scholarly journals Investment Pattern, Preferences and Financial Mangement Practices of Wesleyan University-Philippines Employees

2021 ◽  
Vol 8 (11) ◽  
pp. 265-277
Author(s):  
Manuel P. Castillo ◽  
Ali G. Mamaclay ◽  
Kevin M. Rivera
Keyword(s):  
Financial Management ◽  
Employment Status ◽  
Management Practices ◽  
Survey Questionnaire ◽  
Monthly Income ◽  
Saving Account ◽  
Investment Pattern ◽  
Significant Difference ◽  
Age Range ◽  
Service Employment

This study determined the investment pattern, preferences, and practices of Wesleyan University-Philippines employees with the used of descriptive correlational methods of research, and the data were collected using a researcher-made survey questionnaire. Respondents of the study were the 305 employees chosen purposively. The result shows that most of the respondents belonged within the age range of 19 – 28 years old, married, a college graduate with 1 – 6 years in service, permanent, had a monthly income of 10000-21000 and had other sources of income from their husband/wife income. Likewise, most of the respondents had a saving for an emergency and unforeseen circumstances, had an investment and invested 1 – 5 percent of their income. Most of them had a saving account, intended to invest the money to more than five years in which the principal amount is secured, invested in the private sector, and expected to grow steadily. Similarly, this study found out that the respondents sometimes practice the five indicators of financial management practices used in the study. Moreover, profile variables were significantly correlated with financial management practices. Age, number of years in service, employment status, monthly income, and other sources of income were significantly associated with money management practices. Similarly, a number of years in service were correlated considerably with savings management practices. Finally, age, employment status, and other sources of income were significantly associated with investment management practices. Further, there is a significant difference in the respondents' assessment in all indicator of financial management practices.

scholarly journals Financial Attitude and Management of Public School Teachers in Tanjay City

2020 ◽  
Vol 3 (2) ◽  
pp. 11-12
Author(s):  
Benjamin S. Villagonzalo, Jr. ◽  
Rizalie N.E. Mibato
Keyword(s):  
Elementary School Teachers ◽  
Financial Literacy ◽  
Financial Management ◽  
Role Models ◽  
Public School Teachers ◽  
Monthly Income ◽  
School Teachers ◽  
School Year ◽  
Significant Difference ◽  
Civil Status

Teachers are influential individuals in the society.  They can positively influence various aspects of people's lives.  If financially learned, they can become role models for students and help develop a financially responsible family.  Thus, teachers are key contributors to the development of society.  This study aimed to assess the degree of financial attitude and the level of financial management of public elementary school teachers in Tanjay City, Negros Oriental during the School Year 2019-2020 as a whole and when grouped according to age, sex, civil status, educational attainment, family monthly income, and location of residence. It also sought to establish if there is a significant difference in the degree of their financial attitude and their level of financial management when they are grouped according to the variables.  It also determined if a significant relationship exists between financial attitude and financial management.  Findings were used for a financial literacy program that seeks to improve the financial attitude and financial management of the said teachers. 

scholarly journals Risk Management in Rural and Community Banks: The Ghanaian Experience

2015 ◽  
Vol 2 (1) ◽  
pp. 17
Author(s):  
Justice Ray Achoanya Ayam ◽  
Gabriel S. Ahinful
Keyword(s):  
Risk Management ◽  
Financial Management ◽  
Management Practices ◽  
Empirical Studies ◽  
Liquidity Risk ◽  
Secondary Data ◽  
Primary Data ◽  
Survey Questionnaire ◽  
Community Banks ◽  
Using Data

 Despite the significance of effective risk management practices in deepening prudent financial management in Ghana's Rural and Community Banks (RCBs) there appear to be a paucity of empirical studies highlighting the various kinds of risks faced by RCBs. Such studies will enhance RCBs understanding of the extent to which Ghana's RCBs operations are affected by ineffective risk management practices. The purpose of this paper therefore is to examine the extent to which Ghanaian Rural and Community Banks deploy risk management practices in addressing the types of risk affecting their operations using data through a survey involving respondents from Rural and Community Banks and Bank of Ghana/ARB Apex bank. The study uses primary data collected through survey questionnaire from respondents sampled from the RCBs and the Bank of Ghana/ARB/Apex Bank. The research also uses secondary data collected from the ARB/Apex Bank quarterly reports on Rural and Community Banks operations in Ghana. Our empirical findings indicate that credit risk, liquidity risk, operational risk and legal /regulatory risk are the major forms of risk affecting rural and community banks in Ghana. The paper recommends the enforcement of risk management regulations by the ARB Apex Bank and the Bank of Ghana. On the other hand, Rural and community banks should create risk management department and recruit qualified and experience personnel to ensure effective and efficient risk management practices. The research focused on Rural and Community Banks in Ghana and as such the results may not necessarily represent RCBs in other countries.

