Busqueda Paper

Authors
Sangeetha R., Mathew J., Francline S.C.

Muehlbacher S., Kirchler E.
Dang H.D., Dam A.H.T., Pham T.T., Nguyen T.M.T.
Rashid R.A., Zainol Z., YazidIsa M., Mohd Taib N., Nizam A.N.H.K.
Albaity M., Rahman M.
Kriese M., Abor J.Y., Agbloyor E.
Singla H.K., Hiray A.
Rahmawati S.A., Narmaditya B.S., Wibowo A., Wulandari D., Hardinto P., Prayitno P.H., Utomo S.H.
Warmath D., Zimmerman D.
Rudeloff M.
Aggarwal M.
Lusardi A.
Cucinelli D., Trivellato P., Zenga M.
Kumari D.A.T., Ferdous Azam S.M.
Meyll T., Pauls T.
Jang J., Choi S., Lee C.W., Go S.
Dogra P., Sharma R.R.
Faulkner J.-P., Murphy E., Scott M.
de Clercq B.
Cwynar A., Cwynar W., Baryla-Matejczuk M., Betancort M.
Brydges G., Krepper R., Nibert A., Young A., Luquire R.
Förster M., Happ R., Walstad W.B.
Maman D., Rosenhek Z.
Henchoz C., Coste T., Wernli B.
Nataliia Z., Victoriia B., Dmytro K.
O'Brien E., Hamburg I.
Resmi S., Pahlevi R.W., Sayekti F.
Sawatzki C., Downton A., Cheeseman J.
Lavin J.F., Valle M.A., Magner N.S.
Hoffmann A.O.I., McNair S.J.
Fürstenau B., Hommel M.
Hunter J., Sawatzki C.
Weedige S.S., Ouyang H., Gao Y., Liu Y.
19YJA790067"
Ssewamala F.M., Sensoy Bahar O., Johnson K.J., Katumba R.G.N.
National Cancer Institute

Mahmudi A., Listiyani D.H.
Hsu Y.-C., Nian M.-W., Yang C.-H., Lee Y.-H., Wu J.-Y.
Koti K.
Okello Candiya Bongomin G., Munene J.C.
Ma’ruf A.
Inchamnan W., Niranatlamphong W., Engbunmeesakul N.
Warren A., Marchant T., Schulze D., Chung D.
Farida L., Afandi M.F., Sularso R.A., Suroso I., Putri N.A.
Psenak P., Psenakova I., Szabo T., Kovac U.
Kimiyagahlam F., Safari M., Mansori S.
Grigorian D.A., Kryshko M.
Dituri P., Davidson A., Marley-Payne J.
Kavita, Suman
Cude B.J., Chatterjee S., Tavosi J.
Győri Á., Czakó Á., Horzsa G.
Barik R., Sharma P.
Hayo B., Neumeier F.
Stylianou A.M., Counselman-Carpenter E., Redcay A.
Prado S.M.M., Everaert P., Valcke M.
Rondillas F.I., Buan A.T.
Ayhan B.
Engelbrecht L.K., Ornellas A.
Kumar S., Shukla G.P., Sharma R.
Sisharini N., Hardiani S., Ratnaningsih C.S.
Clark R.L., Hammond R.G., Vanderweide D.
Jiménez I., Chiesa R., Topa G.
Heafner T.L., VanFossen P.J., Fitchett P.G.
Sharofovich O.S., Zakiralievna S.N.
Henager R., Cude B.J.
Dutta S., Sarkar A.
McCoy M.A., White K.J., Love K.
Danila N., Shahwan Y., Ali Z., Djalaluddin A.
Ministry of Education – Kingdom of Saudi Arabi

Keyser N., Duvenhage C.
Kandpal V., Mehrotra R., Gupta S.
Santini F.D.O., Ladeira W.J., Mette F.M.B., Ponchio M.C.
Nicolini G., Haupt M.
Jin M., Yuan Y.
Lopus J.S., Amidjono D.S., Grimes P.W.
Krische S.D.
Agyei S.K., Adam A.M., Agyemang O.S.
Kalwij A., Alessie R., Dinkova M., Schonewille G., van der Schors A., van der Werf M.
Abad-Segura E., González-Zamar M.-D.
Bavafa H., Liu J., Mukherjee A.
Farías P.
Kapitan S., Ross S.M., Silvera D.H.
Hoffmann G., Matysiak L.
Shaik G., Babu P.R.
Harvey M.
Chung Y., Park Y.
Diepstraten M., van der Cruijsen C.
Suar P.K., Mishra S.
Renuka M., Narsis I.
Li R., Qian Y.
Jayaraman J.D., Jambunathan S., Adesanya R.
Ssewamala F.M., Sensoy Bahar O., Tozan Y., Nabunya P., Mayo-Wilson L.J., Kiyingi J., Kagaayi J., Bell
Zhu A.Y.F.
Owusu-Manu D.-G., Asiedu R.O., Edwards D.J., Donkor-Hyiaman K., Abuntori P.A., El-Gohary H.
Sachitra V., Wijesinghe D., Gunasena W.
University of Sri Jayewardenepura
Department of Foreign Affairs and Trade
University Grants Commission - Sri Lanka

Kriese M., Abor J.Y., Agbloyor E.
Kumar K., Prakash A.
Yadav N., Raman T.V.
Erin O., Arumona J., Onmonya L., Omotayo V.
Pang M.F.
Rakow K.C.
Farrar S., Moizer J., Lean J., Hyde M.
Njanike K.
Gill A., Bhattacharya R.
Wells Fargo"
Nam Y., Sherraden M.S., Huang J., Lee E.J., Keovisai M.
Reiter L., Ford B.
Ady S.U., Hidayat A.
Cornil Y., Hardisty D.J., Bart Y.
Goda G.S., Levy M., Manchester C.F., Sojourner A., Tasoff J.
National Institute on Aging
U.S. Social Security Administration
TIAA Institute
National Institutes of Health

Nadolny L., Nation J., Fox J.
Sanjay A., Bhavana Raj K.
Bylander M., Res P., Jacoby L., Bradley P., Pérez A.B.
Sai X., Kenayathulla H.B., Saedah S.
Royce T.J., Davenport K.T., Dahle J.M.
Azma N., Rahman M., Adeyemi A.A., Rahman M.K.
Finau G., Jacobs K., Chand S.
Fan F., Chan K.
Kim K.T., Anderson S.G., Seay M.C.
Kuntze R., Wu C., Wooldridge B.R., Whang Y.-O.
Riitsalu L., Murakas R.
Bayuk J., Altobello S.A.
Al-Bahrani A., Weathers J., Patel D.
Balakrishna S., Virmani V.
Ćumurović A., Hyll W.
Caplinska A., Ohotina A.
Horizon 2020: 770464

Zou J., Deng X.
Shanmugha Priya P., Vishal Kumar R.
Bannier C., Meyll T., Röder F., Walter A.
Rodrigues L.F., Oliveira A., Rodrigues H., Costa C.J.
Shanti S., Murty A.V.N.
Preston A.C., Wright R.E.
Roa M.J., Garrón I., Barboza J.
Demakis G.J., Szczepkowski K.V., Johnson A.N.
Beck J.J., Garris R.O., III
Motika M.

Bacha S., Azouzi M.A.
Kusiluka M.M., Chiwambo D.M.
Purnomo B.R.
Karakurum-Ozdemir K., Kokkizil M., Uysal G.
Aydin A.E., Akben Selcuk E.
TÃ¼rkiye Bilimsel ve Teknolojik AraÅ tirma Kurumu

Bongini P., Cucinelli D.
Ye J., Kulathunga K.M.M.C.B.
Chaiphat C.
Adetunji O.M., David-West O.
Liu C.-L., Chang D.-F., Chuang C.-M.
Menon P.
Ružic I., Krnelic L.Z., Mota N., Forte M.D., Dildar F.D.
Gorbachev O., Luengo-Prado M.J.
Damayanti
Bellini D., Crescentini A., Zanolla G., Cubico S., Favretto G., Faccincani L., Ardolino P., Gianesini G.
Cordero J.M., Pedraja F.
FundaciÃ³n de las Cajas de Ahorros
Ministerio de EconomÃa y Competitividad

Harnett S.
Purohit H., Chutani R.
Irawati N., Hasibuan B.K., Muda I.
Lin X., Bruhn A., William J.
Xue R., Gepp A., O'Neill T.J., Stern S., Vanstone B.J.
Eugster M.
Jennings J.D., Quinn C., Ly J.A., Rehman S.
Bhuvana M., Vasantha S.
Cueva C., Iturbe-Ormaetxe I., Ponti G., Tomás J.
Patni I., Choubey S.
Guliman S.D.O., Uy A.O.O.
Ashok S., Nair S.S., Krishna M.B.
Ghosh S.
Carlander A., Hauff J.C.
Montalto C.P., Phillips E.L., McDaniel A., Baker A.R.
Li Y., Burr J.A., Miller E.A.
Borg E., Hooker B.
Gerrans P., Heaney R.
Björklund M.
Feng X., Lu B., Song X., Ma S.
Stieger S., Jekel T.
Blue L.E.
Johnston-Rodriguez S., Henning M.B.
Khatutsky G., Greene A.M.
Mancebón M.-J., Ximénez-de-Embún D.P., Mediavilla M., Gómez-Sancho J.-M.
Ministerio de EducaciÃ³n
Lamar M., Wilson R.S., Yu L., James B.D., Stewart C.C., Bennett D.A., Boyle P.A.
Cwynar A., Cwynar W., Wais K.
West R., Ramcharan P.
McLean-Meyinsse P.E.
Han L., Xiao J.J., Su Z.
National Natural Science Foundation of China
15ZDC024
Central University of Finance and Economics
15ZDC024
Fundamental Research Funds for the Central Universities: 71473279"

Kullgren J.T., Cliff B.Q., Krenz C.D., Levy H., West B., Fendrick A.M., So J., Fagerlin A.
Pharmaceutical Research and Manufacturers of America Foundation
AbbVie
National Pharmaceutical Council
Laura and John Arnold Foundation
Amgen
Robert Wood Johnson Foundation
Michigan Department of Health and Human Services
Agency for Healthcare Research and Quality

Nawaz F.
Potocki T., Cierpiał-Wolan M.
Narodowe Centrum Nauki

Ghadai S.K., Misra S.N.
Ray S., Mahapatra S.K., Nath S.
Ramalho T.B., Forte D.
Warder M.F., Gottlieb T.J., Jung P.J., Miezio K.R., Carlson-Oehlers V., Cohen B.A.
Kumar S., Tomar S., Verma D.
Khan M.T.I., Tan S.-H., Gan G.G.G.
Compen B., De Witte K., Schelfhout W.
Fonds Wetenschappelijk Onderzoek

Ward A.F., Lynch J.G.
Shanti S., Murty A.
Poppler L.H., Sharma K., Buck D.W., Myckatyn T.M.
National Center for Advancing Translational Sciences

Muralidhar A.
Makhdieva Y.M.
Ben-Caleb E., Faboyede S., Olusanmi O., Oyewo B., Fakile S., Adegboyegun A.E., Ademola A.
Ali S.B., Frank H.A.
Orhun A.Y., Palazzolo M.
Kim M.
Ying Q., Hassan H., Ahmad H.
18YJC790204
Sichuan University
SC18A006

Wang G.N., Hanna S.D.
Xiao J.J., Porto N.
Mergenova G., El-Bassel N., McCrimmon T., Terlikbayeva A., Primbetova S., Riedel M., Kuskulov A., Vel
Baker H.K., Kumar S., Goyal N., Gaur V.
Raschke C.
Kutin J.J., Reid M., Russell R.
Warder M.F., Gottlieb T.J., Jung P.J., Miezio K.R., Carlson-Oehlers V., Cohen B.A.
Seotsanyana M.E.
De Marco A.C., Kretzschmar J.
Newall P.W.S., Parker K.N.
Coria M.D., Concha-Salgado A., Aravena J.S.
Gavurova B., Kubak M., Huculova E., Popadakova D., Bilan S.
Sabri M.F., Aw E.C.-X.
Kalmi P., Ruuskanen O.-P.
de Clercq B., Venter J.M.P.
Bawre S., Kar S.
Thabet O.B., Ali A.A.M.F., Kantakji M.
Shimizutani S., Yamada H.
Xu S., Xiong Z., Jiao L.
Xue R., Gepp A., O'Neill T.J., Stern S., Vanstone B.J.
Cupák A., Kolev G.I., Brokešová Z.
Agentúra na Podporu Výskumu a Vývoja

Kumar M., Mishra R., Mishra K.
Mulyana D., Soeaidy M.S., Taufiq A.R.
Wagner J.
Nohong M., Ali M., Sohilauw M., Sobarsyah M., Munir A.
Hartono S.B., Hajar I., Ristianawati Y., Budiarto A.
Çera G., Tuzi B.
Mudzingiri C., Mwamba J.W.M., Keyser J.N., Bara A.
Jayanthi M., Rau S.S.
Rudeloff M., Brahm T., Pumptow M.
Zhu A.Y.F., Yu C.W.M., Chou K.L.
Fernández-Larragueta S., Almagro-Lominchar J., Fernández Sierra J.
Banco de España
Banco de España
Fundación de las Cajas de Ahorros
Palestine Exploration Fund
Fundación Mapfre: 2008-2012
Ministerio de Educación
Banco de España
Asociación Española de Pediatría
Fundación de las Cajas de Ahorros
Banco de España
Agência Espacial Brasileira
Ministerio de Educación
Banco de España"
Fauziah P., Sari R.C.
Susanti N., Rahmayanti R., Padmakusumah R.R., Susanto R.
Xu N., Shi J., Rong Z., Yuan Y.
Lee H.W.
National Endowment for Financial Education

Son J., Park J.
Owusu J., Ismail M.B., Osman M.H.B.M., Kuan G.
ZHang H., Xiong X.
Oggero N., Rossi M.C., Ughetto E.
Alafifi A., Hamdan A., Al-Sartawi A.
Dudchyk O., Matvijchuk I., Kovinia M., Salnykova T., Tubolets I.
Ismanto H., Muharam H., Widiastuti A., Pangestuti I.R.D., Rofiq F.
Sole M.A.
Hardin C., Towns A.R.
Cordero J.M., Gil-Izquierdo M., Pedraja-Chaparro F.

Li J., Meyer-Cirkel A.
Cwynar A., Cwynar W., Dankiewicz R., Ostrowska-Dankiewicz A., Oratowski P.
Lyons A.C., Kass-Hanna J.
Halilovic S., Zaimovic A., Berilo A.A., Zaimovic T.
de Clercq B.
Al Issa H.-E., Abdelsalam M.K., Omar M.M.S.
Douissa I.B.
Sági J., Lentner C.
De Beckker K., De Witte K., Van Campenhout G.
Financial Services Authority

Samanta S., Nanda A.K.
Fornero E., Lo Prete A.
Ismail R., Hussin M.Y.M., Muhammad F.
Fessler P., Silgoner M., Weber R.
Deuflhard F., Georgarakos D., Inderst R.
Goda G.S., Levy M.R., Manchester C.F., Sojourner A., Tasoff J.
Kusairi S., Sanusi N.A., Muhamad S., Shukri M., Zamri N.
Özen E., Ersoy G.
Abdullah N., Fazli S.M., Arif A.M.M.
Mohelska H., Zubr V.
Meyll T., Pauls T., Walter A.
Shelton V.M., Smith T.E., Panisch L.S.
Kim K.T., Lee J., Hanna S.D.
Serna K.L., Eguiluz L., Taylor Z.W.
Citradika D.P., Atahau A.D.R., Satrio D.
United Nations Educational

Junoha M.Z.B.H.J.M., bin Hidthiir M.H., Basheer M.F.
DeRusha W., Hickey T.
Belousova T.A., Gryzenkova Y.V., Kirillova N.V., Vasyakin B.S., Pozharskaya E.L.
Klapper L., Lusardi A.
Arthur C.
Nikitina T.V., Nikitin M.A., Skalaban M.P.
Samsuri A., Ismiyanti F., Narsa I.M.
Blue L.E., Grootenboer P.
Tseng C.C., Kou T.N.
Chambers R.G., Asarta C.J., Farley-Ripple E.N.
Alattar L., Messel M., Rogofsky D., Sarney M.A.
Sakyi D., Onyinah P.O., Baidoo S.T., Ayesu E.K.
Solmon L.C.
Lay A., Furnham A.
Chumarina G.R., Mikhailova M.A., Abulkhanova G.A.
Albastiki N., Hamdan A.
Carpena F., Cole S., Shapiro J., Zia B.
Shi X., Prevett P., Farnsworth V., Kwong K.C., Wan W., He F., Zhai Q., Zhen L.

Iterbeke K., De Witte K., Declercq K., Schelfhout W.
Torres-Santomé J.
Sabir S.A., Mohammad H.B., Shahar H.B.K.
Happ R., Förster M.
McGarity S.V., Okech D.O., Risler E., Clees T.J.
Joshi T., Gupta S.S., Rangaswamy N.
Barbić D., Lučić A., Chen J.M.
Prêtet A., Klang T.
Willenbuecher F., Fusaro M.A.
Chotewattanakul P., Sharpe K., Chand S.
Bawre S., Kar S.
Martins A., Madaleno M., Dias M.F.
Filipović J., Popović A.
Dhawan D., Mehta S.K.
Saputra K.D., Rahmaastri D.A., Setiawan K., Suryani D., Purnama Y.
Asandimitra N., Kautsar A.
Förster M., Happ R.
Németh E., Zsótér B.
Kapasi A., Yu L., Stewart C.C., Schneider J.A., Bennett D.A., Boyle P.A.
Brown J.R., Cookson J.A., Heimer R.Z.
Rostamkalaei A., Nitani M., Riding A.
Bucciol A., Zarri L.
Ketterman J., Jr., Russell M., Yacob D., Kim J., Elonge M., Maynard P., Orr A.
Cooperative State Research

Jünger M., Mietzner M.
Ackermann N., Siegfried C.
Jia D., Li R., Bian S., Gan C.
Kaiser T., Menkhoff L.
Pavia S., Grima S.
Shaker I.E., Shaker N.S.
Jones C., Fouty J.R., Lucas R.B., Frye M.A.
Conchologists of America
Nguyen H.T.
Hazarika B.
Téllez-León I.E., Venegas-Martínez F.
Rajevska O., Voroncuka I.
European Commission
Amagir A., Groot W., Maassen van den Brink H., Wilschut A.
Potnis D., Gala B.
Oberrauch L., Kaiser T.
Widyastuti U., Febrian E., Sutisna, Fitrijanti T.
Frisancho V.
Rubinstein-Levi R., Kedar-Levy H.
Goi M.T., Palil M.R., Mohd Zain N.H., Mamat N.H.
DCP-2017-018-2"
Barcellos S.H., Zamarro G.
Davis M.E.
L’Esperance M.
De Beckker K., Compen B., De Bock D., Schelfhout W.
Fonds Wetenschappelijk Onderzoek
Financial Services Authority

Ilies R., Yao J., Curseu P.L., Liang A.X.
Rumler F., Valderrama M.T.
Filipek K., Cwynar A., Cwynar W.
Ministerstwo Nauki i Szkolnictwa Wyższego

Phillips S.D., Johnson B.
Partha Sarath S., Venkata Subbaiah P.
Nguyen V.T., Floro M.S.
Arkorful V.E., Anokye R., Basiru I., Hammond A., Mohammed S., Micah V.B.
Moreno-García E., García-Santillán A., Gutiérrez A.D.S.
Aggarwal N., Singh H.
Tangtipongkul K., Khiev V.
Ramlee R., Syed Mohd Zain S.R., Wan Husain W.R.
International Islamic University Malaysia

Ipsen C., Kurth N., McCormick S., Hall J., Chambless C.
Munjishvili T., Mikaberidze A.
Liu F., Yilmazer T., Loibl C., Montalto C.
Chaudhury S.K., Panigrahi A., Gaur M.
Peixoto P.
Hagos M.M., Singh S.
Supardianto, Ferdiana R., Sulistyo S.
Ipsen C., Kurth N., Mccormick S., Hall J.P., Chambless C.
Loibl C., Summers B., McNair S., Bruine de Bruin W.
Leverhulme Trust
Marie Curie
330462
Marie Curie"
Bogoviz A.V., Rycova I.N., Kletskova E.V., Rudakova T.I., Karp M.V.
World Bank Group
Belgorod National Research University
World Bank Group

Ståhl C., Karlsson E.A., Sandqvist J., Hensing G., Brouwer S., Friberg E., MacEachen E.
Miller A.H., Verma S., Alloghani F., Alwahabi S.
Grima S., Pavia S.
Whitehouse M.
de Felice G.
Kadoya Y., Khan M.S.R.
Japan Society for the Promotion of Science
Research Institute of Science and Technology for Society

Jayaraman J.D., Jambunathan S.
Lucey T.
Moreno-Herrero D., Salas-Velasco M., Sánchez-Campillo J.
Oseifuah E., Gyekye A., Formadi P.
Gathergood J., Wylie D.
Thomas A., Spataro L.
European Commission
QLK6-CT-2001-00360
IAG BSR06-11
CIT4-CT-2006-028812
Sadikin A., Hadi A., Widyarfhendy
Burnett J., Davis K., Murawski C., Wilkins R., Wilkinson N.
Luca D.
Li N., Qian Y.
Happ R., Zlatkin-Troitschanskaia O., Förster M.
Riitsalu L.
Caplan M.A., Sherraden M.S., Bae J.
Sawatzki C., Goos M.
Palací F., Jiménez I., Topa G.
Happ R., Förster M.
Crawford A., Lajbcygier P., Maitra P.
Institute for Money

Nikonova Y., Lunina T., Prudnikov A., Arshba L.
Hussain J., Salia S., Karim A.
Shen Y., Hu W., Hueng C.J.
Grohmann A., Klühs T., Menkhoff L.
Deutsche Forschungsgemeinschaft
Amran N.A., Sawandi N., Shaari H., Saad R.A., Bakar A.S.A.
Pusat Pengurusan Penyelidikan dan Inovasi

Fatihudin D., Holisin I., Hidajat S.
Quinn C., Johnson K., Raney C., Baker J., Topel K., Tschudy M.M., Jaganath D., Solomon B.S.
Klepikova T.
Marston G., Banks M., Zhang J.
Berzin S.C., Lee H., Leong A.D.
Bongomin G.O.C., Munene J.C., Ntayi J.M., Malinga C.A.
Aiba D., Odajima K., Khou V.
Clark S., Paul M., Aryeetey R., Marquis G.
Global Affairs Canada"

Fairfax L.M.
Loomis J.M.
Bamforth J., Jebarajakirthy C., Geursen G.
Shu S.B., Shu S.D.
Sawatzki C., Sullivan P.
Kalinina I.V., Solovchenkov S.A.
Kodongo O.
Andriani D., Nugraha N.
Hatammimi J., Krisnawati A.
Potrich A.C.G., Vieira K.M.
Yong C.-C., Yew S.-Y., Wee C.-K.
Pesando L.M.
University of Pennsylvania
Lowies B., Whait R.B., Viljoen C., McGreal S.
Kusiluka M.M., Chiwambo D.M.
Hanson T.A., Olson P.M.
Peng G., Liu F., Lu W., Liao K., Tang C., Zhu L.
Moreno-Herrero D., Salas-Velasco M., Sánchez-Campillo J.
Kadoya Y., Khan M.S.R., Hamada T., Dominguez A.
Japan Society for the Promotion of Science
Zengin Foundation For Studies On Economics And Finance"

Martínez A C., Puentes E.
Steinert J.I., Cluver L.D., Meinck F., Doubt J., Vollmer S.
Seventh Framework Programme
Economic and Social Research Council
European Research Council
University of Oxford: 1602-KEA-189
UNICEF
Leverhulme Trust: PLP-2014-095"

Bajo E., Barbi M.
Simkhada N.R.
Chen J., Jiang J., Liu Y.-J.
Crowley R.M., Swan K.
Xiao J.J., O'Neill B.
Mata T.

Bharucha J.
Julion W.A., Sumo J., Bounds D.T.

Kataike J., Modekurti D.P.V., Butali E., Magumba D., Mugenyi A.R., Aine-Omucunguzi A., Gellynck X.
Kiliyanni A.L., Sivaraman S.
Yanying Z., Qian Y.
Setiawati R., Nidar S.R., Anwar M., Masyita D.
Henning M.B., Johnston-Rodriguez S.
Bannier C.E., Schwarz M.
Alderighi S.
Heinrich P., Schwabe G.
Bird R., Foster F.D., Gray J., Raftery A.M., Thorp S., Yeung D.
Santos D.B., Mendes-Da-Silva W., Gonzalez L.
Vieira K.M., Potrich A.C.G., Mendes-Da-Silva W.
Mendes-Da-Silva W.
Rastogi S., Ragabiruntha E.
Nedungadi P.P., Menon R., Gutjahr G., Erickson L., Raman R.
Department of Information Technology

Mabula J.B., Ping H.D.
Zachary Finney R., Finney T.G.
Bhutoria A., Vignoles A.
Irawan Y.S., Koesoema A.P., Soegijoko S., Riyani A., Utama D.Q.
West T., Worthington A.C.
Brent D.A., Ward M.B.
Bucher-Koenen T., Lamla-Dietrich B.
de Goeij P., Van Campenhout G., Subotič M.
Cupák A., Fessler P., Schneebaum A., Silgoner M.
Arellano A., Cámara N., Tuesta D.
Baidoo S.T., Boateng E., Amponsah M.
Longobardi S., Pagliuca M.M., Regoli A.
Ottaviani C., Vandone D.
Bellofatto A., D'Hondt C., De Winne R.
Oehler A., Horn M., Wendt S., Reisch L.A., Walker T.J.
Stolper O.
Calderone M., Sadhu S., Fiala N., Sarr L., Mulaj F.
Rajamohan R.R., Sathish P.
Carlin B.I., Jiang L., Spiller S.A.
Stewart C.C., Yu L., Wilson R.S., Bennett D.A., Boyles P.A.
Cookson J.A.
Millimet D.L., McDonough I.K., Fomby T.B.
Baglioni A., Colombo L., Piccirilli G.
Donleavy G.D., Poli P.M., Conover T.L., Albu C.N., Dahawy K., Iatridis G., Kiaptikulwattana P., Budsarat
Topa G., Segura A., Pérez S.
Gebrayel E., Jarrar H., Salloum C., Lefebvre Q.
Hazudin S.F., Tarmuji N.H., Kader M.A.R.A., Majid A.A., Aziz N.N.A., Ishak M.
Arthur C.
Kim K.T., Lee J.
Ulstad A.T., Mashayekhi M., Meckstroth H.
Lahsasna A.
Sahadeo C.
Stewart C.C., Boyle P.A., James B.D., Yu L., Han S.D., Bennett D.A.

Cheng Y.-F., Mutuc E.B., Tsai F.-S., Lu K.-H., Lin C.-H.
Skagerlund K., Lind T., Strömbäck C., Tinghög G., Västfjäll D.
Brown M., Henchoz C., Spycher T.
Pathak S.A., Virani S.
Bateman H., Eckert C., Iskhakov F., Louviere J., Satchell S., Thorp S.
Jain D., Sharma A.
Hatch C.D., Carlson K., Droms W.G.
Angel S.
Ãsterreichische ForschungsfÃ¶rderungsgesellschaft
Pillai D., Ravi Kumar V.V.
Lahav E., Shavit T., Benzion U.
Lewis D.R.
Sekantsi L.P.
Karakoç M., Yeşildağ E.
Bilici N., Akgül B., Pehlivanli R.
Saeedi A., Hamedi M.
Niu G., Zhou Y.
Nejad M.G., Javid K.
Salinas C., Jr., Hidrowoh J.R.
Pradeep S., Chandrachoodan Nair B.
Pak T.-Y.
Lundgren A.D.
Agnew S., Maras P., Moon A.
Islam K.J., Simpson W.
Feldman G.
Huebner J., Ilic A.
Mehra A., Muralidhar S., Satija S., Dhareshwar A., O'Neill J.
Hakim M.S., Oktavianti V., Gunarta I.K.
Smith T.E., Williams J.M., Richards K.V., Panisch L.S.
Grohmann A.
Selvadurai V., Kenayathulla H.B., Siraj S.
Amagir A., Groot W., Maassen van den Brink H., Wilschut A.
Lo Prete A.
Kishan K., Alfan E.
Bianchi M.
Happ R., Förster M., Rüspeler A.-K., Rothweiler J.
Nell L., Lentz L., Pander Maat H.
Jathanna P.N.R., Dhamala J.D.
Steinert J.I., Zenker J., Filipiak U., Movsisyan A., Cluver L.D., Shenderovich Y.
Safford A., Sundali J., Guerrero F.
Mina O.E.C.
Gallo G., Torricelli C., van Soest A.
Becchetti L., Bellucci D., Rossetti F.
Doehring C.
Günther M.K., Ghosh S.
McCrimmon T., Witte S., Mergenova G., Terlikbayeva A., Primbetova S., Kuskulov A., Bellamy S.L., El-B
Potrich A.C.G., Vieira K.M., Kirch G.
Arrondel L.
Hsiao Y.-J., Tsai W.-C.
Ministry of Science and Technology

Zhao F., Sun J., Devasagayam R., Clendenen G.
Morris J.H.

Hoffmann A., Otteby K.
Pikulina E., Renneboog L., Tobler P.N.
Inquire Europe"
Jiang D., Lim S.S.
Tambunlertchai K.
Darolia R., Harper C.
Pathak P., Pant V.
Oladeji T.F., Ikpefan O.A., Alege P.O.
Fan L., Chatterjee S.
Susanti, Hardini H.T.
Buckland J.
Berry J., Karlan D., Pradhan M.
Swedberg R.
Burrus B.B., Krieger K., Rutledge R., Rabre A., Axelson S., Miller A., White L., Jackson C.
Damayanti R., Al-Shami S.S.A., Bin Rahim A.B.R., Marwati F.S.
Santos D.B., Mendes-Da-Silva W., Gonzalez L.
Damayanti S.M., Saraya G.
Agyei S.K.
Pavković A., Anđelinović M., Mišević D.
Wulandari D., Narmaditya B.S.
Adam A.M., Boadu M.O., Frimpong S.
Carline Mary Desdemona A.
Ahmed Z., Ramakrishnan S., Noreen U.
Natoli R.
Nanziri E.L., Leibbrandt M.
Carnegie Foundation for the Advancement of Teaching"

Malinda S., Masyita D., Rahman S., Anwar M.
Bourova E., Anderson M., Ramsay I., Ali P.
Australian Research Council

Garg N., Singh S.
Fry A., Wilson J., Williams-Soberanes P., Overby C., Flores F.
Mudzingiri C., Muteba Mwamba J.W., Keyser J.N.
Hütten M., Maman D., Rosenhek Z., Thiemann M.
Agence Nationale de la Recherche
Labex"
Vovchenko N.G., Galazova S.S., Danchenko E.A., Ivanova O.B., Kostoglodova E.D.
Riitsalu L., Murakas R., Veeret D.
Suparno, Saptono A.
Bongini P., Iannello P., Rinaldi E.E., Zenga M., Antonietti A.
Iramani, Fauzi A.A., Wulandari D.A., Lutfi
Ergün K.
Mokhtar N., Sabri M.F., Ho C.S.F., Moga Dass T.A.L.
Hedvicakova M., Svobodová L.
Sigova M., Kruglova I., Vlasova M., Shashina I.
Abed L.J.
Hedvicakova M., Svobodova L.
Solomon G.E., Nhete T., Sithole B.M.
Cossa A.J., Madaleno M., Mota J.
Lucey T.A., Laney J.D., Agnello M.F.
Eke P.O., Adetiloye K.A., Taiwo J.N.
Mishra R.
Nanda A.K., Samanta S.
Kinyanjui J., Ocholla D.
Barbić D., Palić I., Lučić A.
Hudec M., Brokešová Z.
James B.D., Wilson R.S., Shah R.C., Yu L., Arvanitakis Z., Bennett D.A., Boyle P.A.
Susan M.
Xu X.
Elbogen E.B.
Abebe G., Tekle B., Mano Y.
Sudakova A.
Sawandi N., Abu Bakar A.S., Shaari H., Saad R.A., Amran N.A.
Ali Z.
Belle Isle M., Freudenberg B., Sarker T.
Bačová V., Kostovičová L.
Mielitz K.K.S., Macdonald M., Lurtz M.
Wang Q., Hu X.Y.
Stylianou A.M.
Boehnke M., Pokharel S., Nyberg E., Clark T.
Huang J., Sherraden M.S., Despard M.R., Rothwell D., Friedline T., Doran J., Zurlo K.A., Birkenmaier J.
Cwynar W., Cwynar A., Ostrowska-Dankiewicz A., Da Silva P.M.L., Martynyuk V., Stancheva V.
Lewis D.
Henly J., Jones R., Lein L., Romich J., Shanks T., Sherraden M., Tillotson A.
Shappell E., Ahn J., Ahmed N., Harris I., Park Y.S., Tekian A.
Ariffin S.K., Richardson C., Wahid N.A., Yusoff Y.M.
Kagotho N., Ssewamala F.M., Patak-Pietrafesa M., Byansi W.
Yusuf M.M., Ruslan N.A., Hamdy M.S., Basah M.Y.A.
Jung D., Weinhardt C.
Michael A., Giroh Y.D., Polycarp M., Ashindo Z.E.
Barua R., Koh B., Mitchell O.S.
Citi Foundation
Mata M.E., da Costa J.R., Justino D.
Dong G.N.
Choi H.-S., Laschever R.A.
Alattar L., Messel M., Rogofsky D.
Silva A.M., Silva A., Teixeira S., Maia T., Gonçalves M.J.A.
Giesecke M., Yang G.
Universität Duisburg-Essen
Kubak M., Tkacova A., Androniceanu A., Tvaronavičienė M., Huculova E.
Moss S.A., Ghafoori E., Smith L.
Simpson W., Islam K.
Terrana S.E., Wells R.
[No author name available]
Olasehinde O., Aigbavboa C.
Huebner J., Fuchs K., Ilic A.
Moučková M., Vítek L.
McGregor S.L.T.
Sanchez C., Dunning D.
Jalilvand A., Noroozabad M.R., Switzer J.
Oladeji Tolulope F., Ikpefan Ochei A., Alege Philip O.
Raimi L., Aslani B.
Koloba H.A.
Comber S., Crawford K.C., Wilson L.
Warsame M.H., Ireri E.M.
Godoy M.P., Sepúlveda J., Araneda L., Canario R., Fonseca J., Sáez C.
Douglas E., Rutherford A., Bell D.
University of Stirling
University of Edinburgh
University of Michigan
Nuffield Foundation: OPD/42197
National Institute on Aging: RAG044535A"

Mahmood S.S., Hanifi S.M.A., Mia M.N., Chowdhury A.H., Rahman M., Iqbal M., Bhuiya A.
Rockefeller Foundation
GR-01315"
Passi K., Kaur A.P., Devgun P., Passi U.
Bodle K., Brimble M., Weaven S., Frazer L., Blue L.
Pastushenko E.N., Zemtsova L.N.
Asher M., Vora Y.
Walton A., Johnston K.
Liao L., Xiao J.J., Zhang W., Zhou C.

Yong H.-N.A., Tan K.-L.
Willis L.E.
Garcia Z.A., Francis D., Christensen A., MacArthur S.S., Memmott M., Hill P.A.
Lam L.T., Lam M.K.
Lefrançois D., Ethier M.-A., Cambron-Prémont A.
Young J.H., Hudson C.R., Davis E.L.
Vikhrova O.
Supanantaroek S., Lensink R., Hansen N.
Prokhorova A.
Hudson C., Young J., Anong S., Hudson E., Davis E.
Samonte M.J.C., Martin L.N.O., Borja J.M., Alvarez M.L.T.
Palaci F., Jiménez I., Topa G.
Kim M., Choi S., Lee J.
National Research Foundation of Korea

Cuddeback G.S., Blank Wilson A., Despard M.R., Tomar N., Chowa G.
Metzger C.
Anderson A., Baker F., Robinson D.T.
Engström P., McKelvie A.
Haiven M.
Shephard D.D., Kaneza Y.V., Moclair P.
Department for International Development

Ribeiro R.B., Soares I.
Adamkovič M., Martončik M.
Bharucha J.P.
Khoo Y.Y., Fitzgerald R.
Kaiser T., Menkhoff L.
Yildiz Y., Karan M.B., Bayrak Salantur S.
Berková K., Králová A., Krejčová K.
Neumuller S., Rothschild C.
Harvard University"
Patacchini E., Rainone E.
Lai K.P.Y.
Shobha T.S., Chakraborty S.
van der Cruijsen C., Diepstraten M.
De Nederlandsche Bank
Aery A., Rucchetto A., Singer A., Halas G., Bloch G., Goel R., Raza D., Upshur R.E.G., Bellaire J., Katz A.
Canadian Institutes of Health Research

Nano D., Mema B.
Speer S.
Furubo J.-E., Rist R.C., Speer S.
Mukherjee M., McKinney L., Hagedorn L.S., Purnamasari A., Martinez F.S.
Bahovec V., Barbic D., Palic I.
Ministerio de EducaciÃ³n
Faulkner A.E.
Mahdzan N.S., Mohd-Any A.A., Chan M.-K.
Ministry of Higher Education
UM.E/SSRC/628/3/2"
Glidden M.D., Brown T.C.
Ahmed Z., Ramakrishnan S., Noreen U.
Johnson S., Premila K.
Lusardi A., Mitchell O.S.
FINRA Investor Education Foundation
U.S. Department of Labor

Illmeyer M., Grosch D., Kittler M., Priess P.
Mottola G.R., Kieffer C.N.
Rodrigues L.F., Costa C.J., Oliveira A.
Migheli M., Coda Moscarola F.
Susan M., Djajadikerta H.
Kaufmann C., Schmid C., Boes S.
UniversitÃ¤t St. Gallen
Swiss Re
University of Miami"
Chang Y., Kim J., Chatterjee S.
Food and Nutrition Service

Lu S.
Hidajat T., Hamdani M.
Commonwealth Foundation"
Febriana R.N., Damayanti S.M.
Susilowati N., Latifah L., Jariyah
Charoensook B., Woong S.D.
Calcagno R., Giofré M., Urzì-Brancati M.C.
European Environment Agency
European Commission
Meyer M.
Sari R.C., Fatimah P.L.R., Suyanto
Jones M.K., Bloch G., Pinto A.D.
Li Ka Shing Foundation
Penarreta M., Puertas Hidalgo R., Tejeiro M.
Santos A.C.

Bayliss K., Fine B., Robertson M.
266800"
Visano B.S., Ek-Udofia I.
Mayoral R.M., Vallelado E.
ECO2014-56102-P"
Goedde-Menke M., Erner C., Oberste M.
Zokaityte A.
European Central Bank"

Stolper O.A., Walter A.
Boisclair D., Lusardi A., Michaud P.-C.
Sundarasen S.D.D., Rahman M.S.
Lusardi A., Samek A., Kapteyn A., Glinert L., Hung A., Heinberg A.
Mitchell O.S.
Clark R., Lusardi A., Mitchell O.S.
Rosa P., Petrášková V.
Peters E., Shoots-Reinhard B., Tompkins M.K., Schley D., Meilleur L., Sinayev A., Tusler M., Wagner L.,
Loke Y.J.
Zokaityte A.
Potocki T., Opolski K.
Chu Z., Wang Z., Xiao J.J., Zhang W.
China Postdoctoral Science Foundation: 2015M570066

Eniola A.A., Entebang H.
Kirbiš Škreblin I., Vehovec M., Galić Z.
Lin C., Hsiao Y.-J., Yeh C.-Y.
Bucher-Koenen T., Lusardi A., Alessie R., van Rooij M.
Nolte S., Schneider J.C.
Conklin J.N.
Tatuev A.A., Kutsuri G.N., Rokotyanskaya V.V., Lyapuntsova E.V., Shanin S.A.
Maitra D., Upadhyay P.
Binder C.
Ahmad F.A., White A.J., Hiller K.M., Amini R., Jeffe D.B.
Jariwala H.V., Dziegielewski S.F.
Hewett P.C., Austrian K., Soler-Hampejsek E., Behrman J.R., Bozzani F., Jackson-Hachonda N.A.
Gramațki I.
Gathergood J., Weber J.
Gathergood J., Weber J.
Boatman A., Evans B.J.
Huang Y.-M., Liu M.-C., Lai C.-H., Liu C.-J.
Ministry of Science and Technology

Kosfeld M., Schüwer U.
Ismail S., Faique F.A., Bakri M.H., Zain Z.M., Idris N.H., Yazid Z.A., Daud S., Taib N.M.
600-RMI/RAGS 5/3 (90/2014"

MacLeod S., Musich S., Hawkins K., Armstrong D.G.
Walstad W.B., Rebeck K.
Förster M., Happ R., Molerov D.
Lee T., Yun T., Haley E.
Smith T.E., Malespin T., Richards K.V., Shelton V.M.
Marinelli N., Mazzoli C., Palmucci F.
Walstad W., Urban C., J. Asarta C., Breitbach E., Bosshardt W., Heath J., O'Neill B., Wagner J., Xiao J.J.
Pinjisakikool T.
Leumann S.
Grol R., Sent E.-M., de Vries B.
Bekaert G., Hoyem K., Hu W.-Y., Ravina E.
Lee T., Morgan W.
Firli A.
Guria L.S., Patankar R., Tyagi D.
Guria L.S., Patankar R., Tyagi D.
Wilson R.S., Yu L., James B.D., Bennett D.A., Boyle P.A.

Sawatzki C.
Shankaran V., Linden H., Steelquist J., Watabayashi K., Kreizenbeck K., Leahy T., Overstreet K.
Blue L.E., Pinto L.E.
Gutiérrez-Nieto B., Serrano-Cinca C., de la CuestaߚGonzález M.
Gerrans P., Hershey D.A.
Fitzgerald M.P., Bias T.K., Gurley-Calvez T.
Bilias Y., Georgarakos D., Haliassos M.
Mende M., Scott M.L., Bitner M.J., Ostrom A.L.
Loke Y.-J.
Emery T.J., Gardner C., Hartmann K., Cartwright I.
Salo M., Haapio H.
Berti A.E., Ajello A.M., Aprea C., Castelli I., Lombardi E., Marchetti A., Massaro D., Sappa V., Valle A.
Marinelli N., Mazzoli C., Palmucci F.
Levy M.R., Tasoff J.
Brown N., Ferguson K.
Horwitz S., Briar-Lawson K.
Wilkinson A., Pettifor A., Rosenberg M., Halpern C.T., Thirumurthy H., Collinson M.A., Kahn K.
Wellcome Trust
National Institute on Drug Abuse
Carolina Population Center

Sepúlveda Maldonado J., Denegri Coria M., Orellana Calderón L., Criado N., Mendoza J., Salazar P., Y
Murendo C., Mutsonziwa K.
Widyastuti U., Suhud U.
Mouna A., Anis J.
Antara P.M., Musa R., Hassan F.
Universiti Teknologi MARA

Yew S.-Y., Yong C.-C., Cheong K.-C., Tey N.-P.
Gavurova B., Huculova E., Kubak M., Cepel M.
Trunk A., Koeàr S., Širca N.T.
Md Nawi F.A., Shaharuddin S., Daud W.M.N.W., Yusoff Z.M.
Indapurkar K., Raj M.
Adam A.M., Frimpong S., Boadu M.O.
Bongomin G.O.C., Ntayi J.M., Munene J.C.
Okello Candiya Bongomin G., Mpeera Ntayi J., Munene J.C., Akol Malinga C.
Huhmann B.A.
Arceo-Gómez E.O., Villagómez F.A.
Sawatzki C., Sullivan P.
Nguyen T.A.N., Belás J., Habánik J., Schönfeld J.
De Moor L., Verschetze L.
Spataro L., Corsini L.
Ricci O., Caratelli M.
Candiya Bongomin G.O., Munene J.C., Ntayi J.M., Malinga C.A.
Hamilton D., Darity W.A., Jr.
Shusha A.A.
Chauhan S., Indapurkar K.
Rizliyanto E., Erlina, Hasyim S., Rujiman
Sivaramakrishnan S., Srivastava M., Rastogi A.
Xiao J.J., Porto N.
Jonsson S., Söderberg I.-L., Wilhelmsson M.
Longobardi S., Pagliuca M.M., Regoli A.
Finke M.S., Howe J.S., Huston S.J.
Zimbardo P., Clements N., Rego Leite U.
Ishmuhametov I., Kuzmina-Merlino I.
Pearson G., Stoop P.N., Kelly-Louw M.
Berková K., Krpálek P.
Hudec M., Brokešová Z.
Ghazali M.S., Azer I., Mohamad S.A., Muhamad Arifin N.A., Mat A.
Mindra R., Moya M.
Marhayanie, Ismail M., Muda I.
Halloluwa T., Vyas D., Usoof H., Bandara P., Brereton M., Hewagamage P.
Lee T.
Seay M.C., Preece G.L., Lec V.C.
Mauricas Ž., Darškuviene V., Mariničevaite T.
De Castro Dantas Cavalcante R.
Tanase M.F., Lucey T.A.
Sabri M.F., Abdullah N., Zenhendel M., Ahmad S.Y.
Álvarez-Franco P.B., Muñoz-Murillo M., Restrepo-Tobón D.A.
Bačová V., Dudeková K., Kostovičová L., Baláž V.
Low D., Nathan R.J.
Dinç Aydemir S., Aren S.
Nguyen T.A.N., Rózsa Z., Belás J., Belásová Ľ.
Clark R., Lusardi A., Mitchell O.S.
Ekanem I.U.
Osmane S., Bowen C.F.
Irandoust M.
Bamforth J., Jebarajakirthy C., Geursen G.
Zainol Z., Daud Z., Nizam A.N.H.K., Rashid R.A.
Daou R.A.
Titko J., Veidenberga Z., Shina I.
Chamboko R., Kadira G., Mundia L., Chamboko R.K.T.
Sabri M.F., Dass T.M., Poh L.M., Zakaria N.L., Wahab R., Ramli N.N.
Singh A., Sharma R.
Mohd. Amim O., Ab. Mumin A.G., Husniyah A.R.
Ekanem I.U.
Parameswar N., Dhir S., Dhir S.
Agarwal S., Ben-David I., Yao V.
Farías P.
Hoerl M., Wuppermann A., Barcellos S.H., Bauhoff S., Winter J.K., Carman K.G.
Coskuner S., Sener A.
Malaf E., Liu G., Goldstein S.
Nyhus E.K.
Makina D.
Loibl C.
Iacovoiu V., Stancu A.
Rollings N.
Ekanem I.U.
Nasir N.F., Roslin R.M., Chui C.B.
Cwynar A., Cwynar W., Wais K., Parda R.
Berg S.
Bhattacharjee J., Singh R.
Cresenta Shakila Motha L., Amudha R., Alamelu R., Nalini R., Indhu Bobendra R.
Lombardi E., Ajello A.M.
Hermansson C.
Mahdzan N.S., Zainudin R., Au S.F.
Universiti Malaya
Epstein M.J., Yuthas K.
Imarhiagbe B.O., Saridakis G., Mohammed A.-M.
Mahdzan N.S., Zainudin R., Che Hashim R., Sulaiman N.A.
Lall P., Shaw S.A., Saifi R., Sherman S.G., Azmi N.N., Pillai V., El-Bassel N., Kamarulzaman A., Wickersh
E-000001-20001
National Institute on Drug Abuse
E-000001-20001"
Fiksenbaum L., Marjanovic Z., Greenglass E.
Karaa I.E., Kuğu T.D.
Faulkner A.E.
Nejad M.G., O'Connor G.
French D., McKillop D.
Idris N.H., Yazid Z.A., Faique F.A., Daud S., Ismail S., Bakri M.H., Taib N.M.
600-RMI/RAGS 5/3 (90/2014"

Hetling A., Postmus J.L., Kaltz C.
Sundarasen S.D.D., Rahman M.S., Othman N.S., Danaraj J.
Koposko J.L., Hershey D.A.
Reis S., Almeida A.M.
Chen E., Gavious I.
Loke Y.J.
Delgadillo L.M., Palmer L., Goetz J.
Brounen D., Koedijk K.G., Pownall R.A.J.
Knoller C., Kraut G., Schoenmaekers P.
Kiymaz H., Öztürkkal B., Akkemik K.A.
De Cecco S., Estache A.
Riitsalu L., Põder K.
Kramer M.M.
Xiao J.J., O'Neill B.
Bergiti J.
Montgomerie J., Tepe-Belfrage D.
van Ooijen R., van Rooij M.C.J.
Banerjee S., Humphery-Jenner M.
Shavit T., Lahav E., Rosenboim M.
Fort M., Manaresi F., Trucchi S.
Tripathi R., Yadav N., Shastri R.K.
Harrison N., Agnew S.
Happ R., Zlatkin-Troitschanskaia O., Schmidt S.
Chen Z., Lemieux C.M.
Padua L.A., Doran J.K.
Sánchez-Campillo J., Moreno-Herrero D., Rodríguez Martín J.A.
Baker A.C., Keene D.E.
Dhanani A.
Friedberg R.D.
Kiliyanni A.L., Sivaraman S.
Driva A., Lührmann M., Winter J.
Newall P.W.S.
Semenova M., Kulikova V.
Brown M., Grigsby J., Van Der Klaauw W., Wen J., Zafar B.
Marano L.E., Dempsey K., Leiser R.M.
Bannier C.E., Neubert M.
Sayinzoga A., Bulte E.H., Lensink R.
Scannapieco M., Smith M., Blakeney-Strong A.
Paluri R.A., Mehra S.
Smith T.E., Shelton V.M., Richards K.V.
Reams-Johnson A., Delker S.
Skimmyhorn W.L., Davies E.R., Mun D., Mitchell B.
Charles K.D., Sheaff S., Woods J., Downey L.
Veteška J.
Bujan I., Cerović L., Samaržija N.D.
Villagómez F.A.
Meyer M.A., Hudak R.P.
McCannon B.C., Asaad C.T., Wilson M.
Nalini R., Alamelu R., Amudha R., Cresenta Shakila Motha L.
Julion W.A., Sumo J., Bounds D.T., Breitenstein S.M., Schoeny M., Gross D., Fogg L.

Clarke D.J., Kumar N.
Murugiah L.
Zimmerman J., Forlizzi J., Finkenaur J., Amick S., Ahn J.Y., Era N., Tong O.
Paiella M.
Watson R.
Yang B., Lester D.
Pilz M., Krisanthan B., Michalik B., Zenner L., Li J.
Dyer W.G., West B., Peacock I., Yamada S., Dyer J.
Farrell L., Fry T.R.L., Risse L.
Johnson B.B., Finkel A.M.
Svobodova L.
Podgorny B.
Polyakova T., Belyaeva O.
Diez-Martinez E.
Santoso A.B., Trinugroho I., Nugroho L.I., Saputro N., Purnama M.Y.I.
Fabris N., Luburic R.
Akter S., Krupnik T.J., Rossi F., Khanam F.
United States Agency for International Development
Bill and Melinda Gates Foundation

Han S.D., Boyle P.A., Arfanakis K., Fleischman D., Yu L., James B.D., Bennett D.A.
Erner C., Goedde-Menke M., Oberste M.
Krause B.L., McCarthy A.S., Chapman D.
Hubbard E., Matthews P., Samek A.
Moure N.G.
Lin H., Prince J.T.
Happ R., Förster M., Zlatkin-Troitschanskaia O., Carstensen V.
Patel M.R., Kruger D.J., Cupal S., Zimmerman M.A.
Sathiyan S., Panda P.K.
Koh N.K.
Frühauf F., Retzmann T.
Aprea C., Wuttke C., Breuer K., Koh N.K., Davies P., Greimel-Fuhrmann B., Lopus J.S.
Holtsch D., Eberle F.
Wentzel A.
Aprea C., Wuttke C., Breuer K., Koh N.K., Davies P., Greimel-Fuhrmann B., Lopus J.S.
Schuhen M., Schürkmann S.
Lucey T.A.
Ackermann N., Eberle F.
Siu E.Y.N., Koh N.K.
Yeo J.K.K.
Houghton Budd C.
Amidjono D.S., Brock J., Junaidi E.
Henchoz C.
Aprea C., Wuttke E.
Ruiz-Durán C.
Pang M.F.
Bosshardt W.
Sherraden M.S., Ansong D.
Arthur C.
Antonietti A., Borsetto A., Iannello P.
Remmele B.
Heath J.A.
Pinto L.E.
O'Neill B.M., Hensley B.J.
Cameron M.P., Wood P.
Hašek R., Petrášková V.
Lee C.B., Koh N.K.
Loerwald D., Stemmann A.
Lacatus M.L.
Hill A.T., Asarta C.J.
Barry D.
Knoote F.E., Partington G., Penner J.
Marchetti A., Castelli I., Massaro D., Valle A.
Farnsworth V.
van der Schors A., Simonse O.
Greimel-Fuhrmann B., Silgoner M., Weber R., Taborsky M.
Danes S.M., Deenanath V., Yang Y.
Potrich A.C.G., Vieira K.M., Mendes-Da-Silva W.
Conselho Nacional de Desenvolvimento CientÃfico e TecnolÃ³gico

Rosacker K.M., Rosacker R.E.
Larbey M.
Agnew J.
Hung N.V.
Yatim P., Iskandar T.M., Nga E.
Universitas Gadjah Mada

Universitas Gadjah Mada
Ministry of Higher Education
Universiti Teknologi Malaysia
Canadian Academic Accounting Association

Yoshino N., Messy F.-A., Morgan P.J.
Clark J.R., Hall J.C., Harrison A.S.
Hagedorn E.A., Schug M.C., Suiter M.
Dimmock S.G., Kouwenberg R., Mitchell O.S., Peijnenburg K.
Siddike Md.A.K., Kohda Y.
Bhonde-Saraf A.
Nivorozhkina L.I., Nikolayevna A.E., Viktorovna T.T., Segeyevna Y.Y.
Smith T.E., Richards K.V., Shelton V.M.
Smith T.E., V. Richards K., M. Shelton V.
Shen C.-H., Lin S.-J., Tang D.-P., Hsiao Y.-J.
Silva-Martínez E., Stylianou A.M., Hoge G.L., Plummer S., McMahon S., Postmus J.L.
Chowdhury M.
Blonski P., Blonski S.C.
Mills J.
Loke Y.J.
Liebowitz J.
Heckman E.R.
Marty A.
Jain R.
Daniels T.R.
Ashton B.
Liebowitz J.
Okello Candiya Bongomin G., Ntayi J.M., Munene J.C., Nabeta I.N.
Wright T.
Larson L.R.L., Eastman J.K., Bock D.E.
Campara J.P., Vieira K.M., Potrich A.C.G., Paraboni A.L.
Wulandari D.
Allgood S., Walstad W.B.
Astuti P.H., Trinugroho I.
Crawford-Ferre H.G., Wiest L.R., Vega S.
Worthington A.C.
Drew J.M., Cross C.
Ciemleja G.
Pak T.-Y., Chatterjee S.
Ciemleja G., Kozlovskis K.
Ngek N.B.
Okello Candiya Bongomin G., Ntayi J.M., Munene J.C., Nkote Nabeta I.
Dunska M., Kravinskis K.
Henager R., Cude B.J.
Chardon T., Freudenberg B., Brimble M.
Adomako S., Danso A., Ofori Damoah J.
Zahirovic-Herbert V., Gibler K.M., Chatterjee S.
Fachrudin K.R., Fachrudin K.A.
Meir A., Mugerman Y., Sade O.
Rahim S.H.A., Rashid R.A., Hamed A.B.
Jariwala H.V., Sharma M.S.
Vijaykumar N.V., Naidu G.J.
Laney J.D., Willerson A.
Harrison T.
Marri A.R.
Dutkowsky D.H., Evensky J.M., Edmonds E.S.
Belás J., Nguyen A., Smrčka L., Kolembus J., Cipovová E.
Te’eni-Harari T.
Bhattacharya R., Gill A., Stanley D.
Verma S., Oum Kumari R.
Viswanatha Reddy C.
Weber J.
Hsu J.W.
Mukhametov A.R., Khadiullina G.N., Nugumanova L.F., Tufetulov A.M.
Brejcha J., Wang C., Wang X., Wang Z., Wang L., Xu Q., Yang C., Chen L., Luo Y., Cheng Y., Zhang S., Lian
Estelami H.
Aderemi A.K., Osarumwense E.S., Kehide A., Egbide B.-C.
Grisales E.A.D., Ruiz J.D.G., Aristizábal J.D.R.
Dombrovská M.
García-Santillán A., Moreno-García E., Gutiérrez-Delgado L.
Awais M., Fahad Laber M., Rasheed N., Khursheed A.
Frydman C., Camerer C.F.
Nguyen L.T.M., Gallery G., Newton C.
Ballestra L., Cavaleri P.
Leiser D., Spivak A., Carmel E.
Söderberg I.-L.
Diniz P., Rogers P., Barboza F., Mendes-Da-Silva W.
Steen A., McGrath D., Wong A.
Fisch J.E., Wilkinson-Ryan T., Firth K.
Ahmed H., Salleh A.M.H.A.P.M.
Broad K.C., Sneath R.J., Emery T.M.J.
Jha M.K.
Cole S., Paulson A., Shastry G.K.
Yoon H.J., La Ferle C., Edwards S.M.
Mitchell O.S.
Verma Y., Garg P.
León G., Afcha S.
Community Development Financial Institutions Fund
West S., Mottola G.
Budsaratragoon P., Hillier D., Hodgson A., Lhaopadchan S.
Ambarkhane D., Singh A.S., Venkataramani B.
Juen T.T., Sabri M.F.
Awunyo-Vitor D.
Peters C.M., Sherraden M., Kuchinski A.M.
Shen N.
Henning M.B.
Komelina V.A., Mirzagalyamova Z.N., Gabbasova L.B., Rod Y.S., Slobodyan M.L., Esipova S.A., Lavrenti
Lopez K., Myers M., Langley C.S., Fisher D.
Duvalova E.P., Andreeva O.V., Duvalova Y.I., Ivasiv I.
Zou H., Chandrashekar S.
Satsiou A., Revenko A., Praggidis I., Karapistoli E., Panos G., Bouzanis C., Kompatsiaris I.
Fachinger U.
Lamb L.
Wardhono A., Qori’Ah C.G., Indrawati Y.
Pickford B.
Egharevba M.E., Eguavoen A., Azuh D., Iruonagbe T.C., Chiazor I.A.
Froldova V.
Choi J.J.
Cohen C.R., Steinfeld R.L., Weke E., Bukusi E.A., Hatcher A.M., Shiboski S., Rheingans R., Scow K.M., B
Grohmann A., Kouwenberg R., Menkhoff L.
Almenberg J., Dreber A.
Di Girolamo A., Harrison G.W., Lau M.I., Swarthout J.T.
Schuhen M., Neubauer M.
Crack T.F., Roberts H.
Zou H., Treviranus J.
Mesquita A., Peres P., Oliveira L.
Lemmer C.A., Sampson S.
Bateman H., Stevens R., Lai A.
Cambridge Philosophical Society"

Han S.D., Boyle P.A., James B.D., Yu L., Bennett D.A.
American Federation for Aging Research

Adhikary A., Bora B., Kumar J.
Mouna A., Jarboui A.
Huston S.J.
Hensley B.J.
Lusardi A.
Foster F.D., Ng J., Wee M.
Carmel E., Carmel D., Leiser D., Spivak A.
Fornero E.
Verschoor C.C.
Nawaz F.
Lincoln T.D.
Rehman R., Katpar S.J., Hussain M., Khan R.
Fedorova E.A., Nekhaenko V.V., Dovzhenko S.E.
Lubis H., Dileep Kumar M., Ikbar P., Muneer S.
Geiger V., Goos M., Forgasz H.
Lucey T.A., Agnello M.F., Laney J.D.
Mouna A., Anis J.
Williams A.J., Oumlil B.
Xiao J.J., Chen C., Sun L.
Bar-Or Y.
Heyman S.
Potrich A.C.G., Vieira K.M., Coronel D.A., Bender Filho R.

