scholarly journals FINANCIAL LITERACY ON POSTGRADUATE STUDENTS TRISAKTI UNIVERSITY

2016 ◽  
Vol 14 (2) ◽  
pp. 97
Author(s):  
Farah Margaretha ◽  
Yosephin Artiani

<p>financial literacy is a basic need for everyone to avoid financial problems. Understanding of financial literacy is the vital things to obtain a prosperous life and quality. This study was performed to obtain the relationship between financial literacy by gende, age, course of study, income level, employment structure, areas of works, workplaces, and location of residence. Object the research was Trisakti University Postgraduate Students who were already working. This research raised problems concerning gender, age, education, income, natures of work, the workplaces, and residence affecting financial literacy in students of Trisakti University post-graduate program who were employee worked in a variety of fields, where in this research financial literacy was the dependent variable and gender, age, income, nature of works, work place and residence were as independet variables. The researchused 311 primary data optained by questionnaire and then analyzed by using ANOVA in SPSS. This research proposed recommendations so that the University can provide education concerning personal finance to the students so that they from an early age have knowledge concerning personal finance. Financial companies may provide financial literacy to people which were corporate social responsibility.</p>

Author(s):  
Edson Mwebesa ◽  
Sumil Novembrieta ◽  
Danson Musinguzi

This study contended that learning statistics and its rudiments were perceived as complicated compared to some other courses offered at the university level. Further, this investigation contested the existence of statistics anxiety among postgraduate students in an in-site university setting. Relationships and differences were determined in this study utilizing the constructs of antecedents of statistics anxiety namely academic procrastination, perfectionism, and gender. The objectives were (1) to establish the relationship between academic procrastination and statistics anxiety; (2) to find out the relationship between perfectionism and statistics anxiety; and (3) to investigate the differences between gender and statistics anxiety. The data from randomly selected 136 postgrad students (Kampala International University, Uganda) referring to dispositional (procrastination and perfectionism) and environmental antecedents (gender) and statistics anxiety were scientifically elicited, processed and analyzed utilizing the quantitative- post positivist&rsquo;s research paradigm model. The findings revealed a positive but insignificant relationship between academic procrastination and statistics anxiety; a significant adverse correlation between perfectionism and statistics anxiety; an insignificant positive correlation existed between gender and statistics anxiety, and differences in statistics anxiety between the female and male students existed. Notably from the results then, academic procrastination did not significantly affect the students&rsquo; statistics anxiety; the students with higher levels of perfectionism tended to have lower levels of statistics anxiety while the levels of statistics anxiety among the female students were slightly greater than that of the male students.


2020 ◽  
Vol 9 (3) ◽  
pp. 26-41
Author(s):  
Colin Agabalinda ◽  
Alain Vilard Ndi Isoh

The study investigated the direct effects of financial literacy (knowledge, skills, and attitudes) on financial preparedness for retirement and the moderating effect of age among the small and medium enterprises in Uganda. Primary data was collected from a sample of n = 380 selected from the SME workforce. Descriptive analysis was run on SPSS, while validity and reliability of the measurement items yielded satisfactory composite reliability scores and average variance explained (AVE) scores for all items. Structural equation modelling (SEM) was used to test the hypotheses and multi-group analysis conducted to test for the moderating effect of age on the relationship between financial literacy and retirement preparedness. The results revealed that knowledge and skills were significant predictors of retirement preparedness. However, ‘attitude' was not a significant predictor, and age had no moderating effect on the relationship between the study variables. These findings present practical implications for policymakers and financial educators in a developing country context.


2019 ◽  
Vol 3 (2) ◽  
Author(s):  
Y. I. Torres-Burgos ◽  
H. Sánchez-Rodríguez ◽  
M. Pagán-Morales ◽  
A. Casas-Guernica ◽  
C. Calkins ◽  
...  

