The analysis of use of time during the week and the weekend provides an appropiate measure of the lifestyle. We describe the characteristics of the different groups and they are studied in relation to the lifestyle and work and family satisfaction. The concept of Congruence/Incongruence is used for analyzing the relationship between work and family environments. The conclusion is that those worlds are not independent. Moreover, lifestyle and satisfaction show some associations with demographic variables such as sex, kind of couple, and vital cycle (the age and the fact of having children). / El análisis de la distribución del tiempo que realizan las personas durante la semana y el fin de semana proporciona una adecuada medida del estilo de vida. Se describen y estudian las características de diferentes grupos de personas en función del estilo de vida y la satisfacción en el ámbito laboral y familiar. A través del concepto Congruencia/Incongruencia se analiza la relación entre el entorno laboral y familiar, donde se comprueba que ambos, mundos no son independientes. A su vez, el estilo de vida y la satisfacción muestran determinadas relaciones con variables demográficas como sexo, tipo de pareja y ciclo vital (edad y tener/no tener hijos).

Magister Philosophiae - MPhil / This study assesses the present level of household water access and the willingness to pay in South Africa. Although the general literature informs that progress has been made in positing South Africa above the levels found in most African countries, there are some marked inequalities among the population groups and across the provinces, with some performing well and others poorly in this regard. The study looks at the extent to which households differ in terms of water access and willingness to pay according to the province of residence. The study focuses on household heads; male and female, through different social and demographic attributes, by taking account of variables such as age, education attainment, geographic areas, and population group to name but a few. The data used in this study comes from the 2007 General Household Survey (GHS) conducted by Statistics South Africa. The scope is national and employs cross tabulation and logistic regression to establish relationships and the likelihood of living in a household with access to safe drinking water in South Africa. Results presented in this study suggest that the difference is determined by socio- demographic characteristics of each household such as age, gender, population group, level of education, employment status income, dwelling unit, dwelling ownership, living quarters, household size and income. It throws more light as to what needs to be taken into account when considering demand and supply of and priorities for water intervention from the household perspective. / South Africa

Healthcare associated infections cause 75,000 to 80,000 deaths a year. Many are preventable with proper hand hygiene adherence (HHA). Worldwide, HHA range is between 40-60%, far below the 100% recommended. The purpose of this quantitative, cross-sectional, prospective study was to investigate any association between 15 demographic variables and HHA of ICU nurses. A convenience sample of 613 hand hygiene opportunities was collected by direct observation at each of 5ICUs (4 hospitals) in Texas for 8 consecutive hours each day for 3-5 days. The theoretical foundation guiding this study was the healthcare environment theory. The Statistical Package for Social Sciences software was used for descriptive and inferential analysis of data. An aggregated overall HHA rate of 64.09% was identified among all nurses, 66.88% among male nurses and 62.27% among female nurses. Number of children, age of the nurse, number of years of living in the U.S., and the number of years of active nursing practice were significantly associated with HHA (p = .000) using paired sample t-test. The potential social change impact of this study is identifying variables associated with HHA, identification and measurement of 4 barriers to HHA, measuring the Hawthorne Effect, identification of Low Gelers, High Gelers, and Super Gelers, average rate may not be indicative of what is happening in hospital, and call for standardization of surveillance methodology. Findings may lead to specific interventions to increase HHA among nurses with certain demographic characteristics.

No description available.

