scholarly journals Consumer Financial Knowledge and Cashless Payment Behavior for Sustainable Development in Poland

2021 ◽  
Vol 13 (11) ◽  
pp. 6401
Author(s):  
Beata Świecka ◽  
Paweł Terefenko ◽  
Tomasz Wiśniewski ◽  
Jingjian Xiao
Keyword(s):  
Sustainable Development ◽  
Financial Literacy ◽  
Scientific Research ◽  
Financial Knowledge ◽  
Financial Behavior ◽  
Main Element ◽  
Personal Traits ◽  
The Sustainable Development ◽  
Complex Concept

Financial knowledge is the main element of financial literacy, which is important for the sustainable development of individuals and society. Sustainability is a complex concept that spans many fields, including financial knowledge for all ages. Financial knowledge requires significant scientific research showing its impact on individuals and the economy, including non-cash payments. Consumer payment knowledge and its association with consumer financial behavior have long been a matter of widespread interest by researchers, but no in-depth, empirically based scientific research has been completed for Poland. The objective of this study was to examine factors associated with cashless payment behavior with an emphasis on the role of consumer financial knowledge. A total of 1100 interviews were carried out with Polish nationals aged 15 and above. The collected data were analyzed with the use of statistical methods, including analysis of variances (ANOVA), in order to examine consumers’ financial knowledge by basic economic and non-economic factors. Additionally, a data-mining method known as Random Forests was implemented for finding the variable importance in correlations between consumer financial knowledge and preferred methods of payment. The results revealed the diversity of factors influencing consumer behavior. Among the consumers’ personal traits, financial knowledge was one of the most important determinants of their payment choices. The results have implications for the design of payment processes. The results can be used by central banks to determine the directions of financial inclusion, as well as for stakeholders in the payments market.

scholarly journals PENGARUH KOMPETENSI KEUANGAN TERHADAP LITERASI KEUANGAN BAGI WANITA DI MAKASSAR

2018 ◽  
Author(s):  
Budi Rustandi Kartawinata ◽  
Muhammad Ikhwan Mubaraq
Keyword(s):  
Decision Making ◽  
Financial Literacy ◽  
Quantitative Research ◽  
Vital Role ◽  
Financial Knowledge ◽  
Financial Behavior ◽  
Financial Decision ◽  
Independent Variable ◽  
Strategic Position

Currently women hold a vital role both in business even in household. Given that the group has a very strategic position because this group becomes a determinant in decision making of household financial. Therefore, the financial literacy of women is very needed to be a guide in the financial decision making process so that the role of women can run properly and appropriately. This research aims to determine the influence of financial behavior, financial attitude, and financial knowledge on financial literacy of well educated women in Makassar city. This research is a quantitative research with descriptive and causal data analysis. Respondents studied in this research numbered to 100 well-educated women in Makassar. This study uses four variables, namely three independent variables and one dependent variable. The independent variable consists of financial behavior, financial attitude, and financial knowledge while the dependent variable is financial literacy . The results of this study indicate that the financial behavior is in the position of 73.74% and included in good category. Financial attitude has a percentage of 82.47% and included in good category. Financial knowledge has a percentage of 84.57% and included in excellent category. Financial literacy has a percentage of 78.52% and included in good category. The results of this research indicate that financial knowledge has a significant influence on financial literacy.

scholarly journals The Place and Role of Intellectual Property Policies in an Advanced Scientific Research and Education University

2017 ◽  
Vol 23 (1) ◽  
pp. 479-488
Author(s):  
Mihail Aurel Țîțu ◽  
Constantin Oprean ◽  
Sebastian Stan ◽  
Ștefan Țîțu
Keyword(s):  
Economic Growth ◽  
Sustainable Development ◽  
Technology Transfer ◽  
Intellectual Property ◽  
Scientific Research ◽  
Intellectual Property Protection ◽  
The Sustainable Development ◽  
Innovation And Technology ◽  
Research And Education

AbstractIntellectual property plays an important role in the sustainable development of an university. Nowadays we can not talk about economic growth respectively about innovation and technology transfer if there is no analysis regarding the place and role of intellectual property protection in universities done. In this context, the authors conducted a study and have expressed a view on how the Intellectual Property policies must be understood and implemented later in an advanced scientific research and education university.