ObjectivesResearch conducted at the University of Puerto Rico noted that beef with elevated pH values (> 5.86) resulted in more tender meat (P ≤ 0.05). It has been established that proteolytic degradation mechanisms can be influenced by pH and calcium concentration in muscle. Beef with pH values ≥ 5.86 is classified as Dark Firm and Dry (DFD) but there are negative implications associated with greater pH values. However, observations indicating increased tenderness with increased pH raise the question: can variations in pH be associated with differences in sarcomere length (SL) and free calcium concentration (FCC)? Therefore, the objectives of this project were to: (1) document pH distribution; (2) determine the incidence of DFD; and (3) evaluate the relationship between pH, SL, and FCC in commercial cattle harvested in Puerto Rico.Materials and MethodsLongissimus lumborum samples (n = 51) were obtained and background information was noted including number of permanent incisors (PI), type (Dairy or Beef), and gender. The pH values were used to categorize beef into the following groups: Low (≤ 5.40), Normal (5.41 to 5.59), High (5.60 to 5.85) and DFD (≥ 5.86). Meat was flash frozen, powdered, and placed on a microscope slide and a Helium-Neon laser was used to determine SL. A subset of samples was sent off and prepared at the University of Nebraska-Lincoln for FCC quantification (Ward Laboratories; Kearney, NE) with an inductively coupled plasma emission spectrometer (iCAP 6500 Radial; Thermo Electron, Cambridge, UK). All statistical analyses were conducted in SAS (9.4). The Proc FREQ was used to determine pH category distributions and incidence of DFD. The Proc GLIMMIX and Tukey adjustment (α = 0.05) were used to determine the effects of number of PI, type, and gender on pH category, SL and FCC. The Proc CORR was used to evaluate the relationship between pH category, SL and FCC.ResultsThe pH category distribution for the current samples was as follows: 3.92% Low, 41.18% Normal, 35.29% High and 19.61% DFD. The SL ranged from 1.69 to 1.46 mm with an average of 1.53 mm. The FCC ranged from 132.19 to 31.39 mM with an average of 64.23 mM. Longer sarcomeres were detected in cattle with eight and zero PI (1.57 and 1.56 mm, respectively); cattle with two and four PI had intermediate SL (1.53 and 1.52 mm, respectively), and cattle with six PI had the shortest sarcomeres (1.51 mm; P = 0.03). Dairy cattle had longer sarcomeres relative to beef cattle (1.56 vs. 1.52 mm; P = 0.02). Dairy cattle tended to have increased FCC relative to beef cattle (70.72 vs. 58.38 mM; P = 0.08). Also, FCC tended to be greater within the Normal and Low pH categories relative to the High and DFD categories (72.36 vs. 57.31 mM; P = 0.06). The SL and FCC had no relationship (P > 0.05) within the Low, Normal and High pH categories. However, DFD beef had longer SL (0.78; P = 0.01), while having decreased FCC (–0.66; P = 0.04).ConclusionOver half (54.90%) of the beef samples analyzed fell into the High and DFD pH categories, with nearly 20% being classified as DFD. Although, a clear relationship was not established between SL and FCC within the Low, Normal or High pH categories, the results indicate that the increased pH in samples surpassing the DFD threshold correspond to longer sarcomeres and decreased free calcium.


Financial services actively contribute to the humane & economic development of the nation. Financial services lead to social and economic safety hence, each & every individual should be provided with affordable institutional financial products/services popularly called ―Financial Inclusion‖. Despite witnessing substantial progress in financial sector reforms in India, it is overwhelming to note that nearly half of the rural households even today do not have any access to any source of funds (savings/credit) - institutional or otherwise. Hardly one-fourth of the rural households are assisted by banks. Hence the major task before banks are to bring most of those excluded, i.e. 75 percent of the rural households, under the mainstream of formal financial services. There is a need for the formal financial system to look at increasing financial literacy and financial counseling. As a part of corporate social responsibility now a day’s Indian banks and financial market players should actively look at promoting such programs. Financial products& services are identified as basic banking services like deposits accounts, institutional loans, access to payment, remittance facilities & also life & non-life insurance services. The present paper is an attempt to capture the region-wise usage of banking services. The study collected data of 900 respondents from five regions of Gujarat i.e. South Gujarat, North Gujarat, Central Gujarat, Saurashtra, and Kachchh. The study used a five-point Likert scale agreement method to understand the usage of banking services. Also, the study captured the demographic profile of respondents from. The primary data collected through a structure questionnaire.