Assessment of Financial Management Practices of Small and Medium Enterprises (SMEs) in Nasugbu, Batangas

2021 ◽  
Vol 1 (2) ◽  
pp. 24
Author(s):  
Marvin C. Hernandez ◽  
Corinna S. Balboa ◽  
Rommel C. Cuenca ◽  
Nik Ki Dale G. Quilantang
Keyword(s):  
Financial Management ◽  
Business Performance ◽  
Management Practices ◽  
Small And Medium Enterprises ◽  
Working Capital Management ◽  
Significant Difference ◽  
Main Instrument ◽  
Medium Enterprises ◽  
Descriptive Method ◽  
Gathering Data

The Small and Medium Enterprises have been identified as important contributors to economic development who are facing a range of challenges which work against their progress, one of which is financial management. This study aimed to assess the financial management practices of small and medium enterprises in Nasugbu, Batangas. The researchers used the descriptive method with a questionnaire as the main instrument in gathering data from 34 respondents. Frequency, percentage, and mean were used as statistical tools in the study, and analysis of variance was used to determine the significant differences between variables. The data gathered were tallied, analyzed and interpreted. The results of the study revealed that majority of the respondents implement financial management practices. Financial management practices such as financial planning, investment, and working capital management are highly applied by small and medium enterprises in Nasugbu, Batangas. It was also revealed that there is a significant difference in the application of financial management practices of small and medium enterprises when they are grouped according to business profile. The outcome of this study may be useful for the entrepreneurs to focus on financial management practices in order to enhance their business performance. 

scholarly journals COVID-19 Pandemic and Anxiety Related Factors in Patients Treated in the Emergency Department

2020 ◽  
Keyword(s):  
Emergency Department ◽  
Employment Status ◽  
Demographic Variables ◽  
Test Results ◽  
Monthly Income ◽  
Online Questionnaire ◽  
Related Factors ◽  
First Case ◽  
Significant Difference ◽  
Novel Coronavirus

Aims: A novel coronavirus, now known as SARS-CoV-2019, suddenly emerged in Wuhan, China and within threemonths of the initial outbreak, the virus had spread rapidly to neighboring countries causing a pandemic. After the first case was announced, emergency departments were immediately reorganized as pandemic clinics. Special areas with maximum precautions were designed to evaluate patients. The majority of studies on this pandemic have focused on the treatment of respiratory symptoms and comorbidities in intensive care units. In this study, we sought to determine those factors that contributed to the anxiety level during the COVID-19 pandemic using the ‘State’ subscale of State-Trait Anxiety Inventory (STAI-S). Methods: A survey was performed in the emergency department by using an online questionnaire which consisted of demographic variables, questions about the opinions and behaviors of patients during the pandemic, diagnostic test results for COVID-19, and treatment methods. Results: There was a statistically significant difference between employment status (p ˂ 0.001), monthly income (p ˂ 0.001), the food consumption changes during the pandemic period (p = 0.001) and the estimated end-date for the COVID-19 pandemic (p < 0.001) and total STAI-S points. Conclusions: Our study has identified factors which significantly increase anxiety during the COVID-19 pandemic and identified those individuals who may benefit from psychiatric and social support.

