Gender budget analysis has provided a range of understandings of the different impacts of budgets on women compared to men. The central characteristics of this analysis has been its attempt to systematically recognise the contribution of unpaid care work in economic and social outcomes and women's disproportionate responsibilities for unpaid care work. In this context time use analysis is potentially an important tool uncovering the gender impacts of budgets. / Thesis (PhD)--University of South Australia, 2006.

Gender budget analysis has provided a range of understandings of the different impacts of budgets on women compared to men. The central characteristics of this analysis has been its attempt to systematically recognise the contribution of unpaid care work in economic and social outcomes and women's disproportionate responsibilities for unpaid care work. In this context time use analysis is potentially an important tool uncovering the gender impacts of budgets.

Thesis (Ph. D.)--University of Washington, 1999. / Vita. Includes bibliographical references (leaves [202]-206).

Thesis (M.S.)--University of Wisconsin--Madison, 1983. / Typescript. eContent provider-neutral record in process. Description based on print version record. Includes bibliographical references (leaves 49-50).

Thesis (Ph. D.)--West Virginia University, 1999. / Title from document title page. Document formatted into pages; contains ix, 189 p. : ill. Includes abstract. Includes bibliographical references (p. 131-140).

This study was carried out with the purpose of discovering what factors are predictive of money management behavior; Plan, Implement, and Evaluative Feedback. The data used in this study was subset data collected during 1988, under the NC-167 project entitled "Family Resource Utilization as a Factor in Determining Economic Well Being of Rural Families". Three hundred and seven financial managers in families from Arizona completed and returned the questionnaire used in this study. It was found that (1) the power money attitude, the inadequacy money attitude, and gender were predictor variables of plan behavior; (2) the inadequacy money attitude and age were predictor variables of evaluative feedback.

Thesis (Ph. D.)--University of Texas at Austin, 2008. / Vita. Includes bibliographical references.

The lack of budgeting skills in Government Social Grant recipients has significantly added to an inability in many of the grant recipients to address the existing poverty in their households. This situation has been exacerbated due to exploitation of social grant recipients by illegal money lenders charging excessively high interest rates trapping grant recipients in a vicious cycle of perpetuating debt. In remote rural areas poverty and lack of literacy and numeracy skills go hand in hand. Psycho-social and economic factors play a role in grant recipients’ poor budgeting and financial decision making skills, contributing to them falling into debt in the first place. Aggravating the situation is legislation that limits access to financial resources of those without employment, rendering illegal money lenders the financial entity providing finance by default. The research was conducted in a poor rural area around Tarkastad, Eastern Cape and sought to identify challenges caused by, amongst others, the lack of decent education, poverty and poor budgeting skills, all negatively influencing different social grant holders. Analysis of data from this qualitative study took place by means of a thematic classification against the background of a critical theoretical framework. The researcher believes that this study shed light on issues surrounding exploitation by illegal, unregistered money lenders and that the suggested recommendations, if implemented, may bring about a change in lending patterns and saving behaviour of communities in remote areas.

The major purpose of this study was to investigate how single earner and dual earner families in Delaware manage their family finances and what factors influence satisfaction with their financial management. This study was also designed to assess the impact of perceptions of income adequacy on satisfaction with financial management practices. The subsamples of married single earner and dual earner families were obtained from the larger study on Interactive Planning for Family Futures. This project was partially funded by the U.S. Department of Health and Human Services Administration on Aging and the University of Delaware. The survey was conducted in 1988 by telephone interview in the state of Delaware. Subsamples of 121 dual earner families and 69 single earner families were drawn from a random statewide sample of 306 families in Delaware. The subsamples were limited to married couples where one or both spouses were gainfully employed either full-time or part-time. Analysis of data included use of frequencies, t-tests, chi square, two-way and three-way analyses of variance. Demographically the subsamples were predominantly white, and 70% of the respondents were female. Dual earner families had more education, higher occupational status and higher average incomes than single earner families. The average income range for the study was $30,000-39,999 for single earner families and $40,000-49,999 for dual earner families. Results of the study indicated that dual earner families were more interested in planning for the future than single earner families, and respondents in dual earner families were especially interested in retirement planning. Goal setting was a common practice among both single and dual earner families. A similar proportion (16%) of one and two earner families were concerned about how they would handle a $1,000 crisis. Differences were found in credit use and savings and investment practices of one and two earner families. Dual earner families are more likely to share money management decisions than single earner families. A satisfaction index was created by summing satisfaction scores for standard of living, amount of savings, amount of investments, ability to pay debt and achievement of goals. Respondents were more Satisfied with their standard of living and less satisfied with their savings and investments. Sociodemographic variables significantly related to satisfaction with financial management included age, spouse’s education, respondent’s occupation, and family income. Perceptions of income adequacy were significantly related to satisfaction with financial management for married single earner and dual earner families. Financial management practices significantly related to satisfaction with financial management were amount of debt, amount of savings and investments, money management activities and satisfaction with the decision making process. While it may appear from the data that dual earner families were less satisfied with their financial management, they were more interested and involved in their family’s financial well-being. / Ph. D.

In South Africa household debt has increased rapidly over the past few years, therefore illustrating the importance of analysing liability usage behaviour of individual members within the household. In order to comprehend the behaviour of South Africans regarding liability usages, this study provides insight into why individuals find it necessary to obtain liability products as well as to indicate whether liability products are used to address the financial needs for the purpose it was developed for. To achieve the aim of this study, it was firstly necessary to develop a theoretical framework for the process of selecting credit products when satisfying financial needs. Secondly, the characteristics and intended usage purposes of different credit products available in South Africa were discussed and a debt classification framework was developed. Finally, data obtained from the Finscope South Africa survey was analysed according to the developed frameworks following a combination of two approaches. Firstly, a qualitative approach was used to identify the different financial needs which are satisfied when using liabilities. The financial needs identified were classified according to Alderfer’s existence relatedness growth (ERG) theory and the factors that have an influence on liability usage. Secondly, a quantitative approach was followed to indicate which financial needs are fulfilled when using different credit products. The results of this study suggest that individuals do not use liabilities only for the purpose what the products were originally developed for. The findings clearly indicated that individuals mainly use liabilities to satisfy basic needs which are classified as existence needs according to Alderfer’s ERG theory. Based on the data analysis a variety of factors such as access to credit and certain demographic characteristics have an influence on liability usage behaviour of individuals. The results further show that individuals mainly use informal, unsecured, short-term loans when satisfying their financial needs which might indicate that South Africans are unable to access formal credit products. / Financial Accounting / M. Phil. (Accounting Science)