Totenhagen C.J., Casper D.M., Faber K.M., Bosch L.A., Wiggs C.B., Borden L.M.
Huang J., Nam Y., Lee E.J.
Bentley M.
Bachmann K., Hens T.
Csikósová A., Antošová M.
Lührmann M., Serra-Garcia M., Winter J.
Jang D.-H.
Gunaratne J., Nov O.
DiGiacomo M., Lewis J., Phillips J., Nolan M., Davidson P.M.
Gurley-Calvez T., Kapinos K.A., Bruce D.
Kraus P.L.
Yu K.-M., Wu A.M., Chan W.-S., Chou K.-L.
Lusardi A.
Beckmann E., Stix H.
Poon M., Olen H.
Jung J.H., Pae J., Yoo C.-Y.
Clark G.L.
Agarwal S., Amromin G., Ben-David I., Chomsisengphet S., Evanoff D.D.
Lusardi A.
Loke Y.J.
Sabri M.F., Zakaria N.F.
Birbili M., Kontopoulou M.
Disney R., Gathergood J., Weber J.
Economic and Social Research Council

Maryam M., Zehra N.
Vehovec M., Rajh E., Kirbiš I.Š.
Jappelli T., Padula M.
Jariwala H.V.
Faulkner A.E.
National Council for Tertiary Education"

Alsemgeest L.
Subha M.V., Shanmugha Priya P.
Arrondel L., Debbich M., Savignac F.
Davies P.
Afshar P.
Kersting L.M., Marley R.N., Mellon M.J.
Calcagno R., Monticone C.
Zuhair S., Wickremasinghe G., Natoli R.
Subha M.V., Priya P.S.
Amari M., Jarboui A.
Roszkowski M.J., Glatzer M., Lombardo R.
Henager R., Mauldin T.
Earl J.K., Gerrans P., Asher A., Woodside J.
Fourie A., Krugell W.
Salleh A.M.H.A.P.M.
Agnew S., Cameron-Agnew T.
Agarwalla S.K., Barua S.K., Jacob J., Varma J.R.
Subha M.V., Priya P.S.
Karger H.
Tuominen M.C., Thompson E.L.
Gil E.L.
Rustomfram P., Robinson B.
Fisk P.C.
Gurley-Calvez T., Kapinos K.A., Bruce D.
Cakmak A.F., Benk S., Budak T., Yucedogru R.
Potrich A.C.G., Vieira K.M., Kirch G.
Reich C.M., Berman J.S.
University of Memphis
Sabri M.F., Zakaria N.F.
Reiter L.
Von Gaudecker H.-M.
Rakib M.
Dey D.K., Chauhan Y.K., Chakraborti R.
Mende M., van Doorn J.
Steelyana W.E., Lie Y.
Guiso L., Viviano E.
Vishvesh R., Venkatraman B.
Corsini L., Spataro L.
Gamble K.J., Boyle P.A., Yu L., Bennett D.A.
Banks J., Crawford R., Tetlow G.
Agnew S., Harrison N.
British Academy"
Van Campenhout G.
Anthony K.V., Smith R.C., Miller N.C.
Gill A., Bhattacharya R.
Frączek B.
Clarke C.
Smith T.E., Richards K.V., Shelton V.M., Malespin T.S.
Lahav E., Rosenboim M., Shavit T.
Carr M.M., Greenhill L.M.
Shankar S.
Cameron M.P., Lim S.
Marfil J.A.M., Gutiérrez Ó.D.M., Arcos A.M.
María De Jesús Velázquez Vázquez M.C., Lopez G.P., Sánchez M.D.C.
Holmes P.R.
Miller M., Reichelstein J., Salas C., Zia B.
Vijay A., Prakash V., Natarajan S.
Koleda N., Oganisjana K.
Love D., Phelan G.
Guthrie C.P., Nicholls C.M.
Kuryleva O.I., Vinnikova I.S., Gurtovaya N.S., Kuznetsova E.A., Ogorodova M.V., Lavrenteva L.V.
Bryce-Laporte R., Hunt H.
Ali A., Rahman M.S.A., Bakar A.
Gorshkova N.V., Mytareva L.A., Perekrestova L.V., Glushchenko A.V., Fisher O.V.
Garmaise M.J.
Kalyugina S., Strielkowski W., Ushvitsky L., Astachova E.
Armantier O., Bruine de Bruin W., Topa G., van der Klaauw W., Zafar B.
Kabaci M.J., Cude B.J.
Kristjanpoller W.D., Olson J.E.
Romo L.K.
Davis M.E.
Atkinson L., Nelson M.R., Rademacher M.A.
Heckman S.J., Hanna S.D.
Huang J., Nam Y., Sherraden M., Clancy M.
Trejos-Castillo E., Davis G., Hipps T.
Bernardo C.D., Lagoa S.C., Leão E.R.
Gunaratne J., Nov O.
Heng P., Niblock S.J., Harrison J.L.
Angel S., Heitzmann K.
Asano T., Yamaoka M.
Phuong N.Q., Venkatesh S.
Austrian K., Anderson A.D.
Sifaki E., Mooney A.
Baker H.E., Brown P.P.
Elrod H., Forrest M.
Elrod H., Forrest M.
Montegary L.
de Zwaan L., Brimble M., Stewart J.
Osei-Assibey E.
Kärner T., Warwas J.
Israel S., Caspia A., Belskyd D.W., Harrington H., Hogan S., Houts R., Ramrakha S., Sersg S., Poulton R.,
Haslem J.A.
Buchanan B.
Witek M., Siglin J., Malatesta T., Snook A., Gressen E., Rudoler S., Bar-Ad V., Fisher S.
Cohen M.B.
Esendemirli E., Saygili A.T.
Zhang A.C.
Gathergood J., Weber Jö.
Goda G.S., Manchester C.F., Sojourner A.J.

Usher A.M., Breslin C., Maceachen E., Koehoorn M., Laberge M., Laberge L., Ledoux E., Wong I.
Lusardi A.
Jian J., Chen C., Chen F.
Zafarghandi A.S., Nayebzadeh S., Khakpour A.
Fazli Sabri M., Tze Juen T.
Biener C., Eling M., Schmit J.T.
Oehler A., Höfer A., Wendt S.
Bruhn M., Lara Ibarra G., McKenzie D.
Frijns B., Gilbert A., Tourani-Rad A.
Drexler A., Fischer G., Schoar A.
Greenfield C.
Van Rooij M., Teppa F.
Grimes P.W., Rogers K.E., Bosshardt W.D.
Duca J.V., Kumar A.
Sharma A., Johri A.
Markoe Hayes S., Chapple S., Ramirez C.
Adhikary A., Bora B., Kumar J.
Bay C., Catasús B., Johed G.
Karunarathne W., Gibson J.
Gibson J., McKenzie D., Zia B.
Giannetti C., Madia M., Moretti L.
Fisch J.E., N T.W.-R.
Schicks J.
van Wyk M.M.
Sorooshian S., Seng Teck T.
Burke M.A., Manz M.
Xia T., Wang Z., Li K.
Wilson R.M.S., Mason C.L.J., Abraham A.
Fatoki O., Oni O.
Jang K., Hahn J., Park H.J.
Letkiewicz J.C., Fox J.J.
Cameron M.P., Calderwood R., Cox A., Lim S., Yamaoka M.
Hetling A., Postmus J.
Allstate Foundation"
Schuhen M., Schürkmann S.
Kunovskaya I.A., Cude B.J., Alexeev N.
Clark G.L.
Ciemleja G., Lace N., Titko J.
Bose S., Sardana A.
Akben-Selcuk E., Altiok-Yilmaz A.
Bosshardt W., Walstad W.B.
United States Government Accountability Office
Navickas M., Gudaitis T., Krajnakova E.
Han S.D., Boyle P.A., Yu L., Fleischman D.A., Arfanakis K., Leurgans S., Bennett D.A.
National Institute on Aging: R01AG33678
American Federation for Aging Research"

Turner J.A., Muir D.M.
Blue L., Grootenboer P., Brimble M.
Shih T.-Y., Ke S.-C.
Barry D., Bender N., Breuer K., Ifenthaler D.
Jagman H., Lewis K., Nunn B., Walter S.
Shen N.
Cox R., Brounen D., Neuteboom P.
Moon C.-S., Ohk K., Choi C.
Roggenkamp J.
Fernandes D., Lynch Jr. J.G., Netemeyer R.G.
Nkundabanyanga S.K., Kasozi D., Nalukenge I., Tauringana V.
Bateman H., Eckert C., Geweke J., Louviere J., Satchell S., Thorp S.
Bucher-Koenen T., Ziegelmeyer M.
Ramlall I.
Varum C., Santos E., Afreixo V.
Mukherjee A., Winfield C., He S., Casalegno F., Ruggiero W.
Lusardi A., Mitchell O.S., Curto V.
Calcagna R., Brancati M.C.U.
Lachance M.-E.
Wilck IV J., Lynch P.C., Kauffmann P.J.
Xiao J.J., Ahn S.Y., Serido J., Shim S.
Shefrin H., Nicols C.M.
Babiarz P., Robb C.A.
Stauner K.
Ricci O., Caratelli M.
Svobodová L.
Thiessen A.
Rogers J.
Gerrans P., Speelman C., Campitelli G.
Beggs M., Bryan D., Rafferty M.
Marianela Denegri C., Carlos Del Valle R., Yéssica González G., Soledad Etchebarne L., Jocelyne Sepúl
Brown J.R., Weisbenner S.J.
Rajola F., Frigerio C., Parrichi M.
Dowling B.
Marešová P., Polívková L.
Agalliu A.
Doi Y., McKenzie D., Zia B.
Glukhov V.V., Zhilina E.V.
Choi Y.K., Han S.H., Lee S.
Demirgüç-Kunt A.
Delgadillo L.M.
Rappleyea D.L., Jorgensen B.L., Taylor A.C., Butler VI. J.L.
Emmanuel U., Ayorinde B., Babajide O.
Brancewicz J.G., Pattison J., Fok L.Y.
Kempf A., Merkle C., Niessen-Ruenzi A.
Cheang M., Kawamura L.
Nishiyama S., Smetters K.
Heinrich P., Kilic M., Schwabe G.
Stango V., Zinman J.
Flores S.A.M., Vieira K.M.

Elliot E.A., Cherian J., Elaydi R.
Lorence J., Lawrence D.J., Salsbury S.A., Goertz C.M.
Bird C.L., Şener A., Coşkuner S.
Clark R.L., Maki J.A., Morrill M.S.
González-Sánchez V.M., De Los Ríos Sastre S.
Whitaker E.A., Bokemeier J.
Eling M., Pradhan S., Schmit J.T.
Kainz K., Pan Y.
American Educational Research Association
U.S. Department of Education

National Science Foundation
Zyed Z.A.S., Aziz W.N.A.W.A., Hanif N.R., Tedong P.A.
Mahastanti L.A., Hariady E.
Asarta C.J., Hill A.T., Meszaros B.T.
Danes S.M., Yang Y.
Monti M., Pelligra V., Martignon L., Berg N.
Mendenhall R., Kramer K.Z., Akresh I.R.
Wobker I., Kenning P., Lehmann-Waffenschmidt M., Gigerenzer G.
Veludo-de-Oliveira T.M., Falciano M.A., Perito R.V.B.
Zaheenah Chummun B., Bisschoff C.A.
Heinberg A., Hung A., Kapteyn A., Lusardi A., Samek A.S., Yoong J.
Gómez Y.M.G., Chacaltana M.M., Coria M.D., Aravena J.S.
Moseson H., Hamad R., Fernald L.
Rehman R., Katpar S., Khan R., Hussain M.
Petrášková V.
Meraz A.A., Petersen C.M., Marczak M.S., Brown A., Rajasekar N.
Fry A., Wilson J., Overby C.
Han J.-J., Jang W.
De La Orden De La Cruz M.D.C.
Figart D.
FINRA Investor Education Foundation"

Nguyen V.P.K.H., Sarkari F., MacNeil K., Cowan L., Rankin J.
Gordon Nembhard J.
University of Saskatchewan
City University of New York
Office for the Advancement of Research

Nicolini G., Cude B.J., Chatterjee S.
Tisdell E.J., Taylor E.W., Forté K.S.
Eresia-Eke C.E., Raath C.
Meier S., Sprenger C.D.
Sabbaghi O., Cavanagh S. J. G.F., Hipskind S. J. T.
James B.D., Boyle P.A., Yu L., Bennett D.A.
Klapper L., Lusardi A., Panos G.A.
Smith C.A., Eschenfelder K.
Cappelletti G., Guazzarotti G., Tommasino P.
Caliendo F.N., Findley T.S.
Ferguson Jr. R.W.
Appleyard L., Rowlingson K.
St.Pierre E., Shreffler K.
Vinnari E., Näsi S.
Berk A.S., Cok M., Kosak M., Sambt J.
Worthington A.C.
New Zealand Film Commission"

Drew J.M.
Griffith University"
Ricaldi L., Finke M.S., Huston S.J.
Jerven M.
Dean Craig J., Raisanen S.R.
Li Y., Baldassi M., Johnson E.J., Weber E.U.
Kim J., Braun B., Williams A.D.
Basu A.K., Doran B.M., Drew M.E.
Clemenson B., Sellers R.D.
Aira T., Wang W., Riedel M., Witte S.S.
Jariwala H.V., Sharma M.S.
Boyle P.A., Yu L., Wilson R.S., Segawa E., Buchman A.S., Bennett D.A.

Chatterjee S.
Bendavid-Hadar I., Hadad Y.
Shahriar Ferdous A., Polonsky M.J.
Jappelli T., Padula M.
European Commission
QLK6-CT-2001-00360
CIT4-CT-2006-028812
Sprow Forté K.
Ziegelmeyer M., Nick J.
Cramer M., Hayes G.R.
Gerardi K., Goette L., Meier S.
Ward K.
Glukhov V., Timofeeva E.
Disney R., Gathergood J.
Buckland J., Fikkert A., Gonske J.
Social Sciences and Humanities Research Council of Canada
Kindle P.A.
University of Missouri
New York Community Trust
City
Shell United States

Walstad W.B., Rebeck K., Butters R.B.
Shahrabani S.
Chan C.C., Lai M.K., Ng E.C.W., Lau W.S.Y.
Brounen D., Kok N., Quigley J.M.
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U.S. Department of the Treasury"

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DeLaune L.D., Rakow J.S., Rakow K.C.
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Ramsay I.
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Social Sciences and Humanities Research Council of Canada

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Cooperative State Research

Gratton-Lavoie C., Gill A.
Hassan Al-Tamimi H.A., Anood Bin Kalli A.
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Canadian International Development Agency
Open Society Institute
World Bank Group

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Coda Moscarola F., Fornero E.
Ford M.W., Kent D.W.
Dworsky L.N.
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Engelbrecht L.
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Turner Foundation
United Nations Fund for Population Activities
Ford Foundation
Bill and Melinda Gates Foundation

Nike Foundation
United Nations Population Fund
United Nations
Dickler Family Foundation"

Kozup J., Hogarth J.M.
Servon L.J., Kaestner R.
Pankow D., O'Neill B.
Fry T.R.L., Mihajilo S., Russell R., Brooks R.
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Michigan Retirement Research Center

Teachers Insurance and Annuity Association - College Retirement Equities Fund
U.S. Department of Labor
Wharton School

Hogarth J.M., Kolodinsky J., Hilgert M.A.
Plantier J.H., Durband D.B.
Riggs H.E.
Denegri Coria M., del Valle Rojas C., Gempp Fuentealba R., Larra Arzola M.A.
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Author(s) ID
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Funding: This research was funded by Ministry of Education (China) Humanity and Social Science Pl
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NCI: R21CA236531"
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MOE"
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USJP
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8333263400;
35604337400;
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57203509336;
7102593126;7202769640;
Third, we note that a basic understanding of economics offers a sound framework for making informed
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SSA
NIH: R01AG020717"
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56897165200;57210208864;
8892658500;57202818339;57206939177;35950555100;
57196740054;55433832100;57195957267;57200631830;
57209475153;57209465417;
7102344413;57198587346;
24341858600;57201619158;57201616756;
6701354827;57208824203;57190777702;
57210142079;57210142173;
55356392000;
SSA
NIA: U01AG009740"
57197756137;55843394500;
36494885600;57204293102;
57200444713;
57203434583;57203435055;8565621400;
57188990187;25638416800;
TÃBITAK"
6507854042;55799947800;
35849685900;57209270222;
54953380800;
57206657096;56901354400;
57208332695;35204597700;57208337776;
57204527203;
57210316736;55912414500;57210317071;57210314477;57210314511;
6603759025;6506810933;
57211387693;
57202422648;57196485868;57209231072;36612963200;57201217850;57209236419;56610260500;
57204187972;6506543153;
FUNCAS
FUNCAS
FUNCAS
FUNCAS
MINECO: ECO2017-83759-P"
57193561070;
56519551500;57209504747;
57193194456;57193796393;6508070248;
57208178853;55912833100;57203970526;
57201613542;26030370400;57213556813;7201504216;6506748389;
57193316765;
56957743200;57203392087;57208683963;14325875900;
57191839132;56585826400;
56871061300;57193820606;7005854240;12753120600;
57209471777;57209469901;
57208647172;35753948100;
57209247265;57209248778;57209250059;
56331756600;
55756251400;56582149600;
6603549849;57202585803;55574154600;56666598700;
57202136783;57203175374;7404491292;
19336924000;25654877700;
15026227800;7103010689;
57210744319;
55963435200;57192171304;7402269631;57188561779;
57210744970;6506122669;
55849152800;
55860758100;57194557682;
6506051215;55206598600;
6506741873;55378542300;55764394200;26434193800;
Cultura y Deporte
6701739395;7501533467;7404164387;7202466439;7401937298;55246366200;57203057576;
57194600380;57194598938;57193065005;
57200032252;6603152967;
6505785997;
36680025700;8435498300;37666211800;
NSFC: 71473279
CUFE: QJJ1604
NSFC: 71703182
Central University of Finance & Economics, Grant/Award Number: QJJ1604; National Natural Scienc
6507890531;57205531847;57189401106;16552768000;12753624200;57201972790;57205529407;6
NPC
LJAF
RWJF: 73054
MDHHS
AHRQ"
55513522200;
57095086300;57193704250;
NCN: 2017/01/X/HS4/00634"
57201614729;55387187200;
57195572544;55615834700;57207359519;
56463781200;55799526000;
57206661214;57206662669;57202282555;57212319769;57202285581;55722544900;
57202477277;57203899959;57194520587;
57192068128;16302520900;36835785700;
57205183649;27067562500;14830721000;
FWO"
55816089800;7403674894;
57209475153;57209465417;
54395917800;55147194600;22955155500;6602075934;
NCATS"
6603146871;
57195837371;
56300155200;57208010085;56299798600;56299728200;42261201600;57208009902;57212945826;
57200069041;14622529000;
57216523269;57216523775;
57207921896;
24333717800;57205505596;57205504875;
SCU: 2013SCU04A32
NSFC: 71373167"
57200799651;8435493900;
8435498300;57190986542;
57188716394;7005511999;56922079500;36019487900;55802910900;14833416100;57201299077;5
13307089500;57202477277;57189631311;57192893339;
42262692200;
6701618205;55605779787;7403934578;
57206661214;57206662669;57202282555;57212319769;57202285581;55722544900;
57201390073;
12806823500;57203111443;
56667316400;57202097904;
56005480500;57195920029;36469645700;
37118698100;41261645900;57200044214;57214895265;57211968274;
36133582500;57203209139;
12545319200;57189071051;
56425869200;55781451500;
57211270785;57081884700;
57193155051;57211522459;57205617663;
14523753500;26022736300;
56873848900;57209229372;57209232410;
57201613542;26030370400;57213556813;7201504216;6506748389;
57189728504;14045393100;56049743800;
APVV: APVV-16-0321"
57215350884;57208717025;56959932400;
57196421693;57196418676;57211664436;
57188810661;
57202267173;27171046400;57207469577;57204888891;57193749825;
57214130267;57210967450;57214108492;57211289785;
57204419608;57209304290;
56414886100;57198395102;57203807030;57190276618;
56825562800;56514900900;
57211276375;55217533700;57212460308;
56182725300;16033716300;7201905320;
57192416040;57209397226;6508143279;
Cultura y Deporte
Cultura y Deporte
Somos conscientes, teniendo en cuenta los diversos estudios que se han hecho eco de este proceso de
57212387704;57192938688;
57200207450;57209027627;57205421553;57211263709;
57211924576;57211922335;56921509900;57212921397;
57211758396;
NEFE"
57204553819;57204550222;
57208084852;56751291800;57208136205;57189352017;
57214112583;37111540500;
57212387714;55461390300;21733841100;
57211296667;56825295800;57191107039;
57214099585;57214079906;57214072738;57214072563;57214091157;
57216494803;56027948000;57211477977;57195474632;57211478540;
57191288638;
57212765053;56901017200;
57204187972;36844042400;57210752214;
FUNCAS
FUNCAS"
57212174857;57212169662;
57194600380;57194598938;56509622800;56509586600;57209027814;
7102912742;57208422168;
57195323575;36020711900;57212228506;25724005800;
56425869200;
57210432388;57201112676;57214121885;
57212763066;
57203319893;56614522100;
57209343183;27067562500;24339247000;
FSA"
57200450538;57200437116;
6507893904;55385700500;
41961469400;56829113100;56735942900;
36871585500;8832546100;57194783883;
57209259124;25223150900;6603892191;
26421680900;56482652000;36342708300;37061823400;56003449500;
56725636000;36523822900;39861962500;57192717241;57210123631;
57193325888;57209330097;
57214435812;36133582500;56001090100;
37017427200;56330690100;
57202818339;56082823200;35950555100;
56692754800;57212258049;57194189779;
57141028600;57195517773;8435493900;
57201746307;57211621802;57192860306;
57207874448;56410852000;57207880724;
Scientific and Cultural Organization"

57212313303;57209890134;57201691302;
57209271304;7005100186;
57210123670;6505895202;57206892438;56426580700;56530854900;
6701771031;6603077120;
57213899101;
57209582053;57211468809;57211472528;
57215010829;56069996900;57210152258;
55849152800;24504166400;
36469114200;57209302570;
57212572865;38861007600;24080201500;
56656516500;57211268594;57202114223;6507811747;
55597232200;57211948486;57202308778;57211939841;
6508192723;
57038611800;36045985300;
57189307250;57211624638;57200340676;
57211290889;56825295800;
55866561400;11239173800;55866525800;23098924600;
8385796900;57212494673;36143814700;57212494685;7103364775;36679051300;55571993900;57
NSFC"
57209744959;27067562500;56667552300;14830721000;
57205595829;
57208209547;56022130400;57189642415;
56028283800;56028511500;
56725668300;36617519500;6603769121;6508342178;
57202045076;57208758255;24473533400;
57195261112;57204915919;56282529900;
57210907174;57210907722;
57211473341;23670418500;
57211229850;7003996260;35368074500;
57211270785;57081884700;
36523400800;36548856100;57058744800;
57205679677;57213678010;
57212873340;57212870544;
57211242305;57211244662;57211242265;56979332700;56979324900;
57190757045;57202283774;
56028511500;56028283800;
57210152313;56605115000;
57055653200;7404164387;7401937298;35391665200;55246366200;57203057576;
57200287569;57190764319;56166628800;
56912356500;6505644898;6602085512;
36247183300;36938893600;
57211990499;57213776831;57211991073;37120388000;57211987171;57211989320;57211993447;
Education
57210552966;37028994700;
57195512228;57208498259;
57211411300;57211411867;57202683931;14626363200;
57196150823;6603919142;
57209328079;57151215400;
57205260800;57205264077;
57212044685;57212043306;57212042520;7005337287;
COA"
57212566523;
55949354000;
56644901800;6507840536;
57208110829;57211492660;
EU"
57201620126;54907416400;55664895800;36544532000;
34880556200;57194325763;
57212493045;57196150823;
57202750342;36815840700;57196088024;57189266572;
56394670700;
57209738974;8871883500;
56160655100;51663834200;57208577622;57208575215;
The authors would like to thank Universiti Kebangsaan Malaysia for providing the research grant (Dana Cabaran Perdana, UKM
56188648700;6505942728;
55475314900;
57210583967;
57209343183;57205183649;6508242526;14830721000;
FWO
FSA"
6602888748;57203206720;14029726900;57203203101;
56372596700;24538140500;
57202913853;57194600380;57194598938;
MNiSW: 0057/DLG/2016/10"
36715378000;57209644268;
57214155695;11840148900;
57212504007;6508358567;
57204789855;57199170233;57209310363;57209312616;57211463574;57211460541;
56181602100;56004644500;57211311991;
55012438800;57203989969;
56966766900;57211280996;
55544297700;57209330425;57188397800;
IIUM"
15026570900;15834845400;54417779700;35352721900;11441050000;
57189384160;57208085351;
57204199859;13409679100;23094702500;6603549849;
57211574493;57211575314;57188969337;
57213682751;
57205650388;57205644912;
57214669412;49663102500;35106220200;
15026570900;15834845400;54417779700;35352721900;11441050000;
23094702500;7006239982;53879909400;57203868104;
Early Career Fellowship of The Leverhulme Trust, U.K.; Marie Curie Actions of the European Commis
56582637700;57199147911;57201129002;57204038370;57193060848;
WBG
BelSU
WBG"
26635907800;57194607159;6507639880;7003627285;6701589266;56029394400;8512174600;
57209550066;57193267299;57214721951;57214721599;
57151215400;57209328079;
57201354018;
57212062451;
55843157400;57188653651;
JSPS: 15K17075
RISTEX"
57204197181;6603194759;
8334493200;
36968358700;54973858700;36968376000;
56483214500;55629403100;57206698117;
24437437700;57204463261;
56045125300;13402930000;
EC
P30 AG12815
RII-CT-2006-062193
57205233910;57205238158;57205241232;
56423194000;9272385600;40762024700;7202226710;56423382800;
57192986102;
57202859873;56331359400;
56028283800;55763468500;56028511500;
57190162764;
55991538300;6603832468;57202545389;
57193574431;7005104936;
8982629500;57193553103;26428480800;
56028283800;56028511500;
57200397671;6603318091;7006807471;
Technology and Financial Inclusion

56028600000;6504767321;57205080058;57205077126;
15070992900;57196475205;57203663654;
55492363600;25632346500;57204823050;
56878649200;57202849486;6603919142;
DFG"
56866150400;57190306306;57190410467;55340429500;57190413668;
Universiti Utara Malaysia"

57202764474;57204905955;57204921694;
57200331457;57202950778;57203749743;57203744179;57202957156;16069676800;37009051600;
57205665824;
7003382519;55758599000;57194213620;
15025817300;57207325577;57200407401;
57191544242;7801484305;35491338100;57197786236;
56998731500;57203728953;57203724645;
7403149896;57203159284;24484680900;7007153054;
The longitudinal survey was funded by the Government of Canada through a grant from Global Affairs Canada (Grant no. S065
8971021400;
57212743253;
57195571565;56085844300;14063418700;
34873522600;57202042997;
57193574431;57203625951;
56652716600;56607281600;
36971191400;
57195133687;57205441411;
56429507900;56073924200;
56574148800;55366527100;
25223985800;36810858600;57205338377;
57200441840;
Penn"
57204843169;55672264000;57196417727;6701755437;
36494885600;57204293102;
57189762247;57202417931;
35332872400;57200040495;57200044006;57200044880;57200045230;57200044233;
36968358700;54973858700;36968376000;
55843157400;57188653651;57200174377;57200177823;
JSPS: JP15K17075
Funding This work was supported by JSPS KAKENHI Grant Numbers JP15KK0083 and JP15K17075; RISTEX JST; and a grant-in-ai
56104681900;8325183400;
57190031496;17344948600;54391517900;57105718000;24460878700;
FP7
ESRC: ES/J500112/1
ERC
1311-KEA-004
This work was supported by the European Research Council (ERC) under the European Union’s Seventh Framework Programm
24775181300;36615036000;
55848819600;
57203288551;57203288486;27167866400;
55391933500;36795541400;
8435498300;7203008324;
23467389400;
FP7
ERC"
57194096273;
6508256410;56958610400;55973944500;
NIH: 5R01NR011182-06"
57201914476;57192076929;57205486733;56038913800;57205483629;36464991400;7801685759;
57190574122;57190565890;
25930169900;57204703835;
57193860272;57190262059;57203577258;56820137900;
57194557682;55860758100;
8892658500;57202302822;
57197763002;
56123141400;8564379000;
16645041600;55417028100;56727216300;56895791300;8214890500;34973416000;
57198428305;54950189500;26767809900;
55366527100;56574148800;54950189500;
54950189500;
56494221400;57202943613;
36069838600;57202834712;24334720500;57202830906;36618183700;
Ministry of Communications and Information Technology

57202831858;57202831575;
57191770425;36088934100;
56584760700;6603290173;
6507461266;15060531500;6602948229;57193651757;57193652162;
55758742200;7006747029;
57193556196;7403169216;
35557999600;57198443841;
DFG"
14119317800;24339247000;57199408020;
57189728504;36871585500;55185318500;8832546100;
55224277500;56100675500;55967185700;
57202308778;57195913302;57194502132;
56211517300;56033533200;6506818985;
12795779400;35782546300;
57202200040;51563546800;51563493400;
24468595800;57189574542;57160808400;6602326995;8448878800;
55159786100;
56865814400;57194573052;55824793900;56089666700;57202816541;
57203187749;19934336000;
7006964550;57201313030;36020548900;
7401937298;7404164387;7501533467;55246366200;57202534074;
57190764319;
6701594007;57215106960;6506992844;
15070273300;56948292100;55968829000;
24368996400;57200789225;8206451100;57200790236;22936687600;8652844200;57200800060;54
26428480800;57200688081;57200687888;
57076857700;57170671800;53878411200;57211555723;
57196197985;56287279400;57191036230;57202919611;57196193607;57194587202;
57213899101;
57141028600;57195517773;
57190817775;57203298722;57203302437;
56586889600;
57200068416;
7401937298;57203057576;7202466439;7404164387;13003767500;55246366200;
NIH: K23 AG40625

57202378151;57202385769;36832308800;57202384091;57202383126;
56285657700;57194411934;57194408797;25224071700;6603904733;
7405386442;55308076700;57201883164;
57205600425;57205598134;
7004123400;35730144200;36504162100;7004145149;7003475703;8214890500;
57213062498;56905064700;
57202865544;7202926846;6505906790;
55827598500;
FFG: 842358"
57196424438;57206128137;
35746410200;23111327900;6507832630;
57188723711;
57192278117;
57189273206;57204442086;
57204440073;57204440256;57204441303;
57214771095;57203849312;
56376269100;57194712309;
47862147100;57202302501;
57136478700;57193778204;
57213212437;57188561369;
57190970924;
57202266869;
55917859500;57215728108;55312812900;
57199841150;7202498174;
55357198800;
57202501777;56240179600;
57199996599;57194548563;57199994619;57173194700;8412486300;
57201856730;57201859171;57195970221;
57212258049;56020802900;37075711700;57194189779;
56878649200;
DFG"
57201726002;55255158900;35767083400;
57201620126;54907416400;55664895800;36544532000;
55385700500;
57202967151;15730469300;
9535872200;
56028283800;56028511500;57201613714;57201615464;
56204899700;6701563986;57204793954;
37041230900;57203534424;
57190031496;57200288239;55349316300;57021447200;17344948600;56602893100;
55512324800;6506024867;56263831500;
57201734669;
7202361461;6603865715;35791328700;
7004109622;57201392997;24482073400;
25221262100;
57201442144;56331756600;
56922079500;7102867632;57188716394;36019487900;55802910900;57201299077;6603563825;70
56574148800;55366527100;55257596100;
6603490309;
57002428700;55088512800;
Taiwan
36932166900;57188872397;54789602000;57201691660;
57135802000;
ERC
ERC: 283754"
25225739800;57199841548;
56406514600;6506269193;6603530498;
We are grateful to Elena Asparouhova, Colin Camerer, Peter de Goeij, Alberto Manconi, Charles Noussair and Stefan Trautman
23094381000;36793511000;
55181757800;
37070307500;7201981365;
57201773788;57201774910;
56330932700;56330561600;56299277800;
57200297719;26532233700;
57201351686;57201350081;
7003628431;
36695904300;12806052600;7006209225;
8738270200;
6602900308;55608603300;57200860107;56826206000;57196352529;57200858068;57196354546;5
57196066151;55990142800;57207945814;57207690813;
57198428305;54950189500;26767809900;
56962728100;57204686680;
36894471700;
57203642896;57197786001;57203642904;
57190024304;57194286237;
56973382400;57197763620;57192230803;
57203097616;
57210013508;56566080100;35095486000;
57140320400;
57202831858;57202831575;
57202495227;6602595668;
E.L.N. acknowledges participants at the African Econometrics Society Conference in 2014 for their insightful comments, and fu
57206691707;56820137900;57215189766;57203577258;
57191991703;57212765596;55392631900;55827122500;
ARC: DP140101031
57200036476;57200044136;
56189221400;57203914551;57203912983;56188641900;57203920685;
56414886100;55148113500;57203807030;
57200632648;6603631362;6602290171;56020806000;
ANR
Financial literacy is predominantly treated as consumer education strongly emphasising individual age
55978022400;56286219300;57207890103;56763611400;56764731500;
57190162764;57195426526;57210738161;
57203403233;57201949117;
6507854042;24080277300;57203125255;35772992400;7004675276;
57202376359;57204196315;57208961400;57204666504;
57197796222;
57194172694;36133582500;35118965000;57205231048;
37017283700;35090527000;
57190862941;57190853632;57202813630;57200089476;
57205266912;
37017283700;35090527000;
57201427208;57201427492;57200071648;
57023824100;36548856100;57211027639;
8334493200;8449717000;36599805400;
56331429800;56005193300;56331315100;
57190751356;
57202831858;57202831575;
57200437116;57200450538;
57200582243;6602599416;
57195261112;55303206300;57204915919;
8575283100;56049743800;
7202466439;7501533467;10046255700;7404164387;6603251223;55246366200;57203057576;
57196193017;
56157838700;
57203069923;
57191838852;57202975188;36997331900;
57194490425;
57190306306;57201966848;57190410467;55340429500;56866150400;
55312621800;
57204968440;35810211000;55744729400;
6603222614;56278525800;
56825562800;56514900900;
57208321382;7401502029;57208319027;
57206721879;57206728363;
55880475400;
57194398869;55192636900;25926649800;36774307100;
55605516700;6603832468;24376458800;35389612600;35388288300;57189794237;55016566200;9
57194598938;57194600380;56509586600;57205611402;57205614904;57205618460;
57188723711;
6603325276;57202869363;6603340062;6603590794;56091760900;6603832466;56520055500;
57192994419;55599356400;57215535992;7202355431;55349661500;7004927656;
57192941517;51864409400;6506308227;57191439114;
24461621900;6507718046;57200144079;56986564200;
57190941619;57204137002;57194873681;57191346837;
57194509902;6604021298;
57202945357;57204123606;57204126441;57204123147;
56331942800;35179641200;57201788802;
Penn"
23012741800;55274535400;55273551000;
55944499300;
8421264900;55368288900;
56656516500;57211268594;57202114223;
56988298100;57191034656;57191041114;57193432385;36550333000;
57192367079;57200121337;
DFG
UDE"
41261645900;55536320000;35253283800;10041082800;57200044214;
7402067221;57192084541;36662998700;
7202498174;57199841150;
57193222278;57199745111;
[No author id available]
57209279279;54956705100;
57202501777;57191988486;56240179600;
57202250723;7003285994;
39261827000;
57212951994;55605772689;
55903468300;57195641915;7005308107;
56330932700;57205614307;57205620893;
24077141700;57208298033;
56366632700;
57190174089;57190174228;55433501100;
57147612300;57148001200;
57211350218;36094902600;57211346659;57211350591;57211353507;57211352130;
55382810800;55375773100;7403647829;
U-M
Acknowledgements The authors would like to acknowledge support from Ian Deary and Chloe Fawns-Ritc
22934852500;7801630367;56628487300;57194226015;57212184398;36190896200;7004211277;
The current research was funded by the Rockefeller Foundation through JPG school of Public Health,
56884448900;57201848620;36621020600;56884789500;
55907400800;57196740199;13908337100;56231425600;55849152800;
57204327932;57204312070;
7102111040;56910060800;
57202905533;24923234300;
57203993651;8435498300;56896628900;57201351756;
NSFC: 71573147
57194239969;57194235475;
36709112800;
57049332000;57214140596;56946269400;36182265000;56946695700;55554152600;
55865944700;8616482900;
36006607400;16024601400;57201268344;
57195556418;57195555519;57195556498;
57200322919;
57198449235;7003701484;16401411700;
57203963626;
57195555519;57195556418;16023934000;57195938006;57195556498;
36344067500;57200657885;57200649506;57200640674;
8982629500;57193553103;26428480800;
57192212409;13005043200;57189000016;
NRF"
6603247728;57191283830;24376458800;56443858000;35749643000;
56113018400;
16314942700;57195474141;8716177800;
57196414910;24278668200;
16306649200;
56048711200;57196468525;57196466583;
DFID"
57196235472;55382201000;
57196025569;50161894500;
57194096273;
57075825200;55793189327;
57196150823;6603919142;
57207566044;7003474008;57193338591;
57197798668;57201718539;57201718581;
57024115700;7005915527;
Casey gratefully acknowledges generous support from the Radcliffe Institute for Advanced Study, Harvard University.
57191541038;57192817999;
26635525400;
57196198122;57204843415;
15844419200;56528466700;
DNB"
57190161467;57196243936;41862365300;35798155500;43060974800;54385025000;35741528200;
CIHR: 142877"
55584879800;57199998829;
35209123100;
23984574900;16488949100;35209123100;
57209182977;35240552000;6701357820;55209917500;57190300912;
22978220400;57195261112;55303206300;
Cultura y Deporte
56600054900;
55642539000;56582511800;57200121857;
Malaysia
We would like to acknowledge the financial support provided by the Ministry of Higher Education Malaysia under the Fundam
57192189860;56754273400;
57210013508;56566080100;35095486000;
57194140615;57196480249;
6603077120;57201788802;
SSA
DOL"
57201401108;57201405400;57201407928;57193723145;
57196279888;57195776732;
57196740054;7201473845;55433832100;
35183653400;35106809500;
57196193017;57196196995;
57195480990;56508968500;15025845800;
We thank the editor Michael Chernew and two anonymous referees for many helpful suggestions and comments on the pape
56169117500;37120388000;26532233700;
FNS: 58-5000-3-0066
56942699100;
57196187726;57196196324;
thegoods,maintenancecost,andgivingguaranteesontheisprovidingtheleasedgoodsorservicesprovided,bearing 1. S. A. Cole, T. A
57196193479;56962728100;
57196190624;57196189980;55932543200;
56108467500;57196188089;
16306500500;26027483500;56544715700;
EEA
EC"
25921527600;
57192938688;57192938747;57194763137;
56544883900;43060974800;7402306537;
LKSF"
57195330008;57018320400;57195331661;
55897796700;
FP7"
56969274500;7102335252;57192113723;
Research for this paper was supported by the project Financialization Economy Society and Sustainable Development (FESSUD
55664395400;57191836884;
55443240100;24339529400;
This work was supported by the Ministerio de Ciencia e Innovaci?n [grant number ECO2014-56102-P]; Santander Financial Ins
55992180200;35221325100;57188820189;
57196414190;
35 TNS BMRB, Financial Capability and Wellbeing: A Qualitative Report (Money Advice Service, March 2015) 5https:// masjum
55159786100;35950555100;
56921792900;6603077120;7101823347;
36931158800;55314016800;
6603077120;56419857800;56759026700;35766361500;36640980500;12445996400;
57201788802;
55473888600;6603077120;57201788802;
57197870680;55623929400;
7203065569;37065125600;57193859293;36961322300;55318170300;56682024100;6602968137;36
7005222813;
57196414190;
57095086300;57196114180;
57188589820;55983726100;8435498300;56896628900;
NSFC: 71573147
57194557858;24775828700;
57194794275;14042935100;12785704700;
57131599600;57002428700;57194109566;
35557999600;6603077120;6602758336;15849387600;
56180912000;55465908600;
56056469400;
56584657100;56584670800;56658694500;6507410840;57189895928;
55295475300;26326030000;
56857249200;
53263085100;55568518869;8893356500;37030510100;7004657404;
55848995200;7004305476;
35884612300;36349840900;55648887100;7006516129;55258744600;57194173279;
57192672554;
24437437700;50462718800;
24437437700;50462718800;
55700242200;55764444100;
8630348700;36608594100;33068052500;23028407100;
Taiwan
6602231734;56730882400;
56131323900;57193240600;56469176700;57212780260;57193241370;57193242743;57193242896;
This work was supported by the KPT under Grant No. 600-RMI/RAGS 5/3 (90/2014). Universiti Teknologi MARA (UiTM) is ackn
57188637928;6603257802;7102085446;57193690325;
6603921865;6603160555;
56028511500;56028283800;57193684697;
36864008800;50362200800;7006681538;
57212258049;56692867500;37075711700;56692754800;
37050113100;55971053200;55377275700;
6603921865;55907694500;57193684425;57193676976;6507697998;55430527200;7203008324;571
57194398886;
57194398032;
57102872100;6602386332;7101749896;
7004114269;36625640400;57192837943;17435613500;
7501437586;56996724400;
57193794407;
57194347323;36983165700;57194344429;
57194347323;36983165700;57194344429;
7501533467;7404164387;7202466439;55246366200;57203057576;
NIH: R01AG34374
57193574431;
24077173600;7006252711;57200637907;57209312293;32867787700;57200638099;26039402700;
55849152800;18635017900;
14053754800;6602449031;57193216553;
15026227800;7005070075;
41960963500;23388198400;24740807900;
6602992918;25223150900;7801540830;
53980125600;25226344800;7003559267;6603251884;
7005222813;
57206447116;7202389129;23496482100;57205987771;
57199145706;6506930049;
35953159100;6602569430;56394218500;6701309943;57191257195;36927793400;36495047000;25
37050113100;55971053200;55377275700;
56482652000;56003449500;
55974552000;54797407000;
57191205032;7801496696;
56748504900;57203258924;36667249200;57203233997;24559254500;7006784201;35452627500;
WT: 069683/Z/02/Z
NIDA: F31 DA036961
University of North Carolina at Chapel Hill

56692893400;6603020270;56711272800;57195988190;57195991850;57195986770;57195982306;
54879386400;15849168000;
57202750342;57193346916;
56825562800;56514900900;
56825848300;56497898000;
57204024038;41661843300;36238682800;
UiTM"
36810858600;25223985800;23990024000;6505817952;
37118698100;57200044214;41261645900;57195902501;
55827740000;57195921809;8206634300;
57204889594;56940629500;57190669696;57191202984;
56300830300;57204889119;
56973382400;57192230803;57197763620;
57191544242;35491338100;7801484305;
57003619200;57195642065;7801484305;57197746015;
6507893138;
56158486600;7801421893;
57193574431;57203625951;
57191189188;9740254600;56049665000;42962373400;
26026924300;57197727988;
13402930000;16400877900;
36519718800;56020423400;
57197787433;7801484305;35491338100;57197786236;
7402857971;7003529431;
57188700954;
57204889227;56300830300;
57196067461;56880419500;56880411600;57195344410;
57192299621;56166269300;57191853006;
8435498300;57190986542;
23481895000;36462942900;6603000854;
56211517300;56033533200;6506818985;
7005305727;7201401424;7003826621;
7003547537;57200798480;57200792886;
57195129981;57195130050;
56559418800;42462455300;57194760518;
57197798668;55575325700;
8575283100;56049743800;
57195227231;56940862000;55505956000;57195227030;56967928700;
56431060600;55794818800;
57195234660;57200441193;6508070248;
57188849636;19337883700;56050568000;56631524900;12238974100;57188855408;
36864008800;
55744186300;57197731303;57197735544;
57200147930;35368306700;57200151543;
57195420231;
35739352200;8334493200;
36133582500;57214435812;57201200514;57201196079;
57202130225;57202130016;55941933800;
6603222614;56006147300;56278525800;7006939310;
57195756443;24448658900;
57197754648;19337263100;
57191189188;57195902658;9740254600;57195512965;
55473888600;6603077120;57201788802;
8523818100;
57197735530;7103158562;
6602655127;
57195571565;56085844300;14063418700;
57194225199;57191988582;57192069442;57192066987;
57197793601;
55390199100;57202471006;57195133209;
57193749423;57196473681;57196473455;57196473250;
36133582500;57216280420;57201199354;57216279748;57216280931;57216279275;
57211750989;57196545781;
57201200471;56275230100;57202607713;
8523818100;
57192410275;56966376200;56966376600;
55452891900;9038926700;9243753200;
7003980616;
57191903782;36679507200;56188648700;42860990400;12143019500;53463248600;
46461157400;15726874700;
56737200500;57201070894;35573191900;
6507496101;
12345245500;
23094702500;
26432601900;33768159700;
6602834804;
8523818100;
57201692894;6505549242;36241207500;
57194600380;57194598938;57193065005;57195467706;
57208618680;
57197759285;57193647534;
56403185000;55047572200;56313512400;55485575600;57196486043;
57191257195;6602569430;
55523946100;
55642539000;52365120200;57195943696;
UM"
7402533639;56624728700;
57194637600;22938623700;35269724600;
55642539000;52365120200;57195377369;55968241600;
56536247100;14632784000;6506844957;7402442108;57208011578;56884072100;7005511999;660
NIDA: K01 DA038529
Research for this paper was supported by a grant from the National Institute on Drug Abuse (K01 D
6602274167;16646715000;7003287581;
57191975769;57191974390;
56600054900;
47862147100;57171669400;
54883025500;35615476300;
57193241370;57193242743;57193240600;57193242896;56131323900;56469176700;57193237424;
This work was supported by the KPT under Grant No. 600-RMI/RAGS 5/3 (90/2014). Universiti Teknologi MARA (UiTM) and Ag
8370421600;6602386458;57191833015;
36931158800;55314016800;57193235631;57193240426;
56543553200;7005070075;
57190754662;24173189000;
55949706800;16041970300;
7005222813;
6602987268;14421551900;36117655500;
55982565400;6701387063;7003931245;
56540067700;57214966062;56539923200;
57203027095;55512229700;36624786800;
57192186071;6603087322;
57190162764;35077401400;
55246904200;
8435498300;7203008324;
57191902957;
29067963400;57188880236;
56707515600;15849387600;
28067452800;36844361000;
23111327900;35746410200;25926579200;
26434127900;56025941100;56974243500;
56275738000;57191478873;57191482973;
57192266767;55917859500;
56028283800;55763468500;57197805082;
55917340900;7006086179;
57192012436;57189794237;
36968376000;36968358700;18134791600;
56585242400;13205711200;
6506592025;
8948468900;
57190574122;57190565890;
57190565751;25630603100;12143019500;
56667316400;
24823591100;57191278598;
55487980200;57193095019;6507639810;57193094593;37014229300;
56316428600;57193708868;57193714505;
8892658500;57189714250;
13204497000;7004396495;7003701484;
6601969237;55431436200;56922062000;
57189712737;56402820500;
57212258049;56692754800;37075711700;
57185773300;57185589600;
55504414100;57190175886;57190175200;57190162061;
57188691727;57185791800;57184875000;57185210400;
56069781700;
57190684515;36462533300;57190681142;
7801421893;
25921527600;57207498502;
17435078000;56685826500;55547134963;
55485575600;56313512400;55047572200;56403185000;
6508256410;56958610400;55973944500;22939972000;6701352308;7401438129;7003418034;
NIH: 2R01NR011182 - 03"

