scholarly journals DETERMINATION of FINANCIAL LITERACY LEVEL: A STUDY on HITIT UNIVERSITY FACULTY of ECONOMICS and ADMINISTRATIVE SCIENCES STUDENTS

2021 ◽  
Vol 10 (4) ◽  
pp. 29-41
Author(s):  
Selcuk Kendirli ◽  
◽  
Muhammet Selcuk Kaya ◽  
Aykut Isleyen ◽  
◽  
...  
Keyword(s):  
Financial Markets ◽  
Financial Literacy ◽  
Credit Card ◽  
Internet Banking ◽  
University Faculty ◽  
Price Bubbles ◽  
Significant Relationships ◽  
Literacy Level ◽  
The Difference ◽  
And Gender

Financial literacy is the level of financial knowledge, attitude and behavior that enables individuals to manage their income, expenses and assets in a way that does not cause financial problems both today and in the future. As individuals' financial literacy levels increase, unnecessary consumption and waste of resources will decrease and the efficiency of investments will increase. Increasing the level of financial literacy will ensure a more balanced formation of asset prices in financial markets and prevent the formation of price bubbles in the markets. Today, financial markets around the world are almost integrated, financial transactions have become possible quickly through portable electronic devices. In this environment, the difference in welfare between individuals and societies with financial literacy and individuals and societies without financial literacy has increased more than in any other period in history. This study, it is aimed to measure the financial literacy level of the students of Hitit University Faculty of Economics and Administrative Sciences located in the province of Çorum. The data of the study were obtained from a questionnaire with the participation of 400 students studying in 5 different departments. By using the percentages of the correct answers given to the questions, success scores were created based on departments. With the help of the T-test and ANOVA tests, the relationship between students' financial literacy and whether they use department, gender, class, and credit card was determined. As a result of the study, it was determined that there are significant relationships between the departments and classes in which students study and their financial literacy, and no significant relationships were found between their credit card and internet banking usage and gender and financial literacy.

On the Use of Intelligent Systems for the Modelling of Financial Literacy Parameters

2009 ◽  
Vol 2 (4) ◽  
pp. 17-35
Author(s):  
H. Tawfik ◽  
R. Huang ◽  
M. Samy ◽  
A.K. Nagar
Keyword(s):  
Financial Literacy ◽  
Educational Level ◽  
Credit Card ◽  
Intelligent Systems ◽  
Input Parameter ◽  
Support Vector ◽  
Financial Decisions ◽  
Relative Contribution ◽  
Main Determinants ◽  
And Gender

Research has shown that more young people lack good financial literacy and make poor financial decisions. Financial literacy is not only important for individuals, but also for families, financial institutions, and the entire economy. In this paper, artificial neural networks (ANNs) and support vector machines (SVMs) are used as tools to model the financial literacy levels of young university students across Australia and three Western European countries. The goal was to ascertain the students’ level of financial knowledge in relation to the use of credit card and loan facilities based on a number of input parameters such as age, gender and educational level. Sensitivity analysis is applied to determine the relative contribution of each input parameter to the overall financial literacy model. The experiments show that ANNs and SVMs exhibit promising results and capabilities for effectively modeling financial literacy. Our findings indicate that the main determinants of young people’s level of financial literacy include educational level, length of employment, age, and credit card status – in terms of the use of credit card facilities, and gender, living status and credit card status – in terms of the use of loan facilities.

scholarly journals PERBEDAAN TINGKAT LITERASI KEUANGAN PARA WIRAUSAHAWAN DAN KARYAWAN ALUMNI UNIVERSITAS KRISTEN MARANATHA

2020 ◽  
Vol 12 (2) ◽  
pp. 16-26
Author(s):  
Surya Setyawan ◽  
Kartika Imasari Tjiptodjojo
Keyword(s):  
Financial Literacy ◽  
Analytical Methods ◽  
Financial Knowledge ◽  
Unexpected Result ◽  
Online Questionnaire ◽  
Christian University ◽  
Significant Difference ◽  
Literacy Level ◽  
The Difference ◽  
A Company

This research discusses about level of financial literacy of Maranatha Christian University alumni who active running his/her own business as an entrepreneur or active as a staff in a company. It also discuss about the difference level of financial literacy between entrepreneur and staff. There are 47 valid respondents as alumni who are asked about financial knowledge via online questionnaire. The measurement for financial literacy level is using descriptive analytical methods; moreover, the comparison between alumni who is an entrepreneur and working as a staff is using difference tests. The unexpected result shows that entrepreneur’s financial literacy level is lower than staff, but there is no significant difference between two groups.