金融服務業乃一國經濟發展中重要樞紐，也是支持產業發展之經濟命脈。回顧台灣金融業近30年來的軌跡，可以說就是一部台灣經濟發展史的縮影。金融發展之於經濟成長，如同血液循環之於身體，一旦循環阻塞，健康立即出狀況。因此一旦金融機構資金中介角色不順暢，經濟成長肯定受到嚴重的打擊，同時產生不少社會問題。 2003年起，台灣各金控公司與銀行間，開始大力的拓展財富管理業務。T銀行則於2007年7月1日才正式開辦財富管理業務，在同業中是起步最晚。本研究旨就財富管理市場之經營特質，針對T銀行所屬全體理財專員，從各項人口統計變數中，探討對工作績效之影響，作為業者日後甄選理財專員、管理與培訓時建請卓參，俾利積極發展財富管理業務，超越同業，成為相關領域的巨擘。 本研究採用郵寄問卷調查法，對T銀行全體127位理財專員全面寄發，以Limdep 9.0統計軟體進行各項資料分析，並輔以實證模型分析來驗證各項假設，經研究後主要發現： T銀行的理財專員的教育程度、服務的地區、與顧客溝通使用的語言均與工作績效呈現顯著差異；而理財專員每日工作時數、擁有貴賓客戶數量，與工作績效呈現顯著正影響。理財專員擁有證照的張數，與工作績效呈現顯著負影響；理財專員在中、南部地區使用國語行銷則與工作績效呈現顯著負影響。 若採納研究建議，T銀行於財富管理業務上，當可獲致極大的進展。將於同業中取得優勢、營業績效蒸蒸日上，市占率將名列前矛。 / The financial services industry is one of the most important sectors for the economic growth and development of a country. It also functions as the lifeline supporting the development of business and industry of a nation. The business track for the past three decades of the financial services industry indeed reflects the overall big picture of Taiwan's economic development. Financial development to the growth of economy is just as the circulation of the blood to the body. Once the financial institutions fail the role of financial intermediaries, economic growth will undoubtedly have a grave impact resulting in a lot of social problems. Since 2003, Taiwanese financial holding companies and banks have been trying hard to develop wealth management business. T-Bank engaged in this business on July 1, 2007, which is the latest bank to start wealth management business in the industry. This study is to investigate the impact of demographic variables toward job performance, especially to the financial advisors in T-Bank, based on the operating characteristics of financial management market. The research results can provide valuable suggestions to T-Bank in terms of hiring, training and management of financial advisors, which can help to actively expand its wealth management business and make it a leading role in the industry. Using the mailed questionnaire method, 127 copies of questionnaire had been sent out to all the financial advisers of the T-Bank. All the data were analyzed by statistical software Limped 9.0. The empirical model was then utilized to verify all the hypotheses. The major findings of this study are as follows: There are significant differences between the work performance and the education level of the advisers, their serving area, the language they use when communicate with customers; their daily working hour and the number of VIP customers in individual account has significant positive influence to the work performance. The number of certificate each advisor possesses has significant negative influence to the work performance; conversing in Mandarin Chinese in central and southern Taiwan has significant negative influence to the work performance. T-bank will gain tremendous progress in wealth management business if it adopts the proposed suggestions in this study. It will also have strong competitive advantages among the industry. Its business will flourish and have the top rank in market shares.

O ingresso na universidade impõe inúmeros desafios ao estudante e pesquisas indicam que estudantes mais habilidosos socialmente podem ter menor propensão a apresentar problemas de saúde mental, provavelmente por terem maior habilidade para lidar com esses desafios. Nessa interface o desempenho acadêmico dos universitários também ganha destaque na literatura da área. Observa-se uma tendência a identificação de uma relação positiva entre repertório socialmente habilidoso, bom desempenho acadêmico e saúde mental dos universitários, embora poucas pesquisas empíricas embasem tal afirmação Nesse contexto se insere a proposta deste estudo, como desdobramento de um amplo estudo desenvolvido junto a alunos de graduação. Objetiva-se verificar se as habilidades sociais e as condições de saúde mental de estudantes universitários dos anos iniciais da graduação são preditoras do desempenho acadêmico dos mesmos no início e ao final da graduação, bem como verificar as possíveis associações entre as variáveis mencionadas. Propõe-se um delineamento comparativo, correlacional e preditivo e a inclusão da variável desempenho acadêmico dos graduandos, não avaliada no estudo amplo. Foram participantes deste estudo 305 estudantes universitários, de ambos os sexos e de diferentes cursos de graduação da UNESPBauru, que foram avaliados quando cursavam até um semestre anterior ao meio do curso, caracterizando início da graduação. Esses participantes, após os devidos procedimentos éticos, responderam em sala de aula, a um conjunto de instrumentos apresentados em um caderno contendo instruções específicas para cada um deles, a saber: Questionário de Avaliação de Habilidades Sociais, Comportamentos e Contextos para Universitários (QHC universitários), Versão reduzida do Inventário de Fobia Social (Mini