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The relationship between financial efficacy, satisfaction with remuneration and personal financial well-being / Wilmie VoslooVosloo, Wilmie January 2014 (has links)
Financial stress is a condition that is becoming more prevalent in today’s society.
Factors such as high debt levels, low savings and economic recessions all contribute
to the financial stress experienced by people across all nations. Research has found
that financial stress negatively affects employees’ performance at work. Quality
employees play a vital role in the success of a business. As a result, employers
should strive to ensure employees’ well-being. With these increasing pressures on
personal finance and its interference on work, should management attempt to
improve employees’ financial well-being? Management needs to be convinced that
their actions can improve their employees’ financial well-being. This study
established and measured the relationship that the subjective measures financial
efficacy and satisfaction with remuneration have on personal financial well-being. A
sample size of 9 057 employees from different sectors in South Africa was used.
Data was analysed using Pearson correlation coefficients and multiple regression
analysis. Three hypotheses were tested. Hypothesis 1: There is a relationship
between satisfaction with remuneration and personal financial well-being.
Hypothesis 2: There is a relationship between personal financial well-being and
personal financial efficacy. Hypothesis 3: Personal financial efficacy moderates the
relationship between satisfaction with remuneration and personal financial wellbeing.
The study found that all three hypotheses were supported. Personal financial
efficacy and satisfaction with remuneration were found to have a large positive
relationship with personal financial well-being. The study also established that the
relationship between satisfaction with remuneration and financial well-being was
stronger in people with higher personal financial efficacy. It is argued that
management can intervene with employees’ financial well-being by improving
financial efficacy through financial literacy education and by improving their
satisfaction with remuneration. / MCom (Management Accountancy), North-West University, Potchefstroom Campus, 2014
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Důchodové reformy a jejich vliv na rodinný rozpočet / Pension reforms and their impact on family budgetLohonka, Petr January 2010 (has links)
This thesis focuses on the possible options for pension reform in the Czech Republic and their impact on family budgets, both in terms of payments in the economically active age, and then from the amount of pension at retirement age. In the theoretical (methodological) part are several possible scenarios of pension reform chosen from proposals to the Czech Republic and from the pension systems applied abroad too. There are described the main pillars and main differences between them and of course the difference from the current state of pension system in the Czech Republic. The entire chapter is devoted to the current state of pension system, because it is the starting point for each of the reforms. After describing all options of pension reforms in the theoretical (methodological) part, we focus on the practical part. There are described several model participants and for each participant are calculated present payments and future revenues, which depends on the variant of the reform. According to this testing we search for such a pension reform, that would be the best across social and income groups. At the end is this testing evaluated and the results of the entire work interpreted.
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Ensamhet bland äldre: en 10-årig jämförelse / Loneliness among old adults: a 10 year comparisonÅström, Veronica January 2019 (has links)
Problemområde och syfte: Åldrandet kan innebära såväl fysiska som psykiska utmaningar för den enskilde. Kroppen och tillvaron förändras och möjligheterna att delta i sociala nätverk som man gjort tidigare kan begränsas. Många upplever ensamhet vilket i tidigare forskning har visat sig få konsekvenser för såväl välbefinnande som fysisk och psykisk hälsa. Denna studie fokuserar på några av de faktorer som hänger samman med åldrandets livsvillkor; social aktivitet, socialt stöd, ekonomi samt rörelseförmåga och hur dessa kan sättas i samband med upplevelser av ensamhet hos äldre. I en tioårig jämförelse undersöks: (a) hur äldres sociala aktiviteter, socialt stöd, ekonomi och rörelseförmåga förändras över tid, (b) hur upplevelsen av ensamhet hos äldre förändras över tid och (c) hur förändringar gällande social aktivitet, socialt stöd, ekonomi och rörelseförmåga under denna tid påverkar upplevelsen av ensamhet. Material: Data från insamlingstillfällena 2004 och 2014 i den nationellt representativa Swedish Panel Study of Living Conditions of the Oldest Old (SWEOLD), en longitudinell undersökning utifrån urvalet i den svenska levnadsnivåundersökningen (LNU) användes (n = 466). Metod: Samband mellan ensamhet 2004 och 2014 och social aktivitet, socialt stöd, ekonomi samt rörelseförmåga undersöktes i bivariata analyser och logistiska regressioner. Samband