scholarly journals Financial Literacy and Self‐Employment

2018 ◽  
Vol 53 (2) ◽  
pp. 455-487 ◽  
Author(s):  
Aida Ćumurović ◽  
Walter Hyll
Keyword(s):  
Financial Literacy ◽  
Self Employment

scholarly journals Involvement in the organized market of such forms of self employment in rural areas as personal subsidiary farms of citizens

2021 ◽  
Vol 0 (13) ◽  
pp. 31-37
Author(s):  
Ekaterina Kot ◽  
Tat'yana Zyryanova ◽  
Sergey Zyryanov
Keyword(s):  
Rural Areas ◽  
Financial Literacy ◽  
Theoretical Research ◽  
Practical Significance ◽  
Federal Law ◽  
Strategic Development ◽  
Axiomatic Analysis ◽  
Self Employment ◽  
Deductive Method ◽  
The Law

Abstract. Within the framework of a set of measures for the implementation of the national project on small and medium-sized enterprises and support for individual entrepreneurial initiative in accordance with the Decree of the President of the Russian Federation on national goals and strategic development tasks, the importance of involving citizens in independent production activities is reflected. In this regard, Federal Law No. 422-FL of 27 November 2018 (hereinafter referred to as the Law) initiated a tax experiment to establish a new special tax regime “Tax on Professional Income” (hereinafter referred to as the TPI). The purpose of the study is to determine the economic impact of the new tool on the involvement in economic turnover of such a form of self-employment in rural areas as personal subsidiary farms of citizens. Tasks: 1) using the deductive method of theoretical research to analyze the effect of the experiment on the application of the new special tax regime on the territory of Russia; 2) to consider in practical situations the options for applying the TPI for self-employed citizens; 3) systematize data on the calculation of naps in the form of a model that has theoretical and practical significance for the involvement of private subsidiary farms (hereinafter referred to as PSF) in an organized market. Research methods: deduction, axiomatic, analysis, synthesis, comparison, experiment, measurement. The scientific novelty and results is that according to the Law, a new target group is allocated – self-employed citizens who indicate services in different fields of activity. In agriculture, it is also necessary to direct the activities of PSF that sell their own products to an organized market. Results. In order to help improve financial literacy with the support of self-employed entrepreneurs, a comparative analysis of deductions for the calculation of professional income tax was conducted. Algorithms for calculating naps have been developed, which are the basis for considering practical situations. A model has been compiled that systematizes the procedure for applying the TPI for self-employed citizens.

scholarly journals Pengaruh Literasi Keuangan dalam Model Prediksi Pilihan Karir Mahasiswa Perguruan Tinggi di Kota Pontianak

Eksos ◽  
2020 ◽  
Vol 16 (2) ◽  
pp. 118-132
Author(s):  
Arianto Arianto ◽  
Zulfikar Zulfikar ◽  
Tashadi Tarmizi
Keyword(s):  
Financial Literacy ◽  
Career Choices ◽  
Statistical Significance ◽  
Career Decisions ◽  
Logit Analysis ◽  
Education Students ◽  
Independent Variables ◽  
Self Employment ◽  
Financial Decision ◽  
Financial Transactions

This research begins with the assumption that financial decision making is based on an understanding of financial literacy. And indicators of independent career decisions (self-employment) are used to explain and prove the truth of these assumptions. This study models the predictions of student career choices by relating it to the financial literacy amongs higher education students in Pontianak . The descriptive quantitative method was chosen as the Research method. The results of the response are processed mathematically in predictive modeling (probit-logit model) of student career choices from their relationship with financial literacy and other additional variables. The probit-logit analysis of this model was carried out with the help of statistical software, namely SPSS. The output of the research model found that knowledge of cash flow (finlit1), entrepreneurial competency variables (entshp) and risk taking confidence variables (confid) had statistical significance (<0.05) as a variable that influenced the decision for self-employment. While the independent variables are demographic variables, none of them have statistical significance to be said to influence career decisions to become self-employed. Similarly had also been found in others  independent variables, which were "knowledge of asset types" (finlit2), "knowledge of insurance" (finlit3), "knowledge of investment types" (finlit4), and "knowledge of financial transactions" (finlit5).

scholarly journals Financial literacy and self employment – The moderating effect of gender and race

2022 ◽  
Vol 139 ◽  
pp. 639-653
Author(s):  
Elisabeth M. Struckell ◽  
Pankaj C. Patel ◽  
Divesh Ojha ◽  
Pejvak Oghazi
Keyword(s):  
Financial Literacy ◽  
Moderating Effect ◽  
Gender And Race ◽  
Self Employment

scholarly journals THE TRANSFORMATION FROM STUDENT COMPANY TO START UP COMPANY

2019 ◽  
Vol 34 (5) ◽  
pp. 1283-1287
Author(s):  
Ranko Davidović
Keyword(s):  
Financial Literacy ◽  
Personal Development ◽  
English Language ◽  
Successful Operation ◽  
Self Employment ◽  
Entrepreneurial Spirit ◽  
Start Up ◽  
Civil Sector ◽  
Short Time ◽  
Start Ups