55314081200;55311440300;
57189642965;
7401859828;6602845027;56896060400;57190258542;57190247032;57190251763;57190252463;
55882553100;
57191839200;
57211728255;36049464300;
7003332637;57161022600;55634312300;57190064370;55421483900;
14017621400;57190006144;57190004863;57190008125;57190000753;
7006981468;7006901432;37029911000;
7404748011;7005243278;
35090527000;
56179962200;
57210769078;57189525321;
55995887400;
57191041937;56178586300;57038738500;57191042783;57191037957;
56982696800;56698380500;
24553665100;55183790300;14051024400;57212914233;
USAID
BMGF"
13003767500;57203057576;6602716580;57207904375;7404164387;7202466439;55246366200;
35221325100;55992180200;57188820189;
56921520800;56921450000;7402277399;
7004606359;25228881200;56419857800;
57214353334;
55701670600;15840699100;
56028283800;56028511500;55763468500;57190807839;
55464127600;7103072819;56845672500;7202495635;
57190514244;55838700300;
36992243000;
56997337100;57210061130;
56394218500;55341778200;35996892900;36992243000;56887436500;37111051000;6506854194;
57195509291;56027788100;
57195512779;
56394218500;55341778200;35996892900;36992243000;56887436500;37111051000;6506854194;
6506665262;56305174500;
8334493200;
57195512228;56027788100;
57195509055;36992243000;
16204672800;
57194106505;
57195512362;56898540700;57195518709;
55308076700;
56394218500;55341778200;
56358225600;
8333263400;
6507697998;
6603832468;35785824300;
57213899101;
7004675276;57195508407;24080277300;
8856674900;
57195519203;
18635017900;
7203008324;54885425600;
15925133900;57195513693;
56029336000;55623929400;
8620683700;36992243000;
57195510087;57195512429;
56500638300;
56306716200;38861007600;
57195516879;
55916261400;57195516921;55917442900;
36927793400;6701309943;36495047000;55652369900;
36143814700;
16053750900;57195509418;
37111051000;8832546100;57194783883;57195512771;
6602521577;57193502002;56274740100;
56574148800;55366527100;54950189500;
CNPq"
36090336800;36521740200;
57194068592;
15761801300;
57194066303;
14057450700;6504034503;56414843600;
UGM
UGM
Malaysia
CAAA: AAAA"
7006313177;57193172658;57213459105;
9336727800;35610479500;39361361000;
8256426600;6701834318;35194504200;
35213332600;7801610915;57201788802;57004727000;
47062073100;55837683900;
57160086400;
6506709911;56049305400;57188766059;56049601100;
57212258049;37075711700;56692754800;
57212258049;57201491966;57201489770;
7402860192;57001555900;57002017500;57002428700;
47062301500;55880475400;36010608300;35238155600;57213735016;6602386458;
56589463800;
55240468600;57006551000;
55827125900;
7005222813;
7005873491;
57203619693;
57203617452;
57203624361;
57203620768;
57203623384;
7005873491;
57003619200;35491338100;7801484305;57003452900;
57186145100;
42161652900;7102271193;57002776600;
57189251281;55366527100;56574148800;57189251854;
57190024304;
6601996174;6603921865;
57191288121;56178586300;
55765720600;7003781418;55226422200;
7006747029;
24474167000;55849846700;
55390814300;
57190970924;26532233700;
55390814300;54947338700;
56481612900;
57003619200;35491338100;7801484305;57193631136;
57191841921;57191849877;
56823515100;8423020600;
55189906900;35810211000;57196740199;
56205623100;56206043000;56926691300;
24463800100;6603357187;26532233700;
57192830923;57192830922;
57198046295;56359137400;6506266920;
57192065937;57192066987;57192069259;
55848995200;57211588597;
57192090470;57192090257;
8449717000;57189329271;
8714576800;
15728216400;
6602220518;55090347500;57193360955;
9740254600;57191189188;37057858300;57192834268;55428877700;
57190128796;
7202769640;7102593126;7201996634;
57191378454;57188463000;
55771551600;
57114083000;
56070116800;
57192297596;56237014600;55985019400;55537900900;
57195387346;57190132432;57190129441;57190127020;56963472200;56963081700;57190122944;
6506771565;
57192703393;57192691079;57192696086;56300155200;
57194172534;57192176865;57194172150;
56500664500;
56004644500;56181602100;57191439683;
56902368300;57190408904;57190415800;57190409378;
53979706800;6603895625;
57191492631;8638680700;9745702000;
57193265674;24480476300;
6701489112;7006636225;56732782100;
36462942900;
57193956286;56070310000;57189591949;54950189500;
16067541700;55793798100;57188983303;
7003425434;24475948400;57192072141;
7201679983;56727814100;
57190025427;57190028257;57190021316;
57191415891;
11239173800;7006231187;36502696000;
55662559200;12779433000;56187288700;
57201788802;
57127872200;57127590100;
57210734281;55440421300;
CDFI"
56118176400;57196279888;
54929919600;55253136400;7101639289;23134905000;
57188845879;55973315300;56245646700;
57201198063;36133582500;
55751330000;
54417804200;6603832468;35069683500;
56086027000;
57194557682;
56260913600;56458949000;57074056700;57074037200;57073873900;57073851300;56530809500;
35070031600;57210785795;57210799580;35789736400;
57193338641;57203858960;57193339569;56136358900;
57188743227;57190288443;
15063360300;55225811200;57191667736;24332163500;36675513200;57188735582;7004756014;
18037083600;
55100281100;
57022357200;57193255405;57212323089;
57190233165;
57191664177;57192832907;55135796300;57192983046;57191667647;
57190067861;
55761353100;
7401692631;55355317500;56658727200;6507523123;35487640800;7003414903;9436248300;3551
56878649200;7801610915;6603919142;
DFG"
26533743900;23984790800;
56183959000;7402558088;15725824600;36741254900;
6506665262;57155890400;
6507788164;55416201300;
57188743227;6602150404;
56890755900;49864095600;57193072753;
55979043900;56956507300;
7004123400;56452208200;57002408900;
We use data generated from a discrete choice experiment implemented in 2010 by the Centre for Pensions and Superannuati
13003767500;57203057576;7202466439;7404164387;55246366200;
NIA: R01AG33678
AFAR"
56919417600;56919497900;56919136400;
56825848300;55842031700;
7003826621;
54885425600;
6603077120;
55417028100;36696715600;8618147800;
56732782100;56732718000;6701489112;7006636225;
6507893904;
6602297280;
55513522200;
36195772000;
37097845300;36894911200;55633427500;55056326400;
55584791316;56747856900;55646363000;
57190408881;56181601000;57211514379;55683908500;
6507540226;7005104936;7801444775;
8334493200;36599805400;8449717000;
56825848300;56497898000;
22837066800;14830547000;
8435498300;55268871200;56677028400;
56912343100;
25924897900;
56574148800;55366527100;26534213400;56574318700;
CNPq"
25633096900;36098922600;56072623000;35114448800;49864732200;7003337651;
55605516700;8530539500;56076296800;
57190168031;
55824873500;6603937504;
6507605183;35519373900;
25630603100;37056406300;12143019500;
56780962700;
6507541353;22981114200;
23488463400;55484048300;56203333100;7202695968;7202137456;
24740807900;25923949700;16424769700;
24401145700;
52464839000;36657960300;55471353400;7201905320;
6603077120;
55940059900;56422098800;
55626873900;56582442700;
56222805300;8575544300;54394770200;
35606454600;
55452891900;6602383706;9038926700;6507357648;6603216484;
6603077120;
7005222813;
36133582500;56960017400;
15049158800;55967781000;
7006770049;24437437700;50462718800;
ESRC: ES/M010147/1"
57204070717;57204069674;
14042935100;6506437325;48761691200;
6603806968;7004583792;
55848995200;
56600054900;
The advent of financial literacy studies in library science literature aligns roughly with the rise of general media coverage and t
55102951200;
54968795700;56897165200;
6603490309;56595213800;24729483800;
56887436500;
57003043500;
57112541600;55751871200;46061448400;
16306500500;6505878772;
14029397700;8560804200;57140320400;
54968795700;56913114200;
56754858900;55842031700;
7005683888;6602750007;56600171600;
56823515100;8390725500;
7007018811;15026227800;55824485200;56803447800;
56692410100;6507850331;
56727814100;
55917859500;56584417800;
55776496900;7006855144;7402566281;55903337300;
54968795700;56913114200;
6603822883;
26540710200;56643825700;
26032005900;
56600737100;56599699300;
57194777979;
24740807900;25923949700;16424769700;
36611369800;36894427500;36894555200;55520802100;
56574148800;55366527100;55257596100;
43361641100;7202773740;
UofM"
36133582500;56960017400;
55777505900;
6504500085;
57188843132;
56463616600;56342229600;56048135600;
53980125600;16317807900;
56820146500;56819944000;
6603792748;20436686800;
56964489500;56963715300;
16400877900;13402930000;
7003523742;57203057576;7404164387;55246366200;
7202965937;55765035700;35168116800;
55917859500;57192266767;
N. Harrison would like to acknowledge financial support (Grant reference SG130227 ) from the Leverhulme Trust via the Britis
24339247000;
36639189500;55268008300;55581012400;
7102593126;7202769640;
56716223000;
36707314600;
57212258049;37075711700;56692754800;56692867500;
35746410200;25926579200;23111327900;
56810443600;7004388732;
17346752000;
15925133900;15925483500;
56703395200;35210224100;16068973800;
57148439100;57146415800;57145894700;
57038025900;
55756086300;56786257500;56785456700;23098924600;
56712532100;56712383300;56047247000;
55961247300;45161703900;
23009454300;56897047800;
55376947900;54403645600;
57188860143;57188849053;57188848549;57188848955;57188853765;57188853923;
57212164298;57212164360;
53263115100;56041050700;57212816643;
56818813600;56819015500;56819096400;56818762500;56818769600;
6505799540;
57015655100;36620065300;56922288700;57015561500;
57203420360;7004764268;57202419887;6507639810;37014229300;
55961965500;8423020600;
55257698500;11438901000;
36551598600;
55475314900;
55372253700;7403461030;16246173700;
56439528400;8435493900;
55605516700;8530539500;6603832466;36019895400;
14830695300;57200947269;57106237300;
56905291500;56031320600;6602710360;
6507541353;22981114200;
56136156100;55967813300;55471529900;
55827598500;6508249673;
36522298700;36524484300;
56865715100;37010568900;
36349840900;54934389200;
55905179600;13204855700;
56625521800;56215766100;
56678489600;56678371200;
56678489600;56678371200;
56543518700;
43762039800;57196740199;56527472100;
36141182500;
56971102300;33068459800;
24471883000;56440047100;56440135500;7006621849;55953876300;7004454931;21934858400;56
6507394076;
36157844400;
55566840600;35333151500;55258499900;21741293800;6602236109;6602527704;23967641900;74
55882742500;
56672864100;56672992600;
56625438000;
24437437700;50462718800;
26421680900;36342708300;37061823400;
SSA"
55587613000;7004074055;8512174600;14422314300;46761298000;6603287126;22135537900;378
6603077120;
57195447141;55268871200;57211687198;
57208113505;55745106300;57204421299;
36133582500;56225674200;
36917915100;16070359800;7103116848;
24468595800;55799571100;57160808400;
36450037500;56105275900;7202304945;
15070392400;12760931500;6507830742;
56117285900;55710917500;6505814876;
35877763100;
15849387600;6505671291;
7005727741;7202327611;6507697998;
6701800353;55716724100;
55893531900;25655003800;
56046524300;56045525200;57197191752;
56919417600;56919497900;56919136400;
37076776600;13605031500;16301582700;
54890318200;21739085700;
21739085700;7202304945;23098924600;
55366692200;55618248800;55581918900;
7003425434;56099716600;
22981441400;
55535807000;
57200073619;55981906400;
7402868784;56730212200;
55983068500;55983726100;55608915500;
55522647500;7202125193;7202760128;
55389671400;56004774900;
7201796260;36522786100;56290681000;
55791070100;55749502200;
15925133900;56037457200;56037254700;15925483500;36524484300;
8370421600;6602386458;
The data come from a multiphased project, funded by The Allstate Foundation, designed to evaluate the
6506665262;56305174500;
55776452700;8423020600;47762005900;
35606454600;
55390814300;45161330200;55390199100;
54971195300;55605861600;
25638416800;56397140600;
6507697998;6603921865;
56107220000;56106976500;56107056600;
13003767500;57203057576;7404164387;57207904375;6602716580;26642949200;55246366200;
K23AG40625
This research was supported by National Institute on Aging grants R01AG17917, R01AG33678, K23AG40625 , the American Fe
57200586058;14047378100;
55849152800;24504166400;57196740199;
14049055300;56152022600;
57074448600;57074568000;35996892900;57192168368;
56157814400;56156799000;37057754300;16311020000;
56086027000;
55340268300;55982565400;6506746692;
55673759200;56394436100;56710839700;
56088010100;
35213245400;7403674894;7003309078;
54179765700;48361460200;55926408300;16445046200;
7004123400;35730144200;6701567319;7004145149;7003475703;8214890500;
35557999600;36635368800;
34771888000;
57214069483;57198299077;6506138259;
56335796200;56277860300;56335836800;6602411961;6507255889;
6603077120;57201788802;36154332600;
16306500500;56134948700;
55223685400;
6603077120;57201788802;
56103659100;56300591400;7006970419;
8435498300;56282381200;23010200000;7202796130;
24371065700;56060704000;
35386115500;37114681600;
49864432800;
36519718800;56020423400;
35090527000;
56647920000;
55458341600;
15026227800;6602095103;8984441900;
55201580300;56431288700;8322872400;
6603020270;16300939800;56374695200;56374249600;56373905900;56373746900;
57194809666;6508003960;
15124610900;15131706100;56598563900;
56989063800;
35622548500;56580230900;
56415002600;
56115766900;7202304945;23098924600;
55536669500;56069380200;
54790508400;25824269200;56236253500;
6701762750;
6602987268;
13610797600;36470393600;55473530900;24460983700;
56366536900;56366590000;56330217700;
56495450900;56494481700;6701655499;
7005792478;48662658900;55195745000;
35978764700;57209384711;
23091601400;6602126151;
56123141400;55786541900;8564379000;
6602881071;24402219400;
54583568600;55366527100;
CNPq"
54795207300;7003371317;15062840100;
57209149323;36514914200;55553031300;7003894474;
36631474000;15726874700;46461157400;
55473888600;56286915700;14829234000;
55500365500;56968049700;
36621396900;6507698628;
16070359800;56120141300;7103116848;
16307479600;55544330900;
AERA
ED
NSF: DRL-0634035"
56642706600;56642574500;51663403500;56196582900;
56805224300;56805236400;
38861007600;56306716200;6507187803;
6602521577;56274740100;
55293047700;24081211700;6602495787;7005253388;
8516048100;55965552800;15059858000;
56076734800;16021706200;8921287000;24368890600;
13907062100;57209127838;57209122338;
56414971600;26031968600;
12445996400;36640980500;56759026700;6603077120;56419857800;35294192600;
36611421900;56469635100;56005480500;36469645700;
56341684500;24331484500;6602092959;
37097845300;36894911200;55056326400;55633427500;
55623929400;
56021038100;55771739900;7003607325;56019770100;56020874300;
56189221400;56188610200;56188641900;
55590496000;57197062371;
56042221700;
6603600807;
1 Financial Capability in the United States, a survey sponsored by the Financial Industry Regulatory Authority’s (FINRA) Investo
57194873565;8291606300;57194868369;25621411900;57194869374;
55750464600;
U of S
CUNY
John Jay College of Criminal Justice

55827705500;8423020600;26532233700;
6506215873;55568518949;55437040900;
56005318800;56009743400;
56221488200;54885514100;
47661716300;7004537302;55936365800;
7202466439;57203057576;7404164387;55246366200;
6701771031;6603077120;36675513200;
7501652290;6602605043;
36544840000;55907596500;37091511400;
26533856300;22834530700;
55435525300;
34767939800;7801506104;
55362218500;24467064100;
14057449600;26634266200;
16678388200;24480503500;35237052800;15124298700;
7006747029;
these same bodies, aimed at redressing some of the deficiencies in financial literacy they and others h
24474167000;
is a Lecturer in the School of Criminology and Criminal Justice at Griffith University and an Associate Investigator with the Aust
55848972300;7005305727;7003826621;
35223557200;
55180585700;55911377800;
37088735100;55744328400;7404679960;7401971243;
37120388000;7202012123;55845920900;
35738603500;56653773800;7201559507;
55808726500;36156213500;
42160966100;55820903900;14833416100;7102867632;
55848995200;57211588597;
7201627015;7404164387;7501533467;6507470113;7101625478;55246366200;
NIA: R01AG33678
NIA: R01AG34374
NIA: R21AG30765"
57206242036;
49963031300;55835050800;
15049315900;6603691009;
6603806968;7004583792;
EC
NIA: IAG BSR06-11
RII-CT- 2006-062193
55437040900;
36635368800;55736097400;
36182250500;8589042500;
24512308900;8622257000;56221488200;
14124120200;
55536669500;55776872800;
7006770049;24437437700;
7003628431;36604228600;55799755400;
SSHRC"
10044254800;
University of London
Shell"
6603921865;6603160555;36766823300;
14124151000;
36052268100;35484493700;36537707700;55790520200;
55982565400;22834956900;7102716111;
6506975193;55756577500;
35337986800;9535668000;
35606454600;
36450037500;23098924600;
EMKF"
56962721000;36783711800;16833265700;
15844419200;36942755800;8093162100;6603146793;
55433306100;
55744243300;55745106300;55744069700;
35756565400;55599529900;55744227800;36611853200;55522820300;55522514100;55744091900;
55366802700;36462942900;
7004109622;17233433500;16743834300;
We thank Gianpaolo Barbetta, Stefano Cima, Iftekhar Hasan, Tullio Jappelli, James Lothian, Chiara Monticone, Mario Padula, P
55738135800;24472780600;55552746500;
55022884700;
55702016500;
55642539000;55672653100;
36189992500;6507908539;57205686951;
55642539000;55641914100;
36462942900;
55771739900;55532652500;6506519662;
55435525300;
8530395400;
7801352804;6602109554;7201876725;
56391668100;25923502200;36855876000;
36442966000;6701357820;55209917500;55576297400;
36632519100;8676304000;
8523818100;
15078758300;55601167600;55601970500;
55795252400;
55619443500;36466334100;55620063000;
7006159164;53873518600;53873895600;8529716500;
15925133900;56037457200;56037254700;15925483500;36524484300;
6602386458;35238155600;22135506400;55016566200;
18635017900;
10639133600;6602277868;55504414100;
15046508800;
24474167000;55849846700;
24067964900;
55901630400;55902530600;
57196740199;55849152800;
55385700500;
36133582500;26436034200;47561537000;15063142000;
55969591300;
57201311102;
35228952100;56084686900;42962169700;
56717580000;56717757800;
6603792748;8103415200;
56042221700;
57191973080;
6602521577;7404259511;35423287500;
36943707700;6603282112;
16229953000;55841703700;
55824993900;56000440100;
47561537000;36133582500;26436034200;
55675497200;36599805400;
18635017900;
57213899101;
6507854042;24484880600;35772992400;
55485740100;56962734300;55047572200;
55717947700;12805813200;
7005379495;55349316300;
6504034503;37066407200;55917097300;
12790899500;24512774900;16069974800;23004623800;47461193600;
37009788700;
57214611505;8222865700;35368873000;53981122300;
36462942900;
55676967300;
6603173155;6507075639;
55670930800;55669740700;57213857915;
7401443200;
26533743900;36026615000;
7406994696;36140436900;
55534706900;55218603400;
7202466439;7201627015;55245840700;55246366200;
55948006900;
55473888600;14829234000;15077848100;
12446027500;
55438168900;55437296700;55437374500;
7003826621;
54419883600;57202594955;
55438187500;55437999300;
37037666000;6504085789;
36997571100;
55227135800;55227081600;
54782362000;6701558315;
55568518949;6506215873;55437040900;
7003826621;7005305727;54969901400;
7101787948;55438254400;
35173322700;
55067090900;8226411000;6602929998;55068247500;27169403400;
7005988722;36787916100;55435909300;
55937635300;24338313700;55340798300;
7006516129;57201788802;55273912000;8325183500;
6602341847;6602755347;35932893700;
35312018400;55130519200;38663452600;
Shell"
7006964550;8716177800;
6603077120;
55259917400;56271563000;
14622529000;57200242087;36625909500;
7005659646;23668904500;55259849800;55248340200;17635581300;36705787700;
55245840700;7201627015;7202466439;55246366200;
24733933600;6507672250;8276765200;15022772300;
9275038000;37000017500;
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Culture
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Given the critical nature of the established need for financial education, it is not surprising to find hundreds of organizations n
6603077120;57201788802;36154332600;
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Education
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6602435052;
Title
Impact of financial literacy on investment behavior and consumption behaviour of middle-class famili
Individual Differences in Mental Accounting
Determinants of credit demand of farmers in Lam Dong, Vietnam: A comparison of machine learning
Exploring the conceptual definition of islamic financial literacy from the Quran and Sunnah
The intention to use Islamic banking: an exploratory study to measure Islamic financial literacy
Financial consumer protection and economic growth
Evaluating the impact of hedonism on investment choices in India
Family economic education, financial literacy and financial inclusion among university students in In
Financial Literacy as More than Knowledge: The Development of a Formative Scale through the Lens
The influence of informal learning opportunities on adolescents’ financial literacy
Financial literacy and investment decisions
Financial literacy and the need for financial education: evidence and implications
Financial Literacy: The Role of the Local Context
The mediating effect of financial inclusion on financial literacy and women’s economic empowermen
The gender gap in over-indebtedness
Transnational financial education for Filipino migrant workers
Modelling the Effects of Financial Services Advertising on Financial Product Purchase: An Empirical Va
Rural household vulnerability a decade after the great financial crisis
A comparative analysis of the OECD/INFE financial knowledge assessment using the Rasch model
Sustainable debt behaviour and well-being of young adults: The role of parental financial socialisatio
Assessing Executive Nurse Leaders' Financial Literacy Level: A Mixed-Methods Study
Relations between young adults’ knowledge and understanding, experiences, and information behavio
Responsibility, planning and risk management: moralizing everyday finance through financial educati
Culture, money attitudes and economic outcomes
The quality of financial education as the basis of proper human resources for economic security str
A critical review of learning approaches for entrepreneurship education in a contemporary society
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Stimulating proportional reasoning through questions of finance and fairness
Heuristics in Mutual Fund Consumers' Willingness-to-Invest: An Experimental Approach
How Does Consumers' Financial Vulnerability Relate to Positive and Negative Financial Outcomes? The
Developing financial competence about mortgage loans by informal learning using banks’ online calc
Discovering diverse students’ funds of knowledge related to finance: Pāsifika students in New Zealan
Decision making in personal insurance: Impact of insurance literacy
Acknowledgments: The author gratefully acknowledges financial support from the Ministry of Education (China) Humanity and
Suubi4Cancer: A protocol for an innovative combination intervention to improve access to pediatric
This work is supported by the National Cancer Institute ( NCI R21CA236531 ). The content is solely the responsibility of the aut
Analysis of students' financial literacy skills on mathematics teaching and learning
Influence of financial course on eighth grade students’ financial concepts, math motivation, math anx
Financial literacy and its impact on the investment decisions of working women
Procedural and declarative cognitions: Do they boost financial literacy among clients of microfinance
The improvement strategies for Sharia financial literacy on creative economy
Gamification-driven process: Financial literacy in Thailand
From Economic Abuse to Economic Empowerment: Piloting a Financial Literacy Curriculum With Wo
How financial literacy, innovation capability, and human capital affect competitive advantage and
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Influential Behavioral Factors on Retirement Planning Behavior: The Case of Malaysia
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Public Preferences for Government Spending Priorities: Survey Evidence from Germany
Developing a financial literacy program with survivors of intimate partner violence: The voices of surv
The impact of video-vignettes to enhance the financial literacy level of Ecuadorian university student
Development of an Interactive Module Incorporating Financial Literacy in Teaching Decimals/Fractio
Constituting financialized subjectivities: cultural political economy of financial literacy in Turkey
Financial capabilities development: essential discourse in social work
Analysis of key barriers in retirement planning: An approach based on interpretive structural modelin
Icreasing financial literacy and financial inclusion model to achieve MSMEs financial well being
Navigating complex financial decisions at retirement: Evidence from annuity choices in public sector
Financial Planning for Retirement: Age-Related Differences Among Spanish Workers
Predictors of students‫ ׳‬achievement on NAEP-Economics: A multilevel model
Parametric modeling of assessing the development level of economical thinking of students
Financial Literacy of High School Graduates: Long- and Short-Term Financial Behavior by Age Group
Do social networks facilitate the spread of Ponzi schemes? Evidence from a primary survey
Investigating the financial overconfidence of student-athletes
The linkages between financial literacy and its application in financial decision-making among academ
Application: It implies that the knowledge about the financial product is very important for creating a
Construct validity of a financial literacy instrument
A study of post-demonetization impact of limited-cash retailing in uttarakhand, India
The antecedents and consequences of financial literacy: a meta-analysis
The assessment of financial literacy: New evidence from Europe
Financial literacy research in China: The progress and the role of social work
Improving financial literacy of the poor and vulnerable in Indonesia: An empirical analysis
Investment Experience, Financial Literacy, and Investment-Related Judgments
Financial Literacy, Cultural Dominance, and Financial Well-Being of SME Owners in Ghana
The Effects of Financial Education on Financial Literacy and Savings Behavior: Evidence from a Contr
Effects of financial education and financial literacy on creative entrepreneurship: A worldwide resear
Building Financial and Health Literacy at Older Ages: The Role of Online Information
Determinants of knowledge of personal loans' total costs: How price consciousness, financial litera
Small-Dollar Credit Lending: The Effect of Financial Burden on Personal Asset Misvaluation
Exploring game design for the financial education of millenials
Information communication technology (ICT) based business correspondence model: A growing avenue f
Impact of Financial Education Mandates on Younger Consumers' Use of Alternative Financial Services
What I Know, What I Think I Know, and Whom I Know
To stay or go? Consumer bank switching behaviour after government interventions
Application of CRM in offering insurance to commercial vehicle loan borrowers
Confirmatory factor analysis on influence measures of investment
Entrepreneurial participation and performance: the role of financial literacy
Financial literacy and classroom practices among early childhood and elementary teachers in India a
A combination intervention addressing sexual risk-taking behaviors among vulnerable women in Uganda
Links Between Family Poverty and the Financial Behaviors of Adolescents: Parental Roles
An assessment of mortgage loan default propensity in Ghana
Exploring undergraduates’ money-management life: insight from an emerging economy
DFA
Received 13 July 2018 Revised 12 October 2018 Accepted 9 December 2018 The author/authors wish to
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Developing a framework for assessing sustainable banking performance of the Indian banking sector
Assessing the effect of financial literacy on investors decisions making
Board financial education and firm performance: Evidence from the healthcare sector in Nigeria
Enhancing the generative learning of young people in the domain of financial literacy through learni
Incorporating financial literacy into the accounting curriculum
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The effects of a financial literacy intervention on the financial and economic knowledge of high schoo
The authors thank anonymous referees and the Associate Editor for valuable comments. Joshua Mitton, Francisco Fuentes, M
Financial Capability and Economic Security among Low-Income Older Asian Immigrants: Lessons from
Library support for student financial literacy: A survey of librarians at large academic institutions
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PREDICTING RETIREMENT SAVINGS USING SURVEY MEASURES OF EXPONENTIAL-GROWTH BIAS AND
∗The authors are grateful to Tania Gutsche and Bart Orriens as well as the staff at the American Life Panel for their assistance
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Agents of alienation: accountants and the land grab of Papua New Guinea
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Improving financial literacy in college of business students: modernizing delivery tools
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Financial Literacy and Self-Employment
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770464
Financial literacy, housing value and household financial market participation: Evidence from urban
Assessing financial literacy levels of banking and IT/ITes employees
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The HRS is sponsored by the National Institute on Aging (Grant Number NIA U01AG009740) and is conducted by the University
How gender and emotions bias the credit decision-making in banking firms
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Financial Literacy in Developing Countries
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The authors would like to acknowledge financial support from The Scientific and Technological Research Council of Turkey, TU
University students and retirement planning: never too early
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Improving financial literacy of undergraduate students with supplementary financial lessons: A case of
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The difference between fuzzy trace theory and heuristic theory in risk taking in the context of financ
Mathematical Competence Scale (MCS) for primary school: The psychometric properties and the valid
The effect of financial education training on the financial literacy of Spanish students in PISA
The authors would like to express their gratitude to the Savings Banks Foundation (Fundación de la
Financial and Health Insurance Literacy: A Necessary Addition to Health Literacy Programming
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The influence of cultural possession, perseverance and openness to problem solving in development o
Extending financial literacy to insurance literacy: a survey approach
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Orthopaedic surgery resident financial literacy: An assessment of knowledge in debt, investment, an
Ascertaining the mediating effect of financial literacy for accessing mobile banking services to achieve
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The curious case of filipino micro-entrepreneurs’ financial sophistication and the triple bottom line
The impact on financial inclusion in the successful implentation of pradhanmantri jan dhanyojana (
Financial literacy and financial inclusion unbundling the nexus
Financial literacy and debt
College Student Financial Wellness: Student Loans and Beyond
Pension Plan Types and Financial Literacy in Later Life
Epistemic Virtues Versus Ethical Values in the Financial Services Sector
The impact of undergraduate personal finance education on individual financial literacy, attitudes an
Teaching financial literacy: Competence, context and strategies among Swedish teachers
Financial literacy and household finances: A Bayesian two-part latent variable modeling approach
Ideology, education, and financial literacy uncovering neoliberal ideology in assessment studies of e
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Pre-service teachers’ perception of financial literacy curriculum: National standards, universal design
How many long-term-care surveys and polls do we need?
Factors that influence the financial literacy of young Spanish consumers
MECD"
Associations of literacy with diabetes indicators in older adults
Debt Literacy and Debt Literacy Self-Assessment: The Case of Poland
The emerging role of Financial Counsellors in supporting Older Persons in financial hardship and w
Are concerns about repaying student loan debt related to health status rankings?
Financing knowledge, risk attitude and P2P borrowing in China
71673315
71673315
The work was supported by National Natural Science Foundation of China under Grants No. 71673315 and No. 71703182, the
A survey of Americans with high-deductible health plans identifies opportunities to enhance consum
An earlier version of this article was presented at the AcademyHealth Annual Research Meeting in New Orleans, Louisiana, Jun
Microfinance and women's empowerment in Bangladesh: Unpacking the untold narratives
Factors shaping the financial capability of low-income consumers from rural regions of Poland
Statutory funds from Ministry of Science and Higher Education of Poland; National Science Centre, Poland, grant no. 2017/01/
Gender budgeting in india: An impact analysis
Over-indebtedness and its drivers among microfinance borrowers in India
Financial literacy in Brazil – do knowledge and self-confidence relate with behavior?
Financial literacy education and responsibilities in developing countries using a computer application
Women’s financial planning for retirement: Systematic literature review and future research agenda
Advanced Financial Literacy of Malaysian Gen Y Investors and Its Consequences
The role of teacher professional development in financial literacy education: A systematic literature
This work was supported by the Research Foundation Flanders (FWO) through the programme ‘Financial Literacy @ School’ (g
On a need-to-know basis: How the distribution of responsibility between couples shapes financial lit
Impact of socio economic determinants on women empowerment in India (Working women in selected
Five financial pearls for medical students, residents, and young surgeons
From the Division of Plastic and Reconstructive Surgery, Washington University in St. Louis School of Medicine, St. Louis, Mo. R
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Public awareness of the issues of the education insurance as a necessary factor for its development
Financial literacy: A panacea to poverty reduction in Nigeria
Retirement Planning Decisions: Choices Between Defined Benefit and Defined Contribution Plans
Frugality Is Hard to Afford
Credit constraints in the development of India’s Micro, Small and Medium Enterprises (MSMEs)
The role of a manager's intangible capabilities in resource acquisition and sustainable competitive p
skqx201608
Funding: This work was supported by the National Science Foundation of China [71373167], Youth Fund Project of Humanities
Racial/Ethnic disparities in high return investment ownership: a Heckman selection model
Financial education and insurance advice seeking
Project Nova: A Combination HIV Prevention and Microfinance Intervention for Women Who Engage
How financial literacy and demographic variables relate to behavioral biases
Unexpected windfalls, education, and mental health: evidence from lottery winners in Germany
Special WSMC edition paper: What is this thing called money? Economic abuse in young adult relatio
A Computer Application to Teach Financial Literacy
Assessment of university students’ level of financial literacy: the voices of the National University
The impact of cocurricular community service on student learning and perceptions of poverty and h
Improved Mutual Fund Investment Choice Architecture
Adaptation and validation of the economic and financial literacy test for chilean secondary students
Financial literacy and rationality of youth in Slovakia [Finansinis jaunimo raštingumas ir racionalumas
Financial literacy and related outcomes: The role of financial information sources
Financial literacy and retirement planning in Finland
Factors influencing a prospective chartered accountant’s level of financial literacy: an exploratory st
An investigation of the demographic factors affecting financial literacy and its components among ur
Financial literacy among SME’s in Malaysia
Financial literacy of middle-aged and older Individuals: Comparison of Japan and the United States
Financial literacy and household investment performance: Evidence from China [Finansinis išsilavinim
Financial well-being amongst elderly Australians: the role of consumption patterns and financial liter
Financial literacy and voluntary savings for retirement: novel causal evidence
Andrej Cup?k acknowledges the financial support from the Slovak Research and Development Agency under [grant number AP
Correlates of financial literacy: Strategic precursor to financial inclusion
Millennial urban generations: Does become “A current generation” shift their attention to financial li
Financial education and financial literacy by income and education groups
Financial literacy and competitive advantage: SME strategy in reducing business risk
ISFA-As intervening financial literacy and culture towards organisational financial performance: A t
Does gender matter in Financial literacy? A case study of young people in Tirana
Indecisiveness on risk preference and time preference choices. Does financial literacy matter?
Determinants of rural household financial literacy: Evidence from south India
Does gender matter for the use of learning opportunities? Potential explanation for the gender gap in
Improving Financial Literacy in Secondary School Students: An Randomized Experiment
Economic and financial literacy in the school context: Perspectives and proposals [Alfabetización eco
Tal y como reflejábamos anteriormente, en la última década, los contenidos de economía han ido afi
The development of a financial literacy questionnaire for early childhood
Factors affecting students’ financial literation: A study on widyatama university, indonesia
Financial literacy and formal credit accessibility: Evidence from informal businesses in China
Applying online educational technology to foster financial literacy: Financial-institution leaders’ insig
Americans are facing the problem of financial literacy deficiency (Bumcrot, Lin, & Lusardi, 2013; Lusa
Effects of financial education on sound personal finance in Korea: Conceptualization of mediation effec
Financial literacy as a moderator linking financial resource availability and SME growth in Ghana
Is financial education an effective means to improve financial literacy? Evidence from rural China
Entrepreneurial spirits in women and men. The role of financial literacy and digital skills
The impact of financial literacy on financial operating decision makers in MSMEs
Financial literacy in Ukraine: From micro to macro level
The impact of financial literacy and financial attitude on income level and good credit payment
Interdisciplinary Thinking: Financial Literacy Crosses Disciplinary Boundaries
Plastic empowerment: Financial literacy and black economic life
Financial education and student financial literacy: A cross-country analysis using PISA 2012 data
The authors would like to express their gratitude to the Savings Banks Foundation (Fundación de las Cajas de Ahorros –FUNCA
Promoting financial literacy through a digital platform: A pilot study in Luxembourg
Why do consumers remain financially illiterate? The empirical test of some less investigated reasons
Financial Inclusion, Financial Literacy and Economically Vulnerable Populations in the Middle East an
Financial Literacy Assessment in Bosnia and Herzegovina
Do our children know anything about money? An exploratory study
The effect of entrepreneurial self-efficacy on persistence: Do financial literacy and entrepreneuria
Factors affecting College students’ multidimensional financial literacy in the Middle East
Post-crisis trends in household credit market behavior: Evidence from Hungary (Literature review)
Identifying financially illiterate groups: An international comparison
Funding information This work was supported by Wikifin.be (Financial Services and Markets Authority (FSMA)?Belgium). We a
Financial literacy lead to empowering the socio-economic condition of tribals through information t
Voting in the aftermath of a pension reform: The role of financial literacy
Economic literacy: Does it matter for policy understanding?
Financial knowledge, attitude and behavior: evidence from the Austrian Survey of Financial Literacy
Financial literacy and savings account returns
Who is a passive saver under opt-in and auto-enrollment?
Financial households’ efficacy, risk preference and saving behaviour: Lessons from lower-income hou
The impact of financial literacy on cognitive biases of individual investors
The Relationship between attitude towards money, financial literacy and debt management with youn
Financial literacy as a part of lifelong education
Why do Households Leave Money on the Table? The Case of Subsidized Pension Products
Financial therapy with groups: A case of the five-step model
The Effects of Financial Literacy Overconfidence on the Mortgage Delinquency of US Households
For When It Rains: How One Community College Established an Incentivized Student Savings Account
The use of non-cash transactions among Batik SMES: An empirical review from Indonesia
Indonesia has various kinds of SMEs, one of which is the batik SME. Batik was selected as a cultural heritage of Indonesia on O
Entrepreneurial financial practices in Pakistan: The role of access to finance and financial literacy
21st century skill building with web-based games
The financial literacy assessment among students majoring in the field of finance
Financial literacy and financial resilience: Evidence from around the world
Financial literacy and entrepreneurship education: An ethics for capital or the other?
The supplementary pension in Russia: Current Problems and Future Prospects in the light of Internat
The effects of risk tolerance and financial literacy to investment intentions
A praxis approach to financial literacy education
Identifying and Ranking Critical Success Factors for Implementing Financial Education in Taiwan Elem
Gender, parental characteristics, and financial knowledge of high school students: Evidence from mul
The use of longitudinal data on social security program knowledge
Empirical Determinants of Saving Habits among Commercial Drivers in Ghana
Economic literacy and economic growth
A new money attitudes questionnaire
Сrisis Management in Small Business
Financial illiteracy and entrepreneurship success: Literature review
The ABCs of financial education: Experimental evidence on attitudes, behavior, and cognitive biases
Modeling changes to survey response items over time in a britain financial literacy education study
We are very thankful to the editor, the associate editors and anonymous referees for their helpful comments. We would very
The effect of ability matching and differentiated instruction in financial literacy education. Evidence
Educating mathematizable, self-serving, god-fearing, self-made entrepreneurs
The role of overconfidence and past investment experience in herding behaviour with a moderating ef
The relationship between migration background and knowledge and understanding of personal finan
Assessing financial capability among people with disabilities
Digital Wallets ‘Turning a Corner’ for Financial Inclusion: A Study of Everyday PayTM
Measuring responsible financial consumption behaviour
Enhancing access to finance for SMEs: The case of Central Asia
Could financial trouble be avoided by cooking at home? An analysis of checking account records
The drivers of household indebtedness: Evidence from Thailand
Social media and financial institutions in the Indian context
Energy literacy: What is out there to know?
How To Recognize Potential School Leaders Among Primary School Teachers: Framework Based On Finan
Saving and investment pattern: Assessment and prospects
Mobile financial management application using google cloud vision API
The influence of financial information, financial self efficacy, and emotional intelligence to financi
The relationship among gender, interest in economic topics, media use, and the economic knowledge
Anxious spenders: Background factors of financial vulnerability
Association of TDP-43 Pathology with Domain-specific Literacy in Older Persons
Growing up without finance
Self-employment, financial knowledge, and retirement planning
Saving education received in early life and future orientation in adulthood
Extension-led training for human services providers on use of a financial empowerment tool
and Extension Service

Banking goes digital: The adoption of FinTech services by German households
Does a balanced test form regarding selected-response and constructed-response items overcome gend
Financial Planning Ability, Risk Perception and Household Portfolio Choice
Financial education in schools: A meta-analysis of experimental studies
Retirement planning: A literature review
Financial tools as an alternative to bank deposits and deposits of microfinance organizations
Integrating individual student advising into financial education to optimize financial literacy in veteri
In February 2015, with the goal of improving financial literacy in Doctor of Veterinary Medicine (DVM)
Development and validation of a women’s financial self-efficacy scale
Gender income gap in rural informal micro-enterprises: an unconditional quantile decomposition ap
Determinants of financial deepening in Mexico: A dynamic panel data approach [Determinantes de l
Modelling the influence of working career breaks on pension using retrospective simulation: A case of
[1] M. van Duijn, M. Mastrogiacomo, M. Lindeboom, P. Lundborg, “Expected and actual replacement rates in the pension syst
SaveWise: The design of a financial education program in The Netherlands
Proposing “Mobile, Finance, and Information” Toolkit for Financial Inclusion of the Poor in Developin
Economic competence in early secondary school: Evidence from a large-scale assessment in German
Factors explaining the market discipline of sharia mutual funds from a behavioural finance perspecti
The impact of financial education for youth
The effect of attitudes regarding retirement on pension savings
Predicting private saving within malay community
h grant (Dana Cabaran Perdana, UKM, DCP-2017-018-2).

Unbanked status and use of alternative financial services among minority populations
Poetry and economics: Creativity, engagement and learning in the economics classroom
Does Responsibility for Financial Tasks Influence Credit Knowledge and Behavior?: Evidence from a P
The capabilities of secondary school teachers to provide financial education
The authors would like to thank Evelyn Bijnens and Geert Van Campenhout for their help to contact the participants and proo
Educated and Happy: A Four-Year Study Explaining the Links Between Education, Job Fit, and Life Sati
Inflation literacy and inflation expectations: Evidence from Austrian household survey data
Does social capital influence debt literacy? The case of facebook users in Poland
Kamil Filipek, Maria Curie-Skłodowska University (UMCS), Lublin, Poland (kfilipek@umcs.pl); Andrzej Cwynar, University of Eco
Inching to Impact: The Demand Side of Social Impact Investing
Computing the influences of financial literacy and its impact on investment behavior in selected em
Understanding asset holdings of Vietnamese households
Social Protection Policy or a Political Largesse: Disability Fund Efficacy Assessment and Roadblocks
Financial literacy of “telebachillerato” students: A study of perception, usefulness and application of f
Women and wealth: Financial propinquity to business success
The effect of remittance on economic growth in Cambodia
Are muslims practising moderation in their financial decisions?
This work was funded by Research Initiative Grant Scheme (RIGS) of International Islamic University Malaysia (IIUM) (grant nu
Exploring the PROMISE of transition services for youth with disabilities receiving SSI
The computer simulator-a modern training method of objects of an economic profile
Professional financial advice, self-control and saving behavior
An empirical study of sources of early stage startup funding for innovative startup firms: A study of fiv
The determinants of the capital structure of SMEs in the Portuguese manufacturing industry: An analys
Investigating the behavior of teachers towards saving and investment: Evidence from Mekele, Tigray,
The role of information technology usage on startup financial management and taxation
Engaging SSI youth and families with ASPIRE services
Pension Freedom Day in the United Kingdom: Early evaluation of consumer response
The authors gratefully acknowledge a Marie Curie International Incoming Fellowship from the Marie Curie Actions of the Euro
Tax awareness and “free rider” problem in taxes
Abstract Purpose The purpose of the work is to study the “free rider problem” in taxes and determine
Social insurance literacy: a scoping review on how to define and measure it
Analysing the use of business simulation to build entrepreneurial leaders: The case of UAE learners
Retirement planning by maltese nationals: A study of influential factors
The language of numbers Transdisciplinary action research and financial communication
Investors' inconsistencies and the need for better financial literacy
Can financial literacy reduce anxiety about life in old age?
15KK0083
This work was supported by the JSPS KAKENHI [grant number 15K17075], [grant number 15KK0083], and RISTEX, JST.
Financial literacy among high school students: Evidence from India
A critically compassionate approach to financial literacy: A pursuit of moral spirit
Factors that influence the level of financial literacy among young people: The role of parental eng
Financial literacy among undergraduate students: Empirical evidence from Ghana
Why are some households so poorly insured?
Financial Literacy, Human Capital and Stock Market Participation in Europe
OGHA 04-064
CIT5-CT-2005-028857"
Financial management literacy of swamp buffalo farmers (phenomenology study of wetland communiti
Measuring the Adequacy of Retirement Savings
Does prevention as an investment strategy explain the intention to purchase guarantees for unit-linke
The Impact of Educational Pairing and Urban Residency on Household Financial Investments in Urban
How prior economic education influences beginning university students’ knowledge of economics
Goals, commitment and peer effects as tools for improving the behavioural outcomes of financial ed
Financial capability as social investment
Cost, price and profit: what influences students’ decisions about fundraising?
Too soon to worry? Longitudinal examination of financial planning for retirement among Spanish ag
The correlation between vocational school students’ test motivation and the performance in a standar
Financial education via television comedy
IMTFI"
The study of the level of financial literacy of students of transport universities
Is knowledge that powerful? Financial literacy and access to finance: An analysis of enterprises in th
The effects of financial literacy, digital financial product usage and internet usage on financial inclusi
Does financial literacy improve financial inclusion? Cross country evidence
We would like to thank for helpful comments of participants at several workshops and conferences, in particular, Christian Am
Financial literacy among malaysian households in managing income
The authors wish to thank the Ministry of Higher Education Malaysia in funding this study under the Fundamental Research Gr
Implementation of the allocation of income portfolio merchant and fisherman in financial investment
“In the Clinic They Know Us”: Preferences for Clinic-Based Financial and Employment Services in Urba
Influence of social and demographic aspects on increase of financial literacy of the population in Rus
The role of human emotion in decisions about credit: policy and practice considerations
Social entrepreneurship as intervention: Findings from a venture development program for marginal
Nexus between financial literacy and financial inclusion: Examining the moderating role of cognition
Foreign currency borrowing and risk-hedging behavior: Evidence from Cambodian households
An assets-based approach to promoting girls’ financial literacy, savings, and education
Global Affairs Canada (Grant no. S065653 ). Funding for the intervention was provided through the RISING program at the Population Coun
The securities law implications of financial illiteracy
Rescaling and reframing poverty: Financial coaching and the pedagogical spaces of financial inclusio
Understanding undergraduates’ money management behaviour: a study beyond financial literacy
The Psychology of Decumulation Decisions During Retirement
Shopping for Shoes: Teaching Students to Apply and Interpret Mathematics in the Real World
Problems of Development of Nonstandard Employment in Rural Areas of the Jewish Autonomous Obl
Financial Regulations, Financial Literacy, and Financial Inclusion: Insights from Kenya
Spending habits and financial literacy based on gender on employees
Financial literacy for entrepreneur in the industry 4.0 era: A conceptual framework in Indonesia
Demystifying financial literacy: a behavioral perspective analysis
Financial knowledge, attitude and behaviour of young working adults in Malaysia
Does financial literacy increase students’ perceived value of schooling?
The author thanks Olivia S. Mitchell for helpful guidance on the development of the paper, Jere R. Behrman for valuable sugge
Fractional ownership – an alternative residential property investment vehicle
Assessing land titles application and uptake in regularised informal settlements in Tanzania
Financial literacy and family communication patterns
A spatial-temporal analysis of financial literacy in United States of America
The knowledge and skills that are essential to make financial decisions: First results from PISA 2012
Financial literacy and anxiety about life in old age: evidence from the USA
JP15KK0083
K17075; RISTEX JST; and a grant-in-aid from Zengin Foundation for Studies on Economics and Finance.
Micro-entrepreneurship Debt Level and Access to Credit: Short-Term Impacts of a Financial Literacy
Household economic strengthening through financial and psychosocial programming: Evidence from a
ES/N017447/1
nion’s Seventh Framework Programme( FP7/2007-2013 ) with ERC grant agreement 313421, UNICEF South Africa and UNICEF Innocenti Offi
Financial illiteracy and mortgage refinancing decisions
Approaches and design of microfinance programmes for the ultra-poor in Nepal
Financial literacy and gender difference in loan performance
What kind of economic citizen?: An analysis of civic outcomes in U.S. Economics curriculum and instr
Propensity to plan, financial capability, and financial satisfaction
Radical Economics as Journalism: The Origins of Dollars & Sense
The author disclosed receipt of the following financial support for the research, authorship, and/or publication of this article: T
Is the economics learnt in the family? Revaluing parental influence on financial education in India
A tripartite model for recruiting African-Americans into fatherhood intervention research
Research reported in this publication was supported by the National Institute for Nursing Research of the National Institutes o
A parametric test evaluating smallholder farmers’ training needs in Uganda: A case of dairy farmers
A Predictive Model for Financial Literacy among the Educated Youth in Kerala, India
College students' behaviors of net loans: Status, problems and countermeasures-based on 486 questio
Islamic financial literacy: Construct process and validity
Evaluating financial literacy curriculum for young adults with special needs: A review of content, univ
Gender- and education-related effects of financial literacy and confidence on financial wealth
The determinants of retail trading activity in emerging markets: A cross-market analysis
Facilitating Informed Decision-Making in Financial Service Encounters
Who starts a self-managed superannuation fund and why?
Financial literacy and informal loan
A financial literacy model for university students
Individual behaviors and technologies for financial innovations
Financial inclusion and socioeconomic development: gaps and solution
Towards an inclusive digital literacy framework for digital India
DIT"
Use of technology and SME managers' financial literacy in developing economies
How Does Financial Literacy Impact Attitude Toward Student Loan Providers?
Do Financial Education Interventions for Women from Poor Households Impact Their Financial Behav
Bunda Cermat: Integrating Financial, Nutrition and ICT Literacy for Women in Indonesia
Synthesizing an Index of Financial Literacy Using Not-For-Purpose Survey Data
Energy efficiency and financial literacy
The Long Shadow of Socialism: Puzzling Evidence on East-West German Differences in Financial Liter
We thank participants of the MEA seminar (Munich) and at the Jahrestagung des Vereins fur Socialpolitik (Hamburg, 2014) for
Improving Index Mutual Fund Risk Perception: Increase Financial Literacy or Communicate Better?
Decomposing gender gaps in financial literacy: New international evidence
Explaining the Gender Gap in Financial Literacy: The Role of Non-Cognitive Skills
Understanding the Determinants of Saving in Ghana: Does Financial Literacy Matter?
Can problem-solving attitudes explain the gender gap in financial literacy? Evidence from Italian stud
Financial Literacy, Debt Burden and Impulsivity: A Mediation Analysis
Subjective financial literacy and retail investors’ behavior
Young Adults and Their Finances: An International Comparative Study on Applied Financial Literacy
It takes two to Tango: Households’ response to financial advice and the role of financial literacy
Financial education and savings behavior: Evidence from a randomized experiment among low-income
Effectiveness of financial education workshops among university faculty members
Millennial-style learning: Search intensity, decision making, and information sharing
Correlates of healthcare and financial decision making among older adults without dementia
When saving is gambling
Financial capability and food security in extremely vulnerable households
On the Anatomy of Financial Literacy in Italy
How numeracy mediates cash flow format preferences: A worldwide study
Gender differences in retirement planning: A longitudinal study among Spanish Registered Nurses
Effective association between audit committees and the internal audit function and its impact on fina
The relationship between previous mathematics performance, and level of financial literacy and financ
Debt and financial literacy education: An ethics for capital or the other?
Financial literacy and use of payday loans in the United States
Work in progress: Do engineering students gain financial literacy skills by taking an engineering eco
Financial consumer in Malaysia: Regulators efforts and measurements for consumer protection
Financial Literacy and Money Script: A Caribbean Perspective
Associations of APOE ϵ 4 with Health and Financial Literacy among Community-Based Older Adults
R21 AG30765
Social capital and stock market participation via technologies: The role of households' risk attitude an
Financial literacy and the role of numeracy–How individuals’ attitude and affinity with numbers influen
Culture and financial literacy: Evidence from a within-country language border
Financial literacy for financial inclusion using mobile technology in India
Individual Capability and Effort in Retirement Benefit Choice
Marketing techniques for financial inclusion and development
Effects of market returns and market volatility on investor risk tolerance
Smart tools? A randomized controlled trial on the impact of three different media tools on personal
This project was partially funded by the Austrian Research Promotion Agency ( FFG voucher no. 842358) and by the WU Assist
Challenges faced by banks for financial inclusion: Growth and viability in the Indian context
Don’t Let Them Fool You: Adolescents’ Present-orientation and Inferior Financial Understanding
The perils of overconfidence: Why many consumers fail to seek advice when they really should
International remittance markets in lesotho: Implications for economic and social development
The financial literacy levels of the students taking finance-based lectures at the schools of applied sc
Global issues in social sciences: Different perspectives - multidisciplinary approaches
Financial literacy: Empowerment in the stock market
Financial literacy and retirement planning: evidence from China
Subjective and objective financial literacy, opinion leadership, and the use of retail banking services
Promoting Financial Literacy and Latino Males’ Success at Community Colleges
Perceived financial literacy and savings behavior of it professionals in Kerala
Financial literacy and high-cost borrowing: Exploring the mechanism
Establishing financial literacy: what every resident needs to know
Gender differences in financial socialization in the home—An exploratory study
Payday Lending and Microcredit: Two Faces of the Same Problem?
Contradictory Logics in Asset-building Discourse: Habits, Identities and Discipline
Too sensitive to share? Working with consumers’ credit card transactions
Prayana: Intermediated financial management in resource-constrained settings
Determining factors that contribute to financial literacy for small and medium enterprises
Online financial therapy
Financial literacy and financial behavior: Evidence from the emerging Asian middle class
We would like to thank participants at several seminars, in particular Andre Güttler, Christine Kaufmann, Stephan Klasen, Sand
Financial literacy education and retirement planning in Malaysia
A review of financial-literacy education programs for children and adolescents
Inequality and the finance you know: does economic literacy matter?
Financial statement literacy of individual investors in China
Financial Literacy and Portfolio Dynamics
Young adults’ knowledge and understanding of personal finance in Germany: Interviews with experts
How Text Presentation and Financial Literacy Affect Pension Communication Success
Awareness and utilization of health insurance among selected population of State of Sikkim, India
Do saving promotion interventions increase household savings, consumption, and investments in Sub
Does Experiencing a Crash Make All the Difference? An Experiment on the Depression Babies Hypoth
Profiles of saving and payment of debt in the life cycle of mexican households [Perfiles de ahorro y
Individual heterogeneity and pension choices: Evidence from Italy
Gamblers, scratchers and their financial education
In over Our Heads with Financial Anxiety from Student Debt
Deciphering financial literacy in India: Evidence from states
Microfinance for women at high risk for HIV in Kazakhstan: Study protocol for a cluster-randomized co
How well do women do when it comes to financial literacy? Proposition of an indicator and analysis o
Financial Literacy and Asset Behaviour: Poor Education and Zero for Conduct?
Financial literacy and participation in the derivatives markets
MOST"
Effects of culture and financial literacy among Chinese-Americans on participating in financial service
Decentring ingenuity: Calculation, intuition and atmospheres in the Bank of England's financial liter
I would like to thank Tiago Mata and Andrew Telford for very thorough and engaged readings of several draft versions of this a
Personal finance blogs: Helpful tool for consumers with low financial literacy or preaching to the choi
Do confident individuals generally work harder?
harles Noussair and Stefan Trautmann for useful comments and suggestions. We also acknowledge the contribution of the participants in
Trust and household debt
DETERMINANTS AND BARRIERS TO FINANCIAL INCLUSION IN MYANMAR: WHAT DETERMINES ACCESS
Information Use and Attention Deferment in College Student Loan Decisions: Evidence From a Debt L
An assessment of bank credit literacy, accessibility and service quality among women self help group
Stock market volatility and non-macroeconomic factors: A vector error correction approach
Application of situational stimuli for examining the effectiveness of financial education: A behavioral
Gender, academic achievement, and ownership of ATM as predictors of accounting students' financial
Building financial resilience: Do credit and finance schemes serve or impoverish vulnerable people?
The Impact of Financial Education for Youth in Ghana
Folk economics and its role in Trump’s presidential campaign: an exploratory study
Building bridges to a brighter tomorrow: A systematic evidence review of interventions that prepare
Factors that influence financial literacy on small medium enterprises: A literature review [Factores q
Lower financial literacy induces use of informal loans
Financial literacy determinants among West Java athletes
Culture, financial literacy, and SME performance in Ghana
Measuring financial literacy of university students
Triple helix model to improve financial literacy of students in faculty of economics
Does gender disparity in financial literacy still persist after retirement? Evidence from Ghana
Relevance for demographic factor: Level of financial literacy
Two sides of a coin: Effects of perceived and actual financial literacy on investment decision making
Factors contributing to financial literacy levels among a migrant group: An analysis of the Vietnames
Use of technology and financial literacy on SMEs practices and performance in developing economie
Measuring and profiling financial literacy in South Africa
for their insightful comments, and funding from the Carnegie Foundation and the National Research Foundation. M.L. acknowledges the R
Financial literacy and work engagement as mediating variable to bank agent's performance
Impacts of financial literacy and confidence on the severity of financial hardship in Australia
DP140101031
Financial literacy among youth
Designing materials toward changing financial behavior
Financial behavior, confidence, risk preferences and financial literacy of university students
Critical financial literacy: An agenda
The authors gratefully acknowledge valuable comments and suggestions from the editor and two anonymous referees. We als
Improvement of financial literacy as a crucial factor of economic development
Disentangling financial literacy: Threedimensional approach to analysing management of personal fin
Entrepreneurship education and its influence on financial literacy and entrepreneurship skills in colle
The challenge of assessing financial literacy: Alternative data analysis methods within the Italian cont
Financial literacy and business performances improvement of micro, small, medium-sized enterprises
Financial literacy among university students: A study in eight European countries
Profile and differences in financial literacy: Empirical evidence
Web portals to support financial literacy in blended learning in the Czech Republic
Financial Literacy as a Driver for Responsible Energy Consumption
Life insurance as an investor in iraqi stock market [El seguro de vida como inversor en el mercado de
Solutions for higher competence in financial literacy of pupils at secondary school in the Czech Repub
The Case for the Need for Personal Financial Literacy Education in Botswana Secondary Schools
Financial literacy importance for entrepreneurship: A literature survey
A critically compassionate vision of accountability: Discipline-based art education, purposeful dialogue
Regulatory institutional quality and long-run primary capital market development: The Nigerian case
Financial literacy, risk tolerance and stock market participation
Financial literacy of SME managers' on access to finance and performance: The mediating role of financ
Mainstreaming tribals through financial literacy – a review of literature
Financial Literacy Competencies of Women Entrepreneurs in Kenya
Investigating retirement planning behavior of financially (IL) literate citizens in Croatia
Mining and linguistically interpreting summaries from surveyed data related to financial literacy and
Association of Financial Literacy with Hospitalization in Community-dwelling Older Adults
Financial behavior and problems among college student in Indonesia: The role of financial knowledge
Assessing a community-based financial literacy program: A case study in California’s Silicon Valley
Homelessness and money management in military veterans
Changing saving and investment behaviour: The impact of financial literacy training and reminders o
Financial literacy: From theory to practice
Financial literacy among Malaysian: Level of financial knowledge score
A correlational study on savings, spending, investment and insurance among students at tertiary leve
Is the literacy of small business owners important for cash flow management?: The experts’ perspect
Too far away to care about? Predicting psychological preparedness for retirement financial planni
Financial behaviors of rural households in South India
Financial literacy education in a work release program for an incarcerated sample
Research on the path of financial quotient education in China’s application-oriented undergraduate co
Economic abuse within intimate partner violence: A review of the literature
Financial Education for Radiology Residents: Significant Improvement in Measured Financial Literacy
Build financial capability for all
More education, less regulation: Restrictions imposed by state interventions and consumer protection
Computers may not make mistakes but many consumers do
Reduce extreme economic inequality
Personal Finance Education for Residents: A Qualitative Study of Resident Perspectives
Effects of money attitudes and credit card usage on young Malaysians' compulsive buying
Testing the financial capability framework: Findings from YouthSave-Impact study Kenya
Measuring the awareness on financing long term care cost among public and private sector employee
Robo-advisors and financial decision inertia: How choice architecture helps to reduce inertia in financ
Analysis of rural farm households' access to formal agricultural credit in yola south local governmen
Does financial education enhance financial preparedness? Evidence from a natural experiment in Si
BARUA RASHMI * KOH BENEDICT MITCHELL OLIVIA S. School of International Studies, Jawaharlal Nehru University , New Delhi
Finance, a new old science
Informal bankruptcy: Health expenditure shocks and financial distress avoidance
The credit card debt puzzle and noncognitive ability
An introduction to the understanding America study internet panel
Taclaro: Test and validation of the prototype
Are financial retirement incentives more effective if pension knowledge is high?
We are grateful to Jeannette Brosig-Koch, Colin Green, Timo Heinrich, Christoph Helbach, Reinhold Schnabel, and numerous s
Financial literacy of students in chosen universities - Research platform for regulatory processes of e
How to prevent unhelpful personality traits from evolving into unhelpful financial behaviors: The benef
A statistical profile of payday loan clients from national surveys
Financial Struggles of a Small Community-Based Organization: A Teaching Case of the Capacity Parad
Environmental education and other cross-curricular themes
The effects of financial stress of employee in the construction industry
Preventing over-spending: Increasing salience of credit card payments through smartphone intervent
Tax literacy
Status of consumer education and financial education in Canada (2016)
Overconfidence among beginners: Is a little learning a dangerous thing?
Informed and uninformed investors in Iran: Evidence from the Tehran Stock Exchange
Non-macroeconomic factors of stock market volatility: A vector error correction approach
Exploring the contributions of informal ethnic entrepreneurship to economic development in Nigeria
Access to credit and saving behaviour of Generation Y students. Are we educating an over-indebted
Competencies physicians need to lead – a Canadian case
Moderation effect on Islamic banking preferences in UAE
Attitudes toward purchase, saving and indebtedness in university graduates from a public university
Pilot study protocol to inform a future longitudinal study of ageing using linked administrative data:
Funding This project was part-funded by the National Institute of Aging (RAG044535A) in the USA and was also part-funded by
Who enrols in voluntary micro health insurance schemes in low-resource settings? Experience from a
The current research was funded by The Rockefeller Foundation through the JPG School of Public Health, BRAC University, gra
A cross sectional study of factors influencing childhood immunization in a tertiary care institution of
Critical success factors in managing sustainable indigenous businesses in Australia
The role of legal acts of the Central Bank of the Russian Federation in ensuring bank security
Social protection system in India: An assessment of the recent initiatives
Exploring perceptions of bitcoin adoption: The south african virtual community perspective
Financial literacy and risky asset holdings: evidence from China
71232003"
The influence of financial literacy towards risk tolerance
Finance-informed citizens, citizen-informed finance: An essay occasioned by the international handboo
The Money Mentors program: Increasing financial literacy in Utah youths
The association between financial literacy and Problematic Internet Shopping in a multinational samp
Making ‘good’ or ‘critical’ citizens: From social justice to financial literacy in the Québec education p
A Survey of Retirement Readiness Among African-Americans
Cooperation of EAEU countries in implementation of national programs for improving financial literacy a
The Impact of Social and Financial Education on Savings Attitudes and Behavior Among Primary Schoo
Remittances in north and central asian countries: Enhancing development potential
African American Financial Socialization
KASHING: A financial literacy microlecture app
Economic cognitions among older adults: Parental socialization predicts financial planning for retire
Economic System and Financial Literacy: Evidence from North Korean Refugees
This work was supported by the National Research Foundation of Korea Grant funded by the Korean Government (NRF-2013S
Financial insecurity and risk experiences of justice involved persons with severe mental illness
Who is saving privately for retirement and how much? New evidence for Germany
Precautionary savings, retirement planning and misperceptions of financial literacy
Financial literacy, role models, and micro-enterprise performance in the informal economy
The uses of financial literacy: Financialization, the radical imagination, and the unpayable debts of set
What curriculum? Which methods? A cluster randomized controlled trial of social and financial educ
This research would not have been possible without the numerous hours of dedicated teachers, students, and staff. We would
Insights and directions for sociological approaches to saving: The case of a Financial Education Progr
A review of consequences of poverty on economic decision-making: A hypothesized model of a cogn
Socio-economic and demographic determinants of Indian youth financial literacy: Determinants of fina
Pocket cartoons: Learning financial literacy with mobile cartoons in Malaysia
Does financial education impact financial literacy and financial behavior, and if so, when?
An Investigation on Early Voluntary Withdrawals from Individual Retirement Accounts: An Empirical
Application of the metacognitive strategy in economic education in the czech republic
Financial sophistication and portfolio choice over the life cycle
d Study, Harvard University.