mellan ensamhet 2014 och förändringar under 2004-2014 gällande social aktivitet, socialt stöd, ekonomi samt rörelseförmåga undersöktes i logistisk regression. Resultat: Socialt stöd, ekonomisk buffert och rörelseförmåga kunde associeras till känslor av ensamhet 2004 men endast socialt stöd kvarstod som signifikant associerat till ensamhet då man kontrollerat för kön, ålder och ensamboende. Social aktivitet, socialt stöd och rörelseförmåga kunde associeras till känslor av ensamhet 2014, sambanden kvarstod efter att ja kontrollerat för nämnda bakomliggande faktorer. Social aktivitet och rörelseförmåga minskade betydande under den undersökta tioårsperioden, men endast minskning i rörelseförmåga kunde tydligt associeras till ensamhet. Resultaten analyseras utifrån ett kapabilitetsteoretiskt perspektiv. Slutsatser: Att ha nära stödjande relationer, delta i social aktivitet och inte hämmas av fysisk funktionsnedsättning är viktiga aspekter för att undvika ensamhet. Studien framhåller vikten av det sociala arbetet och samhällets ansvar att möta upp med förmågor när den enskildes inre förmågor avtar, för att på så sätt bidra med möjligheter för den anskilde att leva ett värdigt och värdefullt liv. / Objectives: Aging process may include both physical and mental challenges for the individual. Body and life go through changes and limit the opportunities to participate in social networks in same extent as before. Many elderly experience loneliness, which in previous studies has been shown to have consequences for well-being as for physical and mental health. The objective of this study was to examine some of the factors associated with living conditions in old age (+70); social activity, social support, economy as well as mobility problems and how these can be associated with experiences of loneliness among the elderly. Examined in present ten year comparison is: (a) how the extent of social activities, social support, economy and mobility change over time, (b) how the experience of loneliness in old age change over time and (c) how changes in social activity, social support, economy and mobility during this ten year period affects the experience of loneliness. Material: Data from the 2004 and 2014 waves of the nationally representative Swedish Panel Study of Living Conditions of the Oldest Old (SWEOLD), a longitudinal study and database based on the sample of the Swedish level of living survey (LNU) was used (n = 466). Methods: Correlation between 2004 and 2014 loneliness and social activity, social support, economy and mobility was investigated in bivariate analyses and logistic regressions. Relation between loneliness 2014 and changes during 2004-2014 in social activity, social support, economy and mobility were investigated in logistic regression. Results: Social activity, social support and mobility problems were associated with feelings of loneliness in both 2004 and 2014. Social support and mobility were associated with loneliness 2004 but only social support remained significant associated with loneliness when adjusting for gender, age and living alone. Social activity, social support and mobility were significantly associated with loneliness 2014 even when adjusting for gender, age and living alone. Social activity and mobility decreased during the ten year period but only decrease in mobility was significantly associated with loneliness. The results were analyzed in the light of the capability theory. Conclusions: Supportive relationships, participation in social activity and not be hampered by physical disabilities are important aspects to avoid loneliness. The study stresses the importance of the social work and society's responsibility to meet up with capabilities when the individual's own capabilities are declining to provide opportunities to live a dignified and valuable life.
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O que determina o comportamento financeiro do brasileiro: razão ou emoção?Barros, Carlos Augusto Silva 31 May 2010 (has links)
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Previous issue date: 2010-05-31 / The dissertation investigates Brazilian financial behavior and what determines it: reason or emotion? A survey based on Behavior Finance fundaments was applied to 641 Brazilians segmented by gender, age, income and scholarship. The survey evaluates in each group the presence of heuristics and bias such as, for instance, overconfidence, representativeness, adjustment to anchor and procrastination. The presence of emotion as an essential factor in order to analyze the financial behavior is in opposition to the Efficient Market Hypothesis (EMH), dominant theory in Finance until the economic crisis that was initiated in 2008. The EMH propositions are very useful, but excessively simplified to reflect all economic live. On the other side human behavior is ruled by our very complex brain. The caricatured Homo Economicus looks like designated to disappear. This paper central hypothesis is that human beings can take irrational financial decisions, based on emotions that are, apparently, much more than market anomalies . Emotions has ever been treated as relevant on financial behavior field by financial market operators, but recently a growing number of