scholarly journals DETERMINANTS OF THE LEVEL OF FINANCIAL LITERACY IN TURKEY

2021 ◽  
Vol 10 (1) ◽  
pp. 9-30
Author(s):  
Hatice Düzakın ◽  
Süreyya Yılmaz
Keyword(s):  
Financial Literacy ◽  
Household Income ◽  
Logit Model ◽  
Demographic Variables ◽  
Financial Knowledge ◽  
Explanatory Variables ◽  
Status Number ◽  
Literacy Level ◽  
Financial Behaviour ◽  
And Gender

The main objective of this study was to explain individuals’ financial literacy levels through socioeconomic and demographic variables. A random sample of 1000 participants was recruited from Turkey. As an indicator of the financial literacy level, a measure with three constructs was adopted: financial attitude, financial behaviour and financial knowledge. Logit model was estimated from these explanatory variables: gender, age, marital status, number of family members, education, income, number of persons with income, household income and working conditions. In the logit model results, the effect of gender, age and education was statistically significant and positive. The results emphasized that there is a relationship between financial literacy level and gender, age and education. Additionally, the results of this study indicated that the level of financial literacy is 52.9% in Turkey.

scholarly journals Financial Learning: Is It The Effective Way to Improve Financial Literacy among Accounting Students?

2018 ◽  
Vol 42 ◽  
pp. 00056
Author(s):  
Nyoman Trisna Herawati
Keyword(s):  
Financial Literacy ◽  
Sampling Method ◽  
Learning Experience ◽  
Accounting Students ◽  
Randomized Sampling ◽  
Literacy Level ◽  
The Difference ◽  
Usable Questionnaire ◽  
Literacy Test

The aims of this study are to determine: the difference of financial literacy level between students who have had experience in financial learning and who have not had experience in financial learning. The data for this study was collected through financial literacy test and questionnaire which was distributed through randomized sampling method. A total of 173 completed and usable questionnaire have been collected. The result shows that the level of financial literacy among accounting students comes under below optimal standard category. Students who have had financial learning experience have a higher level of financial literacy than students who have not. This study provides means to improve financial learning for accounting students in preparation for creating a prosperous future.

scholarly journals Digital Financial Literacy: A Study of Households of Udaipur

2018 ◽  
Vol 5 ◽  
pp. 23-32
Author(s):  
Hanuman Prasad ◽  
Devendra Meghwal ◽  
Vijay Dayama
Keyword(s):  
Financial Literacy ◽  
Credit Card ◽  
Personal Characteristics ◽  
Internet Banking ◽  
Indian Government ◽  
Digital Platforms ◽  
Cash Transaction ◽  
Digital Transactions ◽  
Digital Payments ◽  
The Impact

Financial literacy has been center of discussion world over. Financial literacy can be generally defined as a person’s ability to understand, analyze, manage, and communicate personal finance matters. More specifically, it refers to the set of skills and knowledge that allows an individual to make informed and effective decisions through their understanding of finances. It is the ability to make informed judgments and take effective decision regarding the use and management of money. Now the trend is change financial literacy become old wine people are moving towards digital financial literacy. The interesting side of digital financial literacy is more people are going of digital payments, the value of internet banking, debit card & credit card, mobile banking are going high. Indian Government is also promoting Digital India recently they have launched many schemes like are Pradhan Mantri Jan Dhan Yojna, Jeevan Jyoti Bima Yojna, Suraksha Bima, MUDRA Bank Yojna, BHIM. The Vittiya Saksharta Abhiyan (VISAKA) also been launched by Ministry of Human Resource. The prime objective of the research is to know the digital financial literacy among the households of Udaipur city. The awareness about various digital platforms and their frequency of use is taken as digital financial literacy. The study further aims to diagnose the impact of personal characteristics on digital financial literacy. The sample of the study is taken from Udaipur city of Rajasthan state of India. A sample of 268 households was selected randomly. A well-structured questionnaire was used to survey and generate digital financial literacy data. The results of study will be a useful direction for both digital platform providers and government to promote citizen for digital transactions. The study also suggests that a wave of awareness campaign is required for bringing more people in the umbrella of digital transaction. Further, a cash transaction oriented economy like India needs to have dual edged sword, where in one hand it needs to bring more policies for lesser use of cash and on the other greater use of digital cash.

