scholarly journals A Case-Study of Financial Literacy and Wellbeing of Immigrants in Lloydminster, Canada

2017 ◽  
Vol 12 (8) ◽  
pp. 37 ◽  
Author(s):  
Oludamola Durodola ◽  
Patricia Fusch ◽  
Steven Tippins
Keyword(s):  
Financial Literacy ◽  
Rational Choice Theory ◽  
Choice Theory ◽  
Group Discussion ◽  
Social Institutions ◽  
Literacy Education ◽  
Study Data ◽  
Financial Decisions ◽  
Adult Immigrants

The sources of financial literacy education accessible to immigrants to Canada and the link between immigrant’s financial literacy and financial decisions could impact their welfare and Canada’s population growth negatively. The purpose of this qualitative exploratory case study was to explore sources of immigrant’s financial literacy education immediately they arrive Canada and the link between their financial knowledge and financial decisions. The life cycle hypothesis, rational choice theory, and bounded rationality theory grounded the study. Data collection from the purposeful sample included semi-structured face-to-face interviews with 13 adult immigrants and a focus group discussion with 6 adult immigrants, all of whom lived, worked, or owned a business in the city of Lloydminster. Data was collected between December 12 and December 19 2016. Using Yin’s 5 step data analytic procedure, the 6 themes that described the pattern between immigrant’s wellbeing and their financial literacy levels are social institutions, economic institutions, pressure impacting financial decisions, credit facility impacting financial decisions, emotions impacting financial decisions, and discount deals impacting financial decisions. The results from this qualitative study might trigger positive social change if immigrants to Canada develop their financial literacy levels and stay committed to making sensible financial decisions.

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. 

Afterword

Rough Country ◽  
2014 ◽  
Author(s):  
Robert Wuthnow
Keyword(s):  
Race And Ethnicity ◽  
Rational Choice Theory ◽  
Choice Theory ◽  
Church And State ◽  
Social Institutions ◽  
Ethnic Politics ◽  
Group Behavior ◽  
Religious Practice ◽  
Institution Building ◽  
Symbolic Boundaries

This chapter begins by briefly reviewing the two standard approaches to religion often regarded as the most widely discussed alternative perspectives on the relationship between religion and society: secularization theory and rational choice theory. It then discusses how practice theory and an emphasis on lived religion have focused attention on the intricacies of religious practice both outside and inside of religious institutions at the micro level of individual and small-group behavior and yet have failed to provide strong linkages with the macrolevel social structures and processes that interested scholars in earlier studies. The third section draws on studies of race and ethnicity to emphasize how the concept of symbolic boundaries serves as a useful way of thinking about religious categories and identities. The fourth section outlines the processes through which the identities defined by symbolic boundaries change over time and suggests how to bring in consideration of the influences on these processes of political arrangements, demographic factors, and social institutions. Finally, it suggests applications of this multilevel perspective to the analysis of religious actors' strategies of institution building, the dynamics of church and state relations, connections of religion to racial and ethnic politics, and the restructuring of religion.

Using Sociological Rational Choice Theory to Explain Social Institutions

1991 ◽  
Vol 20 (6) ◽  
pp. 950
Author(s):  
Edward J. Lawler ◽  
Michael Hechter ◽  
Karl-Dieter Opp ◽  
Reinhard Wippler
Keyword(s):  
Rational Choice ◽  
Rational Choice Theory ◽  
Choice Theory ◽  
Social Institutions

Pandangan Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Airlangga Tentang Kepatuhan Syariah di Bank Syariah

2015 ◽  
Vol 2 (2) ◽  
pp. 147
Author(s):  
Siti Asmaul Usnah ◽  
Noven Suprayogi
Keyword(s):  
Corporate Culture ◽  
Group Discussion ◽  
Supervisory Board ◽  
Study Data ◽  
Business Faculty ◽  
Student Groups ◽  
Islamic Bank ◽  
Data Collection Technique ◽  
Conventional Banks

