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Showing 291 to 299 of 299 (0.051 seconds)Spelling suggestions: "subject:"bfinancial literacy"" "subject:"bfinancial iteracy""
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Slovní úlohy o penězích ve 2. ročníku ZŠ / Word problems about money in the 2nd year of primary schoolVodrážková, Lucie January 2020 (has links)
The principal objective of this thesis is the comprehension of students' mental processes while solving verbal math problems about money. There searchis focused on pupils in the first stage of primary school and in particular verbal math problems, in which nominal value of coins, quantity of coins and their total particular verbal math problems, in which nominal value of coins, quantity of coins and their total sum play a key role. There fore, the objective of this diploma thesis is to lay out classify mony-related exprecises in thee currently used lies of elementary school mathematics text books for grade. The theoretical part consist of demarcation of early school age, a certain number of fanticipate dacts by RVP ZV for the first and second educational period, numeracy, literacy, verbal math problems, various strategies on how to solve such problems, basic is sues pipils encounter whilw solving those problems, coments on the topic of verbal math problems which appear in theree volume soft text books in tended for primary schools (Prodos, Taktic, H-mat). Their division into three types (a total sum of coins, nominal value of coins and number of coins) and their mutual comparision. The goal of the practial part is to analyse thought processes of and grade pupils when solving word problems about...
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| 292 |
Student Loan Debt and First-Generation Community College StudentsFuentes, Sandra A. 01 January 2022 (has links)
The rising costs of college attendance and changes in financial aid packages leave students with little option other than to incur a debt of some amount. Unfortunately, colleges often fail to provide adequate financial literacy and student loan information so prospective students planning to attend college can make informed decisions. Student loans may seem attractive in the short term because, unlike other loans, repayment does not begin immediately. However, the accrual of student loan debt leads to long-term financial consequences, including the opportunity to build economic wealth after graduation. Utilizing a basic qualitative research design, I explored first-generation community college students’ experiences with financial aid, financial literacy, and the challenges and individual circumstances of using student loans to fund expenses related to their postsecondary enrollment. A human capital framework supported students informed financial decision-making experiences to effectively persist confidently in pursuing their educational goals. Collectively, students’ detailed statements provided a powerful voice for first-generation students accessing financial resources at the community college. The six themes included (a) Student-Centered, (b) Understanding Consequences of Student Loans, (c) Development of Financial Aid Literacy, (d) Student-Connection, (e) Simplifying Financial Aid Access for Students, and (f) Support From Campus-Based Programs. Findings provide helpful insights for community college practitioners and financial aid administrators.
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| 293 |
Om jag hjälper andra, kan jag hjälpa mig själv? : En kvalitativ studie om finansiella rådgivares privata investeringsbeslut och sparande under 2022 / If I can help others, can I help myself? : A qualitative study about financial advisors' private investment decisions and savings during 2022Fagerström, Milla, Kempe, Hanna January 2023 (has links)
Bakgrund: År 2022 kantades av Rysslands invasion av Ukraina, börsnedgång, stigande inflation och styrräntor. Det bidrog till att allt fler sökte hjälp av finansiella rådgivare för att utifrån livssituationen få hjälp med att nå sina sparmål och maximera sin avkastning. I tidigare forskning råder det delade meningar kring om den finansiella rådgivaren faktiskt bidrar till positiva ekonomiska utfall hos kunden. Å andra sidan får den finansiella rådgivaren, åtminstone privat, kunskap till sig via sitt arbete som torde leda till en hög finansiell bildning. Huruvida det faktiskt bidrar till positiva ekonomiska utfall i den finansiella rådgivarens egna investeringsbeslut och sparande under 2022 leder således till frågan, om de kan hjälpa andra, kan de även hjälpa sig själva? Syfte: Studien syftar till att skapa en förståelse för hur finansiella rådgivares privata sparande och investeringsbeslut samvarierar med olika faktorer såsom livssituation, psykologiska bias och erfarenheter under 2022. Vidare ämnar studien utforska hur finansiella rådgivare ställer sig till ytterligare utbildning inom beteendeekonomi och huruvida de tror att det kan bidra till bättre finansiellt beslutsfattande. Metod: En kvalitativ metod har använts för att uppfylla studiens syfte. Tio finansiella rådgivare intervjuades