The role of parliament in the sustainable development of the country: Agenda for Kazakhstan

2020 ◽  
pp. 29-52
Author(s):  
Aliya Kassymbek ◽  
Lazzat Zhazylbek ◽  
Zhanel Sailibayeva ◽  
Kairatbek Shadiyev ◽  
Yermek Buribayev
Keyword(s):  
Sustainable Development ◽  
The Sustainable Development

Problem of energy efficiency in the model of sustainable development in Ukraine: EU experience

2019 ◽  
pp. 18-23
Author(s):  
Vasyl Zelenko ◽  
Yaryna Ferenchak ◽  
Nataliya Zelenko
Keyword(s):  
Energy Efficiency ◽  
Sustainable Development ◽  
Energy Saving ◽  
Association Agreement ◽  
Climate Conditions ◽  
The Sustainable Development ◽  
Non Profit ◽  
Efficiency Measures ◽  
Efficient Construction

The paper outlines major preconditions of development of energy efficiency programs and the process of their introduction from the perspective of sustainable development concept. Energy saving measures of European Union are examined, its experience and results, like green books and Thermie programs, etc are analyzed. The paper also specifies relevant activities and responsibilities undertaken by Member States by 2030 and the rates planned to be achieved. The experience of neighboring Poland in energy efficiency promotion is analyzed, as far as the country most closely resembles Ukraine by the initial rates in 1990. We calculated conditional losses of Ukraine in 2017 as the gap between the rates of energy efficiency of Ukraine and Poland (similarity of climate conditions and the state of housing funds allowed us to assume that the comparison will be the most correct regarding Ukraine). The results of calculations make us conclude that the funds are used most efficiently if the money designated, for example, for subsidizing of population are directed at strengthening of energy efficiency (at least up to the level of neighboring country). It will result in saving of about 40 billion. This is the amount defined as Ukrainian capacity in terms of improvement of energy saving and possible results of its realization. The paper determines the stage Ukraine is at in introduction of energy efficiency measures and programs: “warm loans” program; conditions regarding energy saving in Ukraine enshrined in the EU-Ukraine Association Agreement; creation of legal basis, namely the Law of Ukraine “On Energy Efficiency Fund” as of 8 June 2017. The role of newly created Energy Efficiency Fund is analyzed. Special attention is paid to the fact that energy efficient construction is one of international liabilities undertaken by Ukraine. The presence of The Active House Alliance at Ukrainian market is an important achievement in this sphere as it is the non-profit association aiming at creation of housing concept corresponding to the sustainable development principles.

scholarly journals Cultural Consumption and Citizen Engagement—Strategies for Built Heritage Conservation and Sustainable Development. A Case Study of Indore City, India

2021 ◽  
Vol 13 (5) ◽  
pp. 2878
Author(s):  
Soniya Billore
Keyword(s):  
Sustainable Development ◽  
Cultural Heritage ◽  
Secondary Data ◽  
Collective Responsibility ◽  
Citizen Engagement ◽  
Cultural Consumption ◽  
City Region ◽  
The Sustainable Development ◽  
Built Heritage

Cultural heritage is an invaluable asset of any city, region, or community and is an important component in the sustainable development of societies and economies. However, the role of cultural heritage has been understudied in terms of its social embeddedness and impact on social cohesion. This has led to a demand for more insights on how cultural heritage is conserved globally and more significantly via the role of societal stakeholders. Inclusive strategies allow diverse sections of a community to engage and enrich not only the anthropological interpretations of society but also support social stability and foster positive social change. This paper exemplifies how an inclusive approach was used to engage citizen engagement for the sustainable development of the built heritage in the city of Indore in central India. Best practices are presented through secondary data through various print and online sources relevant to the context. Open coding of secondary data has helped to identify strategic approaches and relationships that emerge as crucial to citizen engagement as presented in this study. The paper discusses strategies that, based on diversity and inclusivity, contribute to the enrichment of community knowledge, increased synergistic participation, and the enhancement of the sense of collective responsibility in cultural consumption.

scholarly journals The Determinants of Access to Sanitation: The Role of Human Rights and the Challenges of Measurement

Water ◽  
2021 ◽  
Vol 13 (12) ◽  
pp. 1676
Author(s):  
Rebecca Schiel ◽  
Bruce M. Wilson ◽  
Malcolm Langford
Keyword(s):  
Sustainable Development ◽  
Human Rights ◽  
Field Data ◽  
Data Availability ◽  
Regression Analyses ◽  
Human Right ◽  
Sustainable Development Goal ◽  
Development Goal ◽  
The Sustainable Development

Ten years after the United Nation’s recognition of the human right to water and sanitation (HRtWS), little is understood about how these right impacts access to sanitation. There is limited identification of the mechanisms responsible for improvements in sanitation, including the international and constitutional recognition of rights to sanitation and water. We examine a core reason for the lack of progress in this field: data quality. Examining data availability and quality on measures of access to sanitation, we arrive at three findings: (1) where data are widely available, measures are not in line with the Sustainable Development Goal (SDG) targets, revealing little about changes in sanitation access; (2) data concerning safe sanitation are missing in more country-year observations than not; and (3) data are missing in the largest proportions from the poorest states and those most in need of progress on sanitation. Nonetheless, we present two regression analyses to determine what effect rights recognition has on improvements in sanitation access. First, the available data are too limited to analyze progress toward meeting SDGs related to sanitation globally, and especially in regions most urgently needing improvements. Second, utilizing more widely available data, we find that rights seem to have little impact on access.

Sign in / Sign up

Export Citation Format

Share Document