Factors Affecting Financial Literacy of Vietnamese Adults: A Case Study for Hanoi and Nghe An

2017 ◽  
Vol 33 (2) ◽  
Author(s):  
Tue Nguyen Dang
Keyword(s):  
Higher Education ◽  
Multiple Regression ◽  
Financial Literacy ◽  
Urban Areas ◽  
Logistic Models ◽  
Factors Affecting ◽  
Financial Behaviors ◽  
Financial Decisions ◽  
Literacy Level

This research examines the factors affecting the financial literacy of Vietnamese adults. Using a sample of 266 observations of adults in 2 big cities in Vietnam (Hanoi and Vinh in Nghe An Province), the author evaluates the literacy level of adults in these urban areas. The financial literacy of the interviewed people is low. The multiple regression results show that lower financial literacy levels associate with higher age and married status and higher financial literacy levels associate with higher education, more family members, the person making financial decisions and the person attending a useful financial course. This research also explores the association between financial literacy and financial behaviors of individuals employing logistic models. It is found that higher financial literacy associates with less probability of overspending and higher probability of saving money and careful spending. Higher financial literacy is also found to associate with higher probability of opening a savings account and making various investments. 

Experimental Investigation into Driver Behavior along Curved and Parallel Diverging Terminals of Exit Interchange Ramps

2021 ◽  
pp. 036119812199742
Author(s):  
Alberto Portera ◽  
Marco Bassani
Keyword(s):  
Design Stage ◽  
Lane Change ◽  
Age And Gender ◽  
Traffic Conditions ◽  
Current Design ◽  
The Difference ◽  
Safety Countermeasures ◽  
And Gender ◽  
Set Up ◽  
Curve Radius

Current design manuals provide guidance on how to design exit ramps to facilitate driving operations and minimize the incidence of crashes. They also suggest that interchanges should be built along straight roadway sections. These criteria may prove ineffective in situations where there is no alternative to terminals being located along curved motorway segments. The paper investigates driving behavior along parallel deceleration curved terminals, with attention paid to the difference in impact between terminals having a curvature which is the same sign as the motorway segment (i.e., continue design), and those having an opposite curvature (i.e., reverse design). A driving simulation study was set up to collect longitudinal and transversal driver behavioral data in response to experimental factor variations. Forty-eight drivers were stratified on the basis of age and gender, and asked to drive along three randomly assigned circuits with off-ramps obtained by combining experimental factors such as motorway mainline curve radius (2 values), terminal length (3), curve direction (2), and traffic conditions (2). The motorway radius was found to be significant for drivers’ preferred speed when approaching the terminal. Terminal length and traffic volume do not have a significant impact on either longitudinal or transversal driver outputs. However, the effect of curve direction was found to be significant, notably for reverse terminals which do not compel drivers to select appropriate speeds and lane change positions. This terminal type can give rise to critical driving situations that should be considered at the design stage to facilitate the adoption of appropriate safety countermeasures.

scholarly journals The bowel and beyond: extracolonic findings from CT colonography

2021 ◽  
Author(s):  
Gerard Lambe ◽  
Peter Hughes ◽  
Louise Rice ◽  
Caoimhe McDonnell ◽  
Mark Murphy ◽  
...  
Keyword(s):  
Ct Colonography ◽  
Surgical Intervention ◽  
Potential Significance ◽  
Age And Gender ◽  
Abdominal Aortic ◽  
Life Threatening ◽  
Extracolonic Findings ◽  
The Difference ◽  
Clinically Significant ◽  
And Gender

AbstractCT colonography has emerged as the investigation of choice for suspected colorectal cancer in patients when a colonoscopy in incomplete, is deemed high risk or is declined because of patient preference. Unlike a traditional colonoscopy, it frequently reveals extracolonic as well as colonic findings. Our study aimed to determine the prevalence, characteristics and potential significance of extracolonic findings on CT colonography within our own institution. A retrospective review was performed of 502 patients who underwent CT colonography in our institution between January 1, 2010 and January 4, 2015. Of 502 patients, 60.63% had at least one extracolonic finding. This was close to other similar-sized studies (Kumar et al. Radiology 236(2):519–526, 2005). However, our rate of E4 findings was significantly higher than that reported in larger studies at 5.3%(Pooler et al. AJR 206:313–318, 2016). The difference may be explained by our combination of symptomatic/screening patients or by the age and gender distribution of our population. Our study lends support to the hypothesis that CT colonography may be particularly useful in identifying clinically significant extracolonic findings in symptomatic patients. CT colonography may allow early identification of extracolonic malignancies and life-threatening conditions such as an abdominal aortic aneurysm at a preclinical stage when they are amenable to medical or surgical intervention. However, extracolonic findings may also result in unnecessary investigations for subsequently benign findings.

Sign in / Sign up

Export Citation Format

Share Document