genom semistrukturerade djupintervjuer. Slutsats: Studien finner att placering i livscykeln, psykologiska bias samt erfarenhet samvarierar med den finansiella rådgivarens privata investeringsbeslut och sparande under 2022. Placeringen i livscykeln samvarierar främst med riskaversionen, därutöver har de finansiella rådgivarna inte kunnat motstå fall av samtliga undersökta bias i studien. Erfarenheten samvarierar med en minskad benägenhet att falla offer för vissa psykologiska bias, förutom överkonfidens, där effekten snarare är den motsatta. Vidare anser de finansiella rådgivarna att ytterligare utbildning inom beteendeekonomi inte skulle vara värdeskapande för deras privata investeringsbeslut, samtidigt som de anser sig ha behov av det i sitt arbete. / Background: The year 2022 was characterized by the invasion of Ukraine, the downturn of the stock market, rising inflation and increases in the benchmark interest rate. This led to the increasing search for financial advisors who, using life circumstances, could assist the individual in reaching personal saving goals and maximizing returns on investments. In prior research, there are divided opinions about whether financial advisors contribute to positive financial outcomes for the client. The financial advisors, at least privately, gain knowledge through their work which should lead to a high level of financial literacy. Whether it contributes to positive financial outcomes in the financial advisor's own investment decisions and savings in 2022 thus leads to the question, if they can help others, can they also help themselves? Aim: The study aims to create an understanding of how financial advisers' private investments decisions and savings in 2022 have been affected by various factors such as life situation, psychological bias, and experiences. Furthermore, the study intends to explore financial advisers' perception of how further education in behavioral economics could have contributed to better financial decision-making. Method: A qualitative method has been used to fulfill the purpose of the study. Ten financial advisors were interviewed through semi-structured in-depth interviews. Conclusion: The study finds that placement in the life cycle, psychological bias, and experience had an impact on financial advisors’ private investment decisions and savings during 2022. The placement in the lifecycle primarily influences the risk aversion, while the financial advisors have not been able to withstand cases of all investigated biases in the study. Experience has contributed to mitigating the impact of psychological biases to some extent while also creating overconfidence. The financial advisors believe that additional education in behavioral economics would not add value to their private investment decisions, while they consider themselves to need it in their work.
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| 294 |
Teachers’ Perceptions Regarding Financial Literacy in Kindergarten Through Grade 2Gold, Lindsay A. 19 September 2016 (has links)
No description available.
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| 295 |
Three essays on accounting standard setting, corporate governance and investor behaviorWitzky, Marcus 18 November 2015 (has links)
Die vorliegende kumulative Doktorarbeit umfasst drei Arbeiten aus dem Bereich der empirischen Rechnungslegungsforschung. Die erste Arbeit untersucht die Rolle persönlicher Eigenschaften von Rechnungslegungsstandardsetzern bei der Entwicklung der Internationalen Rechnungslegungsstandards IFRS. Sie dokumentiert, dass in den IFRS insgesamt ein Rückgang der Bedeutung von Prinzipien gegenüber Regeln sowie ein Anstieg der Bedeutung des beizulegenden Zeitwerts im Zeitablauf zu verzeichnen sind. Zwischen Änderungen von IFRS-Eigenschaften sowie beruflichen und kulturellen Eigenschaften von Mitgliedern des International Accounting Standards Board (IASB) wird ein Zusammenhang festgestellt. Die zweite Arbeit widmet sich Ursachen und Folgen fehlerhafter Finanzberichterstattung im Rahmen des deutschen Systems der Durchsetzung von Rechnungslegungsregeln. Sie findet systematische Unterschiede in der Unternehmensführung von Unternehmen, bei denen fehlerhafte Finanzberichte festgestellt werden, gegenüber einer Kontrollgruppe. Weitere Ergebnisse lassen die Vermutung zu, dass die Aufdeckung fehlerhafter Finanzberichte Verbesserungen in der unternehmensspezifischen Aufsicht über den Rechnungslegungsprozess auslösen könnte. Die dritte Arbeit nutzt umfangreiche Befragungsergebnisse deutscher Privatanleger zur Untersuchung der Ursachen ihres Unternehmensüberwachungsverhaltens. Demnach üben Anleger, die ein geringeres Vertrauen in andere Anspruchsgruppen eines Unternehmens haben, zugleich eine geringere Unternehmensüberwachung aus. Darüber hinaus dokumentiert die Arbeit, dass Vertrauen und Unternehmensüberwachung in einem Zusammenhang mit dem Ausmaß der Teilnahme am Aktienmarkt und dem Bildungshintergrund der Anleger stehen. / This cumulative doctoral thesis consists of three papers within the field of empirical financial accounting research. The first paper examines the role