Financial Management of Tires Retail and Restaurant Business in Greater Jakarta

2019 ◽  
Vol 2 (4) ◽  
pp. 267-275
Author(s):  
Sung Suk Kim ◽  
Jacob Donald Tan ◽  
Rita Juliana ◽  
John Tampil Purba
Keyword(s):  
Financial Management ◽  
Management Practices ◽  
Working Capital ◽  
Structured Interviews ◽  
Short Term ◽  
Direct Observations ◽  
Medium Enterprises ◽  
Cash Reserves ◽  
Retained Earnings ◽  
Computerized System

This study aims to explore the financial management practices ofsmall-and-medium-enterprises (SMEs) in the Greater Jakarta (Jabodetabek). We investigate into 3 SME cases by conducting the semi-structured interviews with the owner-managers and using direct observations to know the practices of financial management of SMEs. Through the research, we have found six propositions related to the practice of short-term financial management. They apply bootstraps to ensure availability of working capital. They set aside cash reserves from retained earnings and minimize loans from financial institutions. They have the computerized system to track receivables facilitating working capital needs. They keep theirinventory control efficient to manage working capital. They screen customers using transactional records and reputations to minimize the risk of bad debts.

Determination of Spreading Motive Levels of Elite Hearing-impaired Sportsmen

2019 ◽  
pp. 39-55
Author(s):  
Osman Kusan ◽  
Hasan Erdem Mumcu ◽  
Abdulkerim Çeviker ◽  
Ömer Zambak ◽  
Onur Öztürk
Keyword(s):  
Educational Status ◽  
Hearing Impaired ◽  
Validity And Reliability ◽  
Male Athletes ◽  
Internal Motivation ◽  
National Team ◽  
Older Athletes ◽  
Significant Difference ◽  
Level Of Significance ◽  
Age Range

This study was conducted to investigate the sub-scales of sports instructions of elite athletes with hearing impairment or hearing loss due to different reasons. A total of 173 hearing-impaired athletes constituted of 54 female and 119 male athletes who are active national team athletes in the age range of 15-25 years. The study was conducted based on Self Determination Theory of Deci and Ryan [9] and on the developed Sports Motivation Scale, Pelletier et al. [24] Kazak [18] applied the validity and reliability of the scale for Turkish athletes. Accordingly, since the p_values calculated for the inner motivation sub-scale and its sub-scales are less than the value of α = .05 which is taken as the level of significance, there is a statistically significant difference in the average scores of the hearing-impaired athletes in their internal motivations and sub-scales. According to gender and educational status, there was no difference in the motivation of the hearing-impaired athletes. According to the age variable, it was seen that older athletes had more external connections. Considering the general motivation scores, the athletes in tennis and swimming were less motivated than others. Elite hearing-impaired athletes are affected by both internal and external impulses. However, internal motivation scores are higher than the external. Internal motivation scores are seen as the lowest in the branch swimming area.

Effect of Integrated Nutrient Management Practices on Growth and Development of Hybrid Maize Cultivar HQPM 1 in Mid-Hills of Meghalaya

2017 ◽  
Vol 4 (03) ◽  
Author(s):  
SAMBORLANG K. WANNIANG ◽  
A. K. SINGH
Keyword(s):  
Dry Matter ◽  
Management Practices ◽  
Nutrient Management ◽  
Dry Matter Accumulation ◽  
Integrated Nutrient Management ◽  
Graduate Studies ◽  
Green Manuring ◽  
Maize Cultivar ◽  
Significant Difference ◽  
Hybrid Maize

A field experiment was conducted during kharif 2011 on experimental farm of the College of Post Graduate Studies (CAU–Imphal), Umiam (Meghalaya) to evaluate the effect of integration of green manuring, FYM and fertilizers as integrated nutrient management (INM) practices on growth and developmental behaviour of quality protein maize cultivar QPM 1. The data revealed that comparatively higher amount of primary nutrients were added in green manured maize plots in comparison to non green manured treatments. Green manuring also left a positive response on plant height, CGR, RGR leaf area, and dry matter accumulation in plants though the difference between green manured and non-green manured treatments was at par. Treatments 75 % RDF + 5 t FYM ha-1, 50 % RDF + 7.5 t FYM ha-1, 100 % RDF ha-1 and 75 % RDF + 2.5 t FYM ha-1 recorded significantly higher values of all the above said growth parameters over 50 % RDF + 5 t FYM ha-1 and control treatments. At all stages of observations, the maximum dry matter was associated with RDF (recommended doses of fertilizers) which was at par with 75 % RDF + 5 t FYM ha-1, but significantly higher over the plant dry weight recorded from all remaining treatments. A Significant difference in CGR at 30 – 60 and 60 – 90 DAS stage and in RGR at 90 DAS - harvest stage was observed due to various combinations of recommended dose of fertilizer with different doses of FYM. Number of days taken to attain the stages of 50% tasselling, silking and maturity did not differ significantly due to green manuring. However, treatment 75 % RDF + 5 t FYM ha-1 took significantly lesser number of days for these stages than other treatment combinations. The superiority of the treatment 75 % RDF + 5 t FYM ha-1 indicated a possibility of substituting 25% of RDF with 5 t FYM ha-1 without any loss in dry matter accumulation in plants of the quality protein hybrid maize in mid-hill ecosystems of Meghalaya.

