level ◽  
Descriptive Statistics ◽  
Capital City ◽  
Financial Capital ◽  
Explanatory Variables ◽  
High Level

The purpose of this study is to examine which factors actually determine the level of personal financial literacy among the youth in India's financial capital city. A total of 650 completed and returned questionnaires have been used for the purpose of this study. The data analysis uses descriptive statistics and multivariate analysis. The explanatory variables are gender, district of residence, educational level, father's educational level, employment, marital status, and parenthood. Findings of the study depict that having children is the most positively correlated (+0.327) with financial literacy. Education (+0.245) and employment (+0.140) are positively correlated with financial literacy. It is also concluded that females are less likely to have a high level of financial literacy (-0.271) compared to males.

scholarly journals Determinant of The Financial Literacy: Case Study on Career Woman in Indonesia

ETIKONOMI ◽  
2018 ◽  
Vol 17 (2) ◽  
pp. 285-296
Author(s):  
Novia Dewanty ◽  
Yuyun Isbanah
Keyword(s):  
Marital Status ◽  
Financial Literacy ◽  
Financial Management ◽  
Education Level ◽  
Early Age ◽  
Financial Socialization ◽  
The Government ◽  
Career Woman ◽  
Positive Effect

Financial literacy is one of the relevant facts in improving the economy. The purpose of this study was to examine the influence of demographic factors (i.e., marital status, education level, income, and age) and financial socialization agent on financial literacy. Using online and offline questionnaire survey from 100 respondents in Surabaya, East Java, and the study revealed that education level, personal income, and financial socialization agent, give the positive effect, while the marital status and age does not affect financial literacy. This result implies that the government can focus on educating the development and improvement of financial literacy for the society. It is believed to be a step forward in practicing financial planning from an early age to solve problems with financial management using financial knowledge, financial attitude, and financial behavior.DOI: 10.15408/etk.v17i2.6681

scholarly journals PERMODELAN POLA PERENCANAAN KEUANGAN BERDASARKAN STATUS PERNIKAHAN

2021 ◽  
Vol 15 (4) ◽  
pp. 773-784
Author(s):  
Lukmanul Hakim ◽  
Sri Andriani ◽  
Nenny Noor Umami
Keyword(s):  
Structural Equation Modeling ◽  
Marital Status ◽  
Financial Literacy ◽  
Financial Planning ◽  
Financial Management ◽  
Structural Equation ◽  
Partial Least Square ◽  
Least Square ◽  
Financial Behavior ◽  
Equation Modeling

A Marital status at community can make an impact on financial management. The purpose of this study was to analyze financial planning based on marital status with the variables of financial attitude, financial behavior, and financial literacy towards people who live in Sumbawa. The data were analyzed using Structural Equation Modeling Partial Least Square (SEM-PLS) through smartPLS version 3.0 software. The results of the analysis in this study indicate that (1) financial attitude has a significant effect on financial behavior both based on married and unmarried status, (2) financial attitude has a significant effect on financial literacy both based on married and unmarried status, (3) financial attitude has an effect significant on financial planning based on both married and unmarried status, (4) financial behavior has no significant effect on financial literacy both based on married and unmarried status, (5) financial behavior has no significant effect on financial planning both based on married and unmarried status, (6) financial literacy has no significant effect on financial planning based on both married and unmarried status, and (7) There is no difference in financial planning based on marital status

scholarly journals FAKTOR-FAKTOR YANG MEMPENGARUHI TINGKAT FINANCIAL LITERACY INVESTOR DI KOTA DENPASAR PADA BURSA EFEK INDONESIA

2021 ◽  
pp. 1077
Author(s):  
Ni Made Wida Puspita Kirana Dewi ◽  
Anak Agung Ketut Ayuningsasi
Keyword(s):  
Marital Status ◽  
Capital Market ◽  
Financial Literacy ◽  
Total Sample ◽  
Primary Data ◽  
Structured Interviews ◽  
Analysis Technique ◽  
Research Population ◽  
Depth Interviews ◽  
The Capital Market