SPIN), Inventário de Depressão de Beck (BDI) e Inventário de Habilidades Sociais (IHS Del Prette). E, posteriormente, responderam individualmente a Entrevista Clínica Estruturada para o DSM-IV (SCID) conduzida por telefone. Realizou-se a coleta dos dados sobre o desempenho acadêmico dos universitários, junto à secretaria da universidade, registrando as informações referentes às notas de início do curso e se os participantes concluíram ou não a graduação no tempo especificado pelas grades curriculares dos cursos. Foram selecionadas para o modelo de regressão logística binária para as análises do desempenho acadêmico do início e final da graduação as variáveis que apresentaram nível de significância de p<0,1 nas análises univariadas. As variáveis IHS-autocontrole da agressividade em situações aversivas (F5) e saúde mental foram as variáveis incluídas na análise do início da graduação e se mantiveram como preditoras. Em relação ao final da graduação foram incluídas as variáveis QHC comunicação e afeto, QHC falar em público e apresentar seminários, QHC comunicação e afeto e QHC potencialidades para grupos diferenciados pelos escores de ansiedade, IHS escore total, IHS autoafirmação da expressão de sentimentos negativos, IHS autoexposição a desconhecidos e situações novas, sexo, ano do curso, área e desempenho acadêmico inicial, mantendo-se como preditoras: sexo feminino, estar matriculado em anos mais avançados, por ocasião da avaliação do início do curso, cursar área de humanas e ter desempenho acadêmico inicial na média ou acima da média. Tais dados sugerem desdobramentos para os campos da psicologia, da educação e para as políticas públicas. / Getting into college poses many challenges for students. Research in the field shows that more socially skillful students are less likely to present with mental problems, probably because they have better skills in coping with these challenges. In this aspect academic performance also plays an important role in the field literature. A tendency is seen that points to a positive relationship between good social skills, good academic performance and mental health in university students, although little empiric research bears out this statement. That is the goal of this project, a spin-off of a study carried out among undergraduate students. Our aim is to assess whether mental health and social skills of university students in the first years of an undergraduate course predict their academic performance during and at the end of the course as well as to assess possible associations between the variables under study. We propose a correlational and predictive analysis and the inclusion of the undergraduate students academic performance variable, not assessed in the in-depth study. 305 students of both genders and of different undergraduate courses of UNESP-Bauru were assessed when they were still in a semester before half of the course, which corresponds to the beginning of the undergraduate course. These subjects, after undergoing ethical procedures, answered in the classroom a set of questionnaires shown them in a notebook containing specific instructions for each one of them, which were: Questionnaire on Assessing University Students Behavior and Lifestyles (QAUSBL), reduced version of the Social Phobia Inventory (Mini SPIN), Beck Depression Inventory (BDI) and Social Skills Inventory (SKI - Del Prette). Later they individually answered a structured clinical telephone interview for DSN-IV (SCID). Data concerning students academic performance were collected at the university deans office, including grades at the beginning of the course as well as whether students graduated within the period specified by the school\'s timetable. For the model of binary logistic regression to analyze academic performance at the beginning and end of undergraduate studies, the variables with a significance level of p<0 in univariate analyses were selected. The variables IHC-self-control of aggressiveness in adverse situations (F5) and mental health were the variables included in the analysis at the beginning of undergraduate studies and were kept as predictive. At the end of the course, communication and affection QAUSBL, speaking in public and presenting seminars QAUSBL and potentialities for groups differentiated by anxiety scores QAUSBL, total score SKI, self-affirmation of expressing negative feelings SKI, self-exposal to strangers and new situations, sex, course year, field and initial academic performance SKI. The predictive factors were: feminine sex, being enrolled in higher years during the evaluation that took place at the beginning of the course, attending human science courses and to showing an initial academic performance on average or above average. Such data suggest unfolding into the fields of psychology, education and public policies.