Social Ties and the Demand for Financial Services
Unpacking financial subjectivities: Intimacies, governance and socioeconomic practices in financialisa
Psychological factors contributing to the financial weil-being of an individual: A review of empirical li
Banking Products: You Can Take Them with You, So Why Don’t You?
We thank three anonymous referees for careful reading of the manuscript and their feedback and suggestions. We are further
Implementation and impact of an online tool used in primary care to improve access to financial benef
Funding This study was supported by the Canadian Institutes of Health Research (FRN: 142877), Intuit Foundation, Research M
The impact of work experience on students’ financial behaviour
Challenges in evaluating financial literacy
Evaluation and turbulent times: Reflections on a discipline in disarray
Stretching Every Dollar: The Impact of Personal Financial Stress on the Enrollment Behaviors of W
The regression analysis of individual financial performance: Evidence from Croatia
MECD"
Financial literacy education in the United States: Exploring popular personal finance literature
The influence of financial literacy, risk aversion and expectations on retirement planning and portfoli
MOHE
ducation Malaysia under the Fundamental Research Grant Scheme (FRGS) No.FP025-2016, and also the Social Security Research Center (S
Separated by Bars or Dollar Signs? A Comparative Examination of the Financial Literacy of Those Inc
Financial literacy as competitive advantage for individual investors’ decision making
Status of financial literacy among small scale entrepreneurs: A case study
How Ordinary Consumers Make Complex Economic Decisions: Financial Literacy and Retirement Read
This research was supported by a grant from the U.S. Social Security Administration (SSA) as part of the Retirement Research C
The impact of financial management on innovation
Understanding and Using Data From the National Financial Capability Study
How does the web game design influence the behavior of e-banking users?
Gender Differences in Financial Education: Evidence from Primary School
Understanding financial knowledge, financial attitude, and financial behavior of college students in i
Health insurance subsidies and deductible choice: Evidence from regional variation in subsidy schem
gestions and comments on the paper. We are grateful to Berit C. Gerritzen, Isabel Martinez and Alma Ramsden from the University of St.
The Association Between Consumer Competency and Supplemental Nutrition Assistance Program Parti
58-5000-1-0050"
Financial literacy education program post financial housing crisis: Community based financial litera
Measuring Islamic financial literacy
esprovided,bearing 1. S. A. Cole, T. A. Sampson, and B. H. Zia, Financial literacy, financial decisions, possibilityofdefectivegoods. and the de
The relationship between demographic factors towards financial literacy and financial inclusion amon
College student financial behavior: An empirical study on the mediating effect of attitude toward mo
Determinants of potential stock market participation of young Koreans: A survey
To trust is good, but to control is better: How investors discipline financial advisors’ activity
We thank Annamaria Lusardi, Olivia Mitchell, Chiara Monticone, and seminar participants at the Cherry Blossom Financial Edu
Is Financial Literacy a Determinant of Health?
Bringing Voluntary Financial Education in Emerging Economy: Role of Financial Socialization During
A novel income security intervention to address poverty in a primary care setting: A retrospective ch
Funding This study was supported in part by the TD Financial Literacy Grant Fund. Dr. Andrew D. Pinto is supported by the Dep
Social networks and their incidence in the customer-bank relationship [Las redes sociales y su incidenc
Cultivating the self-reliant and responsible individual: the material culture of financial literacy
The research leading to these results has received funding from the European Union Seventh Framework Programme (FP7/20
Introduction to special issue on the material cultures of financialisation
nd Sustainable Development (FESSUD), which is funded by the European Union under Framework Programme 7 [contract number 266800
Inclusive financial literacy education for inspiring a critical financial consciousness: an experiment i
Beyond rational behaviour: the non-financial variables that condition shareholder action during a ta
14-56102-P]; Santander Financial Institute [grant number APIE 2/2015-17]. Suggestions received from Nikos Georgantzis, William Forbes,
Towards more sustainable debt attitudes and behaviors: the importance of basic economic skills
Financial literacy and numeracy of consumers and retail investors
rvice, March 2015) 5https:// masjumpprdstorage.blob.core.windows.net/cms-production/financial-capability-and-wellbeing.pdf> accesse

Financial literacy, financial advice, and financial behavior
Financial literacy and retirement planning in Canada
Attitude towards money: Mediation to money management
Visual tools and narratives: New ways to improve financial literacy
Financial knowledge and key retirement outcomes: An overview of the issue
Financial knowledge and 401(k) investment performance: A case study
Potential of Maple as a tool for improving financial education of future teachers
Improving numeracy through values affirmation enhances decision and STEM outcomes
Financial vulnerability of working adults in Malaysia
Financial literacy education: Edu-regulating our saving and spending habits
The macroeconomic determinants of financial literacy in the European Union (on the example of nume
Financial Literacy, Portfolio Choice and Financial Well-Being
71232003"
SME Managers and Financial Literacy
Relationship between financial satisfaction and financial literacy: Exploring gender differences [Odnos
Financial literacy, financial advisors, and information sources on demand for life insurance
How Financially Literate Are Women? An Overview and New Insights
Don't lapse into temptation: a behavioral explanation for policy surrender
Financial Literacy, Broker–Borrower Interaction and Mortgage Default
Improvement of Russian pension fund scheme: Financial priorities in using population’s incomes and
Fostering Rural Financial Services through Technology: The Case of FINO PayTech
Fed speak on main street: Central bank communication and household expectations
An assessment of residents' and fellows' personal finance literacy: an unmet medical education need
Pathway to Financial Success: Autonomy Through Financial Education in India
Cluster randomized evaluation of Adolescent Girls Empowerment Programme (AGEP): Study protocol
A comparison of financial literacy between native and immigrant school students
Financial literacy: A barrier to home ownership for the young?
Financial literacy, present bias and alternative mortgage products
How Financial Literacy, Federal Aid Knowledge, and Credit Market Experience Predict Loan Aversion
Using humorous images to lighten the learning experience through questioning in class
MOST: MY3"
Add-on pricing in retail financial markets and the fallacies of consumer education
The role of financial self-efficacy scale in predicting financial behavior
ersiti Teknologi MARA (UiTM) is acknowledged.

The growing need for resources to help older adults manage their financial and healthcare choices
The Test of Financial Literacy: Development and measurement characteristics
Using the U.S. Test of Financial Literacy in Germany—Adaptation and validation
What You Think You Know: The Effects of Prior Financial Education and Readability on Financial Discl
Financial therapy in foster care
Mind the Gap: Inconsistencies Between Subjective and Objective Financial Risk Tolerance
Perspectives on evaluation in financial education: Landscape, issues, and studies
The effect of personality traits on households’ financial literacy
Representing Swiss vocational education and training teachers’ domain-specific conceptions of financ
Participate or observe? Effects of economic classroom experiments on students’ economic literacy
Who is internationally diversified? Evidence from the 401(k) plans of 296 firms
Transitioning to Adulthood from Foster Care
Factors that Influence Financial Literacy: A Conceptual Framework
Common service center's innovative delivery of financial literacy and investor awareness
ICT-based financial and investor literacy through common service centres
Association of financial and health literacy with cognitive health in old age
R01AG33678
Lessons in financial literacy task design: authentic, imaginable, useful
Development of a financial literacy course for patients with newly diagnosed cancer
Other ways of being: challenging dominant financial literacy discourses in Aboriginal Context
A multivariate study of over-indebtedness' causes and consequences
Financial Adviser Anxiety, Financial Literacy, and Financial Advice Seeking
The Affordable Care Act and Consumer Well-Being: Knowns and Unknowns
Has Greater Stock Market Participation Increased Wealth Inequality in the Us?
Activating consumers for better service coproduction outcomes through eustress: The interplay of fir
The influence of socio-demographic and financial knowledge factors on financial management practi
Incorporating economics into fisheries management frameworks in Australia
ROBO-advisors and investors: Enhancing human-robot interaction through information design
Adolescents’ and young adults' naïve understandings of the economic crisis
How does gender really affect investment behavior?
Exponential-growth bias and overconfidence
Teaching Financial Literacy With Max and Ruby
A Multi-university Economic Capability-building Collaboration
The employment environment for youth in rural South Africa: A mixed-methods study
058893/Z/99/A
CPC: T32 HD007168

Personal entrepreneurial characteristics and economic literacy: A comparison between university stu
Financial literacy and savings decisions by adult financial consumers in Zimbabwe
Financial literacy and playing intention of financial literacy digital game
Assessment of rural household financial literacy in Tamilnadu
Financial literacy in Tunisia: Its determinants and its implications on investment behavior
Conceptualisation and operationalisation of islamic financial literacy scale
The authors would like to thank the Ministry of Education of Malaysia (MOE) for funding under the Fundamental Research Gra
Does financial education matter? Education literacy among undergraduates in Malaysia
The state of students’ financial literacy in selected Slovak universities and its relationship with active
Education and training for financial Literacy: The role of banks-case study Slovenia
Financial literacy and financial behaviour among Malaysian school teachers
Financial literacy among educated urban youth: Issues and challenges (an empirical study among the
Financial literacy and financial planning: Implication for financial well-being of retirees
Institutional framing and financial inclusion: Testing the mediating effect of financial literacy using
The relationship between access to finance and growth of SMEs in developing economies: Financial l
Literacy matters in marketing
Financial literacy among Mexican high school teenagers
Teachers' perceptions of financial literacy and the implications for professional learning
Preconditions of financial safety during lifecycle: The financial literacy and retirement planning in Vi
Student teachers' capacity and willingness to teach financial literacy in flanders
Endogenous financial literacy, saving, and stock market participation
Financial literacy, trust and retirement planning
Financial literacy in emerging economies: Do all components matter for financial inclusion of poor h
The political economy of education, financial literacy, and the racial wealth gap
Does financial literacy moderate the relationship among demographic characteristics and financial ri
Financial literacy in India: A review and road map ahead in the times of digitalization and demonetiza
The influence of financial literacy and culture on financial inclusion in Medan city through branchless
Attitudinal factors, financial literacy, and stock market participation
Financial education and financial satisfaction: Financial literacy, behavior, and capability as mediators
An investigation of the impact of financial literacy, risk attitude, and saving motives on the attenuati
Family background and financial literacy of Italian students: The mediating role of attitudes and moti
Old age and the decline in financial literacy
Time perspective and financial health: To improve financial health, traditional financial literacy skills
What Motivates a Learner Manager of a Logistic Company to Achieve Financial Literacy?
Balancing responsibilities – Financial literacy
Approaches to the development of cognitive process dimensions in financial literacy: An empirical st
Mining and linguistically interpreting data from questionnaires: Influence of financial literacy to beha
Personal financial literacy among high school students in Raub Pahang, Malaysia
Financial self-efficacy: A mediator in advancing financial inclusion
Impact of the online car rental service order system on sales turnover with financial literacy customer
Designing for financial literacy: Co-design with children in rural Sri Lanka
Clear, conspicuous, and improving: US corporate websites for critical financial literacy in retirement
Financial literacy and the use of interest-only mortgages
Stock market participation puzzle in emerging economies: The case of Lithuania
"Edu no Planeta das Galinhas": Development process of a game about financial education for childre
Pre-service teachers’ awareness of interdisciplinary connections: Mathematics, financial literacy, and s
Moderation effect of gender on financial literacy, money attitude, financial strains and financial capab
Challenges in assessing the effectiveness of financial education programs: The Colombian case [Desaf
Financial planning for retirement in young adults: Interaction of professional experience, knowledge,
Factors influencing the demand for life insurance in Malaysia
Do the effects of individual factors on financial risk-taking behavior diversify with financial literacy?
The effects of perceived and actual financial knowledge on regular personal savings: Case of Vietnam
EMPLOYEE FINANCIAL LITERACY AND RETIREMENT PLAN BEHAVIOR: A CASE STUDY
African entrepreneurs and their attitudes towards support and advice on debt and bankruptcy
Predictors of consumers' health insurance knowledge
Factors associated with financial risk tolerance based on proportional odds model: Evidence from S
Undergraduates’ responses to factors affecting their money management behaviour: some new insight
Determining factors of individual indebtedness among young Muslims
Consumer education and consumer protection: The perception of the lebanese banking consumer
Financial knowledge of youth in Latvia: Pilot survey results
Mapping patterns of financial distress among consumers in Zimbabwe
Does the bijak wang (Smart money) programme benefit schoolgoing children?
Investment decision making: Individual investment advisors approach analysis
Mediation effect of islamic financial planning intention in the behaviour framework of malaysian pub
Understanding the bankruptcy process by the black and minority ethnic (BME) entrepreneurs in Lon
Banking on Innovation, Innovation in Banking at ICICI Bank
Systematic mistakes in the mortgage market and lack of financial sophistication
Determinants of perceived and actual knowledge of commission paid by contributors in the pension
Knowledge as a predictor of insurance coverage under the affordable care act
The effects of personal financial knowledge on financial behavior
Business and workplace information literacy: Three perspectives
Saving behaviour: Economic and psychological approaches
Introduction to the financial services in Africa special issue
Living in poverty: Understanding the financial behaviour of vulnerable groups
Competition and consumer protection in the Romanian banking sector
Between business and academia in postwar Britain: Three advocates of neoliberalism at the heart of
From bankruptcy to restart among black and minority ethnic (BME) entrepreneurs in London
Decomposing the theory of planned behaviour and incorporating spiritual intelligence to further unde
Personal loan companies in Poland: Does empirical evidence justify regulatory transition?
Reproduction of social inequalities in the case of economic education in vocational education and tra
Awareness about equity investment among retail investors: a kaleidoscopic view
Women empowerment through self help groups - Microfinance as a tool
Economic crisis: Perceptions and consequences [Crisi economica: Quali percezioni, quali conseguenze
Saving motives, gender, and the use of financial advisory services
The adoption of Islamic banking services in Malaysia
The authors would like to acknowledge the financial support provided by University of Malaya under the Equitable Society Res
Cash Flow Training and Improved Microfinance Outcomes
Do bank credit rejection and financial education affect financial self-confidence?
Islamic religiosity and portfolio allocation: the Malaysian context
Acceptability of a microfinance-based empowerment intervention for transgender and cisgender wo
Research for this paper was supported by a grant from the National Institute on Drug Abuse (K01 DA038529, JAW) and a Minis
Financial threat and individuals’ willingness to change financial behavior
Determining advanced and basic financial literacy relations and overconfidence, and informative socia
Financial literacy education in the United States: Library programming versus popular personal financ
An intersectional approach to evaluating consumer financial literacy
Financial literacy and over-indebtedness in low-income households
Financial literacy and debt burden among Malay youth workers in Malaysia
ersiti Teknologi MARA (UiTM) and Agensi Kaunseling dan Pengurusan Kredit (AKPK) are acknowledged.
A Randomized Controlled Trial of a Financial Literacy Curriculum for Survivors of Intimate Partner Vi
Wealth optimization: A conceptual model of financial literacy, financial socialization, parental norm
When I First Learned about Retirement: Financial and Retirement Concept Recognition among Colleg
The use of mobile devices to support daily routines of teens with Down syndrome: A case study
Complementary relationship between female directors and financial literacy in deterring earnings m
Financial preparedness for income shock among malaysians
A Case Study Demonstrating the Use of Appreciative Inquiry in a Financial Coaching Program
Household financial planning and savings behavior
On the Propensity to Surrender a Variable Annuity Contract: An Empirical Analysis of Dynamic Policy
Behavioral biases of finance professionals: Turkish evidence
Is the belgian youth ready to save for retirement under a defined contribution pension system?
A glimpse of the complexity of factors that influence financial literacy
Financial literacy, confidence and financial advice seeking
Consumer financial education and financial capability
Financial literacy: A key skill to manage a pharmacy's financial health
A Feminist Moral-Political Economy of Uneven Reform in Austerity Britain: Fostering Financial and Par
Mortgage risks, debt literacy and financial advice
Directors’ duties of care and the value of auditing
Don’t fear risk, learn about it: how familiarity reduces perceived risk
Adult financial literacy and households' financial assets: The role of bank information policies
Financial inclusion in India through Pradhan Mantri Jan Dhan Yojana: An empirical analysis of statisti
Individual and Social Influences on Students’ Attitudes to Debt: a Cross-National Path Analysis Usi
An analysis of economic learning among undergraduates in introductory economics courses in Germ
Financial Knowledge and Behaviors of Chinese Migrant Workers: An International Perspective on a Fi
From Being Unbanked to Becoming Unbanked or Unbankable: Community Experts Describe Financial Pra
Effect of education on the level of contributions to private pension schemes of families in Spain [Les
"There's a Difference - I Own This": Negotiating social and financial services under threat of mortgag
Corporate share repurchases in the UK Perceptions and practices of corporate managers and investo
Are professional psychology training programs willing the future to economic illiterates?: a clarion cal
The perception-reality gap in financial literacy: Evidence from the most literate state in India
Gender differences and stereotypes in financial literacy: Off to an early start
Downside financial risk is misunderstood
Informal Loans in Russia: Why Not to Borrow from a Bank?
Financial Education and the Debt Behavior of the Young
Alternative service-learning projects in mathematics: Moving away from tutoring and consulting
Gender differences in financial risk taking: The role of financial literacy and risk tolerance
Financial Literacy and Financial Behaviour: Experimental Evidence from Rural Rwanda
Transition from Foster Care to Independent Living: Ecological Predictors Associated with Outcomes
Financial attitude based segmentation of women in India: an exploratory study
Solution-focused financial therapy with couples
The Development of the Financial Literacy Program at the Community College of Baltimore County
Assessing financial education methods: Principles vs. rules-of-thumb approaches
Decreasing Your Student Loan Cohort Default Rate: Leading a College-Wide Change Initiative at Mo
Psycho-social and educational aspects of development of financial literacy in adults
Socio demographic determinants of financial literacy of the citizens of the republic of Croatia [Soc
Financial literacy among high school students in the Mexico City metropolitan area [Alfabetismo fin
Assessing the effects of financial literacy on patient engagement
Financial competence, overconfidence, and trusting investments: Results from an experiment
Financial literacy and its contributing factors in investment decisions among urban populace
Study protocol for a randomized clinical trial of a fatherhood intervention for African American non
Research reported in this publication was supported by the National Institute of Nursing Research of the National Institutes of
Microinsurance Decisions: Gendered Evidence from Rural Bangladesh
The level of understanding and strategies to enhance financial literacy among Malaysian
Teens, parents, and financial literacy
Financial literacy and subjective expectations questions: A validation exercise
The money tree
Validating the executive personal finance scale with financial investments and expectations in univer
Learning for life and/or work: The status quo of pre-vocational education in India, China, Germany a
CAN the POOR BE TRAINED to BE ENTREPRENEURS? the CASE of the ACADEMY for CREATING ENTERPR
The significance of financial self-efficacy in explaining women's personal finance behaviour
Public Perceptions of Regulatory Costs, Their Uncertainty and Interindividual Distribution
Financial and economics subjects, utilization of LMS blackboard and results from examination
Habitus in relation to the stock market: National features
Using the concept of social space to analyze the relationship between commercial banks and the pop
Socioeconomic and financial literacy in 21st century Mexican adolescents [Alfabetización socioeconóm
Determinants of financial literacy and financial inclusion disparity within a region: Evidence from Ind
Financial education of children and youth
The influence of gender and product design on farmers' preferences for weather-indexed crop insur
This paper is dedicated to the memory of Dr. Paula Kantor who worked widely in Bangladesh and Afghanistan researching the
Financial literacy is associated with white matter integrity in old age
Financial literacy of high school students: Evidence from Germany
Fuelling financial literacy: estimating the impact of youth entrepreneurship training in Tanzania
Using online compound interest tools to improve financial literacy
Financial literacy and retirement planning in Chile
Determinants of Private Long-Term Care Insurance Purchase in Response to the Partnership Program
Assessing the previous economic knowledge of beginning students in Germany: Implications for teach
Effect of financial stress and positive financial behaviors on cost-related nonadherence to health r
Financial inclusion in India: An analysis of pattern and determinants
Approaches to teaching financial literacy: Evidence-based practices in Singapore schools
Financial literacy in Germany
International handbook of financial literacy
Teachers' financial literacy from a Swiss perspective
Financial literacy in South Africa
Financial literacy in the twenty-first century: An introduction to the international handbook of financia
Construct validity with structural equation modelling
Preparing preservice elementary teachers to teach about financial literacy: Towards a broader conce
Financial literacy in Switzerland
A design-based intervention approach to the development of a financial literacy interactive learning
Infusing financial literacy in primary mathematics: A proposed framework for instruction
In the shoes of luca pacioli-double entry bookkeeping and financial literacy
Financial literacy in Indonesia
Sociological perspective on financial literacy: A critical examination of three assumptions underlying
Financial literacy of adolescents and young adults: Setting the course for a competence-oriented as
Mexico: Financial inclusion and literacy outlook
Enhancing the financial literacy of young people: A conceptual approach based on the variation theor
The development and promotion of financial literacy standards: Establishing standards in the United
Financial literacy to financial capability: Building financial stability and security
Financial literacy education as a public pedagogy: Consumerizing economic insecurity, ethics and de
A metacognitive approach to financial literacy
Financial literacy and financial incomprehensibility
Youth financial literacy in the United States: A patchwork approach
Politics and argumentation in financial literacy education policy
Building the financial education capacity of teachers: Does it make a difference?
The policy context for financial education in New Zealand
Financial education in teacher training with technological support
Children's monetary decision making: The role of metacognition in everyday problem solving
Behavioral finance and financial literacy: Educational implications of biases in financial decision maki
Financial education in Romania
Gender and student achievement in personal finance: Evidence from keys to financial success
Measurement of young adults' attitudes towards money
Children and youth as economic citizens: Working towards an integrated financial education approac
Combining development and education: Why do decision-making and social norms matter for financi
Following the trail from political discourse to curriculum reform: Reflecting on the shape of financial
Financial literacy in the Netherlands
Financial literacy in Austria
Evaluation of financial literacy development of high school students: A longitudinal mixed methods s
Development of a financial literacy model for university students
The authors are grateful to the National Council for Scientific and Technological Development (CNPq) for financial support.
An exploratory study of financial literacy training for accounting and business majors
Women and financial literacy
Personal pension investments and the role of financial literacy
Evaluation of financial literacy in Viet Nam and national financial education program
Board attributes and foreign shareholdings in Malaysian listed firms
MOHE
This paper derives from a research project "Corporate Governance Practices and Foreign Investment", funded under the Fund
Promoting better lifetime planning through financial education
Jack soper: A pioneer in economic education
A collaborative approach to financial literacy in the Chicago public schools
Ambiguity aversion and household portfolio choice puzzles: Empirical evidence
Towards a service system for social innovation in education: A possible application of MOOCs
Are women financially educated? A study with reference to earning women of Aurangabad District,
Statistical analysis of the financial activity of households in the context of macroeconomic fluctuation
The language of money
Mindfulness in financial literacy
The relationship between financial disputes and financial literacy
Implementing a Financial Management Curriculum With Survivors of IPV: Exploring Advocates’ Exper
Financial Development, Remittances and Economic Growth: Evidence Using a Dynamic Panel Estimat
Are individual investors dumb noise traders: An analysis of their cognitive competence based on exp
Virginia Woolf and the Politics of Class
Living beyond one's means: Evidence from Malaysia
Financial Literacy Education: Addressing Student, Business, and Government Needs
Financial literacy in the workplace
Financial literacy: National endowment for financial education
How twentysomethings are changing financial literacy education
Financial literacy: A pathway to financial well-being
Collegiate financial literacy: The ohio state university example
Financial literacy education at harrisburg university of science and technology: A case study
Financial Inclusion in Rural Uganda: Testing Interaction Effect of Financial Literacy and Networks
Comparing the Financial Literacy of Public School, Christian School, and Homeschooled Students
A multi-method exploration of the relationship between knowledge and risk: The impact on millennia
"Bolsa Família X" Program Financial Literacy: In search of a model for low-income women [Programa
Causes, effects and solutions of overspending behavior in university students
The effects of perceived and actual financial literacy on financial behaviors
Financial literacy and engagement in banking
Teaching middle-grades mathematics through financial literacy
Financial literacy and financial literacy programmes in Australia
Fraud and its PREY: Conceptualising social engineering tactics and its impact on financial literacy ou
Financial literacy of latvian citizens: Findings and conclusions
Savings decisions of American households: The roles of financial literacy and financial practice
Assessment of individual Financial Literacy level depending on respondent profile
Performance implications of financial capital availability on the financial literacy - Performance nexus
Social capital: mediator of financial literacy and financial inclusion in rural Uganda
Impact of financial literacy on domestic economic activity in the Baltic States
Financial literacy and long- and short-term financial behavior in different age groups
Are Australians under or over confident when it comes to tax literacy, and why does it matter?
The moderating influence of financial literacy on the relationship between access to finance and fir
Financial literacy, risky mortgages, and delinquency in the US during the financial crisis
The influence of education and experience toward investment decision with moderated by financial l
Financial literacy and retirement planning: Evidence from Israel
Islamic financial literacy and its determinants among university students: An exploratory factor analys
Assessment of behavioural outcomes of financial education workshops on financial behaviour of the
Does microfinance training enhance the financial literacy among members of self help groups?
Teaching for economic literacy and economic justice with and through the arts
Financial literacy and the limits of financial decision-making
Fostering economic literacy for K-12 students through the college, career, and civic life (C3) framewo
Economic literacy spillovers into the high school general economics course from teaching the advan
Financial literacy of secondary school students. Case study from the Czech Republic and Slovakia
Financial literacy among children: the role of involvement in saving money
The effectiveness of financial literacy instruction: The role of individual development accounts partici
Role of financial literacy in achieving financial inclusion
12 Pillars' framework for successful financial inclusion in india
Teaching business and economic journalism: Fresh approaches
Aging and strategic learning: The impact of spousal incentives on financial literacy
Stimulating aggregate expenditures using financial instruments for the public culture
Financial literacy in China as an innovation opportunity
Cognitive drivers of suboptimal financial decisions: Implications for financial literacy campaigns
Audit committee attributes and financial reporting quality in Nigerian quoted companies
Financial literacy in university students: Characterization at the institución universitaria esumer [Con
The end of information literacy (?)
Level of financial education in higher education scenarios: An empirical study on students of econom
Impact of financial literacy and investment experience on risk tolerance and investment decisions: E
The Psychology and Neuroscience of Financial Decision Making
The influence of financial risk tolerance on investment decision-making in a financial advice context1
Enhancing financial information literacy in Italian public libraries: A preliminary study
Choosing today for tomorrow: The insurance agent’s influence over the choice of pension savings tra
Gender stereotyping in financial advisors’ assessment of customers
The relationship of financial education and optimism in the use of credit cards [A Relação da Educaç
Market failure, regulation and education of financial advisors
The knowledge gap in workplace retirement investing and the role of professional advisors
Inclusive Islamic financial planning: a conceptual framework
Use of business analysis in beef businesses to direct management practice change for climate adapt
Financial inclusion - A field survey of Thanesar block
High school curriculum and financial outcomes: The impact of mandated personal finance and mathe
A normative approach to motivating savings behavior: The moderating effects of attention to social
Public and Private Challenges of an Aging U.S. Population
Pradhan Mantri Jan Dhan Yojana (PMJDY): A step towards eradicating financial untouchability
Socioeconomic characterization and equity market knowledge of the citizens of Barranquilla, Colomb
Guillén León: Professor of Business and International Finances, Universidad Autónoma del Caribe. Em
A population on the brink: American renters, emergency savings, and financial fragility
Asset allocations in a thai defined contribution fund: A behavioural experiment conditioned by financi
Measuring Financial Inclusion of Indian States
Factors affecting retirement confidence among women in Peninsular Malaysia government sectors
What drives mobile money services demand by farmers in Ghana? A study of maize farmers
From Foster Care to Adulthood: The Role of Income
Consumer rationality/irrationality and financial literacy in the credit card market: Implications from a
Innovations in economic education: Promising practices for teachers and students, K-16
Features of students’ economic competence formation
Creating and Sustaining a First-Year Course in Quantitative Reasoning
Development of internet banking on banking services market
ChartMaster: A tool for promoting financial inclusion of novice investors
Semantic technology for financial awareness
Post-entrepreneurs: Self-employed people in retirement: The case of old age pensioners in Germany
Financial exclusion and financial capabilities in Canada
The determinants of financial inclusion: Evidence from Indonesian districts
Toward a fungible scrip: Orestes Brownson's Boston Quarterly Review and the valuation of American
Microfinance and poverty reduction strategy for promoting national development: The challenge of so
Why do higher secondary students like cooperation but reject collaboration in an online environmen
Contributions to Defined Contribution Pension Plans
Shamba Maisha: Pilot agricultural intervention for food security and HIV health outcomes in Kenya: de
Childhood roots of financial literacy
We would like to thank participants at several seminars and workshops, in particular Gerrit Antonides, Alessandro Bucciol, Seb
Gender, stock market participation and financial literacy
Subjective belief distributions and the characterization of economic literacy
Economic education via consumer advice programmes? Informal learning based on the example of the
Credit card balances and repayment under competing minimum payment regimes
ChartMaster: A tool for interacting with stock market charts using a screen reader
Financial literacy in Portugal: State of the art and gap analysis
Library Finances 101: Developing Workplace Financial Literacy in Your Staff and Institution
Risk Information and Retirement Investment Choice Mistakes Under Prospect Theory
entre for Pensions and Superannuation (CPS) and the Centre for the Study of Choice (CenSoC), for the Australian Research Council (ARC) p
Poorer Financial and Health Literacy among Community-Dwelling Older Adults with Mild Cognitive I
K23AG40625
The authors disclosed receipt of the following financial support for the research, authorship, and/or publication of this article:
Mutual fund performance and investor's perception: An Indian perspective
Financial literacy and portfolio diversification: an observation from the Tunisian stock market
Using a financial health model to provide context for financial literacy education research: A comme
Enhancing links between research and practice to improve consumer financial education and well-be
Financial Literacy Skills for the 21st Century: Evidence from PISA
Presentation Format and Financial Literacy: Accessibility and Assessability of Retirement Savings Sta
Facing a Biased Adviser While Choosing a Retirement Plan: The Impact of Financial Literacy and Fair D
The Italian pension reform amid short terms financial constraints and long term restructuring goals [Ri
Audit Committee Essentials
Microfinance, Financial Literacy, and Household Power Configuration in Rural Bangladesh: An Empiri
More than a question of debt: A qualitative study of how seminarians think about money
Producing financially literate medical graduates - A national need for a brighter Pakistan
Impact of financial literacy of the population of the Russian Federation on behavior on financial mark
Role of psychological factors in individuals investment decisions
A rich interpretation of numeracy for the 21st century: a survey of the state of the field
A critically compassionate approach to financial literacy
The factors forming investor’s failure: Is financial literacy a matter? viewing test by cognitive mappi
College student financial capability: A framework for public policy, research and managerial action fo
Age differences in consumer financial capability
Empowering Physicians with Financial Literacy
Online investment advisors and novice users
Financial literacy in Southern Brazil: Modeling and invariance between genders
The authors are grateful for the financial support by National Council for Scientific and Technological Development (CNPq - gra
Youth Financial Literacy: A Review of Key Considerations and Promising Delivery Methods
Financial Capability and Economic Hardship Among Low-Income Older Asian Immigrants in a Suppo
Making the case for customer prototyping for financial planners to increase savings behavior
Investment competence and advice seeking
Measurement of financial literacy of universities students in Slovakia and necessity of education in t
Teaching teenagers in finance: Does it work?
The relationship between financial capability and financial stress, with a focus on the users of comm
Informing and improving retirement saving performance using behavioral economics theory-driven us
The business of death: A qualitative study of financial concerns of widowed older women
Retirement planning, financial literacy and small business owners
Giving Guidance When You Don't Have the Resources of a Swiss Bank: Answering Everyday Questions t
Gender Differences in Financial Literacy Among Hong Kong Workers
Financial literacy: Do people know the ABCs of finance?
Foreign currency borrowing and knowledge about exchange rate risk
Does literacy improve finance?
Do analysts treat winners and losers differently when forecasting earnings?
Finance, Geography of
Financial literacy and financial planning: Evidence from India
Risk Literacy
Financial Knowledge and Behaviour of Working Adults in Malaysia
Financial well-being among young employees in Malaysia
Financial Education for Preschoolers: Preparing Young Children for the 21st Century
Credit counseling: A substitute for consumer financial literacy?
Association of financial literacy and money management competence among Male and Female Univers
Financial literacy of Croatian citizens [Financijska pismenost građana u Hrvatskoj]
Investment in financial literacy, social security, and portfolio choice
Analysis of Financial Literacy Level of Retail Individual Investors of Gujarat State and Its Effect on In
A Systematic Review of Financial Literacy as a Termed Concept: More Questions Than Answers
rise of general media coverage and the increasing involvement of the U.S. government. The national Money Smart Week program was de
Arguments for and against financial literacy education: Where to go from here?
A study on the factors determining financial literacy of households
Stockholding in France: the role of financial literacy and information
Towards a framework for financial literacy in the context of democracy
Investigating of dimensions of financial literacy and its impact on participation in the stock market
The association between financial literacy and trust in financial markets among novice nonprofession
Financial literacy and the demand for financial advice
Migrants and self-reported financial literacy: Insights from a case study of newly arrived CALD migran
A study on the influence of financial literacy on individual savings behavior
Financial Literacy and Economics Education Among Young Adults: An Observation From Tunisia
An Analysis of the Nature of the Relationship Between SAT Scores and Financial Literacy
Financial Literacy: The Relationship to Saving Behavior in Low- to Moderate-income Households
Financial literacy, financial judgement, and retirement self-efficacy of older trustees of self-manage
Determining the economic literacy of introductory economic students in South Africa
A comparison on financial literacy between welfare recipients and non-welfare recipients in Brunei
The influence of consumer socialisation in the home on gender differences in financial literacy
Financial Literacy among Working Young in Urban India
Assessment of financial literacy levels - A case of financial attitude, behaviour and parental influen
Curbing the financial exploitation of the poor: Financial literacy and social work education
“There Was No Money Left to Save”: Financial Literacy and the Lives of Low-Income People
Leading the Way for Financial Literacy Education: A Case Study on Collaboration
Online Government Resources for Financial Literacy
Gender gap in financial literacy transcends national borders
Retirement planning, financial literacy and small business owners
A study on economic literacy levels of primary prospective teachers
Determinants of financial literacy: Analysis of the influence of socioeconomic and demographic varia
Do Financial Literacy Classes Help? An Experimental Assessment in a Low-Income Population
This research was supported by a Centers of Excellence grant awarded to the Department of Psychology at the University of M
The influence of financial literacy, money attitude, financial strain and financial capability on young
Financial Literacy and the Academic Library: Exploring the Peer-to-Peer Approach
How Does Household Portfolio Diversification Vary with Financial Literacy and Financial Advice?
Economic literacy and the socio-economic condition of coastal communities in Indonesia
Does advertising strategy matter in influencing mutual fund purchase?
Coproduction of Transformative Services as a Pathway to Improved Consumer Well-Being: Findings Fr
Financial literacy and investment decision in lower middle income
How much can financial literacy help?
Financial inclusion through financial education
Optimal Decisions on Pension Plans in the Presence of Information Costs and Financial Literacy
Aging and financial decision making
Annuity choices and income drawdown: Evidence from the decumulation phase of defined contributi
Financial literacy and student attitudes to debt: A cross national study examining the influence of g
m the Leverhulme Trust via the British Academy's Small Grants Programme, The authors would like to thank Joyce Serido for her help in co
Revaluing the role of parents as financial socialization agents in youth financial literacy programs
Preservice elementary teachers' economic literacy: Closing gates to full implementation of the social
Integration of a Financial Literacy Curriculum in a High School Economics Class: Implications of Vary
Coordinated actions in the field of financial education as a new approach to improve financial literac
Learning to fail: resilience and the empty promise of financial literacy education
Sirens’ Call: Understanding Poor Financial Decision Making and Credit Card Misuse
Financial literacy's effect on elicited subjective discount rate
Veterinary school applicants: Financial literacy and behaviors
Application of an Alternate Framework for Assessing Microfinance Programs' Contribution to Develop
Recognising and building on freshman students’ prior knowledge of economics
Financial literacy and educational systems in the oecd: A comparative analysis using PISA 2012 data
Importance of mathematics as support for financial education [Importancia de las matematicas como
Rangeland pastoralism in northern Australia: Change and sustainability
Can you help someone become financially capable? A meta-analysis of the literature
Gap analysis on financial knowledge and practice: Teachable opportunities
Challenges in learning for company’s financial viability assessment and management
Hyperbolic discounting and life-cycle portfolio choice
The Personal Budget Project: A practical introduction to financial literacy
The integration of financial and economic disciplines in the educational process of vocational educat
Innovation in state government: Pennsylvania’s financial education office
Financial Satisfaction and the Influence of Financial Literacy in Malaysia
System of family budgeting as a methodological basis for personal accounting and guarantee for growth
Borrower misreporting and loan performance
Sustainable and secure development: Facet of personal financial issues
Inflation expectations and behavior: Do survey respondents act on their beliefs?
A delphi study to identify personal finance core concepts and competencies of first-generation colle
The effect of financial knowledge and demographic variables on passive and active investment in Chil
An Examination of How People in Romantic Relationships Use Communication to Manage Financial U
Bringing imagination back to the classroom: A model for creative arts in economics
A Humanistic approach to understanding child consumer socialization in US homes
Individual and institutional factors related to low-income household saving behavior
Financial capability and asset accumulation for children's education: Evidence from an experiment o
Economic Well-Being and Independent Living in FosterYouth: Paving the Road to Effective Transitioni
Determinants of bank customers' demand for liquidity: The effect of bank capital and customers' char
Influencing retirement saving behavior with expert advice and social comparison as persuasive techn
Retirement policy: A review of the role, characteristics, and contribution of the Australian superann
Over-indebtedness in Europe: The relevance of country-level variables for the over-indebtedness of
How to reason with economic concepts: cognitive process of Japanese undergraduate students solvin
Does migration make financial sense? The case of domestic workers from Vietnam to Taiwan
Barriers and facilitators to health behaviour change and economic activity among slum-dwelling adole
Two sides of the same coin: Matter and embodiment in metaphors of money
Teaching Retirement Financial Literacy in an Undergraduate Gerontology Classroom: Broadening the C
Homeownership is not always a blessing
Homeownership is not always a blessing
An Army of Debt: Financial readiness and the military family
Member perceptions of ESG investing through superannuation
What drives behavioral intention of mobile money adoption? The case of ancient susu saving operat
Functional relevance of students' prior knowledge and situational uncertainty during verbal interac
Credit scores, cardiovascular disease risk, and human capital
Selected topics in financial literacy
Improving international students' understanding of local culture and financial institutions: A service l
Is financial literacy necessary for radiation oncology residents?
Superannuation retirement balances: A surprising outcome
Transparency and disclosure: Public company reporting and corporate inputs
Financial advice and asset allocation of individual investors
Self-control, financial literacy & the co-holding puzzle
What will my account really be worth? Experimental evidence on how retirement income projections
We are grateful to Jackie Singer and Shelly Wymer for their assistance with administering this project. The research reported h
Employment and work safety among 12 to 14 year olds: Listening to parents
Retirement planning and financial literacy
Consumer financial capability and financial satisfaction
Investigation of relationship between financial well-being and impulse buying behavior (Case study:
The influence of financial literacy, saving behaviour, and financial management on retirement conf
Regulation in microinsurance markets: Principles, practice, and directions for future development
Do key investor information documents enhance retail investors’ understanding of financial products
The minimal impact of a large-scale financial education program in Mexico City
Learning by doing: The role of financial experience in financial literacy
Keeping it simple: Financial literacy and rules of thumb
Building Political Economic Literacy in an Unexpected Place: Some curriculum suggestions for commu
Personal traits and individual choices: Taking action in economic and non-economic decisions
Economic literacy and policy perceptions during the financial crisis
Financial literacy and mortgage equity withdrawals
Learning and empowerment: Designing a financial literacy tool to teach long-term investing to illiter
Strong, smart and bold strategies for improving attendance and retention in an after-school interven
Mutual fund performance and investor's perception: An Indian perspective
Situating financial literacy
Financial literacy and remittance behavior of skilled and unskilled immigrant groups in Australia
The impact of financial literacy training for migrants
Job insecurity and financial distress
Why do retail investors make costly mistakes? an experiment on mutual fund choice
Over-indebtedness in microfinance - An empirical analysis of related factors on the borrower level
Exploring economics teachers perceptions of the Training-of-Teachers project as an professional de
Spending behaviour of a case of asian university students
Economic literacy and inflation expectations: Evidence from a laboratory experiment
Financial Literacy Overconfidence and Stock Market Participation
The nature of financial literacy
Financial literacy studies in South Africa: Current literature and research opportunities
Comparison of financial literacy between Korean and U.S. high school students
Conscientiousness, financial literacy, and asset accumulation of young adults
Factors associated with financial literacy among high school students in New Zealand
Financial Literacy and Economic Empowerment of Survivors of Intimate Partner Violence: Examining
This research was supported by The Allstate Foundation, Economics Against Abuse Program. The opinions and conclusions exp
Construct validity of financial literacy
Evaluation of a Financial Literacy Test Using Classical Test Theory and Item Response Theory
Roepke Lecture in Economic Geography-Financial Literacy in Context
Financial literacy as a prerequisite for citizens' economic security: Development of a measurement i
Financial literacy in rural banking: Proposal for an alternative approach
Financial literacy among Turkish college students: The role of formal education, learning approaches,
National standards for financial literacy: Rationale and content
Financial literacy: The federal government's role in empowering Americans to make sound financial c
Influence of financial literacy on management of personal finances in a young household [Finansin
Financial Literacy is Associated with Medial Brain Region Functional Connectivity in Old Age
R01AG17917
3678, K23AG40625 , the American Federation for Aging Research , the Illinois Department of Public Health , and the Marsha K. Dowd Phila
Financial literacy, education, and advice
Financial literacy education in the curriculum: Making the grade or missing the mark?
Determinates of financial behavior: Insights into consumer money attitudes and financial literacy
Shared cognitions in a field of informal education: Knowledge maps towards money management of
Financial literacy across the curriculum (and beyond)
Consumer rationality/irrationality and financial literacy in the credit card market: Implications from a
Financial Literacy, Risk Aversion and Choice of Mortgage Type by Households
Gender differences in financial literacy among Chinese university students and the influential factors
Financial literacy and community Colleges: How libraries can get involved
Financial literacy, financial education, and downstream financial behaviors
Financial literacy: Overlap of programs suggests there may be opportunities for consolidation
Lending terms, financial literacy and formal credit accessibility
Financial competence, risk presentation and retirement portfolio preferences
Once burned, twice shy? Financial literacy and wealth losses during the financial crisis
Is There a Pecking Order in the Demand for Financial Services in Mauritius?
Recent trends and new evidence in economics literacy among adults
Designing financial literacy and saving tools for the Unbanked and under-banked in Brazil
Financial literacy and financial sophistication in the older population
Do more financially literate households invest less in housing? Evidence from Italy
Financial literacy and neighborhood effects
The economic importance of financial literacy: Theory and evidence
Engineering economics as a general education course to expand quantitative and financial literacy
Earlier financial literacy and later financial behaviour of college students
Credit card behavior, financial styles, and heuristics
Financial Literacy and Emergency Saving
Financial literacy in the Imperium Romanum, using the example of the argentarii and signiferi. Docume
Consumer choice in retail banking: Are prices really relevant?
The cost model in the course financial literacy
Financial behaviour in the V4 countries using the global findex database
The need for economic literacy for students and teachers: Insights from John Dewey
The Relationship Between Personal Financial Wellness and Financial Wellbeing: A Structural Equati
Shoplifters of the world unite! law and culture in financialized times
Consumers or citizens? An economic and financial education framework for initial teacher training [
Why do individuals choose defined contribution plans? Evidence from participants in a large public p
Financial Well-being in Active Ageing
Low-income and economically vulnerable consumers: Assessment and federal empowerment strateg
Personal finance management tools in Czech Republic households
Financial culture among Albanian young people and its impact on the economy
Who you train matters: Identifying combined effects of financial education on migrant households
Formation of basics of hidden economy in households. Theoretical aspect
Audit committees, corporate governance, and shareholder wealth: Evidence from Korea
Presidential Address: Financial Inclusion
Financial Clarity: Education, literacy, capability, counseling, planning, and coaching
Training Considerations for MFTs in Couple and Financial Counseling
Audit committee multiple directorships and financial reporting quality in Nigeria: An evaluation of t
Impacts of ja BizTown on improving financial literacy among middle-school students
Low risk and high return - Affective attitudes and stock market expectations
Bringing savings opportunities to public elementary school children in resource-limited, rural commun
Financing old age dependency
Microworlds as the locus of consumer education in financial advisory services
Limited and varying consumer attention: Evidence from shocks to the salience of bank overdraft fees
Propensity toward indebtedness: An analysis using behavioral factors
We thank the National Council for Scientific and Technological Development (CNPq) for their financial support ( edict 06/2011
Microcredit and Metaphors in Subsistence Markets
Financial attitudes, knowledge, and habits of chiropractic students: A descriptive survey
Visualizing financial success: Planning is key
Can simple informational nudges increase employee participation in a 401(k) plan?
Financial education and economic growth: An overview of public and private policies around the wor
Patterns in Income Source Expectations for Retirement Among Preretirees
The determinants of microinsurance demand
Segregated school effects on first grade reading gains: Using propensity score matching to disentang
This research was supported by a grant from the American Educational Research Association which receives funds for its “AER
Affordable housing schemes: Overcoming homeownership problems
Determining the factors which affect the stock investment decisions of potential female investors in
The features and effectiveness of the Keys to financial success curriculum
Assessment of the use of theories within the journal of financial counseling and planning and the cont
Retail investors and financial advisors: New evidence on trust and advice taking heuristics
Asset Accumulation and Housing Cost Burden: Pathways to (Not) Saving
What do consumers know about the economy?: A test of minimal economic knowledge in Germany
Effects of credit card usage on young Brazilians’ compulsive buying
A perspective of microinsurance (MI): The case of South Africa
Five steps to planning success: Experimental evidence from US households
Teaching of basic economic notions in teacher formation. A proposal based in the experience of two
Microcredit participation and child health: Results from a cross-sectional study in Peru
Financial wellness awareness: A step closer to achieve Millennium Development Goals for Pakistan
Pre-service mathematics teachers' financial literacy
Understanding the long-term benefits of a latino financial literacy education program
Teaching the design of narrative visualization for financial literacy
Information Asymmetry and the Financial Consumer Protection Policy
The financial communication in times of crisis: The case of "bad banks". [La comunicación financiera e
Institutionalist policies for financial inclusion
egulatory Authority’s (FINRA) Investor Education Foundation, defines financial capability as encompassing “multiple aspects of behavior” r
The role of support services in promoting social inclusion for the disadvantaged urban-dwelling elder
Community Development Credit Unions: Securing and Protecting Assets in Black Communities
OAR"
Financial literacy: A comparative study across four countries
Community-Based Financial Literacy Education in a Cultural Context: A Study of Teacher Beliefs and P
SMME Owners' financial literacy and business growth
Discounting financial literacy: Time preferences and participation in financial education programs
Service-Learning and Leadership: Evidence from Teaching Financial Literacy
Internet use and decision making in community-based older adults
Financial literacy and its consequences: Evidence from Russia during the financial crisis
Public libraries in an age of financial complexity: Toward enhancing community financial literacy
What determines annuity demand at retirement?
Time inconsistency and retirement planning
Financial services and the trust deficit: Why the industry should make better governance a top priorit
Children and financial education: Challenges for developing financial capability in the classroom
Credit card usage among older adults: Assessing financial literacy and pressures
Financial and technical competence of municipal board members: Empirical evidence from the water
CEE transition from PAYG to private pensions: Income gaps and asset allocation
Financial literacy and financial literacy programmes in Australia
Starting with the United States, the US Federal Reserve Board founded Jumpstart Coalition for Persona
Cold, warm, warmer, hot! Locating financial literacy hot spots
n Associate Investigator with the Australian Research Council (ARC) Centre of Excellence in Policing and Security (CEPS). She has worked as
Financial literacy and shrouded credit card rewards
Reading economics: The role of mainstream economics in international development studies today
The impact of analyzing economic events on the learning of undergraduate economic theory
Complementary cognitive capabilities, economic decision making, and aging
Understanding health insurance literacy: A literature review
Are target date funds the easy bake option?
Hull House: An autopsy of not-for-profit financial accountability
Reducing risk behaviors linked to noncommunicable diseases in Mongolia: A randomized controlled tr
Assessment of behavioural outcomes of financial education workshops on financial behaviour of the
Cognitive decline impairs financial and health literacy among community-based older persons witho
Borrowing decisions of credit constrained consumers and the role of financial literacy
Financial education for children: The Israeli case
Predicting Bangladeshi financial salespeople's ethical intentions and behaviour using the theory of p
Investment in financial literacy and saving decisions
P30 AG12815
CIT5-CT-2005-028857"
Educating for Financial Literacy: A Case Study With a Sociocultural Lens
Backing out of private pension provision: Lessons from Germany
The digital economy: A case study of designing for classrooms
Numerical ability predicts mortgage default
Financial aspects of marketing
Personal finance as indicator of economic status the individual
Financial literacy and consumer credit portfolios
Struggling to Make Ends Meet: Using Financial Diaries to Examine Financial Literacy Among Low-Inc
A Standard Research Grant from the Social Sciences and Humanities Research Council funded the data collection phase of this
The financial literacy of social work students
City
The social work profession has begun to respond to the elevation of household economic risk and the r
The test of economic literacy: Development and results
Financial literacy among israeli college students
A review of features and outcomes of the Hong Kong Child Development Fund
Energy literacy, awareness, and conservation behavior of residential households
Voluntary savings, financial behavior, and pension finance literacy: Evidence from Chile
Using the Right Yardstick: Assessing Financial Literacy Measures by Way of Financial Well-Being
Mapping financial literacy: Cognition and the environment
Stimulating managerial capital in emerging markets: The impact of business training for young entre
We would like to thank the World Bank Group and the Ewing Marion Kauffman Foundation for financial support, and Partner M
Factors influencing investor choice of retirement funds
Knowledge and opinions about banking supervision: Evidence from a survey of Dutch households
Financial training for exonerees awaiting compensation: A case study
Measuring the financial literacy of real investors of the iran stock exchange and the relationship of fin
The level of financial literacy among the high school students in the chosen regions of the Czech Repu
The relationship between consumer characteristics and mortgage preferences: A case study from S
Financial education and investment attitudes in high schools: Evidence from a randomized experimen
n, Chiara Monticone, Mario Padula, Paul Wachtel and all participants at the XIXth Tor Vergata Financial Conference for their useful comme
Migrants' remittances and financial development: Macro- and micro-level evidence of a perverse rela
Financial reporting failures, board's competency and effectiveness
Why do Italian households prefer adjustable rate mortgages?
The determinants of life insurance demand: A focus on saving motives and financial literacy
Determinants of marital violence: Findings from a prospective study of rural women in india
The impact of financial literacy on individual saving: An exploratory study in the malaysian context
Relationships between advisor characteristics and consumer perceptions
Dollars works 2: The evolution of a financial literacy program
The road ahead: The graying of America and its implications for finance and the economy
Information needs and challenges faced by adult child financial caregivers of aging parents
The impact of wealth on financial mistakes: Evidence from credit card non-payment
Banking 101: Mobile-izing Financial Inclusion in an Emerging India
Examining Financial Literacy among Transfer and Nontransfer Students: Predicting Financial Well-Bei
Sustaining informal sector women entrepreneurs through financial literacy
Influences on the behaviour of black and minority ethnic (BME) communities towards debt and bank
Relative intragenerational economic mobility: A cross-period analysis from 1968 to 2009
Psychosocial factors and financial literacy
Teaching financial literacy across the generations
The Limits of Enhanced Disclosure in Bankruptcy Law: Anticipated and Experienced Emotion
Personal financial literacy among high school students in New Zealand, Japan and the USA
Financial Literacy: Building Economic Empowerment with Survivors of Violence
When politics trump evidence: Financial literacy education narratives following the global financial cri
Financial literacy, financial education, and economic outcomes
Study regarding financial literacy among investors
Financial literacy among retail investors in the United States
Libraries, ACRL, and financial literacy: Helping students make sound decisions
Fraud and its PREY: Conceptualising social engineering tactics and its impact on financial literacy ou
Financial literacy in retirement planning context: The case of Czech older workers
Importance of entrepreneurship and financial literacy in the socio-economic progress and personal
Tailored financial literacy education: An indigenous perspective
Economic literacy, inequality, and financial development
Determinants of employees' financial well-being: The moderation effect of work sectors
Financial literacy: Why students need librarians to get involved
Anatomy of a Scan: Digital Market Intelligence and Economic Literacy in the MBA Curriculum
Simulation game for the verification of financial and business capabilities
Financial literacy and the retail investor: Knowledge levels and information needs
Household Finance: An Emerging Field
Women and financial education: Evidence, policy responses and guidance
The financial communication in times of crisis: The case of "bad banks". [La comunicación financiera e
Laws and regulations in global financial markets
Learning context when studying financial planning in high schools: Nesting of student, teacher, and c
Retirement Plans: Planners and Nonplanners
Research life cycle: Exploring credibility of metrics and value in a new era of escholarship that suppor
Implementing technologies for financial service innovations in base of the pyramid markets
Assessment a model of financial satisfaction predictors: Examining the mediate effect of financial beh
Intergenerational financial literacy: The case for teaching sustainable financial decision making in sch
One size does not fit all: Conceptual concerns and moral imperatives surrounding gender-inclusive fin
Financial Literacy Education for Citizens: What kind of responsibility, equality and engagement
Measuring financial literacy among students: An application of rasch analysis
A case study on investors' financial literacy in Indian scenario
A game based, financial literacy oriented approach to improving programming education
Financial literacy, information flows, and caste affiliation: Empirical evidence from India
Characteristics of board of directors and financial distress: A Malaysian case
Loan performance among low-income households: Does prior parental teaching of money managem
Remittances and well-being
"It's all about security to me": The role of environment in youth financial literacy and savings behavio
Gender stereotyping in financial advisors assessment of customers
What should students know about money? Report of a pilot study of proposed research
Indian mutual fund industry: Opportunities and challenges
Role of financial education for future technocrats
Education programmes for home buyers and tenants
Exponential growth bias and financial literacy
Researching transfronterizo literacies in Texas border colonias
Attitudes toward economic globalization: Does knowledge matter?
The impact of health and financial literacy on decision making in community-based older adults
Implications of behavioural economics for financial literacy and public policy
The role of financial literacy in determining retirement plans
Efficient Markets and the law: A predictable past and an uncertain future
The effects of financial literacy on the borrowing behaviour of Turkish financial consumers
Financial literacy and the cost of borrowing
An Inquiry into the Financial Literacy and Cognitive Ability of Farmers: Evidence from Rural India
IJCS special issue on consumer issues in credit, debt and financial literacy
The Financial Knowledge Scale: An Application of Item Response Theory to the Assessment of Financia
Financial literacy education and behaviour unhinged: Combating bias and poor product design
Errare humanum est: Financial Literacy in European Consumer Credit Law
Designing a financial literacy course for a liberal arts curriculum
Teaching financial literacy: A survey of community-based educators
A financial sophistication proxy for the Survey of Consumer Finances
Shopping for a home vs. A loan: The role of cognitive resource depletion
Reference budgets for counselling on how to manage private household finance - requirements and p
Adolescents' financial literacy: The role of financial socialization agents, financial experiences, and
Raising household saving: Does financial education work?
Punching loan sharks on the nose: Effective interventions to reduce financial hardship in New Zealan
How financial literacy affects household wealth accumulation
Financial knowledge and financial literacy at the household level
Libraries and Financial Literacy: Perspectives From Emerging Markets
The largest public library in Serbia, the Belgrade City Library (BCL), started with the Strengthening
What does financial literacy training teach us?
Financial literacy and financial decision-making in older adults
Financial literacy among the educated: An exploratory study of selected university students in South
Critical Questions for the Transition to Defined Contribution Pension Systems in the Public Sector
Transitioning HIV care and treatment programs in southern Africa to full local management
Correlates of health and financial literacy in older adults without dementia
Combined structural interventions for gender equality and livelihood security: A critical review of t
The Socio-Economic Empowerment Assessment: Addressing Poverty and Economic Distress in Clients
Self-control, financial literacy and consumer over-indebtedness
Investment risk - The perspective of individual investors
Economic Well-being and Ageing: The Need for Financial Education for Social Workers
Financial Literacy, Retirement Planning and Household Wealth
Serving as an Educator: A Southern Case in Embedded Librarianship
The cost of economic literacy: How well does a literacy-Targeted principles of economics course pre
A Short-Term Intervention Improves Nutrition Attitudes in Low-Income Women Through Nutrition Educ
The effects of a translation bias on the scores for the basic economics test
What Explains the Gender Gap in Financial Literacy? The Role of Household Decision Making
Financial Competence and Expectations Formation: Evidence from Australia
Understanding Economic Abuse in the Lives of Survivors
Financial literacy and cognitive abilities: An empirical study [Financial literacy e abilità cognitive: uno
Financial literacy: A primer for librarians, educators, and researchers
The rhetoric of financial literacy
Effects of demographic characteristics, financial literacy and management on saving behavior of ma
Integrative economic education to combine citizenship education and financial literacy
Saving for retirement in eu: An analysis of its determinants [El ahorro para la jubilación en la ue: Un
Financial literacy education: Neoliberalism, the consumer and the citizen
Rational choice with complex products: Consumer valuation of annuities
Trust, plan knowledge and 401(k) savings behavior
Who responds to tax reforms evidence from the life insurance market
Plan format and participation in 401 (k) plans: The moderating role of investor knowledge
Financial well-being and post deployment adjustment among Iraq and Afghanistan war veterans
Microenterprise financing preference: Testing POH within the context of Ghana's rural financial mark
Learning from working on others' problems: Case study of an interdisciplinary project-based global s
Application for education of financial literacy
Issues of financial literacy education
Using loan plus lender literacy information to combat one-sided marketing of debt consolidation loan
Marketing complex financial products in emerging markets: Evidence from rainfall insurance in India
Family Financial Socialization: Theory and Critical Review
Consumer financial protection: Future directions
Retention of high school economics knowledge and the effect of the California state mandate
2010 SSS presidential address: The devolution of risk and the changing life course in the United State
Prices or Knowledge? What Drives Demand for Financial Services in Emerging Markets?
Financial Education With College Students: Comparing Peer-Led and Traditional Classroom Instructio
The Cost of Not Knowing the Score: Self-Estimated Credit Scores and Financial Outcomes
Towards usable mortgage information Four user studies
Piloting a savings-led microfinance intervention with women engaging in sex work in Mongolia: Furthe
Adherence of Retirement Mutual Fund Providers to the Securities and Exchange Commission (SEC)'s Ad
Money management, mental health, and psychiatric disability: A recovery-oriented model for improving
A free market capitalism or a speculative market capitalism?
Dolceta, educación online para los consumidores: Módulo de alfabetización financiera en España
Do Women Pay More for Mortgages?
Improving Financial Literacy: The Role of Nonprofit Providers
Annuities, Financial Literacy, and Information Overload
Financial Counseling, Financial Literacy, and Household Decision-Making
Fees, Framing, and Financial Literacy in the Choice of Pension Manager
How to Improve Financial Literacy: Some Successful Strategies
The Outlook for Financial Literacy
Financial Illiteracy and Stock Market Participation: Evidence from the RAND American Life Panel
Financial Literacy and 401(k) Loans
Pension Plan Distributions: The Importance of Financial Literacy
Financial Literacy and Planning: Implications for Retirement Well-being
Bringing Financial Literacy and Education to Low-and Middle-Income Countries
Financial Literacy: Implications for Retirement Security and the Financial Marketplace
Financial literacy and retirement planning in the United States
Financial literacy and retirement planning in Sweden
Assessing financial literacy in 12 countries: An OECD/INFE international pilot exercise
Financial literacy and retirement planning in Japan
Financial literacy and retirement planning: The Russian case
Financial literacy around the world: An overview
Financial literacy and pension plan participation in Italy
Financial literacy and retirement planning in New Zealand
Financial literacy and retirement planning in Germany
Charlatans on the Move: How Predatory Lenders Fleece Military Personnel
Economic literacy, Consumer Behavior, attitude Towars Debt and its relation to psychological well be
Market Structure and Challenges for Annuities in India
Financial Capability in Children: Effects of Participation in a School-Based Financial Education and Sa
Social welfare issues of financial literacy and their implications for regulation
Acknowledgments The authors thank Robert Kosowski, Hamish Low and especially Susan Thorp for many useful comments. W
Financial literacy and stock market participation
Financial literacy and retirement planning in the Netherlands
Teachers' intention to teach financial literacy in Singapore: A path analysis of an extended Theory o
Determinants of saving behavior and financial problem among employees in Malaysia
Students' production of curricular knowledge: Perspectives on empowerment in financial capability
Personal Finance Education in Recessionary Times
Financial literacy and personal financial planning in Klang Valley, Malaysia
Teaching OOP with financial literacy
Overactive, overwrought or overdrawn? the role of personality in undergraduate financial knowledg
A survey of economic understanding in U.S. high schools
Measuring consumer uncertainty about future inflation
Economic education in post-soviet Russia: The effectiveness of the training of trainers program
An Empirical Analysis of the Effect of Financial Education on Graduating Business Students' Percepti
Consumer protection and the role of advice in the market for retail financial services
So, you want to move out?! - An awareness program of the real costs of moving away from home
University students' financial literacy levels: Obstacles and Aids
Financial literacy and retirement preparation in the Netherlands
Financial literacy and retirement: International experience and suggestions for Croatia [Financijska
An applied case study analysis of potential societal importance of financial literacy education for A
Determinants of short-term investment decision-making
Materialism, transformation expectations, and spending: Implications for credit use
College-based personal finance education: Student interest in three delivery methods
Teaching Mathematical Connections to Financial Literacy in Grades K-8: Clarifying the Issues
Outcomes of on-line financial education for chronically Ill rural women
In search of technological pedagogical content knowledge: Teachers' initial foray into podcasting in
The next generation of entrepreneurs: A reflection of a college outreach business program for high s
School of study and financial literacy
Comparative analysis of the levels of financial literacy among students in the U.S., Belarus, and Japan
Financial literacy and the design of retirement plans
Successful integration of a university service-learning class into a community coalition
"Because my parents say so" - Children's monetary decision making
The role and relevance of domain knowledge, perceptions of planning importance, and risk tolerance
Learning to work for the future
Economic literacy: An international comparison
Cognitive function, financial literacy and financial outcomes at older ages: Introduction
What are the driving forces of individuals' retirement savings?
Student perceptions of financial literacy: Relevance to practice
Response to "The Subprime Crisis and African Americans" by Sandra Phillips
Financial literacy of young adults: The importance of parental socialization
Employer-Provided Retirement Planning Programs
The present state of economic education in Japan
Sports
Reorienting Retirement Risk Management
Impact of the Pension Protection Act on Financial Advice: What Works and What Remains to Be Don
Are low-income canadians financially literate? placing financial literacy in the context of personal and
Pension reforms in Germany: Have they changed savings behaviour
Personal financial planning attitudes: A preliminary study of graduate students
Understanding financial information used to assess small firm performance: An Australian qualitative
Measuring Financial Literacy
Financial Literacy 501
Financial literacy and education: An environmental scan
How much does wealth matter in the acquisition of financial literacy?
Financial literacy and education: An environmental scan
g to find hundreds of organizations now involved in financial education and financial literacy activities. The United States established a Fed
Financial literacy among the young
Childhood consumer experience and the financial literacy of college students in Malaysia
Financial literacy explicated: The case for a clearer definition in an increasingly complex economy
Teaching financial literacy in a co-curricular service-learning model
Expectations of inflation: The role of demographic variables, expectation formation, and financial lite
Understanding generational differences in financial literacy in Hmong immigrant families
What do teens want to know about money - A comparison of 1998 and 2008
Are consumers vulnerable to low knowledge of long-term care?
Financial literacy and silver rights
Financial literacy and portfolio diversification
Promoting access to finance by empowering consumers -Financial literacy in developing countries
House price Keynesianism and the contradictions of the modern investor subject
Improving the fiscal fitness of young adults: Translating knowledge into action
Why does the law of one price fail? An experiment on index mutual funds
Credit Card Ownership Among American High School Seniors: 1997-2008
Financial literacy and youth entrepreneurship in South Africa
A community initiative to support family financial well-being
Rethinking financial literacy in the aftermath of the global financial crisis
Taking ownership of the future: The national strategy for financial literacy
Financial literacy and education commission: Progress made in fostering partnerships, but national str
Boosting financial literacy: Benefits from learning study
In the UK, aspects of personal finance have been incorporated as a statutory part of the National Curr
National financial literacy strategy
Online investment education: Listening to learners to develop an effective financial literacy program
Educational leadership and globalization: Literacy for a glocal perspective
'To heap distress upon distress?' Comparative reflections on interest-rate ceilings
New labour and pensions reform: Security in retirement?
Reengineering the engineering education: The need for management and accounting courses
Yes, the poor can be taught to save-evidence from a survey of IDA program participants
Examining evidence of financial and credit exclusion in Canada from 1999 to 2005
Some of the research for this paper was supported by a grant from the Social Sciences and Humanities Research Council, SSHR
Pre-paid literacy: Negotiating the cost of adolescent mobile technology use
Financial credit: Social work's role in empowering low-Income families
and Extension Service