2020 ◽  
Vol 11 (3) ◽  
pp. 315-330
Author(s):  
Karla D. Araujo Soares ◽  
Adriana Jeckel ◽  
Gabriel Silva ◽  
Victor Giovannetti ◽  
Kleber Mathubara

Teacher training in higher education has been relatively neglected in Brazilian universities because postgraduate programs are mainly focused on the research that students produce. However, these postgraduate students are expected to become the next university and college professors. Herein, we present the experience of the Zoology Summer Course, a university extension course organized by graduate students from the Zoology Graduate Program at the University of São Paulo, Brazil. This course was created aimed to provide graduate students with an opportunity to develop and practice their teaching skills. To understand the influences, motives, and legacy of the CVZOO on its organizers, we developed a questionnaire and evaluated the responses by focusing on elements of academic formation and prospects for a teaching career, using systematic content analysis procedures as parameters. Our results demonstrate the importance of CVZOO as a space of dialogue and interaction for professional teacher training, as well as an opportunity to exchange experiences and build professional identity. The course has also influenced other academic activities such as the organization of scientific events, mentoring experience, and publications. Lastly, we discuss the importance of teacher training in Brazilian graduate programs and propose initiatives to improve the training of future university teachers. Keywords: Graduation; Extension Course; Students; Biodiversity   Extensão universitária e formação docente no Brasil: o Curso de Verão em Zoologia   Resumo: A formação docente universitária tem sido bastante negligenciada em universidade brasileiras, uma vez que programas de pós-graduação focam majoritariamente na produção acadêmico-científica de seus alunos. No entanto, espera-se que os pós-graduandos sejam a próxima geração de professores universitários. Neste estudo, nós apresentamos a experiência do Curso de Verão em Zoologia da Universidade de São Paulo, Brasil. Este curso foi criado com o objetivo de proporcionar aos estudantes de pós-graduação a oportunidade de desenvolver e praticar suas habilidades para docência. No intuito de entender as influências, motivações e legado do CVZOO em seus organizadores, nós desenvolvemos um questionário e avaliamos as respostas buscando elementos da formação acadêmica e prospecção para a carreira docente, usando procedimentos de análise de conteúdo como parâmetros Os resultados demonstram a importância do CVZOO como um espaço de diálogo e interação com a prática docente bem como uma oportunidade para trocar experiências e construir uma identidade profissional. O curso tem influenciado em outras atividades acadêmicas, tais como organização de eventos científicos, orientação de alunos e publicações. Por fim, este artigo discute a importância da formação docente em programas de pós-graduação no Brasil e propõe algumas iniciativas para melhorar a formação dos futuros professores universitários. Palavras-chave: Pós-Graduação; Curso de Extensão; Estudantes; Biodiversidade


2021 ◽  
pp. 99-118
Author(s):  
Øystein Gullvåg Holter ◽  
Lotta Snickare ◽  
Greta Gober

Who is Publishing What? How Gender Influences Publication This chapter examines scholarly publishing within the Faculty of Mathematics and Natural Sciences at the University of Oslo from a gendered perspective. The question posed is whether women publish less than men, and if so, why. Based on self-reported publishing volumes, the study applies multivariable methods to investigate the relationship between the number of publications and factors such as position, total worktime and gender. The analyses show that gender has little significance when these other factors are entered into the model. The results are discussed in light of other studies on publishing practices.


