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Full-Text Articles in Finance and Financial Management
Financial Literacy: The Basics To Learn In High School, Christopher J. Wisely
Financial Literacy: The Basics To Learn In High School, Christopher J. Wisely
Honors Projects
Humans are capable of not only understanding but operating with certain levels of autonomy to prepare for future circumstances, a fact pivotal to many problems facing society in today’s world. Among these problems is the issue of both poverty and financial instability, consequences in part due to a lack of understanding of personal finances in many adults. A partial solution being presented to this issue is the integration and teaching of eight significant finance related concepts to promote healthier financial decision-making, improve autonomy, and increase long-term happiness in individuals. Rather than covering specific teaching methods, the intent is to demonstrate …
The Importance Of Teaching Personal Finance, Ryan Brewer
The Importance Of Teaching Personal Finance, Ryan Brewer
Honors College Theses
Personal finance is a foreign concept to many, yet it is an essential concept for all. This research project considers the impact of a personal finance course being taught in an organized, non-profit setting. A community church offers a finance course to their congregants on an annual basis that is designed to teach short- and long-term personal finance concepts to individuals and families to encourage adequate budgeting and investment practices. This specific project will evaluate the participants skillset and confidence in their financial goals before and after they are involved with the course. The data of study will be collected …
The Importance Of Teaching Personal Finance, Ryan Brewer
The Importance Of Teaching Personal Finance, Ryan Brewer
Honors College Theses
This research project will consider the impact of a personal finance course being taught in an organized non-profit setting. A community church offers a finance course to their congregants on an annual basis that is designed to teach short- and long-term personal finance concepts to individuals and families to learn adequate budgeting and investment practices. Typically, anywhere from 5 to 15 people will sign-up for this course. This specific project will evaluate the participants skillset and confidence in their financial goals before and after they are involved with the course. The data of study will be collected from a pre- …
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 …
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 …
Financial Wellness And Undergraduate Students, Kristin N. O'Donovan
Financial Wellness And Undergraduate Students, Kristin N. O'Donovan
BU Well
Liberal Arts Universities often include a core curriculum with the education provided to students. This core curriculum includes a variety of topics, separate from a student’s major, aimed at delivering a well-rounded education. However, one major topic seems to be missing from the core curriculum of many universities across the country: finance. Not only does this have implications to the financial wellness of undergraduate students, but the overall wellness of students as well. Undergraduate students face an increasingly difficult financial landscape with unique needs, and the financial decisions they make may have repercussions years or decades into their futures. Based …
Consolidating Student Loans, With A Review Of Student Loans In General, Richard H. Serlin
Consolidating Student Loans, With A Review Of Student Loans In General, Richard H. Serlin
Richard H. Serlin
This is a very complete, state of the art article on student loans, and smart student loan strategy for regular people. Thus, honestly, I think it's something very rare. A good way to quickly understand well this important subject.
Major Personal Finance Faq, Richard H. Serlin
Major Personal Finance Faq, Richard H. Serlin
Richard H. Serlin
A rare source of detailed, extensive, state of the art answers to some of the most important questions in personal finance.
Standing Order Operations In The Banking Industry, George E. Ekeha
Standing Order Operations In The Banking Industry, George E. Ekeha
George E Ekeha
Standing order operations by the bank is a system by which customers instruct the bank to make systematic payments on behalf of the customer to a third party. This arrangement must be control and managed by the customer. The customer must have the sole right to cancel this arrangement from his bank at any time he wishes. Unfortunately however, this is not the situation with some banks in Ghana. In this article we outline an experience of a customer of Ecobank regarding the operation of standing order.
Staffing And Recruiting Considerations For Financial Education Programs (Chapter Three Of Student Financial Literacy), Ryan E. Halley, Dorothy B. Durband, Sonya L. Britt
Staffing And Recruiting Considerations For Financial Education Programs (Chapter Three Of Student Financial Literacy), Ryan E. Halley, Dorothy B. Durband, Sonya L. Britt
Faculty Publications - College of Business
A financial education program is only as good as the people who staff it. In order to get the right people on staff, careful attention must be paid to the strategy and execution of recruiting and hiring. Underlying the strategy is the determination of which staff positions are needed and how the roles will be defined. Various questions need to be addressed, such as: What financial resources are available? What types of services is the program planning to offer? What is the level of counselor content expertise? What is the type and size of facility where counseling will take place? …
Spend Your Money On Income Generating Activities Rather Than Liabilities, George E. Ekeha
Spend Your Money On Income Generating Activities Rather Than Liabilities, George E. Ekeha
George E Ekeha
Many at times as I walk around town, in the cities and the country sides I try to observe how we live our lives in Ghana. In my previous article, I highlight some very important resources that we are endowed with in this country. We all know that those are just but few and we are proud that we have more resources than some of our neighbours in the Sub-Saharan African countries. One of these resources is the human capital. We can be proud of ourselves to have people who think about the necessity of peace in order to enhance …
Savings Habits Of African Women, The Case Of Ghanaian Market Women, George E. Ekeha
Savings Habits Of African Women, The Case Of Ghanaian Market Women, George E. Ekeha
George E Ekeha
Recent economic developments in Africa have led to increased educational opportunities and new jobs for the millions of people living in the continent. Specifically, the development changes have had a significant impact on the female population in the member countries as more and more women continue to gain access to training and education and obtain the skills and qualifications needed to enter into the workforce. Due to these recent developments, women in Africa have been able to gain more control over their own finances. As a result, women entrepreneurs in most African countries have become increasingly important drivers of growth …
The Banks In Ghana Reported Huge Increase In Profit, George E. Ekeha
The Banks In Ghana Reported Huge Increase In Profit, George E. Ekeha
George E Ekeha
The past few months ago, we have been inundated by news about the banks’ profit. If we take a glance at their published accounts in the dailies, we could see how most of them had a jump in their profits over the years. Some had as much as 900% rise in their profit. Amazing, isn’t it? We have heard the officials of these banks tried to justify the huge spread in their lending and the borrowing rates, blaming it on various issues like non-performing loans and overhead costs and many others, refer to my previous article. They claimed they cannot …
Be Careful About The Menace Of The Banks And Microfinance Companies, George E. Ekeha
Be Careful About The Menace Of The Banks And Microfinance Companies, George E. Ekeha
George E Ekeha
Currently, according to the Ghana Banking Survey 2010 by PriceWaterHouseCoopers, there are twenty six (26) registered banks with over 740 branches operating in the country offering several products designed to attract the average Ghanaian (with more in the pipeline because of the oil flow). Some years ago (may be 10 years or more), there were very few banks in the country with their products mostly designed towards the elite few. It was a common thing to see very long and winding queues extending several kilometres outside the banking halls of most of these banks. Especially the Ghana Commercial Bank (GCB), …
Let Us Spend Our Money On Income Generating Activities Rather Than Liabilities, George E. Ekeha
Let Us Spend Our Money On Income Generating Activities Rather Than Liabilities, George E. Ekeha
George E Ekeha
Many at times as I walk around town, in the cities and the country sides I try to observe how we live our lives in Ghana. In my previous article, I highlight some very important resources that we are endowed with in this country. We all know that those are just but few and we are proud that we have more resources than some of our neighbors in the Sub-Saharan African countries. One of these resources is the human capital. We can be proud of ourselves to have people who think about the necessity of peace in order to enhance …