A study of high school economic literacy in Orange County, California
Financial literacy and investment decisions of UAE investors
Putting school commercialism in context: A global history of Junior Achievement Worldwide
Furthermore, while in the USA, Junior Achievement is almost entirely supported by private sector funding, this is not the case
The usage and understanding of Australian household mortgages
Teaching employees money management skills and showing a profit in the process: Lessons from a fin
How to strengthen the credibility of the Italian pension reform
Gender Differences in Student Financial Market Attitudes and Awareness: An Exploratory Study
Understanding the Mathematics of Personal Finance: An Introduction to Financial Literacy
Gender, Risk, and Occupational Pensions
The Role of Proximity in Secondary Equity Markets
Understanding what drives the purchase decision in pension and investment products
Audit committee characteristics in financially distressed and non-distressed companies
Financialisation, financial literacy and asset-based welfare
Integrating blended teaching and learning to enhance graduate attributes
Fact based economic education
The misperception of inflation by Irish consumers
'Get some secured credit cards homey': Hip hop discourse, financial literacy and the design of digita
HSBC brings a business model of banking to the doorsteps of the poor
The determinants of household risky asset holdings: Australian evidence on background risk and othe
Measuring the financial sophistication of households
Cognitive drivers of suboptimal financial decisions: Implications for financial literacy campaigns
Financial literacy and superannuation awareness of indigenous australians: Pilot study results
Financial literacy and education research priorities
Economic literacy, attitudes and opinions of adults
The impact of financial literacy education on subsequent financial behavior
Benefits literacy, Bugs Bunny and bridge.
U.S. mortgage crisis: Subprime or systemic?
2009 outstanding AFCPESPI® conference paper teachers' background and capacity to teach personal fi
The effectiveness of youth financial education: A review of the literature
An elective course in personal finance for health care professionals
Expanding teaching and learning horizons in economic education
Management Accounting, Economic Reasoning and the New Public Management Reforms
Analysing financial literacy determinants with computational intelligence models
Financial literacy: Getting it right on the money
A methodological issue in the measurement of financial literacy
Financial literacy of high school students
Factors affecting economic literacy of college students: Some additional evidence
Financial education and program evaluation
Owning a home: New opportunities and challenges for low-income women
Application of support vector machines in financial literacy modelling
Riding out the storm: Graduates, enterprise and careers in turbulent economic times
Against financial-literacy education
The scope of financial literacy education: A poverty alleviation tool in social work?
Saving for retirement - A case for financial education in Germany and UK? An economic perspective
Reaching the girls left behind
The analyses presented and programmes described here are part of the Population Council’s Adolescent Girl’s Program (Part o
Financial literacy, public policy, and consumers' self-protection - More questions, fewer answers
Consumer financial literacy and the impact of online banking on the financial behavior of lower-inc
eXtension financial security for all: A community of practice to increase financial literacy
The factors influencing saving in a matched savings program: Goals, knowledge of payment instrume
Knowledge and perceptions of superannuation in Australia
Planning and financial literacy: How do women fare?
Economic literacy and the war on poverty: A social work challenge?
Characterizing new labour: The case of the Child Trust Fund
Valuing the implementation of financial literacy education
Defined Contribution Plans Emerging in the Public Sector: The Manifestation of Defined Contributions
Composition of supervisory committees in Trinidad and Tobago credit unions
Consumer credit literacy: What price perception?
Chronic consumer debtors: The need for specific intervention
Development of the test of economic literacy for adults, version of 25 items (TAE-A-25) [Desarrollo d
Why inexperienced investors do not learn: They do not know their past portfolio performance
Budget, state and people. Budget process, civil society and transparency in Angola
Enterprising education in Scotland: Is education for work enough?
The democratization of finance? Promises, outcomes and conditions
From financial literacy to financial capability among youth
Redefining retirement: How will boomers fare?
Economic education for battered women: An evaluation of outcomes
Improving the retirement prospects of lower-wage workers in a defined-contribution world
Financial management education: Its role in changing behavior
The impact of personal finance education delivered in high school and college courses
Empowerment of whom and for what? Financial literacy education and the new regulation of consume
Levels of financial capability in the UK
A financial literacy simulation model using neural networks: Case study
Audit committee financial literacy: A work in progress
Financial literacy and retirement preparedness: Evidence and implications for financial education
MRRC
Annamaria Lusardi is a professor of economics at Dartmouth College. She has published in leading eco
Financial education and community economic development
Baby Boomer retirement security: The roles of planning, financial literacy, and housing wealth
2007 Outstanding AFCPE conference paper: Assessing the use and usefulness of current financial resou
Understanding the financial score
Economic education in the school: Toward a proposal of intervention [Educación económica en la esc
A new framework for engineering economics
The U.S.-Guatemala remittance corridor: Understanding better the drivers of remittances intermedia
Globalisation, economic literacy and native economic development
Performance on tests of economic literacy: A comparison of face-to-face with online instruction
Teaching college economics in the high schools: The role of concurrent enrollment programs
You owe it to yourself: The financially literate manager
Personality factors, money attitudes, financial knowledge, and credit-card debt in college students
Dutch households' perceptions of economic growth and inflation
Financial literacy--no nurse left behind.
Closing the gap between knowledge and behavior: Turning Education into Action: A symposium spons
Pre-college economic education: Aim, usefulness and content
Building relationship with customers by using technological solutions in commercial banks of Latvia
Twenty-first century learning after school: the case of Junior Achievement Worldwide.
Employment barriers for persons with psychiatric disabilities: Update of a report for the president's
Why American business demands twenty-first century skills: an industry perspective.
Individual development accounts: Participants' characteristics and success
Sustainable consumption American style: Nutrition education, active living and financial literacy
Do the math
The financial expertise of CFOs and accounting restatements
Debtor education, financial literacy, and pending bankruptcy legislation
Assessing shared understanding of economic exchange among children and adults
Assessing the reliability and validity of the JumpStart survey of financial literacy
Minding the money: A growing responsibility for informal carers
Improving the financial literacy and practices of youths
Using a financial education curriculum for teens
Teaching Economic Literacy: Why, What and How
Improving financial literacy: Analysis of issues and policies
Financial literacy teacher training: A multiple-measure evaluation
Financial literacy tools for young people with disabilities.
Closing the gap between knowledge and behavior: Turning education into action: A symposium spons
Building the case for financial education
Understanding the impact of employer-provided financial education on workplace satisfaction
Time price differentials in the rent-to-own industry: Implications for empowering vulnerable consum
Informed choice: Consumer preferences for information on pensions
The Dutch wives' good husbandry: Defoe's Roxana and financial literacy
Financial education and private pensions
Engineers and the cash flow puzzle
Developing financial literacy in budding entrepreneurs
Dignity, financial literacy, and food, glorious food! The legacy of Kathy Goldman
An exploratory framework of the determinants of financial satisfaction
The essentials of good governance. Financial literacy, organizational skills and access to the right data
Non-executive directors and the changing nature of audit committees: Evidence from UK audit comm
Assessments of the expert evidence of accountants
Electronic banking for the poor - Panacea, potential and pitfalls
On the Dimensionality of the Cognitive Test Used in the IEA Civic Education Study: Analyses and Impli
Consumer education and information rights in financial services
Monitoring the success of policy initiatives to increase consumer understanding of financial services
Financial literacy: A tool for economic progress
Discussion of evaluating financial reporting quality: The effects of financial expertise vs. financial lite
Evaluating financial reporting quality: The effects of financial expertise vs. financial literacy
Economic literacy among corporate employees
Adult preferences for the delivery of personal finance information
A survey of investment literacy among online investors
Does mutual fund disclosure at banks matter? Evidence from a survey of investors
State curriculum mandates and student knowledge of personal finance
Impact of ABET 2000 on teaching engineering economics: What subjects define economic literacy for
Understanding the benefits/wages connection: financial literacy for citizenship in a risk society
Guidelines for pre-college economics education: A critique
Financial planning curriculum for teens: Impact evaluation
Economic literacy and the intention to attend college
Reading financial services: texts, consumers, and financial literacy
Enhancing economic literacy of classroom teachers
Six case studies of information technology-assisted teaching and learning in higher education in Engl
Pesticide use and regulation: Making economic sense out of an externality and regulation nightmare
Level of economic understanding for senior high school students in ohio
The False Alarms and Blaring Sirens of Financial Literacy: Middle-Agers' Knowledge of Retirement I
Investor self-selection: Evidence from a mutual fund survey
Health care managers' financial skills: Measurement, analysis and implications
Using student tutors to deliver financial literacy
A report on the economic literacy of adults
‘A Special Place in Contemporary Economic Literature’:1the Rise and Fall of the British Bank Review
Economic text and acquisition of economic literacy: There is a cognitive remedy
Directing strategically financial management education and training
A qualitative response model of student performance on a standardized test
Economic literacy: A marketable product for land grant universities
Economic literacy in the United Kingdom and the United States: A comparative study
Teachers’ unions and student achievement in high school economics
Joint determination of current classroom performance and additional economics classes: A binary/c
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ry of Education (China) Humanity and Social Science Project [Grant No. 19YJA790067] and Collaborative Innovation Center of Industrial Up
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t is solely the responsibility of the authors and does not necessarily represent the official views of NCI or the National Institutes of Health.
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Sri Lanka has had a free education system from kindergarten to undergraduate education since 1945. Tertiary education is dom
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Joshua Mitton, Francisco Fuentes, Michael Rodriguez, and Esteban Fernandez provided research assistance. The authors acknowledge We
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merican Life Panel for their assistance with fielding this study. They gratefully acknowledge financial support provided by the TIAA Institute
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40) and is conducted by the University of Michigan (Health and Retirement Study 2010). Many of my variables come from the RAND HRS D
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ogical Research Council of Turkey, TUBITAK (Project No. 113K767).

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This work was supported by the Ministerio de Economia, Industria y Competitividad [ECO2017-83759-P] and the Saving Banks
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M.J. MancebD? annd D. P. Ximénez-de-EmbD? wnish to thank the financial support from INEE (Instituto Nacional de EvaluaciD
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No. 71673315 and No. 71703182, the Young Teachers’ Development Fund for Central University of Finance & Economics under Grant No. Q
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eeting in New Orleans, Louisiana, June 26, 2017; the Annual Meeting of the Society of General Internal Medicine in Denver, Colorado, Apr
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e Centre, Poland, grant no. 2017/01/X/HS4/00634.

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mme ‘Financial Literacy @ School’ (grant number S000617N ).

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s School of Medicine, St. Louis, Mo. Received for publication August 22, 2018; accepted September 14, 2018. “Research reported in this p
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2018hhf-47
7], Youth Fund Project of Humanities and social sciences of the Ministry of Education in China (18YJC790204), Social Science Key Project o
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ment Agency under [grant number APVV-16-0321]. Zuzana Broke?ov? acknowledges the financial support from the Ministry of Education,
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En el caso del Estado español, lejos de ofrecer una respuesta satisfactoria, desde la óptica de la OC
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The low level of financial literacy among Americans is not a recent development (Anthes, 2004). Anthe
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ción de las Cajas de Ahorros –FUNCAS-) and the Spanish Ministry for Economy and Competitiveness for supporting this research through g
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ets Authority (FSMA)?Belgium). We are grateful to the national authorities in Belgium, Canada, Croatia, Estonia, Hong Kong, Jordan, Latvia
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a cultural heritage of Indonesia on October 2, 2009, by the United Nations Educational, Scientific, and Cultural Organization (UNESCO) and
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ir helpful comments. We would very much like to acknowledge the generous support of the IFS School of Finance for funding this research
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CSREES"
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Using CSU financial aid data and college scholarship award information, the median loan amount for all graduating students w
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eplacement rates in the pension system of the Netherlands: how and why do they differ?”, Journal of Pension Economics and Finance, Vol
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to contact the participants and proofreading the survey. For insightful comments and suggestions, we thank Vanessa Naegels. The author
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pl); Andrzej Cwynar, University of Economics and Innovation (WSEI), Lublin, Poland (andrzej.cwynar@wsei.lublin.pl); Wiktor Cwynar, Unive
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University Malaysia (IIUM) (grant number: RIGS15-059-0059). We would like to thank IIUM for the fund provided to embark on this resea
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m the Marie Curie Actions of the European Commission, Research Executive Agency (FP7 ‐PEOPLE‐2012‐IIF #330462, Loibl), generous fundi
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Fig. 1 Expert evaluations and average value of the level of financial awareness and, in particular, tax awareness in modern Rus
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15KK0083], and RISTEX, JST.

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U01 AG09740-13S2
2 This paper uses data from SHARE wave 4 release 1.1.1, as of March 28th 2013 (https://doi.org/10.6103/SHARE.w4.111), and
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We would like to thank the Cambodia Microfinance Association for their valuable support and the p
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nferences, in particular, Christian Ambrosius, Thorsten Beck, Heidi Kaila, Stephan Klasen, Bruno Martorano, Matthias Rieger, Tobias Rossm
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y under the Fundamental Research Grant Scheme (FRGS), S/O code 13585, and Research and Innovation Management Centre, Universiti U
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SING program at the Population Council in New York. The staff at the Population Council in Ghana conducted the financial literacy training
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r, Jere R. Behrman for valuable suggestions, and Chiara Monticone and Angela Romagnoli for assistance with the data. The author is also g
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South Africa and UNICEF Innocenti Office of Research , John Fell Fund , Leverhulme Trust (grant number: PLP-2014-095 ), and the Universit
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p, and/or publication of this article: The author acknowledges and thanks financial support of the European Research Council under the E
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Research of the National Institutes of Health under award number 5R01NR011182-06.

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Training in education, literacies and skills at over 100 rural villages in 21 states of India, with the goal of making them self-relia
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fur Socialpolitik (Hamburg, 2014) for helpful comments. We have profited from discussions with Rob Alessie, Elsa Fornero, Annamaria Lus
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her no. 842358) and by the WU AssistentInnen Kleinprojekte .

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tine Kaufmann, Stephan Klasen, Sandra Ludwig, Olivia Mitchell, Martin Weber and two anonymous referees for helpful comments. Specia
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We also greatly appreciate and acknowledge the valuable support provided by the Ministry of Science and Technology of Taiw
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dings of several draft versions of this article. A version of this paper was presented in a departmental seminar at the Department of Science
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he contribution of the participants in the TIBER XI Conference, Florence Workshop on Behavioral and Experimental Economics, Experimen
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Foundation. M.L. acknowledges the Research Chairs Initiative of the Department of Science and Technology and the National Research Fo
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DP140101031
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and two anonymous referees. We also would like to thank the participants of the 'Impacting financial regulation: civil society in the govern
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waharlal Nehru University , New Delhi 110067 , India (e-mail: barua.bhowmik@gmail.com ) Singapore Management University , 50, Stamfo
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Reinhold Schnabel, and numerous seminar participants for helpful discussions and suggestions. The editor Michael Haliassos and the refe
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the USA and was also part-funded by the Nuffield Foundation (OPD/42197), but the views expressed are those of the authors and not nec
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of Public Health, BRAC University, grant number GR-01315.

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The authors acknowledge funding support from the National Natural Science Foundation of China (71232003 and 71573147) a
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the Korean Government (NRF-2013S1A5A2A0304 4 461).

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achers, students, and staff. We would like to especially acknowledge the support of the Ministry of Education in Rwanda ( MINEDUC ), the
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back and suggestions. We are furthermore grateful for discussions with Yvonne Adema, Marieke Bos, Hans Brits, Jakob de Haan, David-Jan
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2877), Intuit Foundation, Research Manitoba and the St Michael’s Hospital Foundation. None of the funders played any role in the design
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Citation: Bahovec, V., Barbić, D., Palić, I. (2017), “The Regression Analysis of Individual Financi
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he Social Security Research Center (SSRC) (UM.E/SSRC/628/3/2) of University of Malaya, for guidance and support.
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as part of the Retirement Research Consortium (RRC). Additional support from the U.S. Department of Labor, the FINRA Investor Educatio
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a Ramsden from the University of St. Gallen for providing the data on the cantonal premium subsidy thresholds. For helpful discussions and
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This project was supported by the University of Kentucky Center for Poverty Research through funding by the US Department
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ossibilityofdefectivegoods. and the demand for financial services: evidence from India and Indonesia: Harvard Business School (2009). Inija
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s at the Cherry Blossom Financial Education Spring Institute 2015 (George Washington School of Business), SKEMA Business School (Lille), t
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drew D. Pinto is supported by the Department of Family and Community Medicine, Faculty of Medicine, University of Toronto; the Departm
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enth Framework Programme (FP7/2007?2013) under grant agreement number 266800.

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gramme 7 [contract number 266800].

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m Nikos Georgantzis, William Forbes, Gulnur Muradoglu, Werner De Bondt and participants at BFWG semiannual conference are gratefully
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apability-and-wellbeing.pdf> accessed 18 March 2016. 36 ibid. 37 ibid. 38 The concerned countries are: USA, Great Britain, Canada, France
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The authors acknowledge funding support from the National Natural Science Foundation of China (71232003 and 71573147),
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This research is partially supported by the Ministry of Science and Technology, Taiwan, R.O.C. under Grant no. MOST 105?262
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under the Fundamental Research Grant Scheme (FRGS), and Universiti Teknologi MARA (UiTM) especially Institute of Business Excellence
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alaya under the Equitable Society Research Cluster (ESRC) research grant RP015D-13SBS.
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use (K01 DA038529, JAW) and a Ministry of Education, University Malaya High Impact Research Grant (E-000001-20001, AK).
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Research of the National Institutes of Health under Award Number 2R01NR011182 - 03 . The content is solely the responsibility of the auth
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esh and Afghanistan researching the intersection of agricultural development and gender. Dr. Kantor’s life was tragically lost in a terrorist
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ment (CNPq) for financial support.

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Investment", funded under the Fundamental Research Grant Scheme (FRGS), Ministry of Higher Education (MOHE) of Malaysia. The finan
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Moreover, the Economic and Financial Education (EFE) program implemented in several countries such as the United States, A
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it Antonides, Alessandro Bucciol, Sebastian Braun, Martin Brown, Clemens Fuest, Olaf Hübler, Stephan Klasen, Sandra Ludwig, Olivia Mitch
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e Australian Research Council (ARC) project “The paradox of choice: Unravelling complex superannuation decisions” (Bateman et al. [2015
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hip, and/or publication of this article: This research was supported by National Institute on Aging Grants R01AG17917 (DAB), R01AG33678
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chnological Development (CNPq - grant number 552132/2011-0 ).

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Money Smart Week program was developed by the Federal Reserve Bank of Chicago in 2001 (C. A. Smith & Eschenfelder, 2013, p. 303). In
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t of Psychology at the University of Memphis by the state of Tennessee.

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thank Joyce Serido for her help in collecting data.

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this project. The research reported herein was performed pursuant to a grant from the U.S. Social Security Administration (SSA) funded a
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am. The opinions and conclusions expressed herein are solely those of the authors and should not be construed as representing the opinio
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ealth , and the Marsha K. Dowd Philanthropic Fund . The authors gratefully acknowledge the assistance of Dr. Randy Buckner, Dr. Gary Glo
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heir financial support ( edict 06/2011 ).

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tion which receives funds for its “AERA Grants Program” from the National Science Foundation and the National Center for Education Stati
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ssing “multiple aspects of behavior” rather than just skills and knowledge, but continues to focus on individuals rather than social context
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With assistance from Charlotte Otabor (graduate student, Department of Economics, Howard University). Thanks to generous
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In the United Kingdom, as early as 2003 the Financial Services Authority called a summit of industr
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d Security (CEPS). She has worked as a practitioner and researcher across a number of police agencies. Her research interests include whit
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OGHA 04-064
We use data from SHARELIFE release 1, dated November 24th 2010 and SHARE release 2.3.1, dated Jul
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nded the data collection phase of this project. A Faculty Research Grant from the Canadian Mennonite University funded research assistan
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The seminal definition attributed to Noctor, Stoney, and Stradling (1992) by Marcolin and Abraham (2006) and Coben, Dawes,
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on for financial support, and Partner Microcredit Foundation, in particular Selma Cilimkovic and Selma Jahic, for sharing their data with us
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al Conference for their useful comments and suggestions. Managerial support from Marco Bracaglia and the Osservatorio sul Credito, insti
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1. Examples of such organizations include Consumer Financial Education Body (CFEB), United Kingdom; Financial Literacy and E
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Thorp for many useful comments. Williams acknowledges support from the Economic and Social Research Council (award number PTA-03
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Science and Technology"

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s. The United States established a Federal Commission addressing the issue and members of Congress have submitted related bills. Many s
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Acknowledgments The study described in this paper was supported by funding from the Hong Kong Research Grants Council.
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d Humanities Research Council, SSHRC.

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CSREES"
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e sector funding, this is not the case overseas. The organization has received millions of dollars of start-up and operational grant funding a
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cil’s Adolescent Girl’s Program (Part of the Transitions to Adulthood portfolio). This work received leadership support from the UK Departm
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A review of the literature manifests clearly that many Americans face the problem of inadequate financ
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nducted the financial literacy training. Neither funder was involved in the study design, data collection, or analysis of data. The funders we
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nce with the data. The author is also grateful for useful comments from seminar participants at the 2018 Cherry Blossom Financial Educatio
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ith the goal of making them self-reliant, is supported by Mata Amritanandamayi Math, an NGO with consultative status at UN-ECOSOC an
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eferees for helpful comments. Special thanks to Roy Kouwenberg and Lukas Menkhoff for their advice and to Atcha Kamolsareeratana for h
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ry of Science and Technology of Taiwan (MOST 105-2629-H-110-001 ) and the Financial Supervisory Commission of Executive Yuan in Taiw
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hresholds. For helpful discussions and valuable comments, we would like to thank Daniel Burkhard, Michael Gerfin, Thomas G. McGuire, M
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Harvard Business School (2009). Inijaracontract,obligationsoflesseeofgoodsorservicesisto 2. F. Raven, Financial Literacy: A Basic Skill for So
ness), SKEMA Business School (Lille), the EEA Annual Conference 2016 (Geneva), the FMA Annual Conference 2016 (Las Vegas) and the 1st
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This research was supported by NIH [grants R01AG33678, R01AG34374, R01AG17917] and the Illinois Department of Public H
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countries such as the United States, Australia, Brazil, Slovenia, Spain, Ghana, Holland, India, Ireland, Japan, Malaysia, New Zealand, Portuga
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tion decisions” (Bateman et al. [2015]). The survey was conducted using a representative sample of 1,200 Australians aged 18–65 who hel
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mith & Eschenfelder, 2013, p. 303). In 2003, Congress established the Financial Literacy and Education Commission, and in 2006 they publi
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ecurity Administration (SSA) funded as part of the Financial Literacy Center. The authors also acknowledge additional support provided by
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ce of Dr. Randy Buckner, Dr. Gary Glover, and Dr. Jeffrey Rosengarten with this project. We thank Niranjini Rajendran, MS, and Woojeong
Social Security and Pension Reform: International Perspectives
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ndividuals rather than social context (FINRA 2009, 4).

Canadian Geriatrics Journal
ward University). Thanks to generous support from Howard’s Center on Race and Wealth (Ford Foundation grant), and also faculty researc
Adult Education Quarterly
Library Quarterly
Economics Letters
Business Economics
Social Policy and Society
Critical Perspectives on Accounting
Finance a Uver - Czech Journal of Economics and Finance
The Commonwealth government is a major programme funder of financial literacy programmes in Australia. This accords well
s. Her research interests include white collar crime (particularly, financial fraud); recruitment, retention, leadership and performance man
Canadian Journal of Development Studies
Psychology and Aging
American Journal of Public Health
Psychology and Aging
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U01 AG09740-13S2
Willis, R.J., 2009. Disentangling cognitive function and financial literacy: implications for financial retirement security research.
Empirica
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Financial Aspects of Marketing
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e University funded research assistance to complete the analysis.
Abraham (2006) and Coben, Dawes, and Lee (2005) defines financial literacy as “the ability to make informed judgements [sic] and to tak
Journal of College Student Development
China Journal of Social Work
Energy Economics
Geografiska Annaler, Series B: Human Geography
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a Jahic, for sharing their data with us and for their outstanding collaboration and support throughout the project. We are also grateful to F
Journal of Financial Stability
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and the Osservatorio sul Credito, institutional support from the Ministry of Education and financial support from Unicredit, Fondazione Car
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Business Economics
Journal of Financial Stability
Bell Labs Technical Journal
Libri
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A Debtor World: Interdisciplinary Perspectives on Debt
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Annual Review of Economics
Financial Literacy and the Retail Investor: Knowledge Levels and Information Needs
Aging in European Societies: Healthy Aging in Europe
Sociologia (Slovakia)
Economics Letters
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Women and Financial Education: Evidence, Policy Responses and Guidance
Ilu
Laws and Regulations in Global Financial Markets
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Gerontology
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Economic Inquiry
Annual Review of Financial Economics
Oxford Development Studies
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Health Promotion Journal of Australia
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ited Kingdom; Financial Literacy and Education Commission (FLEC), United States; Financial Literacy Foundation, Australia; Making Finance
Generations
Thunderbird International Business Review
American Review of Public Administration
AIDS
BMC Geriatrics
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Clinical Social Work Journal
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Economic Journal
Journal of Hunger and Environmental Nutrition
Economic Record
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Giornale Italiano di Psicologia
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Asia Life Sciences
Revista de Economia Mundial
Financial Literacy Education: Neoliberalism, the Consumer and the Citizen
Military Medicine
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Social Forces
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Open Women's Health Journal
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Profesional de la Informacion
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Magallania
Securing Lifelong Retirement Income: Global Annuity Markets and Policy
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earch Council (award number PTA-031-2004-00054). Satchell acknowledges support under Australian Research Council Discovery Project
Asia-Pacific Education Researcher
Australian Journal of Basic and Applied Sciences
Education, Citizenship and Social Justice
International Journal of Economics and Management
IEEE Transactions on Education
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Quick Hits for Service-Learning: Successful Strategies by Award-Winning Teachers
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Economic Journal
Economic Journal
Finance a Uver - Czech Journal of Economics and Finance
Family Relations
Note. ∗Faculties in bold items have departments for economics majors. ∗∗The percentage of student
Pensions
Qualitative Research in Accounting & Management
International Information and Library Review
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s have submitted related bills. Many states have passed initiatives, and the Federal government has grant programs in place to mobilize co
OECD Observer
Quantitative Finance
Educational Research and Reviews
Housing Studies
Journal of the Australian and New Zealand Student Services Association
African Journal of Economic and Management Studies
Community, Work and Family
Griffith Law Review
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Hong Kong Research Grants Council.

Educational Policy
University of Toronto Law Journal
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2009 International Conference on Engineering Education, ICEED2009 - Embracing New Challenges in Engineering Education
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English in Australia
Financial education, or the process of increasing understanding of financial products, services, and concepts, is designed to inc
Eastern Economic Journal
Journal of Risk Finance
Journal of Education Policy
rt-up and operational grant funding and institutional support from the US government, through the US State Department, USAID, and the
Social Work
Understanding the Mathematics of Personal Finance: An Introduction to Financial Literacy
Managing Financial Risks: From Global to Local
Managing Financial Risks: From Global to Local
Managerial Auditing Journal
British Journal of Politics and International Relations
Journal of Economic Issues
Economic and Social Review
E-Learning
Global Business and Organizational Excellence
Australian Journal of Social Issues
Expanding Teaching and Learning Horizons in Economic Education
Benefits quarterly
The Banking Crisis Handbook
American Journal of Pharmaceutical Education
Expanding Teaching and Learning Horizons in Economic Education
Handbooks of Management Accounting Research
2008 International Conference on Innovations in Information Technology, IIT 2008
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Handbook of Consumer Finance Research
Journal of Poverty
Proceedings - EMS 2008, European Modelling Symposium, 2nd UKSim European Symposium on Computer Modelling and Simu
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Social Work
Gender and Development
dership support from the UK Department for International Development (DFID), The Dickler Family Foundation, EMpower (The Emerging M
International Journal of Social Welfare
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Interamerican Journal of Psychology
CMI - Chr. Michelsen Institute
Journal of Educational Enquiry
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Redefining Retirement: How Will Boomers Fare?
Families in Society
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Innovations'07: 4th International Conference on Innovations in Information Technology, IIT
Journal of Accounting, Auditing and Finance
Business Economics
nistration (SSA) funded by the Michigan Retirement Research Center (MRRC) and the Pension Research Council at The Wharton School. We
Financing Low-Income Communities: Models, Obstacles, and Future Directions
Journal of Monetary Economics
Synthesis Lectures on Technology, Management and Entrepreneurship
Estudios Pedagogicos
27th Annual National Conference of the American Society for Engineering Management 2006 - Managing Change: Managing P
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First Monday
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Economist
The American nurse.
European Journal of Social Sciences
Baltic Journal of Management
New directions for youth development
Psychiatric Services
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Journal of Urban Affairs
International Journal of Sustainable Development and World Ecology
Presstime
Accounting Horizons
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Ageing and Society
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Improving Financial Literacy: Analysis of Issues and Policies
NCSL legisbrief
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Australian Accounting Review
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Futurist
Accounting Review
Accounting Review
Quarterly Review of Economics and Finance
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Mentoring & Tutoring: Partnership in Learning
Financial History Review
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American Journal of Agricultural Economics
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ton School at the University of Pennsylvania. This research was also supported by the U.S. Social Security Administration through grant nu
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number VEGA 1/0466/19]. We would like to thank the participants of the National Bank of Slovakia research seminar in Bratislava (2017),
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.cwynar@wsei.lublin.pl). Kamil Filipek thanks the National Science Centre (NCN, Poland) for support through Grant no. 2014/12/S/HS6/00
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and 1602-KEA-189 ). JIS was funded by an ESRC doctoral studentship ( ES/J500112/1 ) and FM was supported by the ESRC under a Future
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consultative status at UN-ECOSOC and Amrita Vishwa Vidyapeetham. The digital literacy education project to train and certify 1,000 indige
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onference ‘Sozio*ökonomische Bildung und Wissenschaft’ in Tutzing for insightful comments and suggestions. This article benefited from a
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reb, majoring in Finance. During the study, she has been awarded Dean’s Award four times for great success and results achieved. Also, sh
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er at the Wharton School is gratefully acknowledged. Useful comments and data suggestions were provided by Sandy Chien, Je® Dominitz
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ference 2016 (Las Vegas) and the 1st Conference on Behavioral Economics and Financial Literacy (Barcelona) for helpful comments and dis
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and the Li Ka Shing Knowledge Institute, St. Michael’s Hospital.
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thank Philip Jaggs for editorial assistance.

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ducation (20120002110085) and China Postdoctoral Science Foundation (2015M570066). The authors would also like to thank Hong Zhang
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nformed judgements [sic] and to take effective decisions regarding the use and management of money” (Marcolin & Abraham, 2006, p. 2
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the project. We are also grateful to Fenella Carpena, Sabina Djonlagic, Adnan Mesic, and Christian Salas Pauliac for providing excellent res
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rant programs in place to mobilize communities across the nation. Financial literacy and education continues to be an area for serious scho
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vices, and concepts, is designed to increase financial literacy, which is the ability to use knowledge and skills to manage financial resources
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h Council at The Wharton School. We thank Chetan Mehta and Kate Flaim for outstanding research assistance, but opinions and errors are
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First, the result was consistent with the literature findings about educators’ deficiency in financial literacy (BenDavid-Hadar, 20
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s, we thank Hans Knapen, Els Lagrou, Vanessa Naegels, Dani?le Vander Espt and conference participants at the Equity in Education Worksh
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d by SMEs, contributes significantly to Indonesian foreign exchange reserves. Batik exports in 2015 accounted for USD 156 million. Data fro
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y of Maryland. Jennifer Abel and Suzanne Bartholomae provided leadership for the national project between USDA NIFA and Cooperative
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dance ([COA]; e.g., room, board, books, supplies, tuition, fees) and of the adjusted COA (COA minus scholarship and grant awards) (Figure 4
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of Public Economics, Vol. 90(12), 2006, pp. 2187–2212. [3] T. Mattson, Estonia needs long-term plan to guarantee sustainability of pension
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through Grant no. 2014/12/S/HS6/00390. Andrzej Cwynar and Wiktor Cwynar thank the Ministry of Science and Higher Education for supp
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omics” (2018), World Bank Group, Pricewaterhouse Coopers (2018), Analytical Center National Agency for Financial Studies (2018), All-Rus
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mmission through the 5th Framework Programme (Project QLK6-CT-2001-00360 in the thematic programme Quality of Life), through the
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sion and the School of Arts and Sciences at the University of Pennsylvania is gratefully acknowledged.
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maintainingthe Network. Retrieved 18 October, 2005, from http://www.digitaldividenetwork integrity of goods as well as use them as the c
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2010, p. 107). By 2007, the National Council for Economic Education reported that 40 states in the United States had personal finance stan
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School of Management . The authors thank the Editor, three anonymous referees, John Beshears, Jeff Brown, Wandi Bruine de Bruin, Kath
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also thank the Rush Memory and Aging Project staff and participants. Appendix Financial literacy assessment (note question 9 counts as 4
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ey” (Marcolin & Abraham, 2006, p. 2). This definition has been frequently repeated in government funded research in Australia (Financial
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as Pauliac for providing excellent research assistance, to Michel Botzung for sharing information on IFC’s Business EdgeTM programme, an
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racy, Canada; and the International Gateway for Financial Education, established by the Organisation for Economic Co-operation and Deve
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As far as assessment of the learning outcomes of Japanese elementary and secondary students is concerned, MEXT conducts a
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ntinues to be an area for serious scholarly work as well. In 2003, Congress established the Financial Literacy and Education Commission—a
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d skills to manage financial resources effectively (Vitt, et al., 2003). The number of sponsors and providers of financial education for low-in
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ntries and throughout the Middle East (USAID 2005a, 2005b, 2005c, 2005d). It signed a Memorandum of Understanding with the US Peace
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Foundation, Nike Foundation, United Nations Foundation, and the United Nations Population Fund (UNPFA). The authors would also like t
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ssistance, but opinions and errors are solely those of the authors and not of the institutions with whom the authors are affiliated. The find
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Art. No.
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overnment needs to seriously look at implementing one of the pillars in the National Strategy for Financial Inclusion through the Ministry
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State (Gamlath, 2013). Because there are limited places available in state-owned universities, there is intense competition to gain univers
earch as part of the SSA Retirement Research Consortium. Additional support was provided by the National Institute on Aging of the Natio
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nowledge financial support from the FundaciD? RnamD? Anreces. Any opinions, findings, and conclusions or recommendations expressed
dation of China under Grant No. 15ZDC024 for Su. We thank Yuhe Yan and Xinyi Zhou for their helpful editorial s
Wood Johnson Foundation (RWJF) (Grant No. 73054). Support was also provided to Kullgren by the Department of Veterans Affairs (VA), Ve
8638271
e1992
of the National Institutes of Health.” PI: Bradley Evanoff, MD, MPH Project Title: Washington University Institute of Clinical and Translation
527
8601708
100214
na (2017), and the Slovak Economic Association conference in Bratislava (2018) for their useful suggestions and comments. For helpful com
1647817
Boletín Oficial del Estado (2018). Resolución de 23 de enero de 2018, de la Comisión Nacional del Me
101327
financial literacy (BenDavid-Hadar, 2015). Similarly, Beach (2016) found that the teachers in Canada did not have adequate knowledge or
100173
nts at the Equity in Education Workshop (Leuven 2017), the Workshop on Education Economics (Maastricht 2017), the Workshop on Recen
counted for USD 156 million. Data from the Ministry of Industry 2009 show that the number of batik SMEs in Indonesia has reached 47.75
101949
100141
between USDA NIFA and Cooperative Extension. We also thank the staff at the CFPB who developed the YMYG tool kit.
101930
holarship and grant awards) (Figure 4). By evaluating the data in this way, it was possible to determine whether students were “overborro
o guarantee sustainability of pension system. National Audit Office of Estonia, 26/02/2014. http://www.riigikontroll.ee/tabid/168/amid/5
100172
101918
100155
Foundation Flanders (FWO) through the programme ?Financial Literacy @ School? (Grant no: S000617N).
cience and Higher Education for support through Grant ‘Debt Watch’, no. 0057/DLG/2016/10 under the programme ‘Dialogue’.
5
y for Financial Studies (2018), All-Russian Public Opinion Research Center (2018)
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a2
P01 AG005842
gramme Quality of Life), through the 6th Framework Programme (Projects SHARE-I3, RII-CT-2006-062193, COMPARE, CIT5-CT-2005-02885
5
e0209434
10
7002
5012
12011
12089
95
nts using tablets is, supported by Ministry of Communications and Information Technology (MeitY), Governemnt of India. Awareness in Co
8706858
50001
Health (R01 AG17917 and R21 AG30765 to D. A. Bennett, R01 AG34374 and R01 AG33678 to P. A. Boyle, K23 AG40625 to S. D. Han).
1904
CS19
12064
8
187
m of Taiwan.
d the argumentation and structure beyond measure. The work undertaken for this article was supported by the European Research Counc
Europe (Luc Renneboog), and the Swiss National Science Foundation (Philip Tobler with Grants PP00P1 1507
117
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1463813
a1645
ding scheme (project number DP140101031). The authors thank the two anonymous reviewers for their comments. 2 Melbourne Law Sch
rance), co-funded by Marie Skłodowska-Curie Actions, under the European Union’s 7th Framework Progr
nt from the Citi Foundation as well as research support from the Singapore Management University, and the Pension Research Council/Bo
ort from the German Research Foundation (DFG) is gratefully acknowledged (SCHN553/1-1). GIESECKE MATTHIAS YANG GUANZHONG RW
e018802
1525039
# 6IAW1
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ernational to cover the collection of school administrative data. This work was improved by the input of multiple anonymous reviewers an
1784
FA summer meeting 2016, the 15th TIBER Symposium on Psychology and Economics and the Research in Behavioral Finance Conference 2
e015947
hip of the Ministry of Science, Education, and Sports. She post-graduate in Statistical Methods for Economic Analysis and Forecasting and g
1750008
anne Yoong, and seminar participants at Bocconi University, the 2009 NBER Summer Institute, the NBER meeting on the Economics of Hou
ss Health Economists Workshop 2015. None of the mentioned is responsible for remaining errors and shortcom
olicies of the sponsoring agencies.
of goods as well as use them as the contract and .org/articles/view.php?ArticleID=420 (2005). bearing the
nvestments for providing access to the Unicredit Customers Survey. We kindly acknowledge financial support from the European Commiss
e014270
7976021
tm> accessed 15 June 2016. The Financial Consumer Agency of Canada, ‘General Survey on Consumers’
e0180674
386
84
12254
iew, or approval of the manuscript.
arolina Population Center at The University of North Carolina at Chapel Hill by the Eunice Kennedy Shriver National Institute of Child Healt
6
21723
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1650016
97616
1650008
7474649
e Bill & Melinda Gates Foundation (BMGF). We thank Dr. Sommarat Chantarat for her contribution during the preliminary stage of this res
160005
sitas Indonesia and Universitas Gadjah Mada in Bali, Indonesia on October 8???12, 2011, and the Accounting Research and Education Con
89538
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iejme.2016.257
7
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th the name of National Strategy for Economic and Financial Education (NSEFE). The Ministry of Finance and Public Credit, the Ministry of
1057923
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7107541
36
ited States had personal finance standards or guidelines and the Financial Industry Regulatory Authority partnered
11
ff Brown, Wandi Bruine de Bruin, Katherine Carman, James Choi, Courtney Coile, Adeline Delavande, Maria Fitzpatrick, Bill Gale, Damon Jo
1021
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essment (note question 9 counts as 4 points) 1. Question: Which of these percentages represents the biggest risk of
5FEA5
ting, or submission of this study.
6FEA3
C and CURA grants). Thanks to Christelle Essaga at John Jay, Dwayne Patterson at the Centre for the Study of Co-operatives, and Torrence
Article 605
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g Australians’ financial well-being from communication, education and guidance through to enforcement action w
riculum, carbon fraud, third-party partnerships and human resource management in policing.
R21 AG025169
nded research in Australia (Financial Literacy Foundation, 2007), Canada (Policy Research Initiative, 2005), Ireland (Conroy & O’Leary, 2005
FC’s Business EdgeTM programme, and to David McKenzie and various conference participants for helpful comments.
2TOT8
2FEA2
1TOT6
6674410
8
for Economic Co-operation and Development (OECD).
30
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udents is concerned, MEXT conducts an annual and comprehensive testing of the academic ability of sixth and ninth graders, but only in tw
teracy and Education Commission—a keystone effort to address issues of fair and accurate credit t
5490584
ders of financial education for low-income families is increasing: 65% of recently surveyed programs began in the 1990s and almost 75% s
m of Understanding with the US Peace Corps in 1991 for Peace Corps volunteers to launch and run Junior Achievement programs overseas
6
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4625292
UNPFA). The authors would also like to thank Jill Benson and Hannah Carter-Menn for their contributions and suppo
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om the authors are affiliated. The findings and conclusions of this paper do not represent the views of the SSA, any agency of the Federal G
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sions or recommendations expressed in this paper are those of the authors and do not necessarily reflect the views of these institutions.
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(2014), https://www.01caijing.com/channel/1006.htm, . White paper of China P2P lending service indust
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stions and comments. For helpful comments we are in particular grateful to Martin ?uster, Pavel Gertler, Peter T?th, and
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Al-Tamimi, H.A.H., Kalli, A.A.B., Financial literacy and investment decisions of UAE investors (2009)
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145
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Alessie, R., Van Rooij, M., Lusardi, A., Financial literacy, retirement preparation and pension expec
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and the Pension Research Council/Boettner Center of the Wharton School at the University of Pennsylvania. We thank an
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E MATTHIAS YANG GUANZHONG RWI – Leibniz-Institute for Economic Research , Essen , Germany (e-mail: matth
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ixth and ninth graders, but only in two subjects: Japanese language and arithmetic/mathematics. There is no MEXT testing of student und
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began in the 1990s and almost 75% surveyed began in the late 1990s or early 2000s (Vitt et al., 2003). Providers of financial education incl
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nior Achievement programs overseas (JAI 1992). It works closely with US Ambassadors and their staffs to coord
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the SSA, any agency of the Federal Government, or the MRRC.
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Cordero, J.M.; Departamento de Economía, Universidad de ExtremaduraSpain; email: jmcordero@unex.es
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5
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Cordero, J.M.; Universidad de Extremadura, Av. Elvas sn, Spain; email: jmcordero@unex.ex
De Beckker, K.; Leuven Economics of Education Research, Faculty of Economics and Business, KU LeuvenBelgium; email: kenne
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DOI
10.3389/fpsyg.2019.02866
10.1108/AFR-06-2019-0061
10.1108/IJOEM-05-2018-0218
10.1108/IJOEM-05-2018-0229
10.1108/MF-07-2019-0324
10.1111/joca.12286
10.1186/s40461-019-0086-y
10.1186/s41937-019-0027-5
10.1111/joca.12270
10.1016/j.frl.2018.12.007
10.1177/0117196819900420
10.1177/0972262919850920
10.1016/j.jrurstud.2019.10.030
10.1186/s40461-019-0083-1
10.3390/SU11247210
10.1097/NNA.0000000000000822
10.1186/s40461-019-0077-z
10.1111/1468-4446.12698
10.1186/s41937-019-0028-4
10.1111/ejed.12369
10.1007/s13394-019-00262-5
10.1111/joca.12279
10.1111/joca.12233
10.1186/s40461-019-0085-z
10.1007/s13394-019-00259-0
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artment of Behavioral Sciences, Rush University Medical CenterUnited States; email: rwilson@rush.edu
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Carolina at Chapel Hill, 135 Dauer Drive, CB#7445, United States; email: Wilkina@live.unc.edu
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Universiti Putra Malaysia