2021 ◽  
Vol 4 (3) ◽  
pp. 798-812
Author(s):  
Resa Novita ◽  
Isni Andriana ◽  
Kemas M Husni Thamrin

The purpose of this research is to analyze the effect perceptions about financial literacy factors against the investment decisions on life insurance in Palembang. The population in this study is the owner of life insurance in Palembang, the sampling in this study is using the Purposive Sampling method with 50 respondents as samples. The type of research used is quantitative research with primary data sources obtained from distributing questionnaires to respondents. The data analysis technique in this research are descriptive and inferential statistical analysis using Structural Equation Modeling (SEM) with smartPLS (Partial Least Square) 3.0 software. The results showed that the perception of age and gender has no significant effect against the investment decisions on life insurance in Palembang, meanwhile the perception of education level and income have a significant effect against the investment decisions on life insurance in Palembang. Keywords: Age, Gender, Level of Education, Income, Investment Decisions


2022 ◽  
pp. 2138-2154
Author(s):  
A. G. N. K. Fernando ◽  
Jayaranjani Sutha

Employee retention is emerging as a critical issues impact on the competitive advantage. Internal corporate social responsibility (CSR) has been creating so much attention in the minds of employees during the recent years. Thus, the chapter is based on three objectives: First, it explores the relationship between internal CSR and employee retention. Second, it identifies how intrinsic motivation mediates the relationship between internal CSR and employee retention. Finally, it determines the internal CSR activities which the apparel industry should pay more attention to in order to better employee retention. Primary data were collected by using questionnaires, and the results of the study indicated that there is a positive relationship between internal CSR and employee retention. Moreover, intrinsic motivation partially mediates the relationship between the internal CSR and employee retention. The findings of the study identify the internal CSR activities which the apparel industry should pay more attention to in order to develop retention programs in the future.


2020 ◽  
Vol 8 (4) ◽  
pp. 76
Author(s):  
Muhannad Atmeh ◽  
Mohammad Shaban ◽  
Malek Alsharairi

The relationship between companies and society has been questioned for a long time. However, the effect of the motives behind CSR regarding the companies’ actual engagement with CSR has received little attention, especially in emerging markets. This paper tackles this issue for the first time using a sample of Jordanian companies. We explore the effect of two types of motives on the level of engagement in CSR: extrinsic motive (financial) and intrinsic motives (ethical and altruistic). The relationship between the company’s actual financial performance and CSR is also investigated. Primary data were collected using a questionnaire, distributed to Jordanian company’s managers in five sectors: pharmaceutical, technology and telecommunication, construction, farming, and financial services. Multiple regression analysis was conducted to depict the relationships. Results show that the intrinsic motives have a significant effect on CSR, while the extrinsic motive has none. When intrinsic motives were tested separately, results showed that the ethical motive had a significant effect, while the altruistic had no effect. In both cases, CSR was shown to be more significantly driven by the company’s financial performance. Different stakeholders such as policymakers, entrepreneurs, researchers, and investors may use the results of this study to increase companies’ involvement in CSR.


1997 ◽  
Vol 24 (3) ◽  
pp. 533-556 ◽  
Author(s):  
Helen Ross ◽  
Jürgen Rehm ◽  
Gordon Walsh

This study examined the relationship between patterns of alcohol consumption, including problem drinking, and psychiatric disorders in the general population. The paper utilizes data on 8,116 adults age 15–64 living in households who were interviewed for the Ontario Health Survey and the Mental Health Supplement. The University of Michigan Composite International Diagnostic Interview (UM-CIDI) was administered by trained lay interviewers to generate lifetime DSM-III-R diagnoses. Unlike previous studies, the results of this study provided no evidence of a U-shaped or J-shaped curve or relationship between alcohol use and mental health. Lifetime abstainers had the lowest risks for all mental disorders examined, while former at-risk drinkers (those who had not had a drink in the previous year but at one time regularly drank more than 12 drinks a week) had the highest risks, even after adjustment for age and gender.


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