scientific articles in Business Administration, Economics and Psychology also indicates that fact. Survey‟s result shows that reason and emotion influences Brazilians financial behavior. As was expected the paper indicates significant differences according to gender, age, scholarship and income / A dissertação investiga o comportamento financeiro do brasileiro e os fatores que o determinam: razão ou emoção? Uma pesquisa baseada em fundamentos de Finanças Comportamentais foi aplicada a 641 brasileiros segmentados por gênero, idade, renda e escolaridade. Na pesquisa é avaliada em cada grupo a presença de heurísticas e vises como, por exemplo, excesso de confiança, representatividade, ancoragem e procrastinação. A presença da emoção como fator essencial para analisar o comportamento financeiro se contrapõe à Hipótese dos Mercados Eficientes (HME), pensamento dominante em Finanças até a crise econômica iniciada em 2008. As proposições da HME são modelos úteis, porém excessivamente simplificados para refletir toda a movimentação econômica. Por outro lado o comportamento humano é regido pelo nosso cérebro que é bastante complexo. Assim o caricato Homo Economicus parece destinado a sair de cena. A hipótese central deste trabalho é a de que os seres humanos podem tomar decisões financeiras irracionais, baseadas na emoção e que são, aparentemente, muito mais do que simples anomalias dos mercados. As emoções sempre foram tratadas como relevantes no âmbito do comportamento financeiro por operadores do mercado, porém recentemente um número cada vez maior de pesquisas científicas em Administração, Economia e Psicologia também indicam o fato. Os resultados da pesquisa mostram que tanto razão quanto emoção influenciam o comportamento financeiro do brasileiro. Como se esperava, o estudo indica diferenças significativas no comportamento de acordo com o gênero, idade, escolaridade e renda
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Financial Literacy Showcase – ETSU Gatton College of Pharmacy Personal Finance for Future Pharmacists CourseHagemeier, Nicholas E., Cross, Leonard B. 29 July 2013 (has links)
This session will feature the best financial literacy solutions in higher education, straight from the mouths of the college administrators who have implemented the programs! By the end of this presentation, you will be an expert in the various solutions that are available, as well as having a good idea of what will work best for your institution. In this session, you will find out: (1) How the college decided on its financial literacy program, (2) How each school is integrating the resources, (3) What practices have been the most successful.
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Análise empírica sobre os determinantes do investimento de pessoa físicasGomes, Cristiano Estrada 09 February 2017 (has links)
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Previous issue date: 2017-02-09 / When dealing with the behavior of individual investors, there a is common sense, provided by previous literatures, according to which individuals of lower purchasing power or education make worse investment decisions when compared to other groups in Brazilian society. The survey Pesquisa de Orçamentos Familiares (POF), conducted by Instituto Brasileiro de Geografia e Estatística (IBGE) in the period between 2008 and 2009, asks to its respondents, in addition to several other economic and behavioral characteristics, their investments and redemptions in categories such as: stocks, savings (known in Brazil as poupança), foreign currencies, etc. Therefore, in order to discuss this perception, this work proposes an empirical analysis of the determinants of individual investments, using econometric concepts applied to the databases generated by IBGE as a strategy. Findings indicate strong evidence of the relationship between income and education and individual’s investment decisions, leading to a discussion about the impacts that these decisions have on income concentration and the increasing social inequality. / Ao tratar do comportamento de investidores individuais, há o senso comum, provido por literaturas anteriores, de que indivíduos de menor poder aquisitivo ou menor grau de educação apresentam piores decisões de investimento quando comparados aos demais grupos da sociedade brasileira. A Pesquisa de Orçamentos Familiares (POF), desenvolvida pelo Instituto Brasileiro de Geografia e Estatística (IBGE) no período entre 2008 e 2009, questiona aos seus pesquisados, além de outras várias características econômicas e comportamentais, quais foram seus aportes e resgates em categorias de investimento como: ações, Certificado de Depósito Bancário (CDB), poupança, moedas estrangeiras etc. Sendo assim, com a finalidade de discutir essa percepção, o presente trabalho propõe a análise empírica dos determinantes do investimento de pessoas físicas, utilizando como estratégia a aplicação de conceitos econométricos às bases de dados geradas pelo IBGE. Os resultados obtidos indicam fortes evidências do relacionamento da renda e educação com as decisões de investimento observadas, levando à discussão sobre os impactos que esses efeitos comportamentais ocasionam na concentração de renda e no aumento da desigualdade social.