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maoka@waseda.jp
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Affiliations
Dept. of Management Studies, CHRIST (Deemed to be University, Hosur Road, Bengaluru, 29, India;
Faculty of Psychology, University of Vienna, Vienna, Austria
Economics Faculty, Nong Lam University, Ho Chi Minh, Viet Nam; Nong Lam University, Ho Chi Minh,
Islamic Business School, Universiti Utara Malaysia, Malaysia; Department of Finance, School of Econo
Department of Finance and Economics, University of Sharjah, Sharjah, United Arab Emirates; Depart
Department of Finance, University of Ghana, Accra, Ghana
School of General Management, National Institute of Construction Management and Research, Pune,
d5=f033c09717749c0a6ddee7d9b0b4e614
oca.12286&partnerID=40&md5=6c36ed115f35c30fe1a0193b003c4d05
Chair of Economic Education, Eberhard Karls University of Tübingen, Melanchthonstr. 30, Tübingen,
Post Graduate Government College, Sector 11, Chandigarh, Punjab 160011, India
The George Washington University School of Business Global Financial Literacy Excellence Center and
oca.12270&partnerID=40&md5=9b88d209ad2c144af0df822123958f6e
Management in Management and Science University, Malaysia
Department of Financial Services, University of Giessen, Licher Strasse 74, Giessen, 35394, Germany
Migration Research and Training Centre, South Korea; De La Salle University, Philippines
Institute of Business Management, GLA University, Mathura, Uttar Pradesh, India; University Business
School of Architecture, Planning & Environmental Policy, University College Dublin, Ireland
Department of Taxation, UNISA, Pretoria, South Africa
Institute of Public Administration, Business and Management, University of Economics and Innovation
Department of Anesthesia, University of Texas MD Anderson Cancer Center, 1515 Holcombe Blvd, Unit 0
Faculty of Social Sciences, Economics, and Business Administration, Chair for Business and Econom
Department of Sociology and Anthropology, Ben-Gurion University of the Negev, Israel; Department of
Département des Sciences Sociales, Unité de Sociologie, University of Fribourg, Bd de Pérolles 90, F
Bohdan Khmelnytsky National University of Cherkasy, Ukraine
Learning Enhancement and Academic Development (LEAD) Centre, Mary Immaculate College, Limerick,
Sekolah Tinggi Ilmu Manajemen YKPN, Indonesia; Universitas Islam Indonesia, Indonesia; Universitas
School of Arts and Education, Deakin University, 221 Burwood Highway, Burwood, VIC 3125, Australia
oca.12279&partnerID=40&md5=0945e5b3c1c2c6ee49c9f398d9ba9157
oca.12233&partnerID=40&md5=485cb9e8e1e691d666de9e2212c1be84
Faculty of Business and Economics, Business Education and Management Training, TU Dresden, Dre
Institute of Education, Massey University, Albany Campus, Auckland, New Zealand; Deakin Universit
School of Economics, Huazhong University of Science and Technology, Wuhan, 430074, China; School
Brown School at Washington University in St. Louis, St. Louis, United States
Department of Mathematics Education, Faculty of Mathematics and Natural Science, Universitas Neg
National Chiao Tung University, Taiwan; National Tsing Hua University, Taiwan
Acharya Bangalore B-School, Andrahalli Main Road, Off Magadi Road, Bengaluru, Karnataka, India
Faculty of Graduate Studies and Research, Makerere University Business School, Kampala, Uganda
d5=6c1eb8fc461b0b001008be82a5734ef3
College of Creative Design Entertainment Technology, Dhurakij Pundit University, DIT, Interactiv
School of Occupational Therapy, Social Work and Speech Pathology, Curtin University, Bentley, WA, A
Faculty of Economics and Business, University of Jember, Indonesia; Raden Andi Sularso, and Imam Sur
Comenius University, Department of Economy and Finance, Bratislava, Slovakia; Trnava University in T
Institute of graduate study (IGS), SEGi University, 9 Jalan Teknologi, Taman Sains Selangor, PJU 5,
Asia and Pacific Department, International Monetary Fund, Washington, DC, United States; Middle E
Graduate School of Education, Fordham University, 113 W 60th St, New York, NY 10023, United States
Department of Commerce, Central University of Haryana, Mahendergarh, Haryana 123 031, India
Department of Financial Planning, Housing and Consumer Economics, University of Georgia, Athens,
Institute for Sociology, Centre for Social Sciences, Hungarian Academy of Sciences, Hungary; Institute
Discipline of Economics, School of Humanities and Social Science, Indian Institute of Technology Indor
Philipps-University Marburg, Germany; Ifo Institute–Leibniz Institute for Economic Research at the
Rutgers University Behavioral Health Care, 151 Centennial Avenue, Piscataway, NJ 08854, United State
Ghent University, Faculty of Economics and Business Administration, EB22, Sint-Pietersnieuwstraat 2
Basic Education Department, Senior High School Discipline Coordinator, St. Michael's College, Iligan C
Department of Political Science and Public Administration, Middle East Technical University, Ankara,
Department of Social Work, Stellenbosch University, Saldanha, South Africa
School of Management, Presidency University, Bangalore, India; School of Management, IMS Unison U
d5=96a9f6cb87f5507eee5bd52635d8d18d
North Carolina State University and NBER, Poole College of Management, Box 7229, Raleigh, NC, Unite
Department of Social and Organizational Psychology, National Distance Education University (UNED), M
University of North Carolina at Charlotte, Cato College of Education, 9201 University City Blvd, Cha
Pedagogy Department, Bukhara State University, Uzbekistan; Bukhara State University, Uzbekistan
School of Business and Economics, Whitworth University, Weyerhaeuser Hall, 300 W. Hawthorne Rd.,
Indian Institute of Management, Bangalore, India; Indian Statistical Institute, Kolkata, India
Institute of Personal Financial Planning, Kansas State University, Manhattan, KS, United States; Unive
Prince Sultan University, College of Business Administration, Riyadh, Saudi Arabia; Gateway Business
Department of Economics and Finance, University of the Free State, Bloemfontein, South Africa
Department of General Management, School of Business and Department of Management, UPES, LPU,
Universidade do Vale do Rio dos Sinos, São Leopoldo, Brazil; Escola Superior de Propaganda e Market
Department of Management and Law, University of Rome Tor Vergata, Rome, 00133, Italy; Faculty o
NYU Silver School of Social Work, United States; East China University of Science and Technology, Ch
California State University East Bay and Global Economic Education Alliance, United States; Universit
American University, United States
Department of Finance, School of Business, University of Cape Coast, Cape Coast, Ghana
oca.12241&partnerID=40&md5=af423efdc0a63b9a4d5fac4acb9dd7a7
Department of Economics and Business, University of Almeria, Almeria, 04120, Spain; Department of
Operations and Information Management at the Wisconsin School of Business, University of Wisconsin
Departamento de Administración, Facultad de Economía y Negocios, Universidad de Chile, Diagonal P
oca.12209&partnerID=40&md5=1047ae5850b14651919cd4caa172612f
Institute of Information Market Engineering (IISM), Karlsruhe Institute for Technology Karlsruhe
K L Business School, Koneru Lakshmaiah Education Foundation, Vaddeswaram, AP, India
oca.12242&partnerID=40&md5=333676c9550ee8b962a705a8c40dc0bb
oca.12231&partnerID=40&md5=884069565ae0dc44cde3f7556012fda8
Tilburg University, Postbus 90153, Tilburg, 5000 LE, Netherlands; De Nederlandsche Bank, P.O. Box
National Head for STFC Ltd., India; School of Management, KIIT University, India
Department of Business Administration, Government Arts College, Tiruchy, 620 022, India
School of Management and Economics, University of Electronic Science and Technology of China, Che
Department of Finance, School of Business, New Jersey City University, Jersey City, NJ, United States; Teachers College, Colum
Brown School, Washington University in St. Louis, Campus Box 1196 One Brookings Drive, St. Louis, MO
Centre for Innovative Programmes for Adolescents and Families, Jockey Club Innovation Tower, The
Department of Building Technology, KNUST, Kumasi, Ghana; Department of Building Technology, Kofor
Department of Commerce, Faculty of Management Studies and Commerce, University of Sri Jayewarden
Department of Finance, University of Ghana Business School, Accra, Ghana

Department of Business Administration, University of Lucknow, Lucknow, Uttar Pradesh, India
Amity Business School, Amity University, Noida, India
Covenant University, Nigeria; Bingham University, Nigeria; Institute of Development Finance and Pro
Faculty of Education, The University of Hong Kong, Hong Kong
Loyola University Chicago, Quinlan School of Business, Chicago, IL, United States
Faculty of Business, Plymouth University, Plymouth, United Kingdom
Department of Banking and Finance, Bindura University of Science Education, Bindura, Zimbabwe
Department of Economics, California State University at Fullerton, Fullerton, CA, United States; Depa
School of Social Work, University at Buffalo, State University of New York, 685 Baldy Hall, Buffalo, N
Pennsylvania State University, United States
d5=312bd02c22ac4897f06142817cfafcae
Sauder School of Business, University of British Columbia, 2053 Main Mall, Vancouver, BC V6T 1Z2,
Deputy Director and Senior Fellow, Stanford Institute for Economic Policy Research, Stanford Univ
School of Education, Iowa State University, United States; West Financial Advisors, United States
Department of Commerce & Management, KLEF (Deemed to be University) Campus: Green Fields, Guntu
Lewis & Clark College, Portland, OR, United States; Independent researcher, Phnom Penh, Cambodia
Faculty of Education, University of Malaya, Malaysia
Department of Radiation Oncology, University of North Carolina at Chapel Hill School of Medicine, Chap
Department of Accounting and Finance, Management and Science University, Shah Alam, Malaysia; D
School of Business, University of New South Wales Canberra at ADFAACT, Australia; Institute for Human
School of Communication, Hong Kong Baptist University, Kowloon, Hong Kong; Department of Commun
Department of Consumer Sciences, University of Alabama, Tuscaloosa, AL 35487, United States; School
College of Business, University of New Haven, West Haven, CT, United States; Soules College of Busines
Department of Marketing and Communication, Estonian Business School, Tallinn, Estonia; Institute of S
Department of Business Administration, University of Delaware, Newark, DE, United States; Departme
Department of Economics and Finance at Haile/US Bank College of Business, Northern Kentucky Unive
Department of Information Technology, Government of Andhra Pradesh, India; Indian Institute of
oca.12198&partnerID=40&md5=591cef8186ac4a18d44581a28e2efa8f
Department of Sociology and Economy, Faculty of Social Sciences, Daugavpils University, Parades Str.1
security: Development of a measurement instrument (2014) Journal of Security and Sustainability Issues, 4 (1), p
School of Public Economics and Administration, Shanghai University of Finance and Economics, Shan
Happy Valley Business School, Coimbatore, India
University of Giessen, Chair of Banking and Finance, Germany; University of Giessen, Department of
Instituto Universitário de Lisboa (ISCTE-IUL), ISTAR-IUL, Lisboa, Portugal; Instituto Universitário d
KLUBS, KLEF, Guntur District, Vaddeswaram, Andhra Pradesh, India
UWA Business School, The University of Western Australia, Crawley, WA, Australia; Adam Smith Busi
oca.12187&partnerID=40&md5=87578e4d3ecb5693a2b9df190a622ffa
University of North Carolina at Charlotte, Charlotte, NC, United States
Education Department, Robert Morris University, Moon, PA 15108, United States
University of California, Davis, United States
Department of Finance and Accounting, University of Sousse, Rue khalifa karoui sahloul 4 sousse BP
Ardhi University, PO Box 35176, Dar es Salaam, Tanzania
School of Business and Law, University of Agder, Kristiansand, Norway; Faculty of Economics and Bus
The World Bank Group, Washington, DC, United States; Department of Economics, Management and Stati
Istanbul Bilgi Universitesi, Istanbul, Turkey; Kadir Has Universitesi, Istanbul, Turkey
Universita degli Studi di Milano-Bicocca, Milan, Italy; University of Milano Bicocca, Milan, Italy
School of Management, Wuhan University of Technology, Wuhan, 430070, China; Department of Manag
School of Economics and Investment, Bangkok University, Bangkok, Thailand
Sustainable and Inclusive Digital Financial Services (SIDFS) Initiatives, Lagos Business School, Pan-A
Graduate Institute of Educational Policy and Leadership, Tamkang University, No. 151, Yingzhuan Rd.,
Department of Economics, Institute for Financial Management and Research, Chennai, India
I. osnovna škola Cakovec, Croatia; Osnovna škola Vežica, Rijeka, Croatia; Agrupamento de Escolas de V
University of Delaware, United States; Boston Federal Reserve, United States
Department of Management, Sekolah Tinggi Ilmu Ekonomi YPPI Rembang, Indonesia
Department of Business Administration, University of Verona, Verona, I-37129, Italy; Department of
Departamento de Economía, Universidad de Extremadura, Badajoz, Spain
Borland Library, University of Florida, Jacksonville, FL, United States
FMS-WISDOM, Banasthali Vidyapith, Bikaner, Rajasthan, India; Banasthali Vidyapith, Newai, Rajasthan
Department of Management, Faculty of Economic and Business, Universitas Sumatera Utara, Medan,
Taylor Fry, Sydney, Australia; Research School of Finance, Actuarial Studies and Statistics, College of
Bond Business School, Bond University, Gold Coast, QLD, Australia
Department of Accounting and Finance, The University of Auckland Business School, Auckland, New
Department of Orthopaedic Surgery and Sports Medicine, Temple University Hospital, Philadelphia, PA
Department of Business Administration, Vels Institute of Science, Technology and Advanced Studies (V
Fundamentos del Análisis Económico (FAE), Universidad de Alicante, Alicante, 03071, Spain; Fundament
Department of Business Administration of Manipal University, Jaipur, Rajasthan, India; Faculty of Ma
Mindanao State University, Iligan Institute of Technology, Philippines; De La Salle University, Philippi
Department of Commerce and Management, Amrita School of Arts and Science, Kochi, Amrita ViswaVi
Qatar Central Bank, Doha, Qatar
Department of Psychology, University of Gothenburg, Göteborg, Sweden; School of Business, Econo
Department of Human Sciences, The Ohio State University, 1787 Neil Avenue, Room 115F, Columbus, OH
Department of Gerontology, John E. McCormack Graduate School of Policy and Global Studies, Univer
Philosophy Department, Reading Centre for Cognition Research, University of Reading, Reading, RG
UWA Business School, The University of Western Australia, Crawley, WA, Australia
Department of Humanities and Social Sciences Education, Stockholm University, Sweden
School of Economics and Management, Southwest Jiaotong University, Chengdu, 610031, China; Institu
Department of Geography and Geology and the School of Education of the Universität Salzburg, Aust
Indigenous Research and Engagement Unit, Queensland University of Technology, Kelvin Grove4059,
Department of Special and Early Education, Northern Illinois University, DeKalb, IL 60115, United Sta
Aging, Disability and Long-Term Care Program, RTI International, Waltham, MA, United States; Aging
Department of Applied Economics, Universidad de Zaragoza, Zaragoza, Spain; Department of Economic

Rush Alzheimer's Disease Center, Chicago, Illinois 60612, United States; Department of Behavioral Sci
oca.12190&partnerID=40&md5=cea8f6e08cb6e08e5f31fca0baef0b79
Social and Global Studies Centre (SGSC), RMIT University, Melbourne, VIC, Australia; Future Social Ser
Department of Agricultural Sciences, Southern University and A&M College, Baton Rouge, LA 70813,
School of Management Science and Engineering, Central University of Finance and Economics, Beijing,
The Center for Clinical Management Research, The Veterans Affairs Ann Arbor Healthcare System, Ann
Department of Public Administration, University of Rajshahi, Rajshahi, Bangladesh

Faculty of Economics, Department of Financial Markets and Public Finance, University of Rzeszów,
School of Management, Kalinga Institute of Industrial Technology, Deemed to be University, Bhubanes

Department of Management, Amrita Vishwa Vidhyapeetham, Amritapuri, Kollam, Kerala, India; IBS Hy
Universidade Presbiteriana Mackenzie, Sao Paulo, Brazil
Milwaukee School of Engineering, MSOE University, Milwaukee, WI, United States; Neurological Moni
Department of Management Studies, Malaviya National Institute of Technology, Jaipur, India
Faculty of Business, Multimedia University, Melaka, Malaysia; Faculty of Management, Multimedia Un
Department of Training and Education Sciences, Faculty of Social Sciences, University of Antwerp, G
Department of Marketing, McCombs School of Business, University of Texas, 2110 Speedway, Austin, T
KLUBS, KLEF, Guntur, Vaddeswaram, Andhra Pradesh, India
Division of Plastic and Reconstructive Surgery, Washington University in St. Louis School of Medicin
AlphaEngine Global Investment Solutions LLC, Great Falls, VA, United States
Dagestan State University, Makhachkala, Russian Federation
Department of Accounting and Finance, College of Business and Social Sciences, Landmark University,
Florida International University, Miami, United States
022243718821660&partnerID=40&md5=44861471d2b45736482ec65b62298a23
Institute of Indian Studies, Hankuk University of Foreign Studies, 702 Faculty Building II, Imun-ro 1
Business School, Sichuan University, Chengdu, 610065, China; Hamdard Institute of Management Sci
Department of Human Sciences, College of Education and Human Ecology, The Ohio State University,
Department of Human Development and Family Studies, University of Rhode Island, 2 Lower College R
Global Health Research Center of Central Asia, Almaty, Kazakhstan; Columbia University School of S
Department of Finance and Real Estate, Kogod School of Business, American University, Washington,
Sam Houston State University and IZA, Huntsville, TX, United States
Department of Economics, Finance and Marketing, RMIT University, Melbourne, Australia
Dept. Elect. Software Eng, Milwaukee School of Eng, Milwaukee, United States; Milwaukee School of
Department of Language and Social Education, Faculty of Education, National University of Lesotho,
School of Social Work, Frank Porter Graham Child Development Institute, The University of North Caro
University of Warwick, United Kingdom; University College London, United Kingdom
Centro de Excelencia en Psicología y del Consumo, Núcleo en Ciencias Sociales y Humanidades, Unive
Faculty of Management and Economics, Center for Applied Economic Research, Tomas Bata University i
Universiti Putra Malaysia, Malaysia
University of Vaasa, Wolffintie 34, Vaasa, 65200, Finland; University of Tampere, Kanslerinrinne 1, T
Department of Taxation, School for Accounting Sciences, University of South Africa, South Africa
Department of Management Studies, Indian Institute of Technology, Roorkee, Uttarakhand, India
Universiti Kuala Lumpur, business school, Malaysia; Universiti Putra Malaysia, Faculty of Agriculture,
Nakasone Yasuhiro Peace Institute (NPI), Toranomon 30 Mori Building 6F, 3-2-2 Toranomon, Minato-ku
School of Finance, Zhongnan University of Economics and Law, No.182, Nanhu Avenue, Wuhan, Hube
Department of Applied Finance, Macquarie University, Sydney, NSW, Australia; Bond Business School,
Research Department, National Bank of Slovakia, Bratislava, Slovakia; LIS: Cross-National Data Cent
IILM Academy of Higher Learning, Gomtinagar, Lucknow, India; Department of Rural Management, B
Economics Faculty, Siliwangi University, Indonesia
Department of Economics, Center for Economic Education, University of Nebraska at Omaha, 6708 Pi
Department of Management, Faculty of Economics and Business, Hasanuddin University, Indonesia;
Management Doctoral Program (PDIM), Unissula, Semarang, Indonesia; State Islamic University Wali
Tomas Bata University in Zlin, Faculty of Management and Economics, Mostní 5139, Zlin, 760 01, Czec
Department of Economics and Finance, University of the Free State, Phuthaditjhaba, South Africa; S
Department of Management Studies, Sathyabama University, Rajiv Gandhi Road, Chennai, 119, India
Eberhard Karls University of Tübingen, Germany
Lingnan University, Tuen Mun, Hong Kong; The Education University of Hong Kong, Tai Po, Hong Kon
Universidad de Almería, Spain
Department of Nonformal Education Universitas Negeri Yogyakarta, Indonesia; Department of Accoun

Widyatama University, Indonesia
Research Institute of Economics and Management (RIEM), Southwestern University of Finance and Ec
University of PhoenixAZ, United States
Department of Consumer Policy Research, Korea Consumer Agency, Eumsung-Gun, South Korea; Depar
Faculty of Entrepreneurship and Business, Universiti Malaysia, Kelantan, Malaysia; Faculty of Entrepr
Guizhou University, Guiyang, China; Huazhong Agricultural University, Wuhan, China
Department of Economics, Mathematics and Statistics, University of Turin and CeRP, Collegio Carlo Al
University of Palestine, Gaza, Palestine; Ahlia University, Manama, Bahrain
Department of State, Local and Corporate Finance, University of Customs and Finance, Ukraine; Depa
Universitas Islam Nahdltul, Ulama, Jepara, Indonesia; Universitas Diponegoro, Semarang, Indonesia
City University of New York, Guttman Community College, United States
d5=b7e4605de6166e2ea7755585e3901921
Universidad de Extremadura, Av. Elvas sn, Badajoz, 06006, Spain; Universidad Autónoma de Madrid,
School of Finance and International Business School, Zhejiang Gongshang University, Hangzhou, Chin
University of Economics and Innovation, Lublin, Poland; Ignacy Łukasiewicz Rzeszow University of Te
Department of Agricultural and Consumer Economics, University of Illinois at Urbana-Champaign, Urba
Intelligence Security Agency of Bosnia and Herzegovina, Mehmeda Spahe 16, Sarajevo, 71000, Bosnia a
Department of Taxation, University of South Africa, South Africa
College of Business Administration, A’Sharqiyah University, Oman; Department of Banking and Risk
University of Sharjah, PO Box – 27272, United Arab Emirates
Faculty of Finance and Accounting, Department of Finance, Budapest Business School, Hungary; Faculty
Leuven Economics of Education Research, Faculty of Economics and Business, KU Leuven, Leuven, Be
KIIT deemed to be University, Bhubaneswar, Odisha, India; KISS Deemed to be University, Bhubanesw
University of Torino and CeRP Collegio Carlo Alberto, Torino, Italy
Department of Economics, Universiti Pendidikan Sultan Idris, Tanjong Malim, Malaysia
Economic Analysis and Research Department, Oesterreichische Nationalbank, Vienna, Austria; Foreig
Goethe University Frankfurt, Germany; European Central Bank, Deutsche Bundesbank, University of
Stanford University, 366 Galvez Street, Stanford, CA 94305, United States; London School of Econ
Universiti Malaysia Terengganu, Malaysia
University of Usak, Turkey
Department of Resources Management and Consumer Studies, Faculty of Human Ecology, Universiti
University of Hradec Kralove, Faculty of Informatics and Management, Rokitanskeho 62, Hradec Kralo
Department of Financial Services, University of Gieβen, Germany; House of Finance, Goethe Universi
College of Social Work, Florida State University, University Center, 296 Champions Way, Building C-Sui
oca.12287&partnerID=40&md5=80d6a34cd678f62ff8cbb2fb508596fb
Austin Community College, Austin, TX, United States; Center for Professional Education, University of T
Universitas Kristen Satya Wacana, Indonesia; Universitas Pekalongan, Indonesia
School of Business Innovation and Technopreneurship, Universiti Malaysia Perlis, Pengkalan Jaya, Mal
EdX, Cambridge, MA, United States; Computer Science Department, Brandeis University, Waltham, M
Financial University under the Government of the Russian Federation, Moscow, Russian Federation;
Development Research Group, The World Bank, Washington, DC, United States; Global Financial Liter
Toronto District School Board, Canada
Department of Banks, International Centre for Financial Markets Research, Saint Petersburg State U
Faculty of Economics and Business, Airlangga University, Surabaya, Indonesia
Indigenous Research and Engagement Unit, Queensland University of Technology, Brisbane, Australia; G
Dayeh University, Changhua, 51591, Taiwan
Department of Economics, Michigan State University, 202 Old Botany, East Lansing, MI 48824, United
Social Security Administration (SSA), United States
Department of Economics, Kwame Nkrumah University of Science and Technology (KNUST), Kumasi,
Milken Institute for Job and Capital Formation, Los Angeles, United States
Department of Clinical, Educational, and Health Psychology, University College London, United King
Kazan Federal University, Institute of Management, Economics and Finance, Russian Federation; Kaza
Ministry of Education, Manama, Bahrain; Ahlia University, Manama, Bahrain
Norwegian Institute of International Affairs, Oslo, 0164, Norway; Harvard Business School, Boston,
Business School, Manchester Metropolitan University, All Saints Campus, Manchester, M15 6BH, Unit
Leuven Economics of Education Research, KU Leuven, Naamsestraat 69, Leuven, 3000, Belgium; UNU-M
Department of Pedagogy, Curriculum and Instruction, University of A Coruña, Spain; Research in Educ
School of Economics, Finance and Banking, Universiti Utara Malaysia, Malaysia
Department of Business and Economics Education, Johannes Gutenberg University Mainz, Jakob-Welder‑Weg 9, Mainz, 55099
University of Tennessee, Knoxville, TN, United States; University of Georgia, Athens, GA, United State
International Institute of Information Technology, Hyderabad, India; Indraprastha Institute of Inform
Department of Finance, University of Zagreb, Zagreb, Croatia; Department of Marketing, University of
OECD Eurasia Division, Paris, France
Center for Public Partnerships and Research, Achievement and Assessment Institute, University of Kan
School of Business, University of New South WalesNSW, Australia
Department of Management Studies, Indian Institute of Technology, Roorkee, Uttarakhand, India
DEGEIT — Department of Economics, Management, Industrial Engineering and Tourism, University of A
Faculty of Economics – University of Belgrade, Kamenička 6, Belgrade, 11000, Serbia; Newcastle Univ
School of Business, Shri Mata Vaishno Devi University, India
Computer Science Department, School of Computer Science, Bina Nusantara University, Jakarta, 114
Department of Management, Universitas Negeri Surabaya, Indonesia
Technical University of Munich (TUM), Germany; Johannes Gutenberg University Mainz (JGU), Germ
Budapest Metropolitan University, Hungary; Corvinus University of Budapest, Hungary
Rush Alzheimer's Disease Center, Rush University Medical Center, Jelke Building, 1750 W. Harrison St
Iowa State University, Ivy College of Business, 2167 Union Dr., Ames, IA, 50011, USA, Iowa State U
Telfer School of Management, University of Ottawa, Canada
Department of Economics, University of Verona, Via Cantarane 24, Verona, 37129, Italy
University of Maryland, College Park, MD, United States; University of Maryland Eastern Shore, Princ
cial aspects of social work practice? (2016) Journal of Teaching in Social Work, 36 (5), pp. 519-536; Boehm, A., Th
Zeppelin University, Am Seemoser Horn 20, Friedrichshafen, D-88045, Germany; Chair for Banking a
Universität Zürich, Switzerland; Goethe-Universität Frankfurt am Main, Germany
College of Business, Changzhou University, Changzhou, China; School of Management, Shanghai Lixin
University of Koblenz-Landau and German Institute for Economic Research (DIW Berlin), Landau, 768
MAPFRE MSV Life, Malta; University of Malta, Malta
Financial University Under the Government of the Russian Federation, Moscow, Russian Federation
Trail Ridge Wealth Management, Fort Collins, CO 80520, United States; Campus Delivery 1601, Colleg
Department of Social Practice, Unitec Institute of Technology, 5-7 Ratanui Street, Henderson, Auckl
National Institute of Public Finance and Policy (NIPFP), Autonomous Institute of Ministry of Finance,
Escuela Superior de Economía, Instituto Politécnico Nacional, Mexico; Escuela Superior de Economía,
Faculty of Business, Management and Economics, University of Latvia, Riga, 1586, Latvia
23rd World Multi-Conference on Systemics, Cybernetics and Informatics, WMSCI 2019

Amsterdam University of Applied Sciences, Netherlands; Maastricht University, Netherlands; Univer
University of Tennessee at Knoxville, Knoxville, TN 37996, United States; Central University of Gujar
University of Koblenz-Landau, Landau, 76829, Germany; German Institute for Economic Research (DI
Faculty of Economics, Universitas Negeri Jakarta, Indonesia; Padjadjaran University, Bandung, Indon
Inter-American Development Bank, Research Department, 1300 New York Ave. NW, Washington, DC
Guilford Glazer Faculty of Business and Management, Ben-Gurion University of the Negev Ben-Gurion
Faculty of Business and Accounting, Infrastructure University Kuala Lumpur, Jalan Ikram-Uniten, Kaj
University of Southern California, Dana and David Dornsife College of Letters Arts and Sciences, CE
Department of Urban and Environmental Policy and Planning, Tufts University, 97 Talbot Avenue, Me
Department of Consumer Science, The University of Alabama, 316 Adams Hall, Tuscaloosa, AL 35487,
KU Leuven, Belgium; University of Antwerp, Belgium; University of Antwerp, Belgium; KU Leuven, Be
National University of Singapore, Singapore; “Babeş-Bolyai” University, Romania; Open University of

Oesterreichische Nationalbank (OeNB), Economic Analysis Division, Otto Wagner Platz 3Vienna 1090,
Maria Curie-Skłodowska University (UMCS), Lublin, Poland; University of Economics and Innovation (W
School of Public Policy and Administration, Carleton University, Room 5213 Richcraft Hall, 125 Colon
Department of Business Administration, AITS-Rajampet (Autonomous), Rajampet, India
Investment Strategist, 1 North Wealth Services, LLC, Annapolis, MD, United States; Department of
School of Public Affairs, University of Science and Technology of China, Hefei, China; Graduate Re
UCC Business School, Universidad Cristóbal Colón, Mexico
Faculty of Management Studies, University of Delhi, India; Amity School of Business, Amity University
Faculty of Economics, Thammasat University, Thailand
Kulliyyah of Economics and Management Sciences, International Islamic University Malaysia, P.O. Bo
University of Montana, Rural Institute for Inclusive Communities, 52 Corbin Hall, Missoula, MT 59812,
Faculty of Economics and Business, I. Javakhishvili Tbilisi Sate University, Tbilisi, Georgia
Model Development Capital Team, JPMorgan Chase & Co., Washington, DC, United States; Department
Department of Business Administration, Berhampur University, Bhanja Vihar,, Berahampur, Odisha 76
Vila do Conde, Portugal
KIIT University, School of Management, Odisha, India; Samara University, Accounting, and Finance Dep
Electrical Engineering and Information Technology Department, Universitas Gadjah Mada, Yogyakarta
University of Montana, Rural Institute for Inclusive Communities, 52 Corbin Hall, Missoula, MT 59812,
Department of Human Sciences, The Ohio State University, Columbus, OH, United States; Centre for De
Federal State Budgetary Scientific Institution “Federal Research Center of Agrarian Economy and Soc
Department of Behaviour Sciences and Learning,, Linköping University, Linköping, Sweden; HELIX Co
Higher Colleges of Technology, Fujairah, United Arab Emirates
University of Malta, Malta; MAPFRE MSV Life, Malta
Zurich University of Applied Sciences, Switzerland
Chief Economist Intesa Sanpaolo, Italy
Graduate School of Economics, Nagoya University, Nagoya, Japan; School of Economics, Hiroshima Un
New Jersey City University, United States

School of Teaching and Learning-5330, College of Education, Illinois State University, Normal, IL 617
University of Granada Business School ̶ Department of Applied Economics, Campus Cartuja, Granada,
University of Venda, South Africa; University for Development Studies, Ghana
University of Nottingham, School of Economics and ESRC Network for Integrated Behavioural Science
Indian Institute of Management, Kozhikode, India; Public Economics, Dipartimento di Economia e Manage

Economics and business Faculty, Lambung Mangkurat University, Indonesia
Willis Towers Watson, Sydney, Australia; Department of Finance, The University of Melbourne, Melbou
Institute of Insurance Economics, University of St. Gallen, Tannenstrasse 19, St. Gallen, 9000, Switzer
University of Colorado Denver Business School, 1475 Lawrence St, Denver, CO 80202, United States;
Department of Law, Business & Economics, Chair of Business and Economics Education, Johannes Gute
Estonian Business School, Estonia; University of Tartu, Estonia
University of Georgia, United States; Washington University, United States
University of Canberra, Bruce, Australia; Monash University, Clayton, Australia; The University of Quee
National Distance Education University (UNED), Department of Social and Organizational Psychology,
Department of Law, Business & Economics, Chair of Business and Economics Education, Johannes Gute
Department of Banking and Finance, Monash University, Caulfield Campus, Australia; Department of
Routledge
Siberian Transport University, Dusi Kovalchuk st., 191, Novosibirsk, 630049, Russian Federation
Business School, Birmingham City University, Birmingham, United Kingdom; Business School, Univers
Xi'An University of Technology, Accounting and Finance Department, Xi'an Shaanxi, 710054, China;
German Institute for Economic Research (DIW Berlin), Berlin, 10117, Germany; Leibniz University
Tunku PuteriIntan Safinaz School of Accountancy, Universiti Utara MalaysiaKedah 06010, Malaysia;
Department of Management, Faculty of Economics and Business, University of Muhammadiyah Surabay

Department of International Health, Social and Behavioral Interventions, Johns Hopkins Bloomberg Scho
Irkutsk National Research Technical University, Irkutsk, Russian Federation
School of Social Science, University of Queensland, Brisbane, Australia; Brotherhood of St Laurence,
Boston College School of Social Work, Boston College, Chestnut Hill, MA, United States; Jack Joseph
Makerere University Business School, Kampala, Uganda
JICA Research Institute, Japan; National Bank of Cambodia, Cambodia
Department of Sociology, McGill University, Peterson Hall, 3460 McTavish, Montreal, QC H3A 0E6, C
George Washington University Law School, Harvard, United States

Department of Geography, University of Kentucky, 817 Patterson Office Tower, Lexington, KY 40506,
Swinburne University of Technology, Melbourne, Australia; Department of Marketing, Griffith Universit
University of California, Los Angeles, United States; City, University of London, United Kingdom
Faculty of Education, Monash University, 29 Ancora Imparo Way, Clayton, VIC 3800, Australia
Institute of Complex Analysis of Regional Problems, Far Eastern Branch, Russian Academy of Sciences
Graduate School of Business Administration, University of the Witwatersrand, Parktown Johannesbur
Departement of Industrial Engineering, Universitas Komputer Indonesia, Jl. Dipati Ukur No 112-116, B
Faculty of Economics and Business, Telkom University, Indonesia, Hull University Business School, C
Department of Business Administration, Federal University of Santa Catarina, Florianópolis, Brazil;
Faculty of Economic and Administration, University Malaya, Kuala Lumpur, 50603, Malaysia; Faculty
Population Studies Center, University of Pennsylvania, Philadelphia, PA, United States
School of Commerce, University of South Australia, Adelaide, Australia; Built Environment Research In
Department of Land Management and Valuation, Ardhi University, Dar es Salaam, Tanzania; Institute
Lacy School of Business, Butler University, 4600 Sunset Avenue, Indianapolis, IN 46208, United St
Business School, Central South University, 932 Lushan South Road, Changsha, 410083, China; Busine
University of Granada, Campus Cartuja, Granada, 18071, Spain
Department of Economics, Hiroshima University, 1-2-1, Kagamiyama, Higashi-Hiroshima, 739-8525, J
Department of Economics, Pontificia Universidad Católica de Chile, Santiago, Chile; Faculty of Econo
Department of Social Policy and Intervention, University of Oxford, United Kingdom; Department of
University of Bologna, Department of Economics, piazza Scaravilli 2, Bologna, 40126, Italy; Universi
Asian Development Bank, Kathmandu, Nepal
Guanghua School of Management, Peking University, 5 Yiheyuan Rd., Beijing, 100871, China; School
Department of Curriculum and Instruction, UK College of Education, Lexington, KY 40506, United Sta
Department of Human Development and Family Studies, University of Rhode Island, Kingston, RI, Unit
University College London, United Kingdom
H R College, University of Mumbai, Dinshaw Wacha Raod, Mumbai, 400020, India

College of Nursing, Rush University, Chicago, IL, United States
Department of Agricultural Economics, Ghent University, Ghent, Belgium; Department of Business Ad

School of Management Studies, National Institute of Technology Calicut, Kozhikode, Kerala, India
Wuhan University of Science and Technology, Huangjiahu Campus, Wuhan, Hubei, China
Universitas Padjadjaran, Indonesia; Jambi University, Indonesia
Northern Illinois University, United States
Justus-Liebig-University Giessen, Licher Str. 62, Giessen, 35394, Germany
World Federation of Exchanges, 125 Old Broad Street, London, EC2N 1AR, United Kingdom; Departmen
Department of Informatics, University of Zurich, Binzmuehlestrasse 14, Zurich, 8050, Switzerland
Finance Discipline Group, UTS Business School, University of Technology Sydney, Broadway, NSW, Aus
Federal University of Sao Paulo (UNIFESP), Osasco, SP, Brazil; Sao Paulo School of Business Administra
Department of Business Administration, Federal University of Santa Maria, Santa Maria, RS, Brazil; Dep
Sao Paulo School of Business Administration (FGV/EAESP), Sao Paulo, SP, Brazil; University of Texas at
Symbiosis Institute of Business Management, Symbiosis International University, Pune, India; Thiag
Center for Research in Analytics & Technology in Education, Amrita Vishwa Vidyapeetham, Kollam, In

Harbin Institute of Technology, 11, silling street, Harbin, 150001, China
Department of Marketing and Quantitative Methods, Department of Management, University of South Al
Education, Darwin College, University of Cambridge, Cambridge, United Kingdom; John F Kennedy Sch
Biomedical Engineering Research Group, Institut Teknologi Bandung, Bandung, Indonesia; Indonesian
Department of Accounting, Finance and Economics, Griffith University, Nathan, QLD 4111, Australia
Department of Agricultural Economics, Sociology and Education, The Pennsylvania State University,
Munich Center for the Economics of Aging at the Max-Planck-Institute for Social Law and Social Polic
Department of Finance, Tilburg University, Warandelaan 2, Tilburg, 5037AB, Netherlands; KU Leuven

LIS Cross-National Data Center in Luxembourg, Esch-Belval, Luxembourg; National Bank of Slovakia, B
Complutense University of Madrid, Spain; BBVA Research, United States; CAF-Bank of Development fo
Department of Economics, Kwame Nkrumah University of Science and Technology, Kumasi, Ghana; Econo
Department of Quantitative and Business Studies, University of Naples “Parthenope”, Via Generale Pari
Neuroimaging Laboratory, Santa Lucia Foundation, Rome, Italy; Department of Economics, Managemen
Louvain Finance (IMMAQ), Louvain School of Management, Université catholique de Louvain, Chauss
Bamberg University, Department of Management, Business Administration and Economics, Kaerntenst
University of Marburg, Institute of Accounting and Finance, Am Plan 1, Marburg, 35032, Germany
University of Turin, Italy; NORC, University of Chicago, United States; University of Connecticut, Uni
VIT Business School, VIT University, Vellore, Tamil Nadu, India
Anderson School of Management, University of California, Los Angeles, Los Angeles, CA 90095, United
Department of Behavioral Sciences, Rush University Medical Center, Chicago, IL, United States; Rush
Leeds School of Business, University of Colorado at Boulder, Campus Box 419, Boulder, CO 80309, Un
Southern Methodist University, IZA, United States; University of Nevada, Las Vegas, United States; S
Dipartimento di Economia e Finanza, Università Cattolica del Sacro Cuore, Largo Gemelli 1, Milano, 2
University of New EnglandNSW 2351, Australia; Fairfield University, United States; University of N
Department of Social and Organizational Psychology, UNED, Madrid, Spain; Department of Developmen
Faculty of Business and Commercial Sciences, Holy Spirit University of Kaslik, Jounieh, Lebanon; Labo
Faculty of Business Management, Universiti Teknologi MARA Cawangan Pahang, Jengka Campus, Band
780203709726&partnerID=40&md5=1f65ed4ee4aa84bbc9a2d61a8bfec472
Department of Consumer Sciences, University of Alabama, Tuscaloosa, AL, United States; Departmen
Integrated Systems Engineering Department, Ohio State University, United States; Ohio State Univers
Malaysian Financial Planning Council, Kuala Lumpur, Malaysia
University of the West Indies, St. Augustine Campus, St. Augustine, Trinidad and Tobago
Department of Behavioral Sciences, Rush University Medical Center, 1645 W. Jackson, Chicago, IL 606
Stewart, C.C.; Department of Behavioral Sciences, Rush University Medical Center, 1645 W. Jackson, United States; email: chri
Department of Business Administration, Cheng Shiu University, Kaohsiung, 833, Taiwan; Postgraduate
Department of Behavioral Sciences and Learning, Linköping University, Linköping, SE-581 83, Sweden
University of St. Gallen, Switzerland; University of Fribourg, Switzerland
Symbiosis International University, India
School of Risk and Actuarial Studies, UNSW Australia, Australia; Business School, Marketing Discipline
Symbiosis International University (Deemed), India
Lacy School of Business, Butler University, 4600 Sunset Avenue, Indianapolis, IN 46208, United St
WU Vienna University of Economics and Business, Institute for Social Policy, Welthandelsplatz 1, Wie
Symbiosis International University, India

The School of Business Administration, the College of Management Academic Studies, Israel; Departm
Ted Rogers School of Management, Ryerson University, Toronto, Canada; Mississauga, ON, Canada
National Payment System Division, Department of Operations, Central Bank of Lesotho, PO Box 1184
Uşak University, Applied Sciences Academy Systems of Accounting and Information Department, Tur
Çankaya University, Ankara, Turkey; Onsekiz Mart University, Çanakkale, Turkey; Hacettepe Universit
North Branch (Management and Social Sciences Faculty), Islamic Azad University, Tehran, Iran; Securit
Research Institute of Economics and Management, Southwestern University of Finance and Economi
Fordham University, New York, NY, United States; USI Insurance Services, White Plains, NY, United St
Department of Educational Leadership and Research Methodology, Florida Atlantic University, Boca R
Noorul Islam Centre for Higher Education, India; ITM Business School, Kannur, India
Department of Consumer Sciences, University of Alabama, Tuscaloosa, AL 35487, United States
Division of Dermatology, University of Texas Dell Medical School, Austin, United States
Department of Economics and Finance, University of Canterbury, Private Bag 4800, Christchurch, 81
Department of Economics, Philosophy, and Political Science, University of British Columbia, Kelown
Bob Shapell School of Social Work, Tel Aviv University, Tel Aviv, Israel
ETH Zurich Zurich, Switzerland
Microsoft Research, Bangalore, India; Aarhus University, Aarhus, Denmark; IIIT Delhi, Delhi, India;
Department of Business Management, Institut Teknologi Sepuluh Nopember, Kampus ITS, Sukolilo-Sura
College of Socil Work, Florida State University, Tallahassee, FL, United States; Department of Social
German Institute for Economic Research (DIW Berlin), Mohrenstr.11, Berlin, 10117, Germany; Leibn
Faculty of Education, University of Malaya, Malaysia

Amsterdam University of Applied Sciences, Netherlands; Maastricht University, Netherlands; Univer
Department of Economics and Statistics, University of Torino, Campus Luigi Einaudi, Lungo Dora Siena 1
Department of Accountancy, Faculty of Business and Accountancy, University of Malaya, Malaysia
Toulouse School of Economics, TSM, University of Toulouse Capitole, Toulouse, France
Johannes Gutenberg University Mainz, Germany; University of Bamberg, Germany
Utrecht University, Utrecht, Netherlands
Health Information Administration, Department of Health Information Management, School of Allied
Department of Social Policy and Intervention, University of Oxford, 32-37 Wellington Square, Oxfor
University of Nevada, Reno, United States
Departamento de Econom a, Universidad Autónoma Metropolitana Azcapotzalco, Chile
Department of Economics ‘Marco Biagi’, University of Modena and Reggio Emilia, Via Jacopo Berengari
Department of Economics and Finance, University of Rome Tor Vergata, Via Columbia 2, Rome, 00135, I
Iliff School of Theology, 2323 E. Iliff Ave., Denver, CO 80210, United States
Overseas Development Institute, London, United Kingdom; Qatar Central Bank, Doha, Qatar
Global Health Research Center of Central Asia, Almaty, Kazakhstan; Columbia University of Social Wor
Graduation Program in Business Administration, Federal University of Santa Catarina, Brazil; Post Gr
CNRS-PSE, Paris, France
College of Management, Taipei Medical University, Taiwan; National Sun Yat-sen University, No. 70,
Elsevier B.V.
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School of Public Policy and Administration and Department of Economics, York University, Toronto,
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School of Management, Xiamen University, Xiamen, China; Executive MBA Program in Biotechnology, T
Munich Center for the Economics of Aging at the Max-Planck-Institute for Social Law and Social Poli
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Kabardino-Balkarian State University named after Kh.M. Berbekov, Kabardino- Balkarian Republic, C
Indian Institute of Management Indore, Rau-Pithampur Road, Indore, 453556, India; Institute of Ma
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Cardiff Business School, Cardiff University, Cardiff, United Kingdom
Center for the Study and Treatment of Anxious Youth, Palo Alto University, Palo Alto, CA, United Stat
School of Management Studies, National Institute of Technology Calicut, Kozhikode, Kerala 673601,
University of Munich, Ludwigstr. 33, Munich, 80539, Germany; Royal Holloway, University of London
Behavioural Science Centre, Stirling Management School, University of Stirling, Stirling, FK9 4LA, Un
Center for Institutional Studies and Department of Finance, National Research University, Higher Sc
Federal Reserve Bank of New York, 33 Liberty St., New York, NY 10045, United States; Department of
West Chester University, United States
Gutenberg University Mainz, Jakob-Welder-Weg 9, Mainz, 55128, Germany
University of Rwanda, Rwanda; Development Economics Group, Wageningen University, Netherlands;
School of Social Work, University of Texas at Arlington, 211 South Cooper, Arlington, TX 76019, Unit
Symbiosis Institute of Operations Management, Nashik, India; JDC Bytco Institute of Management Stu
College of Social Work, Florida State University, Tallahassee, FL, United States; Boys Town North Flori
Campus Academic Team, Social and Behavioral Sciences, Florida State College at Jacksonville, Jacks
Department of Social Sciences, United States Military Academy, West Point, NY, United States
Institute of Higher Education, University of Florida, Gainesville, FL, United States; Financial Aid, M
Institute of Andragogy Study, J. A. Komensky University, Prague, Czech Republic
Polytechnic of Međimurje, Čakovec, Croatia; University of Rijeka, Faculty of Economics, Croatia
Economista en Jefe, Estudios Económicos, Infonavit, Mexico
Adjunct Faculty, University of Massachusetts, College of Health Sciences, Lowell, MA, United States;
West Virginia University & Center for Free Enterprise, 1601 University Avenue, Morgantown, WV 2650
School of Management, SASTRA University, Thanjavur, Tamil Nadu, 613401, India; Department of Trai
Rush University Medical Center, Rush University College of Nursing, 600 S. Paulina Suite 1080, Chica
World Bank, Washington, DC, United States; Poverty, Health, and Nutrition Division, International Fo
Universiti Utara Malaysia, Kedah, Malaysia
HCI Institute, Carnegie Mellon University, Pittsburgh, PA, United States
University of Naples Parthenope, Dept. of Business and Economic Studies, Via General Parisi 13, Naple
d5=88d366e2aa5a9e547a554533df853884
LeBow College of Business, Drexel University, Philadelphia, PA, United States; Stockton University, Ga
University of Cologne, Germany; Goethe University of Frankfurt, Germany; Tongji University, China
Marriott School of Management, Brigham Young University, United States; University of California at
School of Economics, Finance and Marketing, RMIT University, Melbourne, Australia
Decision Research, Eugene, OR, United States; Law School, University of Pennsylvania, Philadelphia, P
Department of Economics, Faculty of Informatics and Management, University of Hradec Králové, Hr
Philosophy and Sociology Department, Southwest State University, Radishchev Str., Kursk, 305040, R
Finance and Credit Department, Southwest State University Kursk, Radishchev Str., Kursk, 305040, R
Universidad Autónoma de Querétaro, Mexico
Bank Indonesia, Representative Office of Yogyakarta, Yogyakarta, 55121, Indonesia; Faculty of Econo
Central Bank of Montenegro, Faculty of Economics, Belgrade, Montenegro; Central Bank of Monten
Lee Kuan Yew School of Public Policy, National University of Singapore, 469C Bukit Timah Road25977
Department of Family Medicine, University of Southern California, Los Angeles, CA 90089, United Sta
Anderson School of Management, University of California, Los Angeles, 110 Westwood Plaza, Los Ang
Department of Applied Economics, University of Minnesota, 332D Ruttan Hall, 1994 Buford Avenue, S
Department of Educational Psychology, University of Wisconsin, Madison, WI, United States; Center
University of New South Wales, Sydney, Australia
Department of Business Economics and Public Policy, Kelley School of Business, Indiana University, 1
Johannes Gutenberg University Mainz, Germany; Bielefeld University of Applied Sciences, Germany
Department of Health Behavior and Health Education, University of Michigan School of Public Health
Department of Economics, Central University of Tamil Nadu, Thiruvarur, Tamil Nadu, 610 101, India
National Institute of Education, Nanyang Technological University, 1 Nanyang Walk, Singapore, 6376
University of Duisburg-Essen, Universitätsstraße 12, Campus Essen, Essen, 45141, Germany
Friedrich Schiller University Jena, Carl-Zeiss-Strasse 3, Jena, 07743, Germany; Goethe University Fr
Institut für Erziehungswissenschaft, University of Zurich, Kantonsschulstrasse 3, Zurich, Switzerland
Department of Economics and Econometrics, University of Johannesburg, PO Box 524, Auckland Park,
Friedrich Schiller University Jena, Carl-Zeiss-Strasse 3, Jena, 07743, Germany; Goethe University Fr
Universität Siegen, Zentrum für ökonomische Bildung in Siegen (ZöBiS), Kohlbettstraße 15, Siegen,
School of Teaching and Learning, Illinois State University, Campus Box 5330, Normal, IL 61790-5300,
Universität Zürich, Institut für Erziehungswissenschaft, Kantonschulstrasse 3, Zurich, 8001, Switzerlan
Republic Polytechnic, 9 Woodlands Avenue 9, Singapore, 738964, Singapore; Nanyang Technological Un
National Institute of Education, Nanyang Technological University, 1 Nanyang Walk, Singapore, 6376
Department of Technology, Policy and Management, Technology University Delft, Netherlands
Universitas Indonesia, Indonesian Council for Economic and Financial Education (ICEFE), Kampu Baru
Domaine Sciences des sociétés, des cultures et des religions, Département des sciences sociales, Univ
Friedrich Schiller University Jena, Carl-Zeiss-Strasse 3, Jena, 07743, Germany; Goethe University Fra
Universidad Nacional Autónoma de México, Facultad de Economía, Ciudad Universitaria, Mexico City
Faculty of Education, The University of Hong Kong, Pokfulam Road, Hong Kong
Department of Economics, Florida Atlantic University, 777 Glades Road, Boca Raton, FL 33431, Unite
School of Social Work, University of Missouri-St. Louis, One University Boulevard, St. Louis, MO 63121
Faculty of Education, York University, 4700 Keele St., Toronto, ON, Canada
Department of Psychology, Università Cattolica del Sacro Cuore, Largo Gemelli 1, Milan, 20123, Italy
University of Education Freiburg, Kunzenweg 21, Freiburg, 79117, Germany
Economics Center, University of Cincinnati, 225 Calhoun, #370, Cincinnati, OH 45219, United States
University of Ontario Institute of Technology (UOIT), Faculty of Education, 11 Simcoe Street North,
Department of Agricultural, Food and Resource Economics, Rutgers University, Cook Office Building,
Department of Economics, University of Waikato, Private Bag 3105, Hamilton, 3240, New Zealand; Fi
Faculty of Education, University of South Bohemia, Jeronỳmova 10, Ceské Budejovice, 371 15, Czech
School of Education, University of Western Sydney, Locked Bag 1797, Penrith, NSW 2750, Australia; N
Carl von Ossietzky Universität Oldenburg, Faklutät II, Informatik, Wirtschafts-und Rechtswissens
Bucharest University of Economic Studies, Romanian Center for Economic Education, 7 Vasile Milea Bd
Federal Reserve Bank of Philadelphia, Philadelphia, United States; Department of Economics, Universi
Konrad-Adenauer-Schule Kriftel, Auf der Hohlmauer 1-3, Kriftel, 65830, Germany
DIMES Consultancy, Sarphatistraat 7, Amsterdam, 1001RA, Netherlands
Department of Psychology, Università Cattolica del Sacro Cuore, Milano, Italy; Department of Humanit
School of Education, University of Leeds, Hillary Place, Leeds, LS 2 9JT, United Kingdom
Nationaal Instituut Voor Budgetvoorlichting, Hekelsteeg 6, Utrecht, 3511 AK, Netherlands; Ministry
Vienna University of Economics and Business, Welthandelsplatz 1/D2/B, Vienna, A-1020, Austria
Family Social Science Department, University of Minnesota, 1985 Buford Avenue, St. Paul, MN 5510
Federal University of Santa Maria, Santa Maria, Brazil; University of São Paulo, São Paulo, Brazil
Minnesota State University Mankato, United States; The University of South Dakota, United States
Australian Securities and Investments Commission (ASIC), Australia
Boehly Center for Excellence in Finance, United States; College of William, Mary's Mason School of Bu
Operations Evaluation Department, International Monetary Fund, United States
UKM-Graduate School of Business, Universiti Kebangsaan Malaysia, Bangi, Selangor 43600, Malaysia; S
ADBI, Japan; Financial Affairs Division, OECD, OECD/INFE, United States
The University of Tennessee at Chattanooga, United States; West Virginia University, United States
University School of Milwaukee, United States; University of Wisconsin-Milwaukee, United States; Fed
Nanyang Technological University, 50 Nanyang Avenue, Singapore, 639798, Singapore; Mahidol Univers
Graduate School of Knowledge Science, Japan Advanced Institute of Science and Technology, Japan
Maulana Azad College of Arts, Science and Commerce, Dr. Rafiq Zakaria Marg, Rauza Bagh, Aurangab
Rostov State University of Economics, Rostov-on-Don, Russian Federation
College of Social Work, Florida State University, Tallahassee, FL, United States; Department of Social
College of Social Work, Florida State University, Tallahassee, FL, United States; Department of Social
Department of Money and Finance, College of Finance and Statistics, Hunan University, China; Gradu
Beatriz Lassalle Graduate School of Social Work, University of Puerto Rico, San Juan, PR, United St
Department of Business and Economics, Algoma University, 1520 Queen Street East, Sault Ste. Mari
Chair of Banking and Finance, University of Hagen, Hagen, Germany; Psychologist, Hanover, German
John Jay College, City University of New York, United States
School of Social Sciences, Universiti Sains Malaysia, Minden, Malaysia
Harrisburg University of Science and TechnologyPA, United States
Financial Knowledge Institute, San Jose, CA, United States
National Endowment for Financial Education, Denver, CO, United States
Moneythink-University of Chicago Chapter, Chicago, IL, United States
Society for Financial Education and Professional Development, Washington, DC, United States
Student Wellness Center, Office of Student Life, The Ohio State University, Columbus, OH, United Sta
Harrisburg University of Science and Technology, Harrisburg, PA, United States
Makerere University Business School, Kampala, Uganda
Elite Educational Services, Inc., Brooklyn, NY, United States
College of Business Administration, Georgia Southern University, Statesboro, GA, United States; Raym
Universidade Federal de Santa Maria, Brazil; Universidade Federal de Santa Maria, Campus Palmeira d
Faculty of Economics, Universitas Negeri Malang, Indonesia
Department of Economics, 369 College of Business Administration, University of Nebraska-Lincoln, Li
Universitas Gadjah Mada, Indonesia; Universitas Sebelas Maret, Indonesia
University of Nevada, Reno, United States; College of Education, University of Nevada, Reno, United
Griffith University, Brisbane, Australia
School of Criminology and Criminal Justice, Griffith University, Australia; Australian Research Council
Department of Corporate Finance and Economics, Faculty of Engineering Economics and Management, R
University of AlabamaAL, United States; University of GeorgiaAL, United States
Department of Corporate Finance and Economics, Faculty of Engineering Economics and Management, R
Department of Business Management, University of the Free State, South Africa
Finance Department, Makerere University Business School (MUBS), Kampala, Uganda; Procurement a
Department of International Economics and Business, Faculty of Economics and Management, University
Economics and Finance, School of Business, Whitworth University, 300 W. Hawthorne Rd, Weyerhaeuse
University of Southern Queensland, Australia; Department of Accounting, Finance and Economics, Griffi
Warwick Business School, University of Warwick, Coventry, United Kingdom; York Management School,
Department of Financial Planning, Housing and Consumer Economics, University of Georgia, Athens, GA
University of Sumatera Utara, Indonesia
Israel Gerontological Data Center, Hebrew University of Jerusalem, Israel; The School of Business Adm
Islamic Business School, Universiti Utara Malaysia, Sintok, Kedah 06010, Malaysia
V.M. Patel Institute of Management, Ganpat University, India; Faculty of Management Studies, Ganpat
Bharathiar University, Coimbatore, Tamil Nadu, India; Welingkar Institute of Mangement Development a
Department of Teacher Education and Administration, The University of North Texas, United States; Un
University of Edinburgh, Business School, United Kingdom
Teachers College, Columbia University, United States; Federal Reserve Bank, New York, United States
Syracuse University, United States
Tomas Bata University in Zlin, Zlin, Czech Republic; Tomas Bata University in Zlin, Zlin, Czech Repu
Peres Academic Center, Business School, Rehovot, Israel
California State University at Fullerton, Fullerton, CA 92834, United States
TAPMI School of Business, Manipal University Jaipur, India; Department of Economics, Manipal Univers
Sree Vidyanikethan Institute of Management, A. Rangampet, Tirupati, Andhra Pradesh, 517 102, Indi
University of Nebraska–Lincoln, University of Nebraska-Lincoln, Lincoln, NE, United States
Federal Reserve Board, United States
Kazan Federal University, Russian Federation; Kazan National Research Technical University, Russian
Prague, Czech Republic; Sino-European Usability Center (SEUC), Dalian Maritime University, Dalian,
Gabelli School of Business, Fordham University, New York, United States
Department of Accounting, Covenant University, Ogun State, Ota, Nigeria; Department of Accounting,
Institución Universitaria Esumer, Facultad de Estudios Empresariales y de Mercadeo, Colombia
Charles University in Prague, Prague, Czech Republic
UCC Business School, Universidad Cristóbal Colón, Veracruz, Mexico
Alfalah Institute of Banking and Finance, Baha-ud-Din Zakariya University, Multan, Pakistan; Depar
USC Marshall School of Business, Los Angeles, CA, United States; Division of the Humanities and Socia
International University - HCMC, Vietnam National University, Viet Nam; Queensland University of Te
Carlo Cattaneo University LIUC, Castellanza, Italy
Ben Gurion University of the Negev, Department of Psychology, Israel; Ben Gurion University, Depart
Centre for Banking and Finance, Royal Institute of Technology, KTH, Sweden
Instituto Federal do Triângulo Mineiro, Campus Uberlândia, Uberlândia, Minas Gerais, 38411-104, Br
Charles Sturt University, Australia
University of Pennsylvania Law School, United States
Durham University Business School, Durham University, Durham, United Kingdom; School of Business
Queensland Department of Agriculture and Fisheries, Longreach, QLD 4730, Australia; Queensland D
Department of Business Administration, National Institute of Technology, Kurukshetra, Haryana 1361
Harvard Business School, Boston, MA, United States; Federal Reserve Bank of Chicago, Chicago, IL, Un
Temerlin Advertising Institute, Meadows School of the Arts, Southern Methodist University, Dallas, T
Wharton School of the University of Pennsylvania, United States
School of Commerce and Management, Central University of Rajasthan, Ajmer, Rajasthan, 305 817, Indi
Universidad Autónoma del Caribe, Colombia; CENTRUM Católica, Graduate Business School, Los Álamos
University of Kansas School of Social Welfare, Lawrence, KS, United States; FINRA Investor Educatio
Chulalongkorn University, Bangkok, Thailand; Strathclyde University Business School, Glasgow, United
Symbiosis School of Banking and Finance, Symbiosis International University (SIU), Lavale, Pune, Mah
Department of Resource Management & Consumer Studies, Faculty of Human Ecology, Universiti Putr
Department of Agricultural Economics Agribusiness and Extension, College of Agriculture and Natu
University of Missouri-Columbia, Columbia, MO, United States; University of Missouri-St. Louis, St.
Department of Business Administration, Hong Kong Shue Yan University, Hong Kong; Centre for Entr
Northern Illinois University Center for Economic Education, Northern Illinois University, United States
Mari State University, Yoshkar-Ola, Russian Federation; Kazan National Research Technical University
Department of Mathematics, University of Louisiana at Lafayette, 43568, Lafayette, LA 70504, United
Kazan Federal University, Russian Federation; Kyiv National Economic University, Ukraine
CIBC Investor Services Inc., Toronto, ON, Canada; OCAD University, Toronto, ON, Canada
Information Technologies Institute, CERTH, Thessaloniki, 57001, Greece; Semantic Web Company, Mar
Department of Economics and Demography, Institute of Gerontology, University of Vechta, Vechta,
Thompson Rivers University, Kamloops, Canada
Department of Economics, Faculty of Economics, University of Jember, Jalan Kalimantan No. 37, Jemb
University of Nottingham, United Kingdom
Department of Sociology, College of Business and Social Sciences, Covenant University, 10 km Idiroko
University of Hradec Kralove, Czech Republic
School of Management, Yale University, New Haven, CT 06520-8200, United States; National Bureau
Department of Obstetrics, Gynecology & Reproductive Sciences, University of California San Francisco,
German Institute for Economic Research (DIW Berlin), Berlin, 10108, Germany; Mahidol University,
Sveriges Riksbank, Stockholm, SE-103 37, Sweden; Department of Economics, Stockholm School of E
University of Birmingham, Department of Economics, United Kingdom; Georgia State University, Dept
University of Siegen, Germany
Department of Accountancy and Finance, University of Otago, P.O. Box 56, Dunedin, 9054, New Zeal
MDes (Inclusive Design), OCAD University, 205, Richmond St., Toronto, Canada
CICE, ISCAP / IPP and Algoritmi RC, R. Dr. Jaime Lopes de Amorim, Portugal; CICE, ISCAP / IPP, R. Dr.
Ruth Lilly Law Library, Indiana University Robert H. McKinney School of Law, Indianapolis, IN, United
UNSW, Australia; Taylor Fry Analytics and Actuarial Consulting, United States
Rush Alzheimers Disease Center, Rush University Medical Center, 600 S. Paulina St., Chicago, IL 60
Sikkim Manipal Institute of Technology, India