Tourism activities set in coastal and marine environments have evolved far beyond the traditional passive leisure experiences of the classic resort holiday. While the traditional beach holiday remains a contemporary mass tourism phenomenon. Marine tourism now extends far beyond beach activities to a wide spread spectrum of activities including scuba diving with over 20 million certified divers worldwide. The tourism product carries both the characteristics of the service product and the characteristics unique to the tourism industry, which makes the tourism product different from physical/ tangible goods. Therefore tourism destinations involve a multiple of industries (e.g. hospitality, transportation, entertainment) that contribute through their value-added activities to the overall competitive position in the marketplace. Tourism value can be seen as a combination of a product’s (destination’s) perceived quality and associated price which a visitor will summarize as the value received. Value in tourism has been seen as a definite option to improve a destination’s competitive edge. Tourism development is about adding value in a way that is consistent with market demand. As tourism value is created within the destination it holds various benefits including that destinations will achieve high market growth and hence become more competitive due to successful value-added programmes. Destinations are winning competitive battles by careful analysis and response to the core values and needs of the segmented travel marketplace. This study was based on four distinct value dimensions developed by Sweeney and Soutar (2001:211) that are termed emotional, social, quality/ performance and price/ value for money. Sweeney and Soutar’s model (2001:211) was examined to determine its appropriateness for an intangible product in the service sector namely scuba diving. Two modifications to Sweeney and Soutar’s model (2001:211) were required for this study. The modifications which were used in this study included perceived risk value which was introduced by Hall, Robertson and Shaw (2001:350) and epistemic value developed by Sheth, Norman and Gross (1991:160). The primary goal of this dissertation was to determine the perceived value of scuba diving tourists at a marine destination. A literature study was undertaken to contextualise Marine Tourism and perceived value since a review of existing literature on perceived value provides insight as to why the value concept is so crucial for the success of marketing researchers. Thereafter an empirical study was undertaken to obtain relevant data for analysis. A nonprobability sampling method namely convenience sampling was used to conduct the survey due to the absence of a structured list of divers visiting Sodwana Bay during this time. A destination-based survey was undertaken at Sodwana Bay from the 29th of March to the 8th of April 2012. Five hundred (500) self-administered surveys where distributed by field workers among scuba divers who were available and willing to complete the questionnaire. Of the 500 questionnaires distributed a total of 402 were completed and could be used for collation of data. Microsoft™ Office™ Excel 2007 was used to capture the data, which was then statistically analysed and processed by means of descriptive statistics using the SPSS 20.0 programme. More specifically, factor analysis and ANOVAs were done to analyse the value created. In order to achieve the goal, the study was divided into two articles. Article 1 aimed to determine the perceived value of a tourism experience, in this case for the scuba diving tourists at a marine destination, namely Sodwana Bay. Results revealed that the demographic profile of the scuba divers, are middle aged Afrikaans speaking men who are well educated, earn a high income, and originate from Gauteng. To examine the factors underlying the value scale, a principle axis factor analysis with oblique rotation (direct oblimin) was undertaken. The twenty-two factor aspects yielded five factors with eigen values greater than 1.0. These factors explained 64% of the variance and were labelled: ‘Emotional value’, ‘Functional value’, ‘Social value’, ‘Perceived risk value’ and ‘Epistemic value’. Twenty-one aspects had loadings of over 0.418, with only one item having a factor loading of 0.251. With the highest mean (3.43) Epistemic value revealed that respondents consider curiosity, acquiring knowledge, providing novelty and broadening knowledge as key in a valued experience. Reliability (Cronbach’s α) was computed to verify the internal consistency of aspects with each factor. All factors with a Cronbach Alpha above 0.63 were deemed acceptable for the purposes of this exploratory study. Bartlett’s test of sphericity was significant (p<0.001) and the Kaiser-Meyer-Olkin measure sampling adequacy (KMO) was 0.874, which are acceptable for the purpose of this study. Article 2 aimed to determine the factors which influence perceived tourism values of scuba divers at a marine destination, namely Sodwana Bay. To achieve this, ANOVAs were developed and correlations were drawn between age, gender, province, income, level of education, marital status, number of times dived, number of nights stayed in the area, travel group size and media (including, websites, shows, friends, radio, T.V., magazines, previous visits and social networks such as Facebook and Twitter). Correlations were discovered between language, province, marital status, income and media (including, websites, shows, friends, radio, T.V., Magazines, Previous visits and Social Networks such as Facebook and Twitter). The perceived values which were rated highest in each case were emotional value, perceived risk value and perceived functional value. Since this is the first study of its kind in South Africa, it can benefit marine destinations all across the country. The perceived values which were rated highest in both articles should be of high priority in marketing efforts for marine destinations, especially where scuba diving activities are taking place. Assessing and understanding these values will help scuba diving destinations to gain a competitive advantage and provide a more tailor-made product which will improve the value experienced. It is recommended that this study is repeated at other diving sites and also various other tourism products to determine difference and/or similarities between tourism values. Marketing strategies can be utilized through the identification of these and various other values which will improve current marketing efforts. / Thesis (MA (Tourism Management))--North-West University, Potchefstroom Campus, 2013.