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MODELO DE PLANEJAMENTO FINANCEIRO INTEGRADO AO PLANEJAMENTO ESTRATÉGICO PESSOAL / PERSONAL HEALTH STRATEGIC PLANNING AS HOLDER FOR THE INDIVIDUAL PLANNINGSchimith, Cristiano Descovi 21 February 2013 (has links)
Coordenação de Aperfeiçoamento de Pessoal de Nível Superior / Personal financial planning is a field of study that has been highlighted in
recent times, especially when observed some periods of economic and financial
uncertainty involving the global market, and that end directly impacts in life of
people's. The main objective of this study is to propose a model of Personal Financial
Planning. As for nature research is qualitative, exploratory and descriptive, making
use of literature review to describe a model of organizational Strategic Planning, and
Personal Strategic Planning, which served as the basis for structuring the proposed
model. The conceptual basis is constructed through an analysis and description of
the methodologies used by authors who are references in the financial field. The
proposed model is composed of three stages: assessment, formulation and
implementation. The stages consist of five steps interconnected through of feedback,
and are subdivided into financial diagnostic, financial goals, internal aspects, external
and actions. As a result of the study is presented the proposed model, has the
potential to serve as support would improve the financial performance of individuals
and can also serve as a tool to support professional consulting and financial
coaching. / Planejamento financeiro pessoal é um campo de estudo que vem se
destacando, nos últimos tempos, principalmente, quando observados alguns
períodos de incertezas econômicas e financeiras que envolvem o mercado global, e
que acabam impactando diretamente no cotidiano das pessoas. Neste estudo, o
objetivo principal é propor um Modelo de Planejamento Financeiro Pessoal. Quanto
a sua natureza a pesquisa é qualitativa, de abordagem exploratória e descritiva,
fazendo uso da pesquisa bibliográfica para descrever um modelo de planejamento
Estratégico organizacional, e um Planejamento Estratégico pessoal, que serviram de
base para a estruturação do modelo proposto, que é composto por de três etapas:
Avaliação, formulação e implementação. Por sua vez estas etapas são divididas em
cinco fases que interligadas por meio da retroalimentação denominam-se em:
diagnóstico financeiro, objetivos financeiros, aspectos internos, aspectos externos e
ações. No resultado do estudo é apresentado o modelo proposto, que possui
potencial para servir como suporte de melhoria no desempenho financeiro dos
indivíduos e também poderá servir como uma ferramenta de apoio aos profissionais
de consultoria e coaching financeiros.
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Finanční gramotnost české populace / Financial literacy of the Czech populationAubrechtová, Kamila January 2016 (has links)
Anotation Topic of the master thesis is Financial literacy of the Czech population. The thesis puts focus on population in their early adulthood (age from 18 to 30 years) and is divided into 5 chapters. 1st chapter defines literacy, functional literacy and financial literacy. 2nd chapter describes main reasons and factors affecting financial literacy and pathological events as a possible consequence of low level of the financial literacy. 3nd chapter focuses on customer protection and shows particular options how to increase level of customer protection in an area of personal finance. 4th chapter clarifies financial terms important for proper understanding of realized survey described in 5th chapter of the thesis. The main goal of the survey as well as the thesis is to find out current level of financial literacy of the Czech population in their early adulthood (age from 18 to 30 years). Partial goals of the thesis are identification and description of groups achieving worse results in financial literacy test within the population, and description of negative effects to individual's behavior in the area of personal finance related to lower level of financial literacy.
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Visualizing Financial FuturesHeyman, Susanna January 2017 (has links)
Research on financial decision aids, systems designed to help people make financial decisions, is sparse. Previous research has often focused on the theoretical soundness of the advice that the systems provide.The original contribution of this doctoral thesis is a set of empirical studies of how non-expert people understand the advice provided by financial decision aids. Since every piece of advice must be interpreted by a receiver, the accuracy of the advice can be corrupted along the way if the receiver does not understand complicated terminology, probabilistic reasoning, or abstract concepts.The design concept resulting from the studies visualizes a unique combination of short-term and long-term variables that are usually treated as separate and not interacting with each other; loans and amortizations, insurance, retirement saving, and consumption. The aim is to visualize the consequences of different decisions and possible adverse events in terms of their effect on the user’s future consumption, rather than abstract numbers detached from the user’s lived experience.The design concept was tested and evaluated by personal finance experts and professional financial advisors, as well as students and people without financial education, who represented the target users of the system. Results indicate that the system has a learning curve, but that once users understand how to read the graph, they find it more informative than conventional financial planning tools. / <p>QC 20170809</p>
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Posouzení finanční efektivnosti koupě vlastního bytu jako možných alternativ řešení bydlení / An assessment of the financial effectiveness in purchase of own flat as possible alternatives of housingAdámek, Pavel January 2015 (has links)
The aim of this thesis is the first part to gather theoretical and methodological knowledge about sources of funding in their own home and family planning personal finances. In the second part are then used to build the knowledge model situations three types of funding for each property separately. Produced models are primarily based on a comparison of the total financial cost and burden on the family budget. Consequently, the aim of using these evaluation and based on other findings in the final stage to propose recommendations that option purchase their own property will be best for the family.
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