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Finance and Financial Management Commons™
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Full-Text Articles in Finance and Financial Management
Financial Self-Efficacy Among Puerto Rican Women In The United States: An Ethnographic Action-Based Research Study, Melinda Jimenez Perez
Financial Self-Efficacy Among Puerto Rican Women In The United States: An Ethnographic Action-Based Research Study, Melinda Jimenez Perez
Theses & Dissertations
The purpose of this ethnographic action research study was to better understand the financial self-efficacy of Puerto Rican women in the United States. There is a gap in the literature in identifying the relationship between middle-class Puerto Rican women and financial literacy. In a pilot study, four major findings emerged from the survey about Puerto Rican women and their relationship with finances: (a) as children, mothers taught them to save, and as adults, they rely on the male figures in their families; (b) the traditional education systems did not provide financial education; (c) the childhood culture of poverty and scarcity …
Student Loan Debt And First-Generation Community College Students, Sandra A. Fuentes
Student Loan Debt And First-Generation Community College Students, Sandra A. Fuentes
University of the Pacific Theses and Dissertations
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 …
Parents’ Perceptions Of Financial Technology To Support Financial Socialization And Literacy Levels, Patricia M. Page
Parents’ Perceptions Of Financial Technology To Support Financial Socialization And Literacy Levels, Patricia M. Page
Walden Dissertations and Doctoral Studies
The current generation of emerging adults are ill-equipped to navigate the evolving financial landscape, which can further exacerbate socioeconomic inequality. Extant research rooted in Gudmunson and Danes’ family financial socialization theory and Brown et al.’s situated cognition theory, which served as the conceptual framework for this study, acknowledged the long-standing influence of parents and authentic learning opportunities on child(ren)’s financial literacy and well-being. This study’s research questions explored parents’ experience with, and perceptions of, a family-managed virtual bank and prepaid debit card service designed for children ages Pre-K through college. The basic qualitative approach and semistructured interviews provided context to …
Applying Online Educational Technology To Foster Financial Literacy: Financial-Institution Leaders’ Insights, Hazel W. Lee Ed.D
Applying Online Educational Technology To Foster Financial Literacy: Financial-Institution Leaders’ Insights, Hazel W. Lee Ed.D
The Qualitative Report
Financial literacy deficiency is a prevailing problem in United States raising the need for effective financial education. Financial-institution leaders can play a crucial role in promoting financial literacy with their practical experience and expertise. This article sheds new light on the application of online technology to promote financial literacy by exploring the perceptions of financial-institution leaders. Supported by Dewey’s pragmatic constructivist paradigm and the PEST conceptual framework, a qualitative inquiry research through in-depth telephone interviews with 20 leaders from banks and credit unions in Texas was conducted. The findings revealed some common ways to provide online financial literacy education, including …
An Investigation Of Personal Financial Literacy Education, James R. Penner, Joshua D. Spizman
An Investigation Of Personal Financial Literacy Education, James R. Penner, Joshua D. Spizman
Honors Thesis
A lack of financial literacy for many people in the United States is a prominent problem that has largely gone unaddressed, but one that can have devastating results. Currently, 43% of student loan borrowers are not making payments and 33% of American adults have $0 saved for retirement (Pascarella 2-4). These alarming statistics amid a strong economic environment highlight the negative affects a lack of financial literacy can have. Higher education at LMU is geared towards providing students an education of the whole person to enable them to become better people. This research investigates whether or not LMU prepares students …
A Case Study Of Financial Literacy And Debt Of Immigrants In Lloydminster, Canada, Oludamola Olalere Durodola
A Case Study Of Financial Literacy And Debt Of Immigrants In Lloydminster, Canada, Oludamola Olalere Durodola
Walden Dissertations and Doctoral Studies
The high debt-to-income ratios and the low financial literacy levels among Canadian immigrants are hindering public welfare, macroeconomic policies, and economic growth. The purpose of this qualitative exploratory case study was to explore why immigrants to Lloydminster, Canada possess high debt-to-income ratios in their financial portfolios by examining pertinent themes and patterns between their debt profiles and their financial literacy levels. The life cycle hypothesis, rational choice theory, and bounded rationality theory grounded the study. Data collection from the purposeful sample included semistructured face-to-face interviews with 13 adult immigrants and a focus group discussion with 6 adult immigrants, all of …