Tourism activities set in coastal and marine environments have evolved far beyond the traditional passive leisure experiences of the classic resort holiday. While the traditional beach holiday remains a contemporary mass tourism phenomenon. Marine tourism now extends far beyond beach activities to a wide spread spectrum of activities including scuba diving with over 20 million certified divers worldwide. The tourism product carries both the characteristics of the service product and the characteristics unique to the tourism industry, which makes the tourism product different from physical/ tangible goods. Therefore tourism destinations involve a multiple of industries (e.g. hospitality, transportation, entertainment) that contribute through their value-added activities to the overall competitive position in the marketplace. Tourism value can be seen as a combination of a product’s (destination’s) perceived quality and associated price which a visitor will summarize as the value received. Value in tourism has been seen as a definite option to improve a destination’s competitive edge. Tourism development is about adding value in a way that is consistent with market demand. As tourism value is created within the destination it holds various benefits including that destinations will achieve high market growth and hence become more competitive due to successful value-added programmes. Destinations are winning competitive battles by careful analysis and response to the core values and needs of the segmented travel marketplace. This study was based on four distinct value dimensions developed by Sweeney and Soutar (2001:211) that are termed emotional, social, quality/ performance and price/ value for money. Sweeney and Soutar’s model (2001:211) was examined to determine its appropriateness for an intangible product in the service sector namely scuba diving. Two modifications to Sweeney and Soutar’s model (2001:211) were required for this study. The modifications which were used in this study included perceived risk value which was introduced by Hall, Robertson and Shaw (2001:350) and epistemic value developed by Sheth, Norman and Gross (1991:160). The primary goal of this dissertation was to determine the perceived value of scuba diving tourists at a marine destination. A literature study was undertaken to contextualise Marine Tourism and perceived value since a review of existing literature on perceived value provides insight as to why the value concept is so crucial for the success of marketing researchers. Thereafter an empirical study was undertaken to obtain relevant data for analysis. A nonprobability sampling method namely convenience sampling was used to conduct the survey due to the absence of a structured list of divers visiting Sodwana Bay during this time. A destination-based survey was undertaken at Sodwana Bay from the 29th of March to the 8th of April 2012. Five hundred (500) self-administered surveys where distributed by field workers among scuba divers who were available and willing to complete the questionnaire. Of the 500 questionnaires distributed a total of 402 were completed and could be used for collation of data. Microsoft™ Office™ Excel 2007 was used to capture the data, which was then statistically analysed and processed by means of descriptive statistics using the SPSS 20.0 programme. More specifically, factor analysis and ANOVAs were done to analyse the value created. In order to achieve the goal, the study was divided into two articles. Article 1 aimed to determine the perceived value of a tourism experience, in this case for the scuba diving tourists at a marine destination, namely Sodwana Bay. Results revealed that the demographic profile of the scuba divers, are middle aged Afrikaans speaking men who are well educated, earn a high income, and originate from Gauteng. To examine the factors underlying the value scale, a principle axis factor analysis with oblique rotation (direct oblimin) was undertaken. The twenty-two factor aspects yielded five factors with eigen values greater than 1.0. These factors explained 64% of the variance and were labelled: ‘Emotional value’, ‘Functional value’, ‘Social value’, ‘Perceived risk value’ and ‘Epistemic value’. Twenty-one aspects had loadings of over 0.418, with only one item having a factor loading of 0.251. With the highest mean (3.43) Epistemic value revealed that respondents consider curiosity, acquiring knowledge, providing novelty and broadening knowledge as key in a valued experience. Reliability (Cronbach’s α) was computed to verify the internal consistency of aspects with each factor. All factors with a Cronbach Alpha above 0.63 were