Sharia compliance is the main pillar that distinguishes between Islamic banks and conventional banks. Nevertheless, there is still debate among people who use the services of Islamic banking about sharia compliance regarding to the principles of sharia. This research aimed to investigate the customer’s perception of Islamic bank in the scope of Economic and Business Faculty Airlangga University students regarding to sharia compliance practice in Islamic bank which is seen from the concept and indicators of sharia compliance.This research used qualitative approach with a case study. Data collection technique in this research used a Focus Group Discussion (FGD) that consist of four group students of the Economic and Business Faculty Airlangga University from four majors: Economics, Management, Accounting, and Islamic Economics. This research was analyzed using domain and componential analysis.The result of this research showed that sharia compliance concept in Islamic bank that has been agreed by all of four student groups of Economic And Business Faculty of Airlangga University was sharia principles practice in Islamic bank operational system. There were four indicators of sharia compliance which had been agreed by all of four group students of Economic And Business Faculty of Airlangga University. They were akad as according to sharia, corporate culture as according to sharia, lending scheme as according to sharia, halal source of funds. Whereas the indicators which weren’t agreed yet by all of four groupstudents of Economic And Business Faculty of Airlangga University were the existence of Sharia Supervisory Board , financial statements which were reported as according to sharia accounting, and zakat funds.

scholarly journals Pelaksanaan Pendidikan Literasi Finansial pada Siswa Sekolah Dasar

2019 ◽  
Vol 4 (11) ◽  
pp. 1491
Author(s):  
Viving Laila ◽  
Syamsul Hadi ◽  
Subanji Subanji
Keyword(s):  
Financial Literacy ◽  
Well Being ◽  
Literacy Education ◽  
School Students ◽  
Financial Decisions ◽  
Positive Attitudes ◽  
The People ◽  
Basic Competencies ◽  
Teachers And Students

<div align="center"><table width="645" border="1" cellspacing="0" cellpadding="0"><tbody><tr><td valign="top" width="439"><p><strong>Abstract:</strong> This study discusses how to implement financial literacy education in elementary school students. Financial literacy education is a person's activity in applying, understanding and managing information to make financial decisions. Financial literacy education can be taught early to provide knowledge and skills in improving financial well-being. This study uses a descriptive qualitative approach to describe the activities of teachers and students in the implementation of financial literacy education in elementary schools. This study shows that the implementation of financial literacy education can provide positive attitudes for students to participate in production activities and motivate students to save. Teachers can teach financial literacy education in accordance with the basic competencies that already exist in subjects such as mathematics and social studies. Teachers can teach the material the role of the economy in an effort to improve the lives of the people by introducing the type of business and doing activities to make a work and sell it.</p><p class="Abstract"><strong>Abstrak:</strong><em> </em>Penelitian ini membahas tentang bagaimana melaksanakan pendidikan literasi finansial pada siswa sekolah dasar. Pendidikan literasi finansial merupakan aktivitas seseorang dalam mengaplikasikan, memahami, dan mengelola informasi untuk membuat suatu keputusan finansialnya. Pendidikan literasi finansial dapat diajarkan sejak dini untuk memberikan pengetahuan dan keterampilan dalam meningkatkan kesejahteraan finansialnya. Penelitian ini menggunakan pendekatan kualitatif jenis deskriptif, untuk mendeskripsikan aktivitas guru dan siswa dalam pelaksanaan pendidikan literasi finansial di sekolah dasar. Penelitian ini menunjukkan bahwa pelaksanaan pendidikan literasi finansial dapat memberikan sikap positif siswa untuk berpartisipasi dalam kegiatan produksi dan memotivasi siswa untuk menabung. Guru dapat mengajarkan pendidikan literasi finansial sesuai dengan kompetensi dasar yang sudah ada pada mata pelajaran, seperti Matematika dan IPS. Guru dapat mengajarkan materi peran ekonomi dalam upaya menyejahterakan kehidupan masyarakat dengan mengenalkan jenis usaha serta melakukan kegiatan membuat sebuah karya dan menjualnya.</p></td></tr></tbody></table></div>

scholarly journals Analisis Faktor Pendukung dan Faktor Penghambat dalam Pelaksanaan Pemanfaatan Aset Tetap Badan Layanan Umum (BLU): Studi Kasus pada Politeknik Keuangan Negara STAN

2021 ◽  
Vol 5 (2) ◽  
pp. 142-156
Author(s):  
Trisepti Wahyuningsih
Keyword(s):  
Human Resources ◽  
Rational Choice Theory ◽  
Choice Theory ◽  
Human Resources Management ◽  
Depth Interview ◽  
Fixed Assets ◽  
Edward Iii ◽  
Activity Management ◽  
And Control