scholarly journals Gendered Association Between Employment Status and Unmet Health Care Needs Among Middle-Aged Koreans

2020 ◽  
Vol 4 (Supplement_1) ◽  
pp. 226-226
Author(s):  
Si Young Song ◽  
Hey Jung Jun ◽  
Susanna Joo ◽  
Sun Ah Lee
Keyword(s):  
Health Care ◽  
Employment Status ◽  
Working Women ◽  
Social Contexts ◽  
Moderating Effect ◽  
Health Care Needs ◽  
Middle Aged ◽  
Care Needs ◽  
Significant Difference ◽  
Unmet Health Care Needs

Abstract Previous studies show that working people are less likely to experience unmet health care needs than non-workers. Also, employment and health are located in gendered social contexts. The present study aims to examine the moderating effect of gender on the association between employment status and unmet health care needs among middle-aged Koreans. We conducted logistic regression using the Korean Health Panel data (in 2016 and 2017; N=2,573, age range=45-64). Having experiences unmet health care needs in 2017 was the binary dependent variable. Employment status in 2016 was the binary independent variable and gender was the moderating variable. Age, education level, marital status, annual income, household type, type of medical security, disability, self-rated health, the number of chronic diseases, and stress level in 2016 were also in the analytic model based on the Andersen’s health behavioral model. The percentages of middle-aged people experiencing unmet health care needs were 18% for working men, 11% for non-working men, 13% for working women, and 16% for non-working women. The result showed there was significant moderating effect of gender (B= .72, p&lt; .05). Specifically, working men were less likely to experience unmet health care needs than non-working men. On the contrary, there was not the significant difference in experiencing unmet health care needs between working and non-working women. It indicates that it is necessary to supplement medical services for especially for middle-aged men who are not employed because they might experience considerable amounts of unmet health care needs.

Stability and mutual impact of perception of parental pressure and infants' social support – A study based on the difference between employment status and household income

2021 ◽  
pp. 002072092199705
Author(s):  
Yong Wang
Keyword(s):  
Household Income ◽  
Employment Status ◽  
Working Mothers ◽  
Social Research ◽  
Research Report ◽  
Parental Pressure ◽  
Income Levels ◽  
Significant Difference ◽  
The Difference ◽  
The Stability

The purpose of this study is to explore the stability and interaction between parental pressure and social research report, as well as the role of employment status and family income levels in this process. This study used a special study on Korean children (PSKC) 2–4 waves. Use t-test, correlation and autoregressive cross-delay modeling to analyze the data. The main findings of this study are: First, over time, parental pressure and mother’s social research report are consistent. Secondly, the pressure of motherhood and childcare has an obvious lagging effect on upbringing, and vice versa. Third, there is no significant difference between working mothers and non-working mothers in terms of the stability of working parents' pressure, social research report and social research report for children's pressure channels. However, parental pressure can only predict the social research report of working mothers. Fourth, there is no significant difference between the stability and interaction of these two structures in household income levels. In short, the results show that, over time, parental pressure is consistent with mother’s social research report. The results also show that there is a significant cross-lag effect between the mothers’ perceptions of mutual pressure analysis. In the process from parental pressure to social research report, I found the difference between working and non-working mothers. The advantage of this study is that the expected longitudinal design was adopted during infancy and the priority between the two structures can be considered. The results of this study can be used as a source of intervention plans to help parents withstand severe parenting pressure and lack of social research report.

Sign in / Sign up

Export Citation Format

Share Document