University of Sfax FSEGS, Sfax, Tunisia; Finance and Accounting Department, University of Sfax FSEGS,
Department of Personal Financial Planning, Texas Tech University, 1301 Akron Street—MS 1210, Lubb
National Endowment for Financial Education, 1331 17th Street, Suite 1200, Denver, CO 80202, Unite
George Washington University School of Business, United States
University of Technology Sydney, Australia; Australian National University, Australia; University of We
Department of Psychology,, Ben Gurion University (BGU), Israel; Professor of psychology, Ben Gurion U
Università di Torino, CeRP-Collegio Carlo Alberto, Italy
School of Accountancy and Management Information Systems, DePaul University, Chicago, United States
University of Rajshahi, Rajshahi, Bangladesh; Flinders University, Adelaide, Australia
Austin Presbyterian Theological Seminary, Austin, TX, United States
Department of Biological and Biomedical Sciences, Aga Khan University, Karachi, Pakistan; Oral and Max
Financial Institution under the Government of the Russian Federation, Moscow, Russian Federation; Yo
Universitas Islam Sumatera Utara20146, Indonesia; University Institute for International and European
Australian Catholic University, Brisbane, QLD, Australia; The University of Queensland, Brisbane, Aus
Illinois State University, United States; Akita International University, Japan; University of North Texa
Faculté des Sciences Economiques et de Gestion de Sfax, Sfax, Tunisia; Department of Finance, ISAAS, S
Mitchell College of Business, University of South Alabama, Mobile, AL, United States; Ancell School o
Department of Human Development and Family Studies, University of Rhode Island, Kingston, RI 02881
d5=0a586d3fe2af060a74e6d00cbdd0fb04
KTH Royal Institute of Technology, Lindstedtsvägen 3, Stockholm, SE-100 44, Sweden
Post Graduation Program in Business Administration, Federal University of Santa Maria, Brazil
The University of Alabama, Tuscaloosa, AL, United States; The University of Arizona, Tucson, AZ, Uni
College for Public Health and Social Justice, Saint Louis University, 3550 Lindell Blvd., Tegeler Hal
Cornell University, Ithaca, NY, United States
University of Zurich, Department of Banking and Finance, Plattenstrasse 32, Zurich, CH-8032, Switz
Technical University of Košice, Department of Business and Management, Košice, Slovakia
Institute for Fiscal Studies, London, United Kingdom; Royal Holloway, University of London, United
Department of Social Welfare, Namseoul University, 91 Daehakro, Seonghwan, Cheonan, 331-707, S
New York University, United States
University of Technology Sydney, Faculty of Health, PO Box 123, Broadway, NSW 2008, Australia; Joh
Department of Health Policy and Management, University of Kansas, United States; RAND Corporation
J. Willard Marriott Library, University of Utah, Salt Lake City, UT, United States
Department of Asian and Policy Studies, The Hong Kong Institute of Education, Hong Kong, China; D
The George Washington University School of Business, United States
Oesterreichische Nationalbank, Vienna, Austria
London School of Economics and Political Science, United Kingdom; Data & Society Research Institute
KAIST College of Business, Korea Advanced Institute of Science and Technology, South Korea; Korea U
Smith School of Enterprise and the Environment, University of Oxford, Oxford, United Kingdom; Monash
National University of Singapore, Singapore; Federal Reserve Bank of Chicago, United States; The Ohio
The George Washington University School of Business, 2201 G Street, NW, Suite 450E, Washington, D
Universiti Sains Malaysia, Malaysia
Department of Resource Management and Consumer Studies, Faculty of Human Ecology, University P
Department of Early Childhood Education, Aristotle University of Thessaloniki, Greece
Department of Economics, University College, Institute for Fiscal Studies, London, United Kingdom;
RLAK College of Home Economics, Karachi, Pakistan
The Institute of Economics, Zagreb, Croatia; Zagreb School of Economics and Management, Croatia
University of Naples Federico II, CSEF, CEPR, Italy; Università della Svizzera Italiana (USI), Facoltà di
Ganpat University, North Gujarat, India
Texas A&M University, College Station, TX, United States
Centre for Financial Planning Law, University of the Free State, Bloemfontein, SA, Australia
Anna University Regional Center, Coimbatore, India; Happy Valley Business School, Coimbatore, India
Banque de France, Paris, France; Paris School of Economics, Paris, France; CNRS, Paris, France
University of Birmingham, Edgbaston, Birmingham, B15 2TT, United Kingdom
Elite Club, Malayer Branch, Islamic Azad University, Malayer, Iran
Northern Kentucky UniversityKY, United States; University of TampaFL, United States; University of S
EMLYON Business School, 23 Avenue Guy de Collongue, Écully, 69130, France; CeRP/Collegio Carlo Albe
College of Business, Victoria University, Melbourne, Australia; Financial Education Research Unit, Coll
Anna University, Regional Center, Coimbatore, India; Happy Valley Business School, Coimbatore, Indi
University of Sfax, Sfax, Tunisia
La Salle University, Philadelphia, PA, United States; Anthem Institute, Cherry Hill, NJ, United States
School of Business, Whitworth University, United States; Department of Financial Planning, Housing
University of New South Wales, Australia; The University of Western Australia, Australia
North-West University, Potchefstroom Campus, Building E3, 11 Hoffman Street, Potchefstroom, 2531,
School of Government and International Affairs, Durham University, Durham, United Kingdom
Department of Economics and Finance, University of Canterbury, Christchurch, New Zealand; Departm
Indian Institute of Management Ahmedabad, India
Dept. of Management Studies, Anna University Regional Centre, Coimbatore, India
Miami University, United States
Department of Sociology/Anthropology, Denison University, Granville, OH, United States; School of Nu
University of Denver, Denver, CO, United States
University of Memphis, Memphis, TN, United States
d5=8fcd9c77a8bf3127ecacbbae9ca77bd6
Department of Health Policy and Management, University of Kansas, United States; RAND Corporation
Faculty of Economics and Administrative Sciences, Bulent Ecevit University, Zonguldak, Turkey; Depa
Universidade Federal de Santa Maria, Centro de Educação Superior Norte-RS, Departamento de Adminis
University of Memphis, Department of Psychology, Memphis, TN, United States
Department of Resource Management and Consumer Studies, Faculty of Human Ecology, Universiti Putr
Pennsylvania State University Libraries, University Park, PA, United States
Universität Bonn, Department of Economics, Germany
Fakultas Ekonomi, Universitas Negeri Makassar, Indonesia
IBS Business School, IFHE University, Survey No. 156/157, RR District, Hyderabad, 501203, India
College of Business, Florida State University, Tallahassee, FL, United States; University of Groningen
Accounting Department, Bina Nusantara University12345, Indonesia
Einaudi Institute for Economics and Finance, Italy; Bank of Italy, Italy
Sathyabama University, Chennai, India; Kishinchand Chellaram College, Mumbai, India
Dipartimento di Scienze per l'Economia e l'Impresa, Università di Firenze, Via delle Pandette 9, Firenz
Driehaus College of Business, DePaul University, Chicago, IL 60604, United States; Rush Alzheimer's
University of Manchester, Institute for Fiscal Studies, London, United Kingdom; Institute for Fiscal
University of Canterbury, Christchurch, New Zealand; University of the West of England, Bristol, Uni
KU Leuven, Belgium
Mississippi State University, 310 Allen Hall, Mailstop 9705, Mississippi State, MS 39762, United Stat
California State University at Fullerton, United States; Center for Economic Education, United States
Department of Banking and Financial Markets, University of Economics in Katowice, ul. 1 Maja 50, K
Department of Politics and International Studies, University of Warwick, Coventry, United Kingdom
College of Social Work, Florida State University, Tallahassee, FL, United States
The School of Business Administration, The College of Management Academic Studies, Israel; The Facu
Association of American Veterinary Medical Colleges, 1101 Vermont Avenue NW, Washington, DC 20
Keio Business School, Homat Virgiania #405, 4-11-2 Minamiazabu, Minato-ku, Tokyo, 106-0047, Japa
Department of Economics, University of Waikato, Hamilton, New Zealand
I. E. S. ‘Emilio Prados’, Málaga, Spain; Departamento de Economía Aplicada (Estadística y Econometr
Ingenieria en Comunicaciones Y Electroacute;nica - Escuela Superior de Ingenieriacute;a Mecanica Y
Holmes and Co., PO Box 312, Gordon, NSW 2072, Australia
World Bank, United States
Mechanical Engineering, School of Mechanical and Building Sciences, VIT University, Vellore, TN 6320
Riga Technical University, Kalnciema 6, Riga, LV-1048, Latvia
Williams College, WilliamstownMA 01267, United States
School of Management, Bucknell University, One Dent Drive, Lewisburg, PA 17837, United States
Department of Insurance, Finance and Credit, Nizhny Novgorod State Pedagogical University, Russian
Pennsylvania Office of Financial Education, United States; Columbia University, United States; UCLA
School of Maritime Business and Management, Universiti Malaysia Terengganu, Kuala Terengganu, 2
Volgograd State University, Russian Federation
UCLA Anderson, The Peruvian Banking Superintendency (SBS), United States
North-Caucasus Federal University, Pushkin str.1, Stavropol, 355009, Russian Federation; Prague Uni
Federal Reserve Bank of New York, United States; Leeds University Business School, United Kingdom;
Instructor in the Department of Health and Human Development, Montana State University, United St
Departamento de Industrias, Universidad Técnica Federico Santa María, Av. España 1680, Valparaíso, C
Department of Communication, North Carolina State University, United States
Tufts University, Department of Urban and Environmental Policy and Planning, 97 Talbot Avenue, Me
Stan Richards School of Advertising and Public Relations, University of Texas at Austin, United States
School of Family Studies and Human Services, Kansas State University, 319 Justin Hall, Manhattan,
College for Public Health and Social Justice, Saint Louis University, United States; University at Bu
d5=b3a7184e2259e703910275d27d23364f
Banco Santander Totta SA, Rua do Ouro 88, Lisboa, 1100-063, Portugal; Department of Political Econo
New York University, New York, NY, United States
School of Business and Tourism, Southern Cross University, Gold Coast, Australia
WU Wien, Austria
Department of Career and Communication, Yamamura Gakuen College, Saitama, Japan; Graduate School
School of Environment, Resources and Development, Asian Institute of Technology, Bangkok, Thailan
Population Council, Nairobi, Kenya; Department of Sociomedical Sciences, Mailman School of Public
Department of Media, Culture and Language, University of Roehampton, London, United Kingdom
Department of Psychology, Muskingum University, New Concord, OH, United States; Department of Be
University of the Incarnate Word, United States
University of the Incarnate Word, United States
Department of Cultural Analysis and Theory, Stony Brook University, United States
School of Accountancy, Queensland University of Technology, Brisbane, Australia; Department of Acc
Department of Economics, University of Ghana, Accra, Ghana
Otto-Friedrich-Universität Bamberg, Kärntenstraße 7, Bamberg, 96052, Germany
Department of Psychology and Neuroscience, Duke University, Durham, NC 27708, United States; Depa
Department of Finance, Robert H. Smith School of Business, University of Maryland, College Park, MD
Department of Finance, Albers School of Business and Economics, Seattle University, Seattle, WA, Un
Department of Radiation Oncology, Jefferson Medical College, Thomas Jefferson University, 111 South
Deakin Graduate School of Business, Deakin University, Melbourne, VIC, Australia
Department of International Trade and Finance, Ya͆ar University, Universite Cad. No:35-37, Izmir, 35
Department of Finance, Auckland University of Technology, Auckland, New Zealand
Centre for Finance, Credit and Macroeconomics (CFCM), University of Nottingham, School of Economi
Stanford Institute for Economic Policy Research, Stanford University, United States; National Bureau
Institute for Work and Health, 481 University Avenue, Toronto, ON, Canada; School of Public Health
George Washington School of Business, United States; Global Financial Literacy Excellence Center, Un
Department of Human Development and Family Studies, University of Rhode Island, Transition Center,
Department of Management, College of Humanities, Yazd Science and Research Branch, Islamic Azad U
Department of Resource Management and Consumer Studies, Universiti Putra Malaysia, Serdang, Selan
University of St. Gallen, Switzerland; University of Wisconsin-Madison, United States
Bamberg University, Bamberg, Germany; Department of Finance, Bamberg University, Bamberg, Ge
The World Bank, 1818 H Street NW, Washington, DC 20433, United States
Department of Finance, Auckland University of Technology, New Zealand
University of Texas Austin, McCombs School of Business, University of Texas at Austin, 2110 Speed
School of Media and Communication, RMIT University, GPO Box 2476, Melbourne 3001, Australia
De Nederlandsche Bank, Netherlands
Kelce College of Business, Pittsburg State University, Kansas, United States; Mississippi State Universi
Research Department, Federal Reserve Bank of Dallas, P.O. Box 655906, Dallas, TX 75265, United Stat
Department of Industrial Design, 210 Burchard Hall, Blacksburg, VA 24061, United States; Departmen
Volunteers of America Greater Los Angeles, 3600 Wilshire Blvd., Los Angeles, CA 90010, United State
Department of Management Studies, Sikkim Manipal Institute of Technology, Mazitar, East Sikkim, In
Department of Business Studies, Uppsala University, Box 513, SE-751 20 Uppsala, Sweden; School o
Department of Economics, University of Melbourne, Australia; Department of Economics, University
Development Economics Research Group, World Bank, United States; Waikato Management School, U
Department of Economics, University of Bologna, Bologna, Italy; AREL-Agenzia di Ricerche di Economi
Department of Law, University of Pennsylvania, Law School, United States; Department of Law and Ps
Centre for European Research in Microfinance (CERMi), Université Libre de Bruxelles, Belgium
Department of Curriculum and Instructional Studies, School of Teacher Education, College of Education
University Malaysia Pahang, Malaysia; School of Business, INTI International College Subang, Malaysi
Research Department, Federal Reserve Bank of Boston, United States; International Finance and Financi
School of Economics and Management, Tsinghua University, Beijing, 100084, China; PBC School of Fin
Loughborough university, United States; University of western sydney, Australia
Department of Business Management, Turfloop Campus, University of Limpopo, Limpopo Province, S
Department of Social Studies Education, Inha University, Yonghyeon-dong, Nam-gu, Incheon, 402-751
York University, Canada; Human Development and Family Studies, Iowa State University, United Stat
Department of Economics, University of Waikato, Private Bag 3105, Hamilton, 3240, New Zealand; Nat
Bloustein School of Planning and Public Policy, Rutgers, The State University of New Jersey, New Brun
University of Siegen, Germany

College of Family and Consumer Sciences, University of Georgia, 226 Hoke Smith Annex, Athens, GA
Smith School of Enterprise and the Environment, Oxford University, Hinshelwood Road, Oxford, OX1 3
Riga Technical University, 6 Kalnciema str., Riga, LV1048, Latvia
National Institute of Public Finance and Policy, New Delhi, India; Eklavya, Madhya Pradesh, India
Kadir Has University, Turkey; Bahcesehir University, Turkey
Department of Economics, Florida Atlantic University, United States; Department of Economics, Unive
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ISM University of Management and Economics, E. Ožeškienes g. 18, LT-44254 Kaunas, Lithuania; Internat
Department of Behavioral Sciences, Rush University Medical Center, Chicago, IL, United States; Rush
Pension Policy Center, United States; Stephen M. Ross School of Business, University of Michigan, Un
School of Professional Studies and Education, Griffith University, Gold Coast, 4222, Australia; Griffith
Department of International Business, National Taipei College of Business, No. 321, Sec. 1, Jinan Rd
Johannes Gutenberg-University Mainz, Jakob-Welder-Weg 9, Mainz, 55128, Germany; Open Universities
Instruction, and Academic Engagement, United States; Engagement Librarian, United States; Brent Nunn
Department of Business Administration, Hong Kong Shue Yan University, Braemar Hill Road, North-P
The Netherlands Authority for the Financial Markets (AFM), Amsterdam, Netherlands; Department of
Sookmyung Women's University, South Korea
Collin College, United States
Rotterdam School of Management, Erasmus University, 3000 DR Rotterdam, Netherlands; Católica-Lisbon
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Department of Accounting, Makerere University Business School, Kampala, Uganda; Business School
School of Risk and Actuarial Studies, University of New South Wales Sydney, NSW 2052, Australia; Ma
Max-Planck-Institute for Social Law and Social Policy, Munich and Netspar, Germany; Banque Centrale
Department of Economics and Statistics, University of Mauritius, Réduit, Mauritius
University of Aveiro, GOVCOPP, Portugal; University of Aveiro, CIDMA, Portugal
Mobile Experience Laboratory, Massachusetts Institute of Technology, E15-320, 20 Ames Street, Camb
George Washington School of Business, 2201 G Street, Washington, D.C. 20052, United States; Wharto
EMLyon Business School and CeRP, Collegio Carlo Alberto, Italy; University of Modena and Reggio Emili
San Diego State University, United States
George Washington University, United States; University of Pennsylvania, United States
Department of Engineering, East Carolina University, United States; Department of Industrial Enginee
Department of Human Development and Family Studies, University of Rhode Island, Kingston, RI, Unite
Santa Clara University, Department of Finance, Lucas Hall, 500 El Camino Real, Santa Clara, CA 9505
Department of Consumer Sciences, The University of Alabama, 312 Adams Hall, Box 870158, Tuscaloosa,
Lehrgebiet Geschichte und Gegenwart Alteuropas, Historisches Institut, Fern Universität, Universitä
Department of Business Studies, University of Roma Tre, Rome, Italy
Department of Economics, Faculty of Informatics and Management, University of Hradec Kralove, Hr
University of Economics in Bratislava, Faculty of Business Economics seated in Košice, Department of
UCLA Graduate School of Education and Information Studies, 1032b Moore Hall, Los Angeles, CA 900
UWA Business School, University of Western Australia, M250 35 Stirling Highway, Crawley, WA, 6009,
Political Economy, University of Sydney, Australia; School of Business, University of Sydney, Australia
Departamento de Psicología, Universidad de La Frontera, Av. Francisco Salazar 01145, Chile; Departa
University of Illinois at Urbana-Champaign and NBER, United States
Department of Management, Università Cattolica del Sacro Cuore, Largo Gemelli 1, Milan, 20123, Italy;
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University of Hradec Kralove, Faculty of Informatics and Management, Department of Economics, Hr
Tirana European University, Finance Department, Albania
World Bank, United States; BREAD, United Kingdom; CEPR, United Kingdom; CREAM, United Kingdom
Far Eastern Federal University, Sukhanova street, 8, 690950, Vladivostok, Russian Federation
Department of Finance, College of Business Administration, University of Central Florida, Orlando,
The World Bank, Washington D.C, United States
Department of Family, Consumer and Human Development, Utah State University, United States
Department of Child Development and Family Relations, East Carolina University, Greenville, NC, Un
Department of Accounting, Rhema University, Aba, Abia State, Nigeria; Department of Accounting, Fed
Greater New Orleans, Inc., United States; University of New Orleans, United States
Centre for Financial Research (CFR), University of Cologne, Germany; University of Mannheim, Ger
Family and Consumer Sciences Department, University of Hawaii at Manoa, Honolulu, HI, United Stat
Congressional Budget Office, Washington, DC 20515, United States; Wharton School, University of P
University of Zurich, Binzmühlestr. 14, Zurich, 8050, Switzerland
Graduate School of Management, University of California-Davis, One Shields Avenue, Davis Californ
Federal University of Pampa, Brazil; Federal University of Santa Maria, Avenida Roraima, 1000, prédi
Suffolk University, Boston, MA, United States; St. Xavier University, Chicago, IL, United States; Roosev
Kinesiology and Community Health, University of Illinois, Huff Hall, 1206 S. Fourth Street, Champaign
Deparment of Youth, Family, and Community Sciences, North Carolina State University, Raleigh, NC,
Department of Economics, North Carolina State University, Raleigh, NC 27695-8110, United States; C
UNED-National University of Distance Education, Department of Applied Economy, Paseo Senda del Rey
Central Michigan University, Mount Pleasant, MI, United States; Michigan State University, East Lansi
Institute of Insurance Economics, University of St. Gallen, Kirchlistrasse 2, St. Gallen 9010, Switze
Frank Porter Graham Child Development Institute, CB# 8185, University of North Carolina at Chapel Hi
Department of Estate Management, Faculty of Built Environment, University of Malaya, Kuala Lumpu
Management Department, Satya Wacana Christian University, Salatiga, Indonesia
Department of Economics, University of Delaware, 102 Alfred Lerner Hall, Newark, DE 19716, United
Department of Family Social Science, University of Minnesota, 290 McNeal Hall 1985 Buford Ave, St.
IBM, Italy; University Vita-Salute San Raffaele, Italy; Center of Adaptive Behavior and Cognition, M
Departments of Sociology, African American Studies, and Urban and Regional Planning, University of
Zeppelin University, Am Seemooser Horn 20, 88045 Friedrichshafen, Germany; Dresden University of
Department of Marketing, Escola de Administração de Empresas de São Paulo da Fundação Getulio Va
School of Accounting, Economics and Finance, University of KwaZulu-Natal Westville Campus, Private
RAND Corporation, United States; USC Dornsife Center for Economic and Social Research, United State
Universidad de La Frontera, Universidad Católica de Temuco, Chile
Department of Epidemiology and Biostatistics, University of California, San Francisco, CA, United Sta
Dept. of Biological and Biomedical Sciences, Aga khan University, Karachi, Pakistan; Institute of Dent
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University of Minnesota Extension, Mankato, United States; University of Minnesota Extension, Minneap
Parsons The New School for Design, 2 West 13th Street, New York, NY 10011, United States; Eugene L
School of Global Finance and Banking, Inha University, South Korea; School of Economics, Inha Univer
Universidad Rey Juan Carlos de Madrid, Spain
Stockton Center for Economic and Financial Literacy, Richard Stockton College of New Jersey, United
Undergraduate Medical Education, Wightman Berris Academy, Faculty of Medicine, University of Tor
Africana Studies Department, John Jay College, City University of New York, 524 West 59th Street, 9
University of Rome 'Tor Vergata', Rome, Italy; University of Georgia, Athens, GA, United States
Penn State University-Harrisburg, Middletown, PA, United States
University of Pretoria, Department of Business Management, South Africa
Columbia University, Graduate School of Business, 710 Uris Hall, 3022 Broadway, New York, NY 10027
College of Business Administration, University of Detroit Mercy, 4001 W. McNichols Road, Detroit, MI
Department of Internal Medicine, Rush Alzheimer's Disease Center, Rush University Medical Center, Ch
World Bank, United States; George Washington University, School of Business, United States; Universi
School of Library and Information Studies, University of Wisconsin, Madison, United States
Research Department, Bank of Italy, Via Nazionale, 91, Rome 00184, Italy
Department of Economics and Finance, Jon M. Huntsman School of Business, Utah State University, 35
TIAA-CREF, United States
School of Social Policy, University of Birmingham, United Kingdom
Oklahoma State University, Stillwater, OK, United States; Oklahoma State University, Tulsa, OK, Unite
Turku School of Economics, Finland; University of Tampere, Finland
University of Ljubljana, Slovenia
Department of Accounting, Finance and Economics, Griffith University, 170 Kessels Road, Nathan, QL
School of Criminology and Criminal Justice, Griffith University, Mt Gravatt, QLD 4122, Australia
Department of Personal Financial Planning, Texas Tech University, United States; Department of Pers
School for International Studies, Simon Fraser University, Vancouver, Canada
Department of Economics, College of Letters, Arts and Sciences, 257 Dwire Hall, 1420 Austin Bluffs
School of Business Administration, University of California, Riverside, United States; Center for Deci
University of Maryland College Park, United States
QUT Business School, Queensland University of Technology, GPO Box 2434, Brisbane, QLD 4001, Australia;
Case Western Reserve University, Weatherhead School of Management, 10900 Euclid Avenue, Cleveland
Wellspring, NGO, Peace Avenue, Ulaanbaatar 210648, Mongolia; Global Health Research Center of Centr
V.M. Patel Institute of Management, Ganpat University, Mehsana-Gozariya Highway, Mehsana, North
Rush Alzheimer's Disease Center and Department of Behavioral Sciences, Rush University Medical Cen
University of Georgia, United States

Bar Ilan University, Tel Aviv, Israel
School of Management and Marketing, Deakin University, Melbourne, Australia
University of Naples Federico II, CSEF, Italy; University Ca' Foscari of Venice, CSEF, Italy
The Pennsylvania State University, Harrisburg, 777 W. Harrisburg Pike, Middletown, PA 17057, United
Banque centrale du Luxembourg and Munich Center for the Economics of Aging, 2, boulevard Royal,
Product Design, Citrix Systems, United States; Department of Informatics, University of California, Irv
Research Department, Federal Reserve Bank of Atlanta, Atlanta, GA 30309, United States; Department
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Far Eastern Federal University, Vladivostok, Russian Federation
University College London, United Kingdom; Institute for Fiscal Studies, United Kingdom; University
International Development Studies, Menno Simons College, 210-520 Portage Ave, Winnipeg, MB R3C
University of South Dakota, Department of Social Work, 414 East Clark Street, Vermillion, SD 57069,
University of Nebraska-Lincoln, United States; St. Cloud State University (MN), United States
Max Stern Yezreel Valley College, Israel
Department of Applied Social Sciences, Hong Kong Polytechnic University, Hong Kong
Tilburg University Netherlands, Netherlands; Maastricht University Netherlands, Netherlands; Universi
Department of Economics, University of Chile, Chile
Federal Reserve Board, United States; John Glenn School of Public Affairs, The Ohio State University,
Smith School of Enterprise and the Environment, University of Oxford, Hinshelwood Road, Oxford OX1
Finance and Private Sector Development Team of the Development Research Group, The World Bank,
Communication, AUT University, Auckland, New Zealand; Marketing, AUT University, Auckland, New
De Nederlandsche Bank, PO Box 98, 1000 AB, Amsterdam, Netherlands; University of Groningen, Facu
School of Social Work, Texas A and M University at Commerce, PO Box 3011, Commerce, TX 75429-30
Department of Accounting, Yazd Branch, Islamic Azad University, Yazd, Iran; Department of Manageme
Tomas Bata University in Zlín, Department of Finance and Accounting, T.G. Masaryk Square 5555, 760 0
Centre for Banking and Finance (Cefin) at The Royal Institute of Technology, Stockholm, Sweden
Department of Economics and Institutions, University of Rome Tor Vergata, Rome, 00133, Italy; Dep
School of Economics, University of Queensland, St Lucia, Brisbane, Australia; Department of Accounti

Faculty of Law (Ahmad Ibrahim Kulliyyah of Laws), International Islamic University Malaysia, Jln Go
Department of Economics and Business Studies, Università degli Studi del Piemonte Orientale A. Avog
University of Malaya, Kuala Lumpur, Malaysia; Transformation Management Office, Am Assurance Be
Population Council, New Delhi, India
Faculty of Business and Accountancy, University of Malaya, 50603 Lembah Pantai Kuala Lumpur, Malay
Centre for Banking and Finance, School of Architecture and the Built Environment, Royal Institute o
University of Minnesota Extension, Minneapolis, MN, United States; University of Minnesota Extensi
TIAA-CREF, United States
University of California Cooperative Extension, San Diego, CA, United States
School of Business, University of Alberta, Edmonton, Canada; Schulich School of Business, York Unive
School of Information, University of California, Berkeley, United States; Enabling Computing Technolo
School of Education, Iowa State University, N131 Lagomarcino Hall, Ames, IA 50011, United States
Department of Information Science, University of South Africa, Pretoria, South Africa; College of Hum
Middlesex University Business School, London, United Kingdom
Northeastern University, Upstate, NY, United States; Siena College, Upstate, NY, United States; Lehig
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University of Minnesota Extension, Family Resource Management Regional, Cloquet, MN, United States;
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Department of Economics, University of Waikato, Hamilton, New Zealand; Faculty of Education, Univer
Center on Violence Against Women and Children, School of Social Work, Rutgers University, 536 Geor
College of Education, Niagara University, Toronto, Canada
Department of Economics, Brown University, Providence, RI 02912, United States; National Bureau
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Washington University, St. Louis, United States
School of Criminology and Criminal Justice, Griffith University, Mt Gravatt, QLD 4122, Australia; Scho
Research Institute for Labour and Social Affairs, Jostova 10 (Room 3.18), Brno, 60200, Czech Republic
Ekonomická univerzita v Bratislave, Slovakia
Griffith Business School, Griffith University, Logan Campus, Brisbane 4131, Australia; Griffith Universit
University of Turin, Department of Economics, Via Po 53, 10124 Torino (TO), Italy
Universiti Putra Malaysia, Malaysia; Ministry of Science, Research and Technology, Tehran, Iran; Inst
Iome Challenge, United States
California State University, Bakersfield, Bakersfield, CA, United States
VŠB Technical University of Ostrava, Ostrava-Poruba, Czech Republic; Institut EUROSCHOLA, Trinec,
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Einaudi Institute for Economics and Finance, Via Sallustiana 62, 00187 Rome, Italy; Department of
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Universidad Rey Juan Carlos de Madrid, Spain
Dept. of Legal Studies and Taxation, Pace University, United States
Family Social Science Department, University of Minnesota, 290 McNeal Hall, St. Paul, MN 55108, Uni
Department of Economics, Finance, and Tax, School of Business Administration, Widener University,
University of California, Irvine (UCI), United States; Irvine Valley College, United States
58WNorth Blvd, Chicago, IL 60610, United States; Department of Marketing and International Business,
Department of Resource Management and Consumer Studies, Faculty of Human Ecology, University P
Department of Curriculum and Teaching, University of Kansas, United States; Department of Curriculu
College of Education, Niagara University, Toronto, Canada
Department of Education, York University, Toronto, Canada
University of Milano-Bicocca, via B. degli Arcimboldi 8, Italy
School of Management, SASTRA University, Thanjavur, India; SASTRA University, Thanjavur, India
Old Dominion University, United States
Schumpeter School of Business and Economics, University of Wuppertal, Gaußstraße 20, 42119 Wup
School of Accounting, Faculty of Economics and Management, Universiti Kebangsaan Malaysia, 43600
Brown School of Social Work, Center for Social Development, Washington University, St. Louis, Unite
Inter-American Dialogue, Washington, DC, United States
Juniata College, Huntingdon, PA, United States; University of Arkansas, Fayetteville, United States
Centre for Banking and Finance, KTH - The Royal Institute of Technology, Brinellv. 1, 100 44 Stockho
Estonian Academy of Music and Theatre, Tallinn, Estonia
Finance and Control, Indian Institute of Management Bangalore, Bannerghatta Road, Bangalore, India;
Jaypee University of Information Technology, Waknaghat, Solan, 173234, India
RMIT University, Melbourne, VIC, Australia
Ministry of Finance, Stockholm, SE-103 33, Sweden; Swedish Institute for Social Research, Stockhol
Department of Teacher Education, University of Texas at El Paso, El Paso, TX 79968, United States;
Furman University, United States
Rush Alzheimer's Disease Center, Rush University Medical Center, 600 S. Paulina Street, Chicago, IL
School of Economics and Finance, Victoria University of Wellington, New Zealand; Economics, Univer
Department of Economics and Department of Management, Innovation and Entrepreneurship, North Caro
School of Law, University of Texas at Austin, Austin, TX 78705, United States
Bozuyuk Vocational School, Bilecik University, Bozuyuk, Turkey; Faculty of Economics and Administrati
Department of Personal Financial Planning, Texas Tech University, Lubbock, TX, United States
Indira Gandhi Institute of Development Research, Goregaon (E), Mumbai, 400065, India
Rheinische Friedrich-Wilhelms-Universität, Bonn, Germany
US Social Security Administration, United States; Vector Psychometric Group, United States
Department of Accounting, Finance and Economics, Griffith Business School, Griffith University, Nath
Tilburg University, Tilburg, Netherlands
Finance and General Business Department, Missouri State University, Springfield, MO, United States
School of Behavioral Sciences and Education, The Pennsylvania State University, Harrisburg, PA, Unit
Department of Personal Financial Planning, Texas Tech University, Lubbock, TX, 79409, United States;
George Washington University, School of Business, Department of Marketing, Washington, DC, Unite
Institute of Household Science, Justus Liebig University Gießen, Gießen, Germany
Department of Consumer Science, Research Institute of Human Ecology, Seoul National University, S
Federal Economic Policy, Brookings Institution, United States; Council of Economic Advisers, United S
University of Otago Wellington - Public Health, PO Box 7343 Mein St, Newtown, Wellington 6021, N
Dept. of Economics and Sociology, School of Arts and Sciences, University of Pennsylvania, 3718 Loc
Department of Economics, Dartmouth College, Hanover, NH 03755, United States; Department of Econ
University of Zagreb, Department of Information and Communication Sciences, Faculty of Humanities an
University of California, Los Angeles, United States; Duke University, United States
George Washington University School of Business, Washington, DC, United States
Tshwane University of Technology, Pretoria, South Africa; South African National Research Foundatio
Department of Public Administration, Florida International University, 11200 8th Street, PCA 350B, Mi
Vanderbilt Institute for Global Health, 2525 West End Ave., Nashville, TN 37203, United States; Dep
Rush Alzheimers Disease Center, Rush University Medical Center, Chicago, United States; Department
Health Economics and HIV/AIDS Research Division (HEARD), University of KwaZulu-Natal, Durban, 400
Silver School of Social Work, New York University, 1 Washington Square North, New York, NY 10003,
University of Nottingham, School of Economics, Nottingham NG7 2RD, United Kingdom
Technische Universität (TU) Berlin, Department of Psychology and Ergonomics, FR 2-6, Franklinstraß
School of Health and Social Care, Bournemouth University, R503, Royal London House, Christchurc
De Nederlandsche Bank, Netspar, Netherlands; The George Washington University School of Business,
University of Tennessee, 1015 Volunteer Boulevard, Knoxville, TN 37996-1000, United States
Department of Economics, University of North Carolina, Chapel Hill, United States
University of Minnesota, Department of Food Science and Nutrition 225 FScN, 1334 Eckles Ave., St.
Department of Social Studies Education, Gyeongin National University of Education, South Korea; Dep
Universite du Quebec a Montreal, Canada; RAND, United States; Pardee RAND Graduate School of Public
Australian School of Business, University of New South Wales, Sydney, NSW, Australia; Centre for the
Center on Violence Against Women and Children, Rutgers University, School of Social Work, 536 Geo
Erasmus University Rotterdam, Laboratorio di Economia Sperimentale, Fondazione Ca' Foscari, Dorsodu
University of Akron, Wayne College, United States; Ashland University Library, United States
School of Business, Economics and Law, Göteborg University, Göteborg, Sweden
Department of Resource Management and Consumer Studies, Faculty of Human Ecology, Universiti Put
WHL Graduate School of Business and Economics, Lahr, Germany; Institute for Social Sciences, Unive
Universidad de Santiago de Compostela, Spain
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Accounting Department, East Central University, 1100 E. 14th St., Ada, OK 74820, United States; De
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FX Strategy Research, Commerzbank AG, Frankfurt am Main, Germany; School of Actuarial Studies, Un
Department of Marketing, School of Business, Rutgers University, United States; Department of Marke
Department of Psychiatry, University of North Carolina-Chapel Hill School of Medicine, 2218 Nelson
Graduate School of International Development, Nagoya University, Nagoya, Japan; Department of Eco
Department of Engineering Education, Virginia Tech, United States
University of Hradec Králové, Rokitanského 62, Hradec Králové 50003, Czech Republic
University of Hradec Králové, Rokitanského 62, Hradec Králové 50003, Czech Republic
Department of Marketing, Smeal College of Business, Pennsylvania State University, United States; D
Indira Gandhi Institute of Development Research, India; Department of Business Administration, Harv
Iowa State University, 4380 Palmer Building, Suite 1323, Ames, IA 50011, United States; University
Financial Advice Reform Unit, Retail Investor Division of Markets Group, Department of Treasury, Aus
Department of Economics, California State University, Fullerton, United States; California State Univer
Duke University, United States
Harvard Business School, Harvard University, The World Bank, United States
Department of Hospitality, Tourism, and Family and Consumer Sciences, Georgia Southern University
Harvard Kennedy School of Government, 79 John F. Kennedy Street, Cambridge, MA 02138, United Stat
Utrecht Institute of Linguistics OTS, Utrecht University, Trans 10, 3512 JK Utrecht, Netherlands
Global Health Research Center of Central Asia and Social Intervention Group, Columbia University, N
Department of Communication, Bradley University, 1501 West Bradley Avenue, Peoria, IL 61625, United
University of North Carolina-Chapel Hill, PRRC, Durham VA Medical Center, Durham, NC, United State
Faculty of Geodesy, University of Zagreb, Zagreb, Croatia
Departamento de Gestión de Empresas Facultad de Ciencias Económicas y Empresariales, Universidad Rov
Department of Finance, Florida Atlantic University, 777 Glades Road, Boca Raton, FL 33431, United S
University of Wisconsin-Madison, United States; Center for Financial Security, University of Wisconsi
Center for Interdisciplinary Behavioral Finance Research, Mason School of Business, College of Willi
Research Department, Federal Reserve Bank of Chicago, United States; Department of Finance, Indian Sc
Economics Department, Yale University, United States; Pension Research Council, Wharton School of t
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Pension Research Council, Wharton School of the University of Pennsylvania, United States; Boettner
RAND, United States
Vanguard Center for Retirement Research, United States; Wharton School of the University of Pennsy
North Carolina State University, United States; Employee Benefit Research Institute, United States;
Marseille Center for Mediterranean Integration, France; Russia Trust Fund of the World Bank, Russia
The George Washington, University School of Business and Netspar, United States; The Wharton Schoo
Ministry of Finance, Sweden; The Swedish Institute for Social Research, Stockholm University, United
OECD, United States
Kyoto Sangyo University, Japan
The World Bank, United States; Essex Business School, University of Essex, United Kingdom
The George Washington, University School of Business and Netspar, United States; The Wharton Schoo
University of Torino, CeRP-Collegio Carlo Alberto, Italy; OECD, CeRP-Collegio Carlo Alberto, and Netsp
New Zealand Retirement Commissioner, United States; Retirement Commission, United States
Munich Center for the Economics of Aging (MEA), Max-Planck-Institute for Social Law and Social Poli
Mark O. Hatfield School of Government, College of Urban and Public Affairs, Portland State University
Universidad de Magallanes, Av. Bulnes 01855, Punta Arenas, Chile; Universidad de la Frontera, Mont
Lee Kuan Yew School of Public Policy, National University of Singapore, Singapore
University of Missouri-St. Louis, One University Boulevard, St. Louis, MO 63121, United States; Cent
Scalpel Research Ltd., 84 Brook Street, London W1K 5EH, United Kingdom; Trinity College, Universi
Dutch Central Bank, Netherlands; Netspar, Netherlands; Department of Economics, Dartmouth College
Economics and Research Division, De Nederlandsche Bank, P.O. Box 98, 1000 AB Amsterdam, Netherla
Nanyang Technological University, Singapore
Department of Resource Management and Consumer Studies, Faculty of Human Ecology, University Put
School of Education, Post-14 Research Group, University of Leeds, Leeds LS2 9JT, United Kingdom;
Emporia State University, Emporia, KS, United States
University of Nottingham Malaysia, Malaysia
Old Dominion University, Norfolk, VA 23529, United States
Department of Education, University of the West of England, Bristol, United Kingdom; Bristol Busines
University of Nebraska-Lincoln, United States
Department of Social and Decision Sciences and Department of Engineering and Public Policy, Carnegie
Mississippi State University, United States
College of Business, Iowa State University, 3214 Gerdin Business Building, Ames, IA 50011, United St
Chair for Civil Law, European and International Business Law, University of Munich Ludwigstr, 29
College of Agricultural and Life Sciences, University of Idaho, Twin Falls, ID, United States; College of
University of Western Sydney, Australia
University of Groningen, Tinbergen Institute and Netspar, Netherlands; Dutch Central Bank and Netsp
Znanstvena savjetnica, Ekonomski institut, Zagreb, Croatia
Walden University, TX, United States; Colorado State University-GC, Colorado, United States; Virginia I
Iqra University, Islamabad Campus, Pakistan; Quaid-i-Azam University, Islamabad, Pakistan
Trulaske College of Business, University of Missouri, United States
Department of Housing and Consumer Economics, University of Georgia, 205 Dawson Hall, Athens, G
Illinois State University, United States; The University of Memphis, United States
Dept. of Health and Human Development, Herrick Hall, Montana State University, Bozeman, MT 59717,
College of Education, University of Kentucky, 343 Dickey Hal, Lexington, KY, 40506, United States; S
University of La Verne, United States
University of Houston, Clear Lake, United States
Drury University, United States; University of Kansas, United States; University of Wisconsin, Oshkosh
Union College, Economics, 807 Union St, Schenectady, United States; Greenwich Associates, 6 High R
Missouri State University, United States
National Institute of Education, 1 Nanyang Walk, Singapore 637616, Singapore
School of Accounting, Finance and Economics, Edith Cowan University, Australia; School of Psychology
RMIT University, Melbourne, VIC, Australia; UNESCO-UNEVOC International Centre, Bonn, Germany
University of Naples Federico II, CSEF, CEPR, Italy
Institute for Fiscal Studies, University College London, United Kingdom
Faculty of Economics and Business, Santiago de Compostela, Spain
CPA, LMSW, Department of Social Work, University of South Dakota, 1400 W. 22nd Street, Sioux Falls
Duke University: The Fuqua School of Business, 1 Towerview Drive, Durham, NC 27708, United States
Department of Child Development and Family Relations, East Carolina University, Rivers RW 335, Gre
North Carolina State University, United States; Employee Benefit Research Institute, TIAA-CREF Insti
Graduate School of Asia-Pacific Studies, Waseda University, Japan; Department of Human Communica
North Carolina State University, United States; Employee Benefit Research Institute, TIAA-CREF Instit
Ernst and Young, LLP, United States
Menno Simons College, 210-520 Portage Ave., Winnipeg, Manitoba, R3G 0G2, Canada
University of Bonn, Utrecht University, Netherlands; University of Bamberg, Germany
School of Business and Economics, Lynchburg College, Lynchburg, VA, United States; College of Busine
Department of Accounting and Finance, Monash University, Australia and School of Accountancy, Univ
Personal Financial Planning, Texas Tech University, United States
Department of Housing and Consumer Economics, University of Georgia, United States
Knowledgeware Systems, Inc, 2525 Mill Race Road, Frederick, MD, 21701, United States
University of Torino, Italy
Knowledgeware Systems, Inc., 2525 Mill Race Road, Frederick, MD 21701, United States
Dartmouth College, United States; Department of Insurance and Risk Management, Wharton School, Un
Department of Resource Management and Consumer Studies, University Putra Malaysia, Malaysia; Kansa
School of Journalism and Mass Communication, University of North Carolina, Chapel Hill, United Stat
Department of Accounting, Louisiana State University, 3101 Patrick Taylor Hall, Baton Rouge, LA 708
Department of Social and Decision Sciences, Department of Engineering and Public Policy, Carnegie Me
Department of Family Social Science, University of Minnesota, 287 McNeal Hall, 1985 Buford Avenue,
University of California, Riverside, United States; University of California Cooperative Extension, Sa
University of Minnesota, 1985 Buford Avenue, 290 McNeal Hall, St. Paul, MN 55108, United States
Operation HOPE, United States
CISEP, ISEG, Technical University of Lisbon, Rua Miguel Lupi 20, 1200-725 Lisboa, Portugal; CMVM, P
DTAG Inc., 2300 Airport Blvd., San Jose, CA 95110, United States
Department of Politics and International Studies, University of Warwick, Social Studies Building, Co
Victoria University of Wellington, New Zealand
Yale University, National Bureau of Economic Research, United States; Harvard University, National
Department of Economics and Finance, Monmouth University, 400 Cedar Ave., West Long Branch, NJ
Department of Accounting and Auditing, University of Venda, Thohoyandou, South Africa
School of Social Work, University of South Florida St Petersburg, 140 7th Ave., South, St Petersburg,
Queensland University of Technology, Australia
d5=70f66972e0db2f75453af9f494420429
d5=b6793eb97de04157517ddae767e1602f
Faculty of Education, University of Hong Kong, Hong Kong SAR, China
d5=9106e93444fb934ca67ec5ac58da9bbe
Rutgers Cooperative Extension, Cook College Office Building, Rutgers University, New Brunswick, NJ,
Department of Educational Leadership and Policy Analysis, College of Education, University of Missouri
utlj.60.2.707&partnerID=40&md5=cdf8489d1016160684f8e7df52bc803b
Institute of Applied Social Studies, University of Birmingham, Birmingham, United Kingdom
Accounting Research Institute (ARI), Universiti Teknologi MARA, Menara SAAS, 40450 Shah Alam, Mal
Ohio State University, United States; University of North Carolina, Chapel Hill, United States; Univers
Department of Economics, University of Manitoba, Winnipeg, Man. R3T 5V5, Canada; International
Monash University, Australia

Saint Louis University School of Social Work, St. Louis, MO, United States
Department of Economics, California State University, Fullerton, CA, United States

Department of Accounting, Finance and Economics, College of Business Administration, University o
Independent Researcher, Beirut, Lebanon; Independent Researcher, Toronto, Canada
Department of Accounting, Finance and Economics, Griffith University, Brisbane, Australia