This study aims to analyze the factors that support and hinder the implementation of the utilization of fixed assets in BLU with a case study on PKN STAN. PKN STAN is one of the BLU of education in Indonesia. The factors used to refer to agency theory, rational choice theory, Edward III theory, and a review of previous research. This research uses an explorative qualitative analysis method. Data collection uses virtual semi-structured in-depth interview techniques. The results showed that the supporting factors for the utilization of fixed assets in BLU are Human Resources, Regulation, Supervision and Control, the Role and Commitment of Leader, and Tariff. Whereas, the inhibiting factors are Activity Management, Human Resources, Regulation, the Role and Commitment of the Leader, and Governance. This research implies that BLU has a significant role in optimizing the utilization of its fixed assets through Human Resources management and activity management. Besides, regulators also play a role in strengthening the flexibility of BLU within the scope of the utilization of fixed assets through clear regulations.

scholarly journals Factors Affecting Tourism Destination: A Case Study in Ha Tien City, Vietnam

2021 ◽  
Vol 1 (6) ◽  
pp. 70-80
Author(s):  
Da Van Huynh ◽  
Hang Thi Thuy Tran ◽  
Trieu Quang Pham ◽  
Xuan Thanh Duong ◽  
Dong Trung Pham
Keyword(s):  
Regression Analysis ◽  
Rational Choice ◽  
Rational Choice Theory ◽  
Choice Theory ◽  
Empirical Studies ◽  
Tourist Destination ◽  
Factors Affecting ◽  
Landscape Factors ◽  
Tourism Services

On the basis of theories of tourism, services, rational choice theory and previous empirical studies, the study proposes a research framework including 6 factors affecting tourists’ decisions when choosing Ha Tien as a destination to visit. The research sample was carried out by surveying by questionnaire with 100 tourists who visited Ha Tien City. Evaluation of the reliability of the scales shows that the destination information factor has not yet ensured the reliability of the scale. Regression analysis shows that there are 3 out of 6 independent factors that most influence tourists’ decision to choose when choosing Ha Tien as a tourist destination. In which, environmental and landscape factors have the most influence on tourists’ decision to choose Ha Tien as a destination. As a result, the article proposes some solutions to contribute to attracting more and more tourists to Ha Tien City.

scholarly journals Financial Literacy Education with an Aboriginal Community: Identifying Critical Moments for Enabling Praxis

2019 ◽  
Vol 9 (1) ◽  
pp. 12
Author(s):  
Levon Blue
Keyword(s):  
Financial Literacy ◽  
Well Being ◽  
Literacy Education ◽  
Wealth Accumulation ◽  
Individual Choice ◽  
Structured Interviews ◽  
Aboriginal Community ◽  
Financial Decisions ◽  
Train The Trainer ◽  
Critical Moments

Conventional financial literacy education (FLE) practices promote individual choice and responsibility for financial circumstances. The untruth connected to conventional FLE is that achieving financial well-being is possible after acquiring financial skills and knowledge and choosing to make effective financial decisions. In this article, I share an exploration of FLE practices with an Aboriginal community that unfolded after a conventional train-the-trainer financial literacy workshop failed to gain traction. Nineteen semi-structured interviews took place with community members to understand their experiences, interest and perceived relevance of FLE. The importance of site-specific FLE was revealed as the tension between individual wealth accumulation practices promoted in conventional FLE collided with Indigenous ways of being, knowing and doing. Identified are critical moments for reflection that may enable praxis in FLE. By enabling praxis an educator moves away from conventional one-size-fits-all approaches to FLE, where participants’ needs are assumed, and towards more tailored approaches.

“Where to Publish?” Avoiding Mediocrity for Academic Staff Promotion at the University of Dar es Salaam

2021 ◽  
Vol 48 (2) ◽  
pp. 621-646
Author(s):  
Alexander Makulilo
Keyword(s):  
Rational Choice Theory ◽  
Choice Theory ◽  
Academic Staff ◽  
Dar Es Salaam ◽  
University Management ◽  
World Class ◽  
The University ◽  
Promotion Rate ◽  
High Rejection

Abstract Does “where to publish” affect academic staff promotion outcome? Using rational choice theory and the University of Dar es Salaam as case study, this article analyses the law and practice associated with academic staff promotion regarding “where to publish”. The article finds that the University has relatively well elaborate and adequate promotion guidelines and institutional frameworks to guide on “where to publish” in line with its vision of becoming a world-class university. Nonetheless, through series of workshops with staff and heads of department as well as interviews with the University management, it was observed that there is still little understanding of “where to publish” among staff although the situation is progressively changing. Some staff prefer predatory journals due to ignorance, frequent failures and lack of confidence to publish in credible journals. Consequently, the annual promotion rate remains low suggesting high rejection of publications by the University due to predatory nature of media of publication and failure by majority staff to publish.

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