of personal characteristics of accounting standard setters in the development of the International Financial Reporting Standards (IFRS). It documents that the full set of IFRS exhibited a decrease in the importance of principles relative to rules and an increase in its fair value orientation over time. Changes in IFRS properties are found to be associated with the professional and cultural background of International Accounting Standards Board (IASB) members. The second paper investigates determinants and consequences of erroneous financial reporting under the German financial reporting enforcement regime. The corporate governance of firms detected with erroneous financial reporting is found to differ systematically from that of control firms. Further results suggest that error detection might trigger improvements in firm-level accounting oversight. The third paper uses large-scale survey evidence from German individual investors to explore the determinants of their monitoring behavior. Investors who are less trusting in their fellow stakeholders are found to engage in less monitoring. Furthermore, trust and monitoring are documented to be associated with the stock market exposure and the educational background of investors.
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| 296 |
An analysis of financial literacy in the target market of a state–owned bank / Peterson D.D.Peterson, Denis Desmond. January 2011 (has links)
The South African Postbank Limited has been tasked by Government with a social mandate to provide basic financial services to people receiving low income and people living in rural areas. Personal financial literacy is an essential element which affects financial inclusion in the target market of a state–owned bank. To achieve the bank?s social mandate and its objective, it would be vital to determine whether people in low income and rural demographics are financially literate. Financial literacy is defined as the ability to manage your money on a day–to–day basis, do future financial planning, choose sound financial products and have appropriate financial knowledge and understanding. Various factors influence the level of financial literacy of a person and in order to improve the financial literacy of a person, cognisance should be taken of that person?s age, gender, living conditions, income–level and socio–economic elements. It will be beneficial for a state–owned bank, in order to reach its social mandate, to implement financial educational programmes to increase financial literacy. The latter will increase the amount of potential customers and thus promote financial inclusion in the long run. The sample in low income and rural areas has been found to be the most wanting in financial literacy and therefore it is crucial to address this shortcoming in the target market of the state–owned bank in order to reach the social mandate of financial inclusion. / Thesis (M.B.A.)--North-West University, Potchefstroom Campus, 2012.
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| 297 |
An analysis of financial literacy in the target market of a state–owned bank / Peterson D.D.Peterson, Denis Desmond. January 2011 (has links)
The South African Postbank Limited has been tasked by Government with a social mandate to provide basic financial services to people receiving low income and people living in rural areas. Personal financial literacy is an essential element which affects financial inclusion in the target market of a state–owned bank. To achieve the bank?s social mandate and its objective, it would be vital to determine whether people in low income and rural demographics are financially literate. Financial literacy is defined as the ability to manage your money on a day–to–day basis, do future financial planning, choose sound financial products and have appropriate financial knowledge and understanding. Various factors influence the level of financial literacy of a person and in order to improve the financial literacy of a person, cognisance should be taken of that person?s age, gender, living conditions, income–level and socio–economic elements. It will be beneficial for a state–owned bank, in order to reach its social mandate, to implement financial educational programmes to increase financial literacy. The latter will increase the amount of potential customers and thus promote financial inclusion in the long run. The sample in low income and rural areas has been found to be the most wanting in financial literacy and therefore it is crucial to address this shortcoming in the target market of the state–owned bank in order to reach the social mandate of financial inclusion. / Thesis (M.B.A.)--North-West University, Potchefstroom Campus, 2012.
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| 298 |
Legal and regulatory aspects of mobile financial servicesPerlman, Leon Joseph 11 1900 (has links)
The thesis deals with the emergence of bank and non-bank entities that provide a range of unique
transaction-based payment services broadly called Mobile Financial Services (MFS) to unbanked,
underserved and underbanked persons via mobile phones.