This study aims to analyze the effect of education level, gender, income, and marital status simultaneously and partially on the financial literacy level of investors in the capital market in Denpasar City. The research population is the entire community of Denpasar City who invests in the capital market, with a total sample of 100 respondents who were determined based on accidental sampling of a snowball combination. The research method uses primary data (observation, structured interviews, and in-depth interviews). The data analysis technique used was multiple linear regression with those analyzed by the SPSS program. The results showed that, 1) simultaneously the variables of education, gender, income, and marital status had a significant effect on the level of financial literacy of investors in the capital market in Denpasar City; 2) partially education and income variables have a positive and significant effect on the level of financial literacy of investors in the capital market in Denpasar City, the level of financial literacy of capital market investors in Denpasar City, which is male is greater than that of female, and financial level the literacy of capital market investors in Denpasar City who are married is greater than those who are not married.

scholarly journals An integrated model of financial well-being: The role of financial behavior

Accounting ◽  
2021 ◽  
pp. 691-700 ◽  
Author(s):  
Rr. Iramani ◽  
Lutfi Lutfi
Keyword(s):  
Marital Status ◽  
Financial Literacy ◽  
Structural Equation ◽  
Online Survey ◽  
Well Being ◽  
Equation Model ◽  
Financial Knowledge ◽  
Financial Behavior ◽  
Financial Status ◽  
The Government

One of the main goals of every individual or household is to achieve financial well-being. Previous research has shown that various factors influence financial well-being. This research aims to develop an integrated family financial welfare model by examining various factors that affect it. This study uses data of 1,158 households taken using an online survey. The data is analyzed using a structural equation model. The results show that financial experience, financial knowledge, financial status, and marital status directly affect financial well-being. Financial behavior significantly mediates the influence of financial behavior, financial knowledge, and locus of control on financial well-being. Furthermore, marital status strengthens the effect of financial knowledge on financial well-being, but it does not strengthen the effect of financial experience on financial well-being. This study suggests that the Government and financial authorities need to improve further the effectiveness of financial literacy and financial inclusion programs and campaign for a more frugal life among households to avoid financial difficulties.

Financial literacy among youth

2018 ◽  
Vol 45 (1) ◽  
pp. 173-186 ◽  
Author(s):  
Neha Garg ◽  
Shveta Singh
Keyword(s):  
Marital Status ◽  
Financial Literacy ◽  
Empirical Studies ◽  
Demographic Factors ◽  
Well Being ◽  
Financial Knowledge ◽  
Content Type ◽  
The World ◽  
Literacy Level ◽  
Financial Behaviour

Purpose The purpose of this paper is to analyse the level of financial literacy among youth in the world based on previous studies. The study, particularly, focus at how socio-economic and demographic factors such as age, gender, marital status and income influence financial literacy level of youth and whether there is any interrelationship between financial knowledge, financial attitude and financial behaviour. Strong endeavour of the world economies to improve the financial well-being of their citizens has contributed to the rising importance of financial literacy as it equips the individuals to take quality financial decisions to enhance their financial well-being. Design/methodology/approach This literature review consists of seven key sections. The first section of this paper reviews the conceptual definitions of youth. Second part summarises the literature on financial literacy. Third, fourth and fifth section summarises the literature on the components of financial literacy, i.e. financial knowledge, financial attitude and financial behaviour, respectively. Sixth section reviews the empirical studies on the influence of socio-economic and demographic factors on financial literacy level. Seventh section summarises the literature on interrelationship between financial knowledge, financial attitude and financial behaviour. Findings The study reveals that the financial literacy level among youth is low across the most part of the world that has become a cause of concern. Also, it has been observed that various socio-economic and demographic factors such as age, gender, income, marital status and educational attainment influence the financial literacy level of youth and there exists an interrelationship between financial knowledge, financial attitude and financial behaviour. Originality/value Youth have to live a longer life ahead, thus, the decisions taken by them are going to affect them for a longer period of time, making it imperative for them to develop an understanding of the world of finance so as to avoid wrong choice of financial products. Thus, financial literacy is of significant relevance. This paper aims to understand the influence of various factors influencing the financial literacy as understanding the factors that contribute to or detract from the acquisition of financial literacy among youth can help in making policy interventions targeted at youth to enhance their financial well-being.

scholarly journals FINANCIAL LITERACY AMONG SME’S IN MALAYSIA

2019 ◽  
Vol 7 (2) ◽  
pp. 376-383
Author(s):  
Omer Bin Thabet ◽  
Atiqah Abd Manaf. Fazlin Ali ◽  
Mazhar Kantakji
Keyword(s):  
Economic Growth ◽  
Marital Status ◽  
Failure Rate ◽  
Financial Literacy ◽  
Small And Medium Enterprises ◽  
Demographic Factors ◽  
Financial Behavior ◽  
Food And Beverage ◽  
Socio Demographic Factors ◽  
Medium Enterprises

Purpose of Study: The objective of this study is to investigate the financial literacy among the SMEs in food and beverage sectors in Malaysia. Methodology: Small and Medium Enterprises (SMEs) play an important role in countries’ economic growth. However, the failure rate among SMEs getting higher. The literature stipulated that the lack of financial literacy is one of the main reasons caused this failure. Results: The results of 122 returned questionnaires shows that the socio-demographic factors such as age and marital status have influenced SME’s financial literacy. Moreover, the financial attitude and financial behavior found to be positively related to the financial literacy among the SMEs.

