Table 14.

1 Financial Education
Std.
N Mean C.V Skewness
Deviation
Statements Statistic Statistic Statistic Statistic Statistic
Financial
120 2.66 1.267 1.605 0.292
Knowledge
Financial
120 2.02 1.325 1.756 1.122
Training
Financial
120 2.91 1.145 1.311 0.148
Concept
Awareness
of Financial 120 2.24 1.316 1.731 0.758
Product

Application
of Financial 120 2.13 1.334 1.78 0.874
Knowledge
Average
120 2.39 1.28 1.64 0.639
Scores
Skewness Kurtosis

S. E Statistic S. E

0.221 -0.907 0.438

0.221 0.013 0.438

0.221 -0.842 0.438

0.221 -0.62 0.438

0.221 -0.563 0.438

0.221 -0.584 0.438

Table 13.1 Financial Behavior
Std.
N Mean C.V
Deviation

Statements Statistic Statistic Statistic Statistic

Saving
120 2.01 1.381 1.907
Account
Loan
Secured 120 1.73 1.128 1.273
Property
loan Term
120 4.33 0.823 0.678
Goals
Pay Bills 120 4.37 0.916 0.839
Personal
120 3.28 1.014 1.028
Watch
Budget
120 1.79 1.263 1.595
Prepared
Loan
120 2.03 1.328 1.764
Secured
Budget
120 4.16 1.223 1.496
Prepared
Purchase
120 4.15 0.967 0.935
Whether
Take risk 120 3.4 1.344 1.805
Much Debt 120 1.84 1.077 1.16

Buy the
Most Selling 120 4.02 0.057 1.117
Product

Average
120 3.09 1.043 1.300
Scores
 Skewness Kurtosis

Statistic S. E Statistic
S.E

0.958 0.221 -0.626 0.438

1.401 0.221 0.905 0.438

-1.242 0.221 1.594 0.438

-1.465 0.221 1.573 0.438

0.141 0.221 -0.53 0.438

1.42 0.221 0.732 0.438

0.923 0.221 -0.5 0.438

-1.486 0.221 1.267 0.438

-0.987 0.221 0.253 0.438

-0.407 0.221 -0.914 0.438

1.02 0.221 -0.168 0.438

-1.006 0.221 0.34 0.438

-0.061 0.221 0.327 0.438

Table 12.1 Financial Attitude

Mean Std. Deviation

N

Statements Statistic Statistic Statistic

Live for
120 2.66 1.553
Today
Spend
120 3.36 1.511
Money
Money
120 2.49 1.432
Spent
Taxes
unnecessary 120 2.82 1.364
Pain
Money
120 3.79 1.159
Borrowed

Possible
120 3.38 1.31
Loss Capital

Unable to
120 3.2 1.066
Risk Capital

Higher Risk
Investor
120 3.18 1.221
Earn Higher
Long Term

Growing
120 3.22 1.124
Business
Control
120 4.44 0.924
Financial
Ability to
Financial 120 4.12 1.042
Obligation
Communicat
120 3.63 1.159
e Money
Average
120 3.36 1.239
Scores
 C.V Skewness Kurtosis

Statistic Statistic S. E Statistic S. E

2.412 0.438 0.221 -1.344 0.438

2.282 -0.274 0.221 -1.417 0.438

2.05 0.462 0.221 -1.118 0.438

1.86 0.08 0.221 -1.153 0.438

1.343 -0.44 0.221 -1.153 0.438

1.717 -0.219 0.221 -1.148 0.438

1.136 -0.198 0.221 -0.627 0.438

1.49 -0.173 0.221 -1.047 0.438

1.264 -0.006 0.221 -1.116 0.438

0.854 -1.711 0.221 2.217 0.438

1.085 -1.252 0.221 1.139 0.438

1.343 -0.232 0.221 -1.163 0.438

1.570 -0.294 0.221 -0.661 0.438

Table 11.1 Financial Knowledge
Std.
N Mean C.V
Deviation
Statements Statistic Statistic Statistic Statistic
Terms of
120 3.81 1.19 1.417
Product
Business
120 2.87 1.328 1.764
Revenue

Timely Loan
120 3.72 1.379 1.902
Repayment

Access to
120 2.28 1.567 2.457
Finance
Hagbed
120 2.45 1.437 2.065
(ROSCA)
Access to
120 1.69 1.151 1.324
Bank Loan
High
Inflation 120 3.36 1.289 1.66
Implies
Effect of
120 3.8 1.105 1.22
Cost Loan
Determine
Debt 120 3.93 1.255 1.575
Position
taxes on
120 3.49 1.045 1.092
Business
Saving
Accumulate 120 4.44 1.075 1.156
d

Receiving
100 in now
120 4.36 1.044 1.089
and 14 in
year

Average
120 3.35 1.239 1.560
Scores
 Skewness Kurtosis

Statistic S. E Statistic S. E

-0.776 0.221 -0.249 0.438

0.008 0.221 -1.137 0.438

-0.882 0.221 -0.529 0.438

0.69 0.221 -1.179 0.438

0.344 0.221 -1.353 0.438

1.37 0.221 0.407 0.438

-0.555 0.221 -0.635 0.438

-0.621 0.221 -0.651 0.438

-1.013 0.221 -0.084 0.438

-0.472 0.221 -0.297 0.438

-1.95 0.221 2.902 0.438

-1.713 0.221 2.272 0.438

-0.464 0.221 -0.044 0.438