deemed acceptable for the purposes of this exploratory study. Bartlett’s test of sphericity was significant (p<0.001) and the Kaiser-Meyer-Olkin measure sampling adequacy (KMO) was 0.874, which are acceptable for the purpose of this study. Article 2 aimed to determine the factors which influence perceived tourism values of scuba divers at a marine destination, namely Sodwana Bay. To achieve this, ANOVAs were developed and correlations were drawn between age, gender, province, income, level of education, marital status, number of times dived, number of nights stayed in the area, travel group size and media (including, websites, shows, friends, radio, T.V., magazines, previous visits and social networks such as Facebook and Twitter). Correlations were discovered between language, province, marital status, income and media (including, websites, shows, friends, radio, T.V., Magazines, Previous visits and Social Networks such as Facebook and Twitter). The perceived values which were rated highest in each case were emotional value, perceived risk value and perceived functional value. Since this is the first study of its kind in South Africa, it can benefit marine destinations all across the country. The perceived values which were rated highest in both articles should be of high priority in marketing efforts for marine destinations, especially where scuba diving activities are taking place. Assessing and understanding these values will help scuba diving destinations to gain a competitive advantage and provide a more tailor-made product which will improve the value experienced. It is recommended that this study is repeated at other diving sites and also various other tourism products to determine difference and/or similarities between tourism values. Marketing strategies can be utilized through the identification of these and various other values which will improve current marketing efforts. / Thesis (MA (Tourism Management))--North-West University, Potchefstroom Campus, 2013.

Conselho Nacional de Pesquisa e Desenvolvimento Científico e Tecnológico - CNPq / Financial literacy has been recognized as an essential skill for individuals to act in the complex economic context. However, the evidence indicates that financial literacy is a complex phenomenon that it can be determinant of other behavioral factors, besides presenting itself differently in different socioeconomic and demographic variables. Thus, the present research seeks to innovate and advance in this theme, aiming to develop a model capable of encompassing the direct and indirect relations of financial literacy with the behavioral factors: materialism, compulsive buying and propensity to debt. In addition to identifying the invariance of the proposed model according to the socioeconomic and demographic variables, when verifying if a single model is adequate to measure the financial literacy of different groups of individuals and to point out the differences of averages existing between them. For that, this research was carried out with 2,487 individuals, using confirmatory factorial analysis, structural equation modeling and multigroup analysis, with eight propositions and six research hypotheses that integrate the proposed model. The main results showed that the majority had a low level of financial literacy, and the model for their measurement was invariant only for the variables gender, schooling and own income, and confirming three research propositions. In addition, five research hypotheses were confirmed, showing that the impact of financial literacy on compulsory buying was the largest among the proposed direct relationships. The total effects that financial literacy has on behavioral factors, we can see that the greatest impact was on compulsive buying behavior, followed by the impact on the propensity to debt and, finally, on materialism. These results are important for the development of public policies and other actors interested in the theme, since financial literacy goes beyond the fact of impacting the financial health of those who have it, but it can also help in a broader way those who suffer of other psychosocial behaviors, such as compulsive buying behavior. Models of this theme become fundamental to understand the importance and possible impacts of adopting national financial literacy strategies, and it can help in the development of treatments. The results showed that the impact imagined when studying only the financial literacy in the propensity to debt of the individuals becomes even more expressive when other behavioral factors are involved in this relation. / A alfabetização financeira vem sendo reconhecida como uma habilidade essencial