A student company is an educational program that allows students to be involved in the development and running of their own companies, with real products and services, and to manage their earned money during their high school education.In order to ensure the successful operation of their companies, students are encouraged to interact with the business sector, potential customers, institutions and the civil sector while promoting their work and community in a broader context than school. Through the Student Company program, in addition to gaining knowledge of the mechanisms by which business operates, students learn about the market economy and the benefits it brings.Although the basic idea of this program is to encourage entrepreneurial spirit and financial literacy, and the most important desired result of the program is to open the possibilities of self-employment and employability of young people, this program also contributes to the personal development of students.The word start-up is from the English language, becoming popular after the founding of a large number of dot-com companies in the West. The word itself means to initiate or start. Start-ups are mostly start-ups, that is, beginners in the business.Start up is a technology business that is innovative and can grow very quickly and a lot and into which, if they think it can succeed, everyone wants to invest money. You need to have the effect of making someone fascinated by your story. It depends on your performance. Why you, why you are better than others, what you want ... You have to be clear, short, fast, etc.Start up implies innovative technological entrepreneurship, and as a necessary feature includes "scalability", in translation: it has the potential to grow a lot in a short time. The aim of this paper is to explain in the short and simplest sentences the meanings and role of the Student Companies, as well as the Stat up companies, their similarities and differences.

Role of Commercial Banks in Financial Literacy

PRODUCTIVITY ◽  
2018 ◽  
Vol 59 (2) ◽  
pp. 186-197
Author(s):  
M. SELVAKUMAR ◽  
◽  
P. ANBUCHEZHIENKAMARAJ ◽  
V. Sathyalakshmi ◽  
R. Mohammed Abubakkar Siddique ◽  
...  
Keyword(s):  
Financial Literacy ◽  
Commercial Banks

Pengaruh Tingkat Literasi Keuangan Syariah dan Kepercayaan Masyarakat terhadap Minat Menabung di Bank Syariah

2020 ◽  
Vol 3 (2) ◽  
pp. 140-153
Author(s):  
Resti Fadhilah Nurrohmah ◽  
Radia Purbayati
Keyword(s):  
Financial Literacy ◽  
Linear Regression Analysis ◽  
Public Trust ◽  
Multiple Linear Regression Analysis ◽  
Primary Data ◽  
Public Confidence ◽  
Islamic Banks ◽  
Variable Level ◽  
Analysis Technique ◽  
The City

The purpose of this study was to study the level of Islamic financial literacy and public confidence in the interest in saving in Islamic banks. The variables in this study are the level of Islamic financial literacy (X1), public trust (X2), and interest in saving (Y).The method of this study is descriptive quantitative approach. The data source of this study are primary data obtained by distributing questionnaires. Respondents taken are residents in the city of Bandung, with samples domiciled in the city of Bandung and at least 17 years old. The data analysis technique uses multiple linear regression analysis. The results showed that the variable level of islamic financial literacy and public trust has positive effect in the interest in saving in Islamic banks. The findings in this study provide a reference to Islamic banks, the level of literacy and public trust regarding interest in saving, therefore Islamic banks must socialize to the public.

Formation of financial literacy in training of informatics teachers on the basis of the 1С:Enterprise system

2020 ◽  
Vol 1 (1) ◽  
pp. 11-18
Author(s):  
M. A. Rodionov ◽  
I. V. Akimova
Keyword(s):  
Financial Literacy ◽  
Basic Knowledge ◽  
State University ◽  
Science And Literature ◽  
Successful Development ◽  
Mathematics History ◽  
School Subjects ◽  
Personal Finances ◽  
The Right

In the submitted study the problem of the formation of financial literacy of students at informatics lessons and relevant training of future informatics teachers is considered. Financial literacy is understood as a set of basic knowledge in the field of finance, banking, insurance, as well as budgeting for personal finances that allow a person to choose the right financial product or service, soberly assess and take risks that may arise during the use of these products, correctly accumulate savings and identify doubtful (fraudulent) investment schemes. The authors conclude that successful development of meaningful lines of the course of financial literacy requires integration of a few school subjects, such as mathematics, history, informatics, social science and literature. The role of modern informatics teacher in the formation of financial literacy of students is great. Therefore, in the training of a future informatics teacher, it should be paid the attention to issues related to the study of elements of financial literacy in informatics lessons. In order to solve the problem, the authors propose to use the special course “Basics of work in 1С:Enterprise”, which is implemented at Penza State University. The article contains a program of the course and the methodological recommendations for its implementation.

Turkish Muslims in a German city: Entrepreneurial and residential self-determination

2015 ◽  
Vol 12 (1) ◽  
pp. 1-12
Author(s):  
Sarah Hackett
Keyword(s):  
Residential Patterns ◽  
Academic Literature ◽  
Self Employment ◽  
German City ◽  
Post War ◽  
Oral History Interviews ◽  
The City ◽  
Insight Into ◽  
Term Objective

Drawing upon a collection of oral history interviews, this paper offers an insight into entrepreneurial and residential patterns and behaviour amongst Turkish Muslims in the German city of Bremen. The academic literature has traditionally argued that Turkish migrants in Germany have been pushed into self-employment, low-quality housing and segregated neighbourhoods as a result of discrimination, and poor employment and housing opportunities. Yet the interviews reveal the extent to which Bremen’s Turkish Muslims’ performances and experiences have overwhelmingly been the consequences of personal choices and ambitions. For many of the city’s Turkish Muslim entrepreneurs, self-employment had been a long-term objective, and they have succeeded in establishing and running their businesses in the manner they choose with regards to location and clientele, for example. Similarly, interviewees stressed the way in which they were able to shape their housing experiences by opting which districts of the city to live in and by purchasing property. On the whole, they perceive their entrepreneurial and residential practices as both consequences and mediums of success, integration and a loyalty to the city of Bremen. The findings are contextualised within the wider debate regarding the long-term legacy of Germany’s post-war guest-worker system and its position as a “country of immigration”.

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