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1	Predictive effect of the relationship between debt-instruments and the usage of savings of tools by consumers Risenga, Arthur 10 1900 (has links) This study seeks to show that a higher usage of debt instruments by consumers with limited available funds leads to the usage of savings tools to finance debt costs, which subsequently results in lower levels of savings. This was espoused by the literature on PFM and also proven by the test results from the research hypotheses that were computed by means of a logistic regression. The test results showed that there is a statistically significant relationship between the usage of debt instruments and the usage of savings tools. An emphasis is placed on the importance of savings as an integral component of the PFM concept: it is namely seen to be indispensable to good financial planning to ensure current and future consumer financial security. Therefore, this study concludes by highlighting the importance of consumers’ financial- management skills in minimising debt costs to increase levels of savings by controlling higher consumption expenditure through debt. / Business Management / M. Com. (Business management) Debts instruments Savings tools Personal financial management Financial planning Financial security Financial wellness 332.7 Finance, Personal Consumer credit Financial security
2	Predictive effect of the relationship between debt-instruments and the usage of savings tools by consumers Risenga, Arthur 11 1900 (has links) This study seeks to show that a higher usage of debt instruments by consumers with limited available funds leads to the usage of savings tools to finance debt costs, which subsequently results in lower levels of savings. This was espoused by the literature on PFM and also proven by the test results from the research hypotheses that were computed by means of a logistic regression. The test results showed that there is a statistically significant relationship between the usage of debt instruments and the usage of savings tools. An emphasis is placed on the importance of savings as an integral component of the PFM concept: it is namely seen to be indispensable to good financial planning to ensure current and future consumer financial security. Therefore, this study concludes by highlighting the importance of consumers’ financial- management skills in minimising debt costs to increase levels of savings by controlling higher consumption expenditure through debt. / Business Management / M. Com. (Business management) Debts instruments Savings tools Personal financial management Financial planning Financial security Financial wellness Research hypothesis Significant relationship Logistic regression Consumers 332.7 Finance, Personal Consumer credit Financial security

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Predictive effect of the relationship between debt-instruments and the usage of savings of tools by consumers

Predictive effect of the relationship between debt-instruments and the usage of savings tools by consumers