para os indivíduos atuarem no complexo contexto econômico que estão inseridos. No entanto, as evidências indicam que a alfabetização financeira é um fenômeno complexo e que pode ser determinante de outros fatores comportamentais, além de apresentar-se de maneira distinta em diferentes variáveis socioeconômicas e demográficas. Assim, o presente trabalho busca inovar e avançar neste tema, tendo como objetivo desenvolver um modelo capaz de abarcar as relações diretas e indiretas da alfabetização financeira com os fatores comportamentais: materialismo, compras compulsivas e propensão ao endividamento. Buscando ainda identificar a invariância do modelo proposto segundo as variáveis socioeconômicas e demográficas, ao verificar se um único modelo é adequado para mensurar a alfabetização financeira de diferentes grupos de indivíduos e nestes, apontar as diferenças de médias existentes entre eles. Para tal, realizou-se uma pesquisa com 2.487 indivíduos, utilizando análise fatorial confirmatória, modelagem de equações estruturais e análise multigrupo, com oito proposições e seis hipóteses de pesquisa que integram o modelo proposto. Os principais resultados demonstraram que a maioria dos pesquisados possui um baixo nível de alfabetização financeira e o modelo para mensuração da mesma apresentou-se invariante apenas para as variáveis gênero, escolaridade e renda própria, confirmando três proposições de pesquisa. Além disso, cinco hipóteses de pesquisa foram confirmadas, constatando-se que o impacto da alfabetização financeira nas compras compulsivas foi o maior entre as relações diretas propostas. Já no que tange aos efeitos totais que a alfabetização financeira possui nos fatores comportamentais, percebe-se que o maior impacto da mesma foi sobre o comportamento de compra compulsiva, seguido do impacto na propensão ao endividamento e, por fim, sobre o materialismo. Tais resultados tornam-se importantes para o desenvolvimento de políticas públicas e de outros agentes interessados no tema, uma vez que a alfabetização financeira vai além do fato de impactar na saúde financeira daqueles que a possuem, mas também pode auxiliar de uma forma mais ampla naqueles que sofrem de outros comportamentos psicossociais, como o comportamento de compras compulsivas. Modelos dessa natureza tornam-se fundamentais para que se entenda a importância e os possíveis impactos da adoção de estratégias nacionais de alfabetização financeira, podendo auxiliar na construção de tratamentos. Demonstrando que o impacto que se imaginava ao estudar apenas a alfabetização financeira na propensão ao endividamento dos indivíduos, se torna ainda mais expressivo quando outros fatores comportamentais estão envolvidos nesta relação.

O ingresso na universidade impõe inúmeros desafios ao estudante e pesquisas indicam que estudantes mais habilidosos socialmente podem ter menor propensão a apresentar problemas de saúde mental, provavelmente por terem maior habilidade para lidar com esses desafios. Nessa interface o desempenho acadêmico dos universitários também ganha destaque na literatura da área. Observa-se uma tendência a identificação de uma relação positiva entre repertório socialmente habilidoso, bom desempenho acadêmico e saúde mental dos universitários, embora poucas pesquisas empíricas embasem tal afirmação Nesse contexto se insere a proposta deste estudo, como desdobramento de um amplo estudo desenvolvido junto a alunos de graduação. Objetiva-se verificar se as habilidades sociais e as condições de saúde mental de estudantes universitários dos anos iniciais da graduação são preditoras do desempenho acadêmico dos mesmos no início e ao final da graduação, bem como verificar as possíveis associações entre as variáveis mencionadas. Propõe-se um delineamento comparativo, correlacional e preditivo e a inclusão da variável desempenho acadêmico dos graduandos, não avaliada no estudo amplo. Foram participantes deste estudo 305 estudantes universitários, de ambos os sexos e de diferentes cursos de graduação da UNESPBauru, que foram avaliados quando cursavam até um semestre anterior ao meio do curso, caracterizando início da graduação. Esses participantes, após os devidos procedimentos éticos, responderam em sala de aula, a um conjunto de instrumentos apresentados em um caderno contendo instruções específicas para cada um deles, a saber: Questionário de Avaliação de Habilidades Sociais, Comportamentos e Contextos para Universitários (QHC universitários), Versão reduzida do Inventário de Fobia Social (Mini SPIN), Inventário de Depressão de Beck (BDI) e Inventário de Habilidades Sociais (IHS Del Prette). E, posteriormente, responderam individualmente a Entrevista