Models of MFS from Mobile Network Operators (MNOs), banks, combinations of MNOs and banks, and
independent Mobile Financial Services Providers are covered. Provision by non-banks of ‘bank-type’
services via mobile phones has been termed ‘transformational banking’ versus the ‘additive banking’
services from banks. All involve the concept of ‘branchless banking’ whereby ‘cash-in/cash out’ services
are provided through ‘agents.’
Funds for MFS payments may available through a Stored Value Product (SVP), particularly through a
Stored Value Account SVP variant offered by MNOs where value is stored as a redeemable fiat- or mobile
‘airtime’-based Store of Value.
The competitive, legal, technical and regulatory nature of non-bank versus bank MFS models is discussed,
in particular the impact of banking, payments, money laundering, telecommunications, e-commerce and
consumer protection laws. Whether funding mechanisms for SVPs may amount to deposit-taking such that
entities could be engaged in the ‘business of banking’ is discussed. The continued use of ‘deposit’ as the
traditional trigger for the ‘business of banking’ is investigated, alongside whether transaction and paymentcentric
MFS rises to the ‘business of banking.’
An extensive evaluation of ‘money’ based on the Orthodox and Claim School economic theories is
undertaken in relation to SVPs used in MFS, their legal associations and import, and whether they may be
deemed ‘money’ in law.
Consumer protection for MFS and payments generally through current statute, contract, and payment law
and common law condictiones are found to be wanting. Possible regulatory arbitrage in relation to MFS in
South African law is discussed.
The legal and regulatory regimes in the European Union, Kenya and the United States of America are
compared with South Africa. The need for a coordinated payments-specific law that has consumer
protections, enables proportional risk-based licensing of new non-bank providers of MFS, and allows for a
regulator for retail payments is recommended. The use of trust companies and trust accounts is
recommended for protection of user funds.
| vi / Public, Constitutional and International Law / LLD
|
| 299 |
Legal and regulatory aspects of mobile financial servicesPerlman, Leon Joseph 11 1900 (has links)
The thesis deals with the emergence of bank and non-bank entities that provide a range of unique
transaction-based payment services broadly called Mobile Financial Services (MFS) to unbanked,
underserved and underbanked persons via mobile phones.
Models of MFS from Mobile Network Operators (MNOs), banks, combinations of MNOs and banks, and
independent Mobile Financial Services Providers are covered. Provision by non-banks of ‘bank-type’
services via mobile phones has been termed ‘transformational banking’ versus the ‘additive banking’
services from banks. All involve the concept of ‘branchless banking’ whereby ‘cash-in/cash out’ services
are provided through ‘agents.’
Funds for MFS payments may available through a Stored Value Product (SVP), particularly through a
Stored Value Account SVP variant offered by MNOs where value is stored as a redeemable fiat- or mobile
‘airtime’-based Store of Value.
The competitive, legal, technical and regulatory nature of non-bank versus bank MFS models is discussed,
in particular the impact of banking, payments, money laundering, telecommunications, e-commerce and
consumer protection laws. Whether funding mechanisms for SVPs may amount to deposit-taking such that
entities could be engaged in the ‘business of banking’ is discussed. The continued use of ‘deposit’ as the
traditional trigger for the ‘business of banking’ is investigated, alongside whether transaction and paymentcentric
MFS rises to the ‘business of banking.’
An extensive evaluation of ‘money’ based on the Orthodox and Claim School economic theories is
undertaken in relation to SVPs used in MFS, their legal associations and import, and whether they may be
deemed ‘money’ in law.
Consumer protection for MFS and payments generally through current statute, contract, and payment law
and common law condictiones are found to be wanting. Possible regulatory arbitrage in relation to MFS in
South African law is discussed.
The legal and regulatory regimes in the European Union, Kenya and the United States of America are
compared with South Africa. The need for a coordinated payments-specific law that has consumer
protections, enables proportional risk-based licensing of new non-bank providers of MFS, and allows for a
regulator for retail payments is recommended. The use of trust companies and trust accounts is
recommended for protection of user funds.
| vi / Public, Constitutional and International Law / LL. D.
|
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