Determinants of Financial Literacy Among Indian Youth

2021 ◽  
pp. 565-578
Author(s):  
Jehangir Pheroze Bharucha
Keyword(s):  
Multivariate Analysis ◽  
Data Analysis ◽  
Marital Status ◽  
Financial Literacy ◽  
Educational Level ◽  
Descriptive Statistics ◽  
Capital City ◽  
Financial Capital ◽  
Explanatory Variables ◽  
High Level

The purpose of this study is to examine which factors actually determine the level of personal financial literacy among the youth in India's financial capital city. A total of 650 completed and returned questionnaires have been used for the purpose of this study. The data analysis uses descriptive statistics and multivariate analysis. The explanatory variables are gender, district of residence, educational level, father's educational level, employment, marital status, and parenthood. Findings of the study depict that having children is the most positively correlated (+0.327) with financial literacy. Education (+0.245) and employment (+0.140) are positively correlated with financial literacy. It is also concluded that females are less likely to have a high level of financial literacy (-0.271) compared to males.

scholarly journals The Awareness of Sharia Financial Literacy in The Quarter-Life Phase

TRANSFORMATIF ◽  
2021 ◽  
Vol 5 (1) ◽  
pp. 31-50
Author(s):  
Alfina Rahmatia ◽  
Arief Dwi Saputra
Keyword(s):  
Mixed Methods ◽  
Marital Status ◽  
Significant Influence ◽  
Financial Literacy ◽  
Descriptive Analysis ◽  
Primary Data ◽  
Young Generation ◽  
Life Crisis ◽  
Life Phase ◽  
Awareness Level

Nowadays, there are enormous challenges toward this era, especially the young generation between 20 and first 30 years old who will face a quarter-life crisis phase in which one of the causes is literate or not literate to finance. The grand objective of this research is to analyze gender, income per month, and marital status toward the awareness level to sharia financial literacy in the quarter-life crisis phase for IAIN Palangka Raya Alumni on 2010-2015. Primary data applied in this study are compiled from questionnaires and interviews with mixed methods. This research uses multiple regression with SPSS application, while the interview data uses descriptive analysis. The result reveals that gender and income per month have no significant influence on the awareness level of sharia financial literacy, but marital status has a significant influence on the awareness level of sharia financial literacy for IAIN Palangka Raya Alumni on 2010-2015.

The Influence Of Financial Literacy Towards Financial Behavior

2018 ◽  
Vol 1 (2) ◽  
Author(s):  
ANGGINA DWI RESWARI ◽  
SUDARTO SUDARTO ◽  
EKANINGTYAS WIDYASTUTI
Keyword(s):  
Marital Status ◽  
Survey Research ◽  
Financial Literacy ◽  
Research Method ◽  
Personal Finance ◽  
Financial Behavior ◽  
Sampling Techniques ◽  
Factors Affecting ◽  
Literacy Level

The ability to manage personal finance has become increasingly important in today’s world.The study about personal finance is challenging to be investigated, due to the rare ofresearch regarding this topic. This research is aim to know the influence of demographicfactors towards financial literacy and its impact towards financial behavior from the membersof SMEs under the guidance of Bank Indonesia in Banyumas. The research methodologythat used in this study is a case study with survey research method. Convenience samplingtechnique derived from non-probability sampling techniques are used for sample selection.The sample of this research are 83 respondents and used the OLS as the model estimation.The results of this study indicate that education significantly influences the financial literacylevel and the financial behavior level. Then, income also significantly affects financialbehavior, but does not affect a person's financial literacy. Surprisingly, the financial literacydoes not affect the financial behavior of the members and other variables such as gender,age, and marital status also do not affect both financial literacy level and financial behaviorlevel. This result could give evidence about the factors affecting financial literacy andfinancial behavior thus it could give the implications to the Bank Indonesia and the SMEs forincreasing the personal financial ability as a whole.

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