Clínica Estruturada para o DSM-IV (SCID) conduzida por telefone. Realizou-se a coleta dos dados sobre o desempenho acadêmico dos universitários, junto à secretaria da universidade, registrando as informações referentes às notas de início do curso e se os participantes concluíram ou não a graduação no tempo especificado pelas grades curriculares dos cursos. Foram selecionadas para o modelo de regressão logística binária para as análises do desempenho acadêmico do início e final da graduação as variáveis que apresentaram nível de significância de p<0,1 nas análises univariadas. As variáveis IHS-autocontrole da agressividade em situações aversivas (F5) e saúde mental foram as variáveis incluídas na análise do início da graduação e se mantiveram como preditoras. Em relação ao final da graduação foram incluídas as variáveis QHC comunicação e afeto, QHC falar em público e apresentar seminários, QHC comunicação e afeto e QHC potencialidades para grupos diferenciados pelos escores de ansiedade, IHS escore total, IHS autoafirmação da expressão de sentimentos negativos, IHS autoexposição a desconhecidos e situações novas, sexo, ano do curso, área e desempenho acadêmico inicial, mantendo-se como preditoras: sexo feminino, estar matriculado em anos mais avançados, por ocasião da avaliação do início do curso, cursar área de humanas e ter desempenho acadêmico inicial na média ou acima da média. Tais dados sugerem desdobramentos para os campos da psicologia, da educação e para as políticas públicas. / Getting into college poses many challenges for students. Research in the field shows that more socially skillful students are less likely to present with mental problems, probably because they have better skills in coping with these challenges. In this aspect academic performance also plays an important role in the field literature. A tendency is seen that points to a positive relationship between good social skills, good academic performance and mental health in university students, although little empiric research bears out this statement. That is the goal of this project, a spin-off of a study carried out among undergraduate students. Our aim is to assess whether mental health and social skills of university students in the first years of an undergraduate course predict their academic performance during and at the end of the course as well as to assess possible associations between the variables under study. We propose a correlational and predictive analysis and the inclusion of the undergraduate students academic performance variable, not assessed in the in-depth study. 305 students of both genders and of different undergraduate courses of UNESP-Bauru were assessed when they were still in a semester before half of the course, which corresponds to the beginning of the undergraduate course. These subjects, after undergoing ethical procedures, answered in the classroom a set of questionnaires shown them in a notebook containing specific instructions for each one of them, which were: Questionnaire on Assessing University Students Behavior and Lifestyles (QAUSBL), reduced version of the Social Phobia Inventory (Mini SPIN), Beck Depression Inventory (BDI) and Social Skills Inventory (SKI - Del Prette). Later they individually answered a structured clinical telephone interview for DSN-IV (SCID). Data concerning students academic performance were collected at the university deans office, including grades at the beginning of the course as well as whether students graduated within the period specified by the school\'s timetable. For the model of binary logistic regression to analyze academic performance at the beginning and end of undergraduate studies, the variables with a significance level of p<0 in univariate analyses were selected. The variables IHC-self-control of aggressiveness in adverse situations (F5) and mental health were the variables included in the analysis at the beginning of undergraduate studies and were kept as predictive. At the end of the course, communication and affection QAUSBL, speaking in public and presenting seminars QAUSBL and potentialities for groups differentiated by anxiety scores QAUSBL, total score SKI, self-affirmation of expressing negative feelings SKI, self-exposal to strangers and new situations, sex, course year, field and initial academic performance SKI. The predictive factors were: feminine sex, being enrolled in higher years during the evaluation that took place at the beginning of the course, attending human science courses and to showing an initial academic performance on average or above average. Such data suggest unfolding into the fields of psychology, education and public policies.