Police Social Work Services, SAPS, Mossel Bay, South Africa; Social Work Division, School for Psycho
Center for Research on Pensions and Welfare Policies (CeRP), Collegio Carlo Alberto, Moncalieri, Turin,
Northern Kentucky University, Highland Heights, KY, United States
780470538395&partnerID=40&md5=96acd52e71d32fda2838c2f16271d44b
School of Geography, Oxford University, Centre for the Environment, United Kingdom
Oxford University, Centre for the Environment, United Kingdom; St Peter's College Oxford, United K
Department of Accounting and Finance, Kingston University London, Kingston Hill Campus, Surrey K
Faculty of Economics and Business, School of Accounting, Universiti Kebangsaan Malaysia, Bangi, Mal
Department of Politics and International Relations, Swansea University, James Callaghan Building,
Graduate School of Business, University of Technology, Sydney, Australia; University of Technology, S
University of Texas, United States; University of Wisconsin, United States; Department of Regulatory
Economic and Social Research Institute, Dublin, Ireland; Economic and Social Research Institute, Whit
Department of Curriculum and Instruction, University of Wisconsin-Madison, 225 North Mills Street,
The Hongkong and Shanghai Banking Corporation Limited, Mumbai, India
Department of Economics and Finance, La Trobe University, Kingsbury Drive, Bundoora, Vic. 3086, Aus
NBER; Department of Economics, Littauer Center, Harvard University, Cambridge, MA 02138, United
Graduate School of Business, Fordham University, 113 West 60th Street, New York, NY 10023, United
1839-4655.2009.tb00156.x&partnerID=40&md5=99df1c8e7467a497009f3d31e3fa0fc4
Cooperative State Research, Education, and Extension Service, USDA, 1400 Independence Ave, Washin
St. Cloud State University, United States; National Center for Research in Economic Education, United
Foster School of Business and Aspen Institute, University of Washington, Seattle WA 98195-3200, Unit
Hewitt Associates, United States
Department of Economics, California State University, Fresno, CA, United States
School of Human Ecology and Robert M, La Follette School of Public Affairs, 1305 Linden Drive, Madi
Networks Financial Institute at Indiana State University, 2902 N. Meridian St, Indianapolis, IN 46208,
Midwestern University, College of Pharmacy - Glendale, United States; University of Wisconsin - Ma
Eugene W. Stetson School of Business and Economics, Mercer University, Macon, GA, United States; A
London School of Economics and Political Science, United Kingdom
Deanery of Business and Computer Sciences, Liverpool Hope University, United Kingdom
d5=f00ce5bcb60a4910e50c1a831a9e4d8d
University of Houston, Clear Lake, United States
Department of Finance, State University of New York at Buffalo, University at Buffalo, Buffalo, NY 14
Henderson State University, United States; Salisbury University, United States
Department of Consumer Sciences, Ohio State University, Columbus, OH 43210, United States; Depa
School of Social Work, MGY 132, University of South Florida, 4202 E. Fowler Ave., Tampa, FL 33620, Uni
Deanery of Business and Computer Sciences, Liverpool Hope University
Lincoln Business School, University of Lincoln, Lincoln, United Kingdom
Loyola Law School, Los Angeles, United States
Department of Social Work, University of Stellenbosch, Stellenbosch, South Africa
Department of Finance, Bamberg University, Bamberg, Germany; Graduate School MSE Markets and
3552070802118149&partnerID=40&md5=bb119b2961df8a36d13dbb1e1c8ee2f5
em, A., Zibani, N., (2007), Population Council, New York; Bruce, J., Steps in building evidence-based programs for adolescents (2003); Bruce
1745-6606.2008.00101.x&partnerID=40&md5=3913d3263e133a35bba57255db4b4b9e
New School for Management and Urban Policy, New York, United States; University of Illinois, Depar
North Dakota State University, Fargo, ND, United States; Financial Resource Management, Rutgers C
School of Economics, Finance and Marketing, RMIT University, GPO Box 2476V, Melbourne, VIC 3001, A
Department of Accounting, Finance and Economics, Griffith University, Nathan, QLD 4111, Australia
Department of Economics, Dartmouth College, Hanover, NH 03755, United States; Department of Insu
University of Stellenbosch, Arts Building, Matieland 7602, South Africa
Department of Politics and International Relations, Swansea University, Swansea, United Kingdom
Texas State University, 601 University Drive, San Marcos, TX 78666, United States; Texas Tech Univer
Mississippi State University, United States
Department of Management Studies, The University of the West Indies, St. Augustine Trinidad and To
CRA International, 1201 F Street NW, Suite 700, Washington, DC 20004-1204, United States; Freddie
School of Mathematical and Physical Sciences, University of Newcastle, Ourimbah, NSW, Australia; S
Universidad Alberto Hurtado, Escuela de Psicología, Barroso 26, Santiago, Chile; Universidad de La Fro
Universität Mannheim, L 5, 2, 68131 Mannheim, Germany; CEPR, London, United Kingdom
d5=77dcdb47f8cea28da6aa8c66080a2e14
University of Glasgow, United Kingdom
ESRC Centre for Research on Socio Cultural Change (CRESC), Manchester Business School, Universit
Washington University, George Warren Brown School of Social Work, Washington, DC, United States; Sc
Kennedy School of Government, Harvard University, United States; Boettner Center on Pensions and
Boise State University, ID; Saint Louis University, MO; Redevelopment Opportunities for Women, St.
Boston University, School of Social Work, 264 Bay State Rd., Boston, MA 02215
Oklahoma State University, Stillwater, OK, United States
Consumer Sciences, Ohio State University, 265 Campbell Hall, 1787 Neil Avenue, Columbus, OH 43210
Kent Law School, Eliot College, University of Kent, Canterbury, Kent CT2 7NS, United Kingdom
Personal Finance Research Centre, University of Bristol, United Kingdom; Personal Finance and Social
Deanery of Business and Computer Sciences, Liverpool Hope University
University of Chicago, United States; William E. Wecker Associates, Inc., United States
Department of Economics, Dartmouth University, Hanover, NH 03755, United States; Wharton School,
Division of Consumer and Community Affairs, Federal Reserve Board, United States; Department of C
Department of Economics, Dartmouth College, 328 Rockefeller Hall, Hanover, NH 03755, United States
Department of Economics, Towson University, 8000 York Rd., Towson, MD 21252-0001, United States; D
Keck Graduate Institute of Applied Life Science, United States
Universidad de La Frontera, Avenida Francisco Salazar 01145, Temuco, Chile; Universidad Alberto Hu
Engineering Management Program, University of Arizona, United States
World Bank; Financial Sector Department, World Bank; Pensions Investments Department, World Ba
Rawls College of Business, Texas Tech University, Box 42101, Lubbock, TX 79409-2101, United States
d5=19c451c40d920c222bb24184e5be8093
Department of Economics, Syracuse University, United States; Syracuse University Project Advance
Oxford Brookes University Business School, Wheatley, Oxford, OX33 1HX, United Kingdom
SUNY College, Buffalo, United States; University of Tennessee, Martin, United States; Niagara Unive
Vrije Universiteit Amsterdam, Amsterdam, Netherlands; Economics and Research Division, De Neder
Preferred Financial Strategies, LLC, Mooresville, NC, USA.
d5=22158e11b911e609223fb260e69279a1
Department of Applied Informatics, University of Macedonia, 156 Egnatia Street, 546 45 Thessaloniki
Entrepreneurship Department, Banking Institute of Higher Education, Riga, Latvia
Junior Achievement Worldwide
Center on Mental Health Services Research and Policy, Department of Psychiatry, University of Illinoi
Dell, United States
The University of North Carolina, Chapel Hill, NC 27599-3410, United States; MDC Inc., Chapel Hill, N
Department of Chemistry and Environmental Science, New Jersey Institute of Technology, Newark, U
d5=92d4f0b62bd05bbb8d3d557405e8827f
Arizona State University, United States; College of William and Mary, United States
238 Burnett Hall, Lincoln, NE 68588-0308, United States; University of Nebraska, Lincoln, NE, United
Tufts University, United States; Boston College, United States; Eliot-Pearson Department of Child De
University of Memphis, United States; University of Memphis, 419A Ball Hall, Memphis, TN 38152, Un
Sch. of Soc. Work/Applied Human Sci., University of Queensland, St. Lucia, QLD 4072, Australia
School of Social Welfare, University of Kansas, Twente Hall, 1545 Lilac Lane, Lawrence, KS 66044, Un
University of California, 139 Highlander Hall, Bldg. C, Riverside, CA 92521, United States; Californi
Department of Economics, Gardner Hall, University of North Carolina, CB 3305, Chapel Hill, NC 2759
789264012578-en&partnerID=40&md5=c2099b33e54d138711df0fd7d5c9b7a4
Baruch College, Psychology Dept, 55 Lexington Ave., Box B-8215, New York, NY 10010, 646-652-2878,
NCSL, Washington--D.C., United States
d5=60cb218013cc88a01dad8cdddb499772
Department of Consumer Sciences, Ohio State University, Columbus, OH, United States; Department o
Iowa State University, Ames, IA, United States; University of Missouri, Ironton, MO, United States
Department of Community Development and Applied Economics, University of Vermont, Morrill Hall Burl
International Institute of Banking and Financial Services, Leeds University Business School, The Unive
Department of English, University of North Florida
JPMorgan Chase, United States
University of Central Florida, United States; Department of Management, University of Central Florid
University of Central Florida, United States; Department of Management, University of Central Florid
Hunter College, United States; Apartment 65, 300 West 106th Street, New York, NY 10025, United St
Texas Tech. University, Lubbock, TX, United States; Kansas State University, Manhattan, KS 66506, U
University of Washington, Seattle, United States
School of Accounting and Economics, Napier University, Sighthill Court, EH11 4BN, Edinburgh, Unit
School of Business and Information Management, Australian National University, Australia; School of
MicroSave, Kololo, Kampala, Uganda
Humboldt University of Berlin, Germany
Institute for Financial Services, Hamburg, Germany
Nottingham University Business School, Jubilee Campus, Nottingham, NG8 1BB, United Kingdom
d5=ee7b45ecb7bd804f2fe3756b79fa1f07
Univ. Illinois at Urbana-Champaign, Urbana, IL, United States
University of Kentucky, Lexington, KY, United States
James Madison University, United States
Federal Reserve Bank of Chicago, 230 South LaSalle Street, Chicago, IL 60604, United States
The Williamson College of Business Administration, Youngstown State University, Youngstown, OH 445
Carlson School of Management, University of Minnesota, Minneapolis, MN 55455, United States; Risk Ma
Department of Policy Analysis and Management, Cornell University, Ithaca, NY, United States; Depart
Stevens Institute of Technology, United States; Department of Engineering Management, Stevens Inst
University of Warwick, United Kingdom
606 S. Western Ave., Champaign, IL 61821, United States
Family Social Studies Department, College of Human Ecology, University of Minnesota, 1985 Buford A
Department of Economics, Indiana University, Purdue University, Indianapolis, IN, United States; 1603
Dept Geog, Univ of Bristol, Bristol BS8 1SS, United Kingdom
Indiana University, Kokomo, IN, United States
University of Exeter, United Kingdom
Dept. of Agric. and Rsrc. Economics, United States; Giannini Found. of Agric. Economics, University of
U. S. Army, United States; Ohio University, United States
5=487362516eaacd72e351465a7d84a826
Carlson School of Management, University of Minnesota, Minneapolis, MN, 55455, United States; Offi
Cardiff Business School, United Kingdom
Gillian L.S. Hilton directs the CSV Nat West Financial Literacy Project, based at Middlesex University
Nebraska Wesleyan University, United States; Center for Economic Education at the University of Wi
University of Sussex, United Kingdom
Lehman College, The City University of New York, United States
Dearden Management Associates, The Old Post Office, Church Road, Redhill, Bristol BS18 7SG, Unit
Virginia Commonwealth University, United States
Virginia Polytechnic Institute, State University’s Center for Economic Education, United States
Institute of Education, London University, United Kingdom
Mississippi State University, United States; University of Baltimore, United States
University of Texas at Dallas, United States
Authors with affiliations
Sangeetha, R., Dept. of Management Studies, CHRIST (Deemed to be University, Hosur Road, Bengalur
Muehlbacher, S., Faculty of Psychology, University of Vienna, Vienna, Austria; Kirchler, E., Faculty of
Dang, H.D., Economics Faculty, Nong Lam University, Ho Chi Minh, Viet Nam; Dam, A.H.T., Nong Lam
Rashid, R.A., Islamic Business School, Universiti Utara Malaysia, Malaysia; Zainol, Z., Islamic Busine
Albaity, M., Department of Finance and Economics, University of Sharjah, Sharjah, United Arab Emir
Kriese, M., Department of Finance, University of Ghana, Accra, Ghana; Abor, J.Y., Department of Fina
Singla, H.K., School of General Management, National Institute of Construction Management and Res
Rahmawati, S.A.; Narmaditya, B.S.; Wibowo, A.; Wulandari, D.; Hardinto, P.; Prayitno, P.H.; Utomo, S.
Warmath, D.; Zimmerman, D.
Rudeloff, M., Chair of Economic Education, Eberhard Karls University of Tübingen, Melanchthonstr.
Aggarwal, M., Post Graduate Government College, Sector 11, Chandigarh, Punjab 160011, India
Lusardi, A., The George Washington University School of Business Global Financial Literacy Excellenc
Cucinelli, D.; Trivellato, P.; Zenga, M.
Kumari, D.A.T., Management in Management and Science University, Malaysia; Ferdous Azam, S.M.,
Meyll, T., Department of Financial Services, University of Giessen, Licher Strasse 74, Giessen, 3539
Jang, J., Migration Research and Training Centre, South Korea; Choi, S., Migration Research and Traini
Dogra, P., Institute of Business Management, GLA University, Mathura, Uttar Pradesh, India, Universi
Faulkner, J.-P., School of Architecture, Planning & Environmental Policy, University College Dublin, Ir
de Clercq, B., Department of Taxation, UNISA, Pretoria, South Africa
Cwynar, A., Institute of Public Administration, Business and Management, University of Economics an
Brydges, G., Department of Anesthesia, University of Texas MD Anderson Cancer Center, 1515 Holcombe
Förster, M., Faculty of Social Sciences, Economics, and Business Administration, Chair for Busines
Maman, D., Department of Sociology and Anthropology, Ben-Gurion University of the Negev, Israel; Ro
Henchoz, C., Département des Sciences Sociales, Unité de Sociologie, University of Fribourg, Bd de Pé
Nataliia, Z., Bohdan Khmelnytsky National University of Cherkasy, Ukraine; Victoriia, B., Bohdan Khm
O'Brien, E., Learning Enhancement and Academic Development (LEAD) Centre, Mary Immaculate Colleg
Resmi, S., Sekolah Tinggi Ilmu Manajemen YKPN, Indonesia; Pahlevi, R.W., Universitas Islam Indonesia,
Sawatzki, C., School of Arts and Education, Deakin University, 221 Burwood Highway, Burwood, VIC 3
Lavin, J.F.; Valle, M.A.; Magner, N.S.
Hoffmann, A.O.I.; McNair, S.J.
Fürstenau, B., Faculty of Business and Economics, Business Education and Management Training, T
Hunter, J., Institute of Education, Massey University, Albany Campus, Auckland, New Zealand; Sawatz
Weedige, S.S., School of Economics, Huazhong University of Science and Technology, Wuhan, 430074,
Ssewamala, F.M., Brown School at Washington University in St. Louis, St. Louis, United States; Sensoy
Mahmudi, A., Department of Mathematics Education, Faculty of Mathematics and Natural Science, Univ
Hsu, Y.-C., National Chiao Tung University, Taiwan; Nian, M.-W., National Chiao Tung University, Taiwa
Koti, K., Acharya Bangalore B-School, Andrahalli Main Road, Off Magadi Road, Bengaluru, Karnataka,
Okello Candiya Bongomin, G., Faculty of Graduate Studies and Research, Makerere University Busine
Ma’ruf, A.
Inchamnan, W., College of Creative Design Entertainment Technology, Dhurakij Pundit University,
Warren, A., School of Occupational Therapy, Social Work and Speech Pathology, Curtin University, Ben
Farida, L., Faculty of Economics and Business, University of Jember, Indonesia; Afandi, M.F., Raden And
Psenak, P., Comenius University, Department of Economy and Finance, Bratislava, Slovakia; Psenakova,
Kimiyagahlam, F., Institute of graduate study (IGS), SEGi University, 9 Jalan Teknologi, Taman Sains
Grigorian, D.A., Asia and Pacific Department, International Monetary Fund, Washington, DC, United
Dituri, P., Graduate School of Education, Fordham University, 113 W 60th St, New York, NY 10023, Uni
Kavita, Department of Commerce, Central University of Haryana, Mahendergarh, Haryana 123 031,
Cude, B.J., Department of Financial Planning, Housing and Consumer Economics, University of Georgia
Győri, Á., Institute for Sociology, Centre for Social Sciences, Hungarian Academy of Sciences, Hungary;
Barik, R., Discipline of Economics, School of Humanities and Social Science, Indian Institute of Techno
Hayo, B., Philipps-University Marburg, Germany; Neumeier, F., Philipps-University Marburg, Germany,
Stylianou, A.M., Rutgers University Behavioral Health Care, 151 Centennial Avenue, Piscataway, NJ 0
Prado, S.M.M., Ghent University, Faculty of Economics and Business Administration, EB22, Sint-Piete
Rondillas, F.I., Basic Education Department, Senior High School Discipline Coordinator, St. Michael's C
Ayhan, B., Department of Political Science and Public Administration, Middle East Technical Universit
Engelbrecht, L.K., Department of Social Work, Stellenbosch University, Saldanha, South Africa; Ornell
Kumar, S., School of Management, Presidency University, Bangalore, India; Shukla, G.P., School of
Sisharini, N.; Hardiani, S.; Ratnaningsih, C.S.
Clark, R.L., North Carolina State University and NBER, Poole College of Management, Box 7229, Ralei
Jiménez, I., Department of Social and Organizational Psychology, National Distance Education Universi
Heafner, T.L., University of North Carolina at Charlotte, Cato College of Education, 9201 University C
Sharofovich, O.S., Pedagogy Department, Bukhara State University, Uzbekistan; Zakiralievna, S.N., Bu
Henager, R., School of Business and Economics, Whitworth University, Weyerhaeuser Hall, 300 W. Ha
Dutta, S., Indian Institute of Management, Bangalore, India; Sarkar, A., Indian Statistical Institute, Kol
McCoy, M.A., Institute of Personal Financial Planning, Kansas State University, Manhattan, KS, United
Danila, N., Prince Sultan University, College of Business Administration, Riyadh, Saudi Arabia; Shahwa
Keyser, N., Department of Economics and Finance, University of the Free State, Bloemfontein, South
Kandpal, V., Department of General Management, School of Business and Department of Management
Santini, F.D.O., Universidade do Vale do Rio dos Sinos, São Leopoldo, Brazil; Ladeira, W.J., Univers
Nicolini, G., Department of Management and Law, University of Rome Tor Vergata, Rome, 00133, Ita
Jin, M., NYU Silver School of Social Work, United States; Yuan, Y., East China University of Science a
Lopus, J.S., California State University East Bay and Global Economic Education Alliance, United Stat
Krische, S.D., American University, United States
Agyei, S.K., Department of Finance, School of Business, University of Cape Coast, Cape Coast, Ghana
Kalwij, A.; Alessie, R.; Dinkova, M.; Schonewille, G.; van der Schors, A.; van der Werf, M.
Abad-Segura, E., Department of Economics and Business, University of Almeria, Almeria, 04120, Spai
Bavafa, H., Operations and Information Management at the Wisconsin School of Business, University of
Farías, P., Departamento de Administración, Facultad de Economía y Negocios, Universidad de Chile,
Kapitan, S.; Ross, S.M.; Silvera, D.H.
Hoffmann, G., Institute of Information Market Engineering (IISM), Karlsruhe Institute for Technolo
Shaik, G., K L Business School, Koneru Lakshmaiah Education Foundation, Vaddeswaram, AP, India; B
Harvey, M.
Chung, Y.; Park, Y.
Diepstraten, M., Tilburg University, Postbus 90153, Tilburg, 5000 LE, Netherlands, De Nederlandsc
Suar, P.K., National Head for STFC Ltd., India; Mishra, S., School of Management, KIIT University, Indi
Renuka, M., Department of Business Administration, Government Arts College, Tiruchy, 620 022, India
Li, R., School of Management and Economics, University of Electronic Science and Technology of Chin
Jayaraman, J.D., Department of Finance, School of Business, New Jersey City University, Jersey City, NJ, United States, Teacher
Ssewamala, F.M., Brown School, Washington University in St. Louis, Campus Box 1196 One Brookings Dri
Zhu, A.Y.F., Centre for Innovative Programmes for Adolescents and Families, Jockey Club Innovatio
Owusu-Manu, D.-G., Department of Building Technology, KNUST, Kumasi, Ghana; Asiedu, R.O., Departme
Sachitra, V., Department of Commerce, Faculty of Management Studies and Commerce, University of S
Kriese, M., Department of Finance, University of Ghana Business School, Accra, Ghana; Abor, J.Y., D
Kumar, K., Department of Business Administration, University of Lucknow, Lucknow, Uttar Pradesh, In
Yadav, N., Amity Business School, Amity University, Noida, India; Raman, T.V., Amity Business School,
Erin, O., Covenant University, Nigeria; Arumona, J., Bingham University, Nigeria; Onmonya, L., Inst
Pang, M.F., Faculty of Education, The University of Hong Kong, Hong Kong
Rakow, K.C., Loyola University Chicago, Quinlan School of Business, Chicago, IL, United States
Farrar, S., Faculty of Business, Plymouth University, Plymouth, United Kingdom; Moizer, J., Faculty
Njanike, K., Department of Banking and Finance, Bindura University of Science Education, Bindura,
Gill, A., Department of Economics, California State University at Fullerton, Fullerton, CA, United Sta
Nam, Y., School of Social Work, University at Buffalo, State University of New York, 685 Baldy Hall, B
Reiter, L., Pennsylvania State University, United States; Ford, B., Pennsylvania State University, Unite
Ady, S.U.; Hidayat, A.
Cornil, Y., Sauder School of Business, University of British Columbia, 2053 Main Mall, Vancouver, BC
Goda, G.S., Deputy Director and Senior Fellow, Stanford Institute for Economic Policy Research, St
Nadolny, L., School of Education, Iowa State University, United States; Nation, J., West Financial Advis
Sanjay, A., Department of Commerce & Management, KLEF (Deemed to be University) Campus: Green Fi
Bylander, M., Lewis & Clark College, Portland, OR, United States; Res, P., Independent researcher, Phn
Sai, X., Faculty of Education, University of Malaya, Malaysia; Kenayathulla, H.B., Faculty of Education
Royce, T.J., Department of Radiation Oncology, University of North Carolina at Chapel Hill School of M
Azma, N., Department of Accounting and Finance, Management and Science University, Shah Alam, M
Finau, G., School of Business, University of New South Wales Canberra at ADFAACT, Australia, Institu
Fan, F., School of Communication, Hong Kong Baptist University, Kowloon, Hong Kong; Chan, K., De
Kim, K.T., Department of Consumer Sciences, University of Alabama, Tuscaloosa, AL 35487, United Sta
Kuntze, R., College of Business, University of New Haven, West Haven, CT, United States; Wu, C., Soules
Riitsalu, L., Department of Marketing and Communication, Estonian Business School, Tallinn, Estonia; Mu
Bayuk, J., Department of Business Administration, University of Delaware, Newark, DE, United States;
Al-Bahrani, A., Department of Economics and Finance at Haile/US Bank College of Business, Northern
Balakrishna, S., Department of Information Technology, Government of Andhra Pradesh, India; Virma
Ćumurović, A.; Hyll, W.
Caplinska, A., Department of Sociology and Economy, Faculty of Social Sciences, Daugavpils University,
Entrepreneurship and Sustainability Center

Zou, J., School of Public Economics and Administration, Shanghai University of Finance and Economic
Shanmugha Priya, P., Happy Valley Business School, Coimbatore, India; Vishal Kumar, R., Happy Valle
Bannier, C., University of Giessen, Chair of Banking and Finance, Germany; Meyll, T., University of G
Rodrigues, L.F., Instituto Universitário de Lisboa (ISCTE-IUL), ISTAR-IUL, Lisboa, Portugal; Oliveira,
Shanti, S., KLUBS, KLEF, Guntur District, Vaddeswaram, Andhra Pradesh, India; Murty, A.V.N., KLUBS,
Preston, A.C., UWA Business School, The University of Western Australia, Crawley, WA, Australia; Wr
Roa, M.J.; Garrón, I.; Barboza, J.
Demakis, G.J., University of North Carolina at Charlotte, Charlotte, NC, United States; Szczepkowski, K
Beck, J.J., Education Department, Robert Morris University, Moon, PA 15108, United States; Garris,
Motika, M., University of California, Davis, United States
Bacha, S., Department of Finance and Accounting, University of Sousse, Rue khalifa karoui sahloul 4
Kusiluka, M.M., Ardhi University, PO Box 35176, Dar es Salaam, Tanzania; Chiwambo, D.M., Ardhi Uni
Purnomo, B.R., School of Business and Law, University of Agder, Kristiansand, Norway, Faculty of Ec
Karakurum-Ozdemir, K., The World Bank Group, Washington, DC, United States; Kokkizil, M., Departmen
Aydin, A.E., Istanbul Bilgi Universitesi, Istanbul, Turkey; Akben Selcuk, E., Kadir Has Universitesi, Ista
Bongini, P., Universita degli Studi di Milano-Bicocca, Milan, Italy; Cucinelli, D., University of Milano Bi
Ye, J., School of Management, Wuhan University of Technology, Wuhan, 430070, China; Kulathunga,
Chaiphat, C., School of Economics and Investment, Bangkok University, Bangkok, Thailand
Adetunji, O.M., Sustainable and Inclusive Digital Financial Services (SIDFS) Initiatives, Lagos Busin
Liu, C.-L., Graduate Institute of Educational Policy and Leadership, Tamkang University, No. 151, Yin
Menon, P., Department of Economics, Institute for Financial Management and Research, Chennai, In
Ružic, I., I. osnovna škola Cakovec, Croatia; Krnelic, L.Z., Osnovna škola Vežica, Rijeka, Croatia; Mota
Gorbachev, O., University of Delaware, United States; Luengo-Prado, M.J., Boston Federal Reserve, U
Damayanti, Department of Management, Sekolah Tinggi Ilmu Ekonomi YPPI Rembang, Indonesia
Bellini, D., Department of Business Administration, University of Verona, Verona, I-37129, Italy; Cre
Cordero, J.M., Departamento de Economía, Universidad de Extremadura, Badajoz, Spain; Pedraja, F.
Harnett, S., Borland Library, University of Florida, Jacksonville, FL, United States
Purohit, H., FMS-WISDOM, Banasthali Vidyapith, Bikaner, Rajasthan, India; Chutani, R., Banasthali Vid
Irawati, N., Department of Management, Faculty of Economic and Business, Universitas Sumatera Ut
Lin, X., Taylor Fry, Sydney, Australia; Bruhn, A., Research School of Finance, Actuarial Studies and Sta
Xue, R., Bond Business School, Bond University, Gold Coast, QLD, Australia; Gepp, A., Bond Business Sc
Eugster, M., Department of Accounting and Finance, The University of Auckland Business School, Au
Jennings, J.D., Department of Orthopaedic Surgery and Sports Medicine, Temple University Hospital, P
Bhuvana, M., Department of Business Administration, Vels Institute of Science, Technology and Advanc
Cueva, C., Fundamentos del Análisis Económico (FAE), Universidad de Alicante, Alicante, 03071, Spain;
Patni, I., Department of Business Administration of Manipal University, Jaipur, Rajasthan, India; Chou
Guliman, S.D.O., Mindanao State University, Iligan Institute of Technology, Philippines; Uy, A.O.O., De
Ashok, S., Department of Commerce and Management, Amrita School of Arts and Science, Kochi, Amri
Ghosh, S., Qatar Central Bank, Doha, Qatar
Carlander, A., Department of Psychology, University of Gothenburg, Göteborg, Sweden; Hauff, J.C.,
Montalto, C.P., Department of Human Sciences, The Ohio State University, 1787 Neil Avenue, Room 115
Li, Y., Department of Gerontology, John E. McCormack Graduate School of Policy and Global Studies,
Borg, E., Philosophy Department, Reading Centre for Cognition Research, University of Reading, Re
Gerrans, P., UWA Business School, The University of Western Australia, Crawley, WA, Australia; Hean
Björklund, M., Department of Humanities and Social Sciences Education, Stockholm University, Swed
Feng, X., School of Economics and Management, Southwest Jiaotong University, Chengdu, 610031, China
Stieger, S., Department of Geography and Geology and the School of Education of the Universität Salz
Blue, L.E., Indigenous Research and Engagement Unit, Queensland University of Technology, Kelvin G
Johnston-Rodriguez, S., Department of Special and Early Education, Northern Illinois University, DeKal
Khatutsky, G., Aging, Disability and Long-Term Care Program, RTI International, Waltham, MA, United
Mancebón, M.-J., Department of Applied Economics, Universidad de Zaragoza, Zaragoza, Spain; Ximén
Lamar, M., Rush Alzheimer's Disease Center, Chicago, Illinois 60612, United States, Department of Beha
Cwynar, A.; Cwynar, W.; Wais, K.
West, R., Social and Global Studies Centre (SGSC), RMIT University, Melbourne, VIC, Australia; Ramchar
McLean-Meyinsse, P.E., Department of Agricultural Sciences, Southern University and A&M College,
Han, L., School of Management Science and Engineering, Central University of Finance and Economics, B
Kullgren, J.T., The Center for Clinical Management Research, The Veterans Affairs Ann Arbor Healthcar
Nawaz, F., Department of Public Administration, University of Rajshahi, Rajshahi, Bangladesh

Potocki, T., Faculty of Economics, Department of Financial Markets and Public Finance, University
Ghadai, S.K., School of Management, Kalinga Institute of Industrial Technology, Deemed to be Univers
Ray, S., Department of Management, Amrita Vishwa Vidhyapeetham, Amritapuri, Kollam, Kerala, India
Ramalho, T.B., Universidade Presbiteriana Mackenzie, Sao Paulo, Brazil; Forte, D., Universidade Presb
Warder, M.F., Milwaukee School of Engineering, MSOE University, Milwaukee, WI, United States; Gott
Kumar, S., Department of Management Studies, Malaviya National Institute of Technology, Jaipur, Ind
Khan, M.T.I., Faculty of Business, Multimedia University, Melaka, Malaysia; Tan, S.-H., Faculty of M
Compen, B., Department of Training and Education Sciences, Faculty of Social Sciences, University
Ward, A.F., Department of Marketing, McCombs School of Business, University of Texas, 2110 Speedway
Shanti, S., KLUBS, KLEF, Guntur, Vaddeswaram, Andhra Pradesh, India; Murty, A., KLUBS, KLEF, Gunt
Poppler, L.H., Division of Plastic and Reconstructive Surgery, Washington University in St. Louis Scho
Muralidhar, A., AlphaEngine Global Investment Solutions LLC, Great Falls, VA, United States
Makhdieva, Y.M., Dagestan State University, Makhachkala, Russian Federation
Ben-Caleb, E., Department of Accounting and Finance, College of Business and Social Sciences, Landm
Ali, S.B., Florida International University, Miami, United States; Frank, H.A., Florida International Uni
Orhun, A.Y.; Palazzolo, M.
Kim, M., Institute of Indian Studies, Hankuk University of Foreign Studies, 702 Faculty Building II,
Ying, Q., Business School, Sichuan University, Chengdu, 610065, China; Hassan, H., Business School
Wang, G.N., Department of Human Sciences, College of Education and Human Ecology, The Ohio State
Xiao, J.J., Department of Human Development and Family Studies, University of Rhode Island, 2 Lower
Mergenova, G., Global Health Research Center of Central Asia, Almaty, Kazakhstan; El-Bassel, N., Gl
Baker, H.K., Department of Finance and Real Estate, Kogod School of Business, American University,
Raschke, C., Sam Houston State University and IZA, Huntsville, TX, United States
Kutin, J.J., Department of Economics, Finance and Marketing, RMIT University, Melbourne, Australia
Warder, M.F., Dept. Elect. Software Eng, Milwaukee School of Eng, Milwaukee, United States; Gottlie
Seotsanyana, M.E., Department of Language and Social Education, Faculty of Education, National Uni
De Marco, A.C., School of Social Work, Frank Porter Graham Child Development Institute, The Universit
Newall, P.W.S., University of Warwick, United Kingdom; Parker, K.N., University College London, Un
Coria, M.D., Centro de Excelencia en Psicología y del Consumo, Núcleo en Ciencias Sociales y Humani
Gavurova, B., Faculty of Management and Economics, Center for Applied Economic Research, Tomas Bata
Sabri, M.F., Universiti Putra Malaysia, Malaysia; Aw, E.C.-X., Universiti Putra Malaysia, Malaysia
Kalmi, P., University of Vaasa, Wolffintie 34, Vaasa, 65200, Finland; Ruuskanen, O.-P., University of
de Clercq, B., Department of Taxation, School for Accounting Sciences, University of South Africa, Sou
Bawre, S., Department of Management Studies, Indian Institute of Technology, Roorkee, Uttarakhand,
Thabet, O.B., Universiti Kuala Lumpur, business school, Malaysia; Ali, A.A.M.F., Universiti Putra Malay
Shimizutani, S., Nakasone Yasuhiro Peace Institute (NPI), Toranomon 30 Mori Building 6F, 3-2-2 Tor
Xu, S., School of Finance, Zhongnan University of Economics and Law, No.182, Nanhu Avenue, Wuhan,
Xue, R., Department of Applied Finance, Macquarie University, Sydney, NSW, Australia; Gepp, A., Bond
Cupák, A., Research Department, National Bank of Slovakia, Bratislava, Slovakia, LIS: Cross-National
Kumar, M., IILM Academy of Higher Learning, Gomtinagar, Lucknow, India; Mishra, R., Department
Mulyana, D., Economics Faculty, Siliwangi University, Indonesia; Soeaidy, M.S., Economics Faculty, Sili
Wagner, J., Department of Economics, Center for Economic Education, University of Nebraska at Oma
Nohong, M., Department of Management, Faculty of Economics and Business, Hasanuddin University,
Hartono, S.B., Management Doctoral Program (PDIM), Unissula, Semarang, Indonesia; State Islamic Un
Çera, G., Tomas Bata University in Zlin, Faculty of Management and Economics, Mostní 5139, Zlin, 760
Mudzingiri, C., Department of Economics and Finance, University of the Free State, Phuthaditjhaba,
Jayanthi, M., Department of Management Studies, Sathyabama University, Rajiv Gandhi Road, Chennai
Rudeloff, M., Eberhard Karls University of Tübingen, Germany; Brahm, T., Eberhard Karls University
Zhu, A.Y.F., Lingnan University, Tuen Mun, Hong Kong; Yu, C.W.M., The Education University of Hong
Fernández-Larragueta, S., Universidad de Almería, Spain; Almagro-Lominchar, J., Universidad de Almer
Fauziah, P., Department of Nonformal Education Universitas Negeri Yogyakarta, Indonesia; Sari, R.C.
Susanti, N., Widyatama University, Indonesia; Rahmayanti, R., Widyatama University, Indonesia; Pad
Xu, N., Research Institute of Economics and Management (RIEM), Southwestern University of Financ
Lee, H.W., University of PhoenixAZ, United States
Son, J., Department of Consumer Policy Research, Korea Consumer Agency, Eumsung-Gun, South Korea
Owusu, J., Faculty of Entrepreneurship and Business, Universiti Malaysia, Kelantan, Malaysia; Ismail,
ZHang, H., Guizhou University, Guiyang, China; Xiong, X., Huazhong Agricultural University, Wuhan, C
Oggero, N., Department of Economics, Mathematics and Statistics, University of Turin and CeRP, Colleg
Alafifi, A., University of Palestine, Gaza, Palestine; Hamdan, A., Ahlia University, Manama, Bahrain; A
Dudchyk, O., Department of State, Local and Corporate Finance, University of Customs and Finance, Uk
Ismanto, H., Universitas Islam Nahdltul, Ulama, Jepara, Indonesia; Muharam, H., Universitas Diponegor
Sole, M.A., City University of New York, Guttman Community College, United States
Hardin, C.; Towns, A.R.
Cordero, J.M., Universidad de Extremadura, Av. Elvas sn, Badajoz, 06006, Spain; Gil-Izquierdo, M.,
Li, J., School of Finance and International Business School, Zhejiang Gongshang University, Hangzhou
Cwynar, A., University of Economics and Innovation, Lublin, Poland; Cwynar, W., University of Econo
Lyons, A.C., Department of Agricultural and Consumer Economics, University of Illinois at Urbana-Cha
Halilovic, S., Intelligence Security Agency of Bosnia and Herzegovina, Mehmeda Spahe 16, Sarajevo, 71
de Clercq, B., Department of Taxation, University of South Africa, South Africa
Al Issa, H.-E., College of Business Administration, A’Sharqiyah University, Oman; Abdelsalam, M.K.,
Douissa, I.B., University of Sharjah, PO Box – 27272, United Arab Emirates
Sági, J., Faculty of Finance and Accounting, Department of Finance, Budapest Business School, Hungary
De Beckker, K., Leuven Economics of Education Research, Faculty of Economics and Business, KU Leu
Samanta, S., KIIT deemed to be University, Bhubaneswar, Odisha, India; Nanda, A.K., KISS Deemed to
Fornero, E., University of Torino and CeRP Collegio Carlo Alberto, Torino, Italy; Lo Prete, A., Universit
Ismail, R., Department of Economics, Universiti Pendidikan Sultan Idris, Tanjong Malim, Malaysia; H
Fessler, P., Economic Analysis and Research Department, Oesterreichische Nationalbank, Vienna, Aust
Deuflhard, F., Goethe University Frankfurt, Germany; Georgarakos, D., European Central Bank, Deuts
Goda, G.S., Stanford University, 366 Galvez Street, Stanford, CA 94305, United States; Levy, M.R.,
Kusairi, S., Universiti Malaysia Terengganu, Malaysia; Sanusi, N.A., Universiti Malaysia Terengganu,
Özen, E., University of Usak, Turkey; Ersoy, G., University of Usak, Turkey
Abdullah, N., Department of Resources Management and Consumer Studies, Faculty of Human Ecology,
Mohelska, H., University of Hradec Kralove, Faculty of Informatics and Management, Rokitanskeho 62
Meyll, T., Department of Financial Services, University of Gieβen, Germany; Pauls, T., House of Fina
Shelton, V.M., College of Social Work, Florida State University, University Center, 296 Champions Way,
Kim, K.T.; Lee, J.; Hanna, S.D.
Serna, K.L., Austin Community College, Austin, TX, United States; Eguiluz, L., Center for Professional E
Citradika, D.P., Universitas Kristen Satya Wacana, Indonesia; Atahau, A.D.R., Universitas Kristen Saty
Junoha, M.Z.B.H.J.M., School of Business Innovation and Technopreneurship, Universiti Malaysia Perlis
DeRusha, W., EdX, Cambridge, MA, United States; Hickey, T., Computer Science Department, Brandei
Belousova, T.A., Financial University under the Government of the Russian Federation, Moscow, Russi
Klapper, L., Development Research Group, The World Bank, Washington, DC, United States; Lusardi, A.
Arthur, C., Toronto District School Board, Canada
Nikitina, T.V., Department of Banks, International Centre for Financial Markets Research, Saint Pet
Samsuri, A., Faculty of Economics and Business, Airlangga University, Surabaya, Indonesia; Ismiyanti,
Blue, L.E., Indigenous Research and Engagement Unit, Queensland University of Technology, Brisbane, A
Tseng, C.C., Dayeh University, Changhua, 51591, Taiwan; Kou, T.N., Dayeh University, Changhua, 515
Chambers, R.G., Department of Economics, Michigan State University, 202 Old Botany, East Lansing, MI
Alattar, L., Social Security Administration (SSA), United States; Messel, M., Social Security Administra
Sakyi, D., Department of Economics, Kwame Nkrumah University of Science and Technology (KNUST)
Solmon, L.C., Milken Institute for Job and Capital Formation, Los Angeles, United States
Lay, A., Department of Clinical, Educational, and Health Psychology, University College London, Uni
Chumarina, G.R., Kazan Federal University, Institute of Management, Economics and Finance, Russian
Albastiki, N., Ministry of Education, Manama, Bahrain; Hamdan, A., Ahlia University, Manama, Bahrai
Carpena, F., Norwegian Institute of International Affairs, Oslo, 0164, Norway; Cole, S., Harvard Busi
Shi, X., Business School, Manchester Metropolitan University, All Saints Campus, Manchester, M15 6
Iterbeke, K., Leuven Economics of Education Research, KU Leuven, Naamsestraat 69, Leuven, 3000, B
Torres-Santomé, J., Department of Pedagogy, Curriculum and Instruction, University of A Coruña, Spa
Sabir, S.A., School of Economics, Finance and Banking, Universiti Utara Malaysia, Malaysia; Mohammad
Happ, R., Department of Business and Economics Education, Johannes Gutenberg University Mainz, Jakob-Welder‑Weg 9, Ma
McGarity, S.V., University of Tennessee, Knoxville, TN, United States; Okech, D.O., University of Georgi
Joshi, T., International Institute of Information Technology, Hyderabad, India; Gupta, S.S., Indrapras
Barbić, D., Department of Finance, University of Zagreb, Zagreb, Croatia; Lučić, A., Department of Mar
Prêtet, A., OECD Eurasia Division, Paris, France; Klang, T., OECD Eurasia Division, Paris, France
Willenbuecher, F., Center for Public Partnerships and Research, Achievement and Assessment Institute
Chotewattanakul, P., School of Business, University of New South WalesNSW, Australia; Sharpe, K., S
Bawre, S., Department of Management Studies, Indian Institute of Technology, Roorkee, Uttarakhand,
Martins, A., DEGEIT — Department of Economics, Management, Industrial Engineering and Tourism, Uni
Filipović, J., Faculty of Economics – University of Belgrade, Kamenička 6, Belgrade, 11000, Serbia; P
Dhawan, D., School of Business, Shri Mata Vaishno Devi University, India; Mehta, S.K., School of Busin
Saputra, K.D., Computer Science Department, School of Computer Science, Bina Nusantara University,
Asandimitra, N., Department of Management, Universitas Negeri Surabaya, Indonesia; Kautsar, A.,
Förster, M., Technical University of Munich (TUM), Germany; Happ, R., Johannes Gutenberg Univers
Németh, E., Budapest Metropolitan University, Hungary; Zsótér, B., Corvinus University of Budapest,
Kapasi, A., Rush Alzheimer's Disease Center, Rush University Medical Center, Jelke Building, 1750 W.
Brown, J.R., Iowa State University, Ivy College of Business, 2167 Union Dr., Ames, IA, 50011, USA,
Rostamkalaei, A., Telfer School of Management, University of Ottawa, Canada; Nitani, M., Telfer Sch
Bucciol, A., Department of Economics, University of Verona, Via Cantarane 24, Verona, 37129, Italy; Z
Ketterman, J., Jr., University of Maryland, College Park, MD, United States; Russell, M., University o
Extension Journal, Inc.

Jünger, M., Zeppelin University, Am Seemoser Horn 20, Friedrichshafen, D-88045, Germany; Mietzner
Ackermann, N., Universität Zürich, Switzerland; Siegfried, C., Goethe-Universität Frankfurt am Main
Jia, D., College of Business, Changzhou University, Changzhou, China; Li, R., School of Management,
Kaiser, T., University of Koblenz-Landau and German Institute for Economic Research (DIW Berlin),
Pavia, S., MAPFRE MSV Life, Malta; Grima, S., University of Malta, Malta
Shaker, I.E., Financial University Under the Government of the Russian Federation, Moscow, Russian
Jones, C., Trail Ridge Wealth Management, Fort Collins, CO 80520, United States; Fouty, J.R., Campus
Nguyen, H.T., Department of Social Practice, Unitec Institute of Technology, 5-7 Ratanui Street, He
Hazarika, B., National Institute of Public Finance and Policy (NIPFP), Autonomous Institute of Ministry
Téllez-León, I.E., Escuela Superior de Economía, Instituto Politécnico Nacional, Mexico; Venegas-Mart
Rajevska, O., Faculty of Business, Management and Economics, University of Latvia, Riga, 1586, Latvia
6 July 2019 through 9 July 2019

Amagir, A., Amsterdam University of Applied Sciences, Netherlands; Groot, W., Maastricht Universit
Potnis, D., University of Tennessee at Knoxville, Knoxville, TN 37996, United States; Gala, B., Centra
Oberrauch, L., University of Koblenz-Landau, Landau, 76829, Germany; Kaiser, T., University of Ko
Widyastuti, U., Faculty of Economics, Universitas Negeri Jakarta, Indonesia, Padjadjaran University,
Frisancho, V., Inter-American Development Bank, Research Department, 1300 New York Ave. NW, Wa
Rubinstein-Levi, R., Guilford Glazer Faculty of Business and Management, Ben-Gurion University of t
Goi, M.T., Faculty of Business and Accounting, Infrastructure University Kuala Lumpur, Jalan Ikram-U
Barcellos, S.H., University of Southern California, Dana and David Dornsife College of Letters Arts
Davis, M.E., Department of Urban and Environmental Policy and Planning, Tufts University, 97 Talbo
L’Esperance, M., Department of Consumer Science, The University of Alabama, 316 Adams Hall, Tusca
De Beckker, K., KU Leuven, Belgium; Compen, B., University of Antwerp, Belgium, KU Leuven, Belgium
Ilies, R., National University of Singapore, Singapore; Yao, J., National University of Singapore, Sing
Rumler, F., Oesterreichische Nationalbank (OeNB), Economic Analysis Division, Otto Wagner Platz 3Vi
Filipek, K., Maria Curie-Skłodowska University (UMCS), Lublin, Poland; Cwynar, A., University of Eco
Phillips, S.D., School of Public Policy and Administration, Carleton University, Room 5213 Richcraft
Partha Sarath, S., Department of Business Administration, AITS-Rajampet (Autonomous), Rajampet, I
Nguyen, V.T., Investment Strategist, 1 North Wealth Services, LLC, Annapolis, MD, United States, D
Arkorful, V.E., School of Public Affairs, University of Science and Technology of China, Hefei, Chin
Moreno-García, E., UCC Business School, Universidad Cristóbal Colón, Mexico; García-Santillán, A., U
Aggarwal, N., Faculty of Management Studies, University of Delhi, India; Singh, H., Amity School of Bu
Tangtipongkul, K., Faculty of Economics, Thammasat University, Thailand; Khiev, V., Faculty of Econ
Ramlee, R., Kulliyyah of Economics and Management Sciences, International Islamic University Malay
Ipsen, C., University of Montana, Rural Institute for Inclusive Communities, 52 Corbin Hall, Missoula,
Munjishvili, T., Faculty of Economics and Business, I. Javakhishvili Tbilisi Sate University, Tbilisi, Georg
Liu, F., Model Development Capital Team, JPMorgan Chase & Co., Washington, DC, United States; Yilm
Chaudhury, S.K., Department of Business Administration, Berhampur University, Bhanja Vihar,, Beraha
Peixoto, P., Vila do Conde, Portugal
Hagos, M.M., KIIT University, School of Management, Odisha, India, Samara University, Accounting, an
Supardianto, Electrical Engineering and Information Technology Department, Universitas Gadjah Mada
Ipsen, C., University of Montana, Rural Institute for Inclusive Communities, 52 Corbin Hall, Missoula,
Loibl, C., Department of Human Sciences, The Ohio State University, Columbus, OH, United States, Cen
Bogoviz, A.V., Federal State Budgetary Scientific Institution “Federal Research Center of Agrarian
Ståhl, C., Department of Behaviour Sciences and Learning,, Linköping University, Linköping, Sweden
Miller, A.H., Higher Colleges of Technology, Fujairah, United Arab Emirates; Verma, S., Higher College
Grima, S., University of Malta, Malta; Pavia, S., MAPFRE MSV Life, Malta
Whitehouse, M., Zurich University of Applied Sciences, Switzerland
de Felice, G., Chief Economist Intesa Sanpaolo, Italy
Kadoya, Y., Graduate School of Economics, Nagoya University, Nagoya, Japan, School of Economics, H
Jayaraman, J.D., New Jersey City University, United States; Jambunathan, S., New Jersey City Universi
Lucey, T., School of Teaching and Learning-5330, College of Education, Illinois State University, Norma
Moreno-Herrero, D., University of Granada Business School ̶ Department of Applied Economics, Campu
Oseifuah, E., University of Venda, South Africa; Gyekye, A., University of Venda, South Africa; Forma
Gathergood, J., University of Nottingham, School of Economics and ESRC Network for Integrated Beha
Thomas, A., Indian Institute of Management, Kozhikode, India; Spataro, L., Public Economics, Dipartim
Sadikin, A., Economics and business Faculty, Lambung Mangkurat University, Indonesia; Hadi, A., E
Burnett, J., Willis Towers Watson, Sydney, Australia; Davis, K., Department of Finance, The Universi
Luca, D., Institute of Insurance Economics, University of St. Gallen, Tannenstrasse 19, St. Gallen, 900
Li, N., University of Colorado Denver Business School, 1475 Lawrence St, Denver, CO 80202, United
Happ, R., Department of Law, Business & Economics, Chair of Business and Economics Education, Joh
Riitsalu, L., Estonian Business School, Estonia, University of Tartu, Estonia
Caplan, M.A., University of Georgia, United States; Sherraden, M.S., Washington University, United Sta
Sawatzki, C., University of Canberra, Bruce, Australia, Monash University, Clayton, Australia; Goos, M.
Palací, F., National Distance Education University (UNED), Department of Social and Organizational P
Happ, R., Department of Law, Business & Economics, Chair of Business and Economics Education, Joh
Crawford, A., Department of Banking and Finance, Monash University, Caulfield Campus, Australia; L
Nikonova, Y., Siberian Transport University, Dusi Kovalchuk st., 191, Novosibirsk, 630049, Russian Fed
Hussain, J., Business School, Birmingham City University, Birmingham, United Kingdom; Salia, S., Bu
Shen, Y., Xi'An University of Technology, Accounting and Finance Department, Xi'an Shaanxi, 710054
Grohmann, A., German Institute for Economic Research (DIW Berlin), Berlin, 10117, Germany; Klühs,
Amran, N.A., Tunku PuteriIntan Safinaz School of Accountancy, Universiti Utara MalaysiaKedah 06010
Fatihudin, D., Department of Management, Faculty of Economics and Business, University of Muhamma
Quinn, C., Department of International Health, Social and Behavioral Interventions, Johns Hopkins Blo
Klepikova, T., Irkutsk National Research Technical University, Irkutsk, Russian Federation
Marston, G., School of Social Science, University of Queensland, Brisbane, Australia; Banks, M., Broth
Berzin, S.C., Boston College School of Social Work, Boston College, Chestnut Hill, MA, United States;
Bongomin, G.O.C., Makerere University Business School, Kampala, Uganda; Munene, J.C., Makerere Un
Aiba, D., JICA Research Institute, Japan; Odajima, K., JICA Research Institute, Japan; Khou, V., Nati
Clark, S., Department of Sociology, McGill University, Peterson Hall, 3460 McTavish, Montreal, QC
Fairfax, L.M., George Washington University Law School, Harvard, United States
Loomis, J.M., Department of Geography, University of Kentucky, 817 Patterson Office Tower, Lexingto
Bamforth, J., Swinburne University of Technology, Melbourne, Australia; Jebarajakirthy, C., Department
Shu, S.B., University of California, Los Angeles, United States; Shu, S.D., City, University of London,
Sawatzki, C., Faculty of Education, Monash University, 29 Ancora Imparo Way, Clayton, VIC 3800, Aust
Kalinina, I.V., Institute of Complex Analysis of Regional Problems, Far Eastern Branch, Russian Acad
Kodongo, O., Graduate School of Business Administration, University of the Witwatersrand, Parktow
Andriani, D., Departement of Industrial Engineering, Universitas Komputer Indonesia, Jl. Dipati Ukur
Hatammimi, J., Faculty of Economics and Business, Telkom University, Indonesia, Hull University Bus
Potrich, A.C.G., Department of Business Administration, Federal University of Santa Catarina, Florian
Yong, C.-C., Faculty of Economic and Administration, University Malaya, Kuala Lumpur, 50603, Malays
Pesando, L.M., Population Studies Center, University of Pennsylvania, Philadelphia, PA, United States
Lowies, B., School of Commerce, University of South Australia, Adelaide, Australia; Whait, R.B., Schoo
Kusiluka, M.M., Department of Land Management and Valuation, Ardhi University, Dar es Salaam, Tan
Hanson, T.A., Lacy School of Business, Butler University, 4600 Sunset Avenue, Indianapolis, IN 462
Peng, G., Business School, Central South University, 932 Lushan South Road, Changsha, 410083, China
Moreno-Herrero, D., University of Granada, Campus Cartuja, Granada, 18071, Spain; Salas-Velasco, M
Kadoya, Y., Department of Economics, Hiroshima University, 1-2-1, Kagamiyama, Higashi-Hiroshima,
Martínez A, C., Department of Economics, Pontificia Universidad Católica de Chile, Santiago, Chile; P
Steinert, J.I., Department of Social Policy and Intervention, University of Oxford, United Kingdom;
Bajo, E., University of Bologna, Department of Economics, piazza Scaravilli 2, Bologna, 40126, Italy;
Simkhada, N.R., Asian Development Bank, Kathmandu, Nepal
Chen, J., Guanghua School of Management, Peking University, 5 Yiheyuan Rd., Beijing, 100871, China;
Crowley, R.M., Department of Curriculum and Instruction, UK College of Education, Lexington, KY 405
Xiao, J.J., Department of Human Development and Family Studies, University of Rhode Island, Kingston
Mata, T., University College London, United Kingdom
Bharucha, J., H R College, University of Mumbai, Dinshaw Wacha Raod, Mumbai, 400020, India
Julion, W.A., College of Nursing, Rush University, Chicago, IL, United States; Sumo, J., College of Nurs
Kataike, J., Department of Agricultural Economics, Ghent University, Ghent, Belgium, Department of
Kiliyanni, A.L., School of Management Studies, National Institute of Technology Calicut, Kozhikode, Ke
Yanying, Z., Wuhan University of Science and Technology, Huangjiahu Campus, Wuhan, Hubei, China;
Setiawati, R., Universitas Padjadjaran, Indonesia, Jambi University, Indonesia; Nidar, S.R., Universita
Henning, M.B., Northern Illinois University, United States; Johnston-Rodriguez, S., Northern Illinois Un
Bannier, C.E., Justus-Liebig-University Giessen, Licher Str. 62, Giessen, 35394, Germany; Schwarz, M.,
Alderighi, S., World Federation of Exchanges, 125 Old Broad Street, London, EC2N 1AR, United King
Heinrich, P., Department of Informatics, University of Zurich, Binzmuehlestrasse 14, Zurich, 8050, Sw
Bird, R., Finance Discipline Group, UTS Business School, University of Technology Sydney, Broadway,
Santos, D.B., Federal University of Sao Paulo (UNIFESP), Osasco, SP, Brazil; Mendes-Da-Silva, W., Sao
Vieira, K.M., Department of Business Administration, Federal University of Santa Maria, Santa Maria, R
Mendes-Da-Silva, W., Sao Paulo School of Business Administration (FGV/EAESP), Sao Paulo, SP, Brazil,
Rastogi, S., Symbiosis Institute of Business Management, Symbiosis International University, Pune, I
Nedungadi, P.P., Center for Research in Analytics & Technology in Education, Amrita Vishwa Vidyapee
Mabula, J.B., Harbin Institute of Technology, 11, silling street, Harbin, 150001, China; Ping, H.D., Harb
Zachary Finney, R., Department of Marketing and Quantitative Methods, Department of Management, Uni
Bhutoria, A., Education, Darwin College, University of Cambridge, Cambridge, United Kingdom, John
Irawan, Y.S., Biomedical Engineering Research Group, Institut Teknologi Bandung, Bandung, Indonesi
West, T., Department of Accounting, Finance and Economics, Griffith University, Nathan, QLD 4111, A
Brent, D.A., Department of Agricultural Economics, Sociology and Education, The Pennsylvania State
Bucher-Koenen, T., Munich Center for the Economics of Aging at the Max-Planck-Institute for Social L
de Goeij, P., Department of Finance, Tilburg University, Warandelaan 2, Tilburg, 5037AB, Netherlan
Cupák, A., LIS Cross-National Data Center in Luxembourg, Esch-Belval, Luxembourg, National Bank of S
Arellano, A., Complutense University of Madrid, Spain, BBVA Research, United States; Cámara, N., BB
Baidoo, S.T., Department of Economics, Kwame Nkrumah University of Science and Technology, Kumasi,
Longobardi, S., Department of Quantitative and Business Studies, University of Naples “Parthenope”, V
Ottaviani, C., Neuroimaging Laboratory, Santa Lucia Foundation, Rome, Italy; Vandone, D., Departme
Bellofatto, A., Louvain Finance (IMMAQ), Louvain School of Management, Université catholique de
Oehler, A., Bamberg University, Department of Management, Business Administration and Economics,
Stolper, O., University of Marburg, Institute of Accounting and Finance, Am Plan 1, Marburg, 35032,
Calderone, M., University of Turin, Italy; Sadhu, S., NORC, University of Chicago, United States; Fiala,
Rajamohan, R.R., VIT Business School, VIT University, Vellore, Tamil Nadu, India; Sathish, P., VIT Busin
Carlin, B.I., Anderson School of Management, University of California, Los Angeles, Los Angeles, CA 9
Stewart, C.C., Department of Behavioral Sciences, Rush University Medical Center, Chicago, IL, Unite
Cookson, J.A., Leeds School of Business, University of Colorado at Boulder, Campus Box 419, Boulder,
Millimet, D.L., Southern Methodist University, IZA, United States; McDonough, I.K., University of Nev
Baglioni, A., Dipartimento di Economia e Finanza, Università Cattolica del Sacro Cuore, Largo Gemelli 1
Donleavy, G.D., University of New EnglandNSW 2351, Australia; Poli, P.M., Fairfield University, Unite
Topa, G., Department of Social and Organizational Psychology, UNED, Madrid, Spain; Segura, A., Dep
Gebrayel, E., Faculty of Business and Commercial Sciences, Holy Spirit University of Kaslik, Jounieh,
Hazudin, S.F., Faculty of Business Management, Universiti Teknologi MARA Cawangan Pahang, Jengk
Arthur, C.
Kim, K.T., Department of Consumer Sciences, University of Alabama, Tuscaloosa, AL, United States;
Ulstad, A.T., Integrated Systems Engineering Department, Ohio State University, United States; Mashay
Lahsasna, A., Malaysian Financial Planning Council, Kuala Lumpur, Malaysia
Sahadeo, C., University of the West Indies, St. Augustine Campus, St. Augustine, Trinidad and Tobago
Stewart, C.C., Department of Behavioral Sciences, Rush University Medical Center, 1645 W. Jackson, Ch
W. Jackson, United States; email: christopher_stewart@rush.edu

Cheng, Y.-F., Department of Business Administration, Cheng Shiu University, Kaohsiung, 833, Taiwan;
Skagerlund, K., Department of Behavioral Sciences and Learning, Linköping University, Linköping, S
Brown, M., University of St. Gallen, Switzerland; Henchoz, C., University of Fribourg, Switzerland; Spyc
Pathak, S.A., Symbiosis International University, India; Virani, S., Symbiosis International University, I
Bateman, H., School of Risk and Actuarial Studies, UNSW Australia, Australia; Eckert, C., Business Scho
Jain, D., Symbiosis International University (Deemed), India; Sharma, A., Symbiosis International Univ
Hatch, C.D., Lacy School of Business, Butler University, 4600 Sunset Avenue, Indianapolis, IN 4620
Angel, S., WU Vienna University of Economics and Business, Institute for Social Policy, Welthandelspl
Pillai, D., Symbiosis International University, India; Ravi Kumar, V.V., Symbiosis International Universit
Lahav, E., The School of Business Administration, the College of Management Academic Studies, Israel
Lewis, D.R., Ted Rogers School of Management, Ryerson University, Toronto, Canada, Mississauga,
Sekantsi, L.P., National Payment System Division, Department of Operations, Central Bank of Lesoth
Karakoç, M., Uşak University, Applied Sciences Academy Systems of Accounting and Information Depa
Bilici, N., Çankaya University, Ankara, Turkey; Akgül, B., Onsekiz Mart University, Çanakkale, Turkey;
Saeedi, A., North Branch (Management and Social Sciences Faculty), Islamic Azad University, Tehran, I
Niu, G., Research Institute of Economics and Management, Southwestern University of Finance and
Nejad, M.G., Fordham University, New York, NY, United States; Javid, K., USI Insurance Services, Whit
Salinas, C., Jr., Department of Educational Leadership and Research Methodology, Florida Atlantic Un
Pradeep, S., Noorul Islam Centre for Higher Education, India; Chandrachoodan Nair, B., ITM Business
Pak, T.-Y., Department of Consumer Sciences, University of Alabama, Tuscaloosa, AL 35487, United S
Lundgren, A.D., Division of Dermatology, University of Texas Dell Medical School, Austin, United Stat
Agnew, S., Department of Economics and Finance, University of Canterbury, Private Bag 4800, Christ
Islam, K.J., Department of Economics, Philosophy, and Political Science, University of British Colu
Feldman, G., Bob Shapell School of Social Work, Tel Aviv University, Tel Aviv, Israel
Huebner, J., ETH Zurich Zurich, Switzerland; Ilic, A., ETH Zurich Zurich, Switzerland
Mehra, A., Microsoft Research, Bangalore, India; Muralidhar, S., Aarhus University, Aarhus, Denmark; Sa
Hakim, M.S., Department of Business Management, Institut Teknologi Sepuluh Nopember, Kampus ITS,
Smith, T.E., College of Socil Work, Florida State University, Tallahassee, FL, United States; Williams, J
Grohmann, A., German Institute for Economic Research (DIW Berlin), Mohrenstr.11, Berlin, 10117,
Selvadurai, V., Faculty of Education, University of Malaya, Malaysia; Kenayathulla, H.B., Faculty of Edu
Amagir, A., Amsterdam University of Applied Sciences, Netherlands; Groot, W., Maastricht Universit
Lo Prete, A., Department of Economics and Statistics, University of Torino, Campus Luigi Einaudi, Lung
Kishan, K., Department of Accountancy, Faculty of Business and Accountancy, University of Malaya, M
Bianchi, M., Toulouse School of Economics, TSM, University of Toulouse Capitole, Toulouse, France
Happ, R., Johannes Gutenberg University Mainz, Germany; Förster, M., University of Bamberg, Germa
Nell, L., Utrecht University, Utrecht, Netherlands; Lentz, L., Utrecht University, Utrecht, Netherlands
Jathanna, P.N.R., Health Information Administration, Department of Health Information Management,
Steinert, J.I., Department of Social Policy and Intervention, University of Oxford, 32-37 Wellington
Safford, A., University of Nevada, Reno, United States; Sundali, J., University of Nevada, Reno, United
Mina, O.E.C., Departamento de Econom a, Universidad Autónoma Metropolitana Azcapotzalco, Chile
Gallo, G., Department of Economics ‘Marco Biagi’, University of Modena and Reggio Emilia, Via Jacop
Becchetti, L., Department of Economics and Finance, University of Rome Tor Vergata, Via Columbia 2,
Doehring, C., Iliff School of Theology, 2323 E. Iliff Ave., Denver, CO 80210, United States
Günther, M.K., Overseas Development Institute, London, United Kingdom; Ghosh, S., Qatar Central B
McCrimmon, T., Global Health Research Center of Central Asia, Almaty, Kazakhstan, Columbia Universit
Potrich, A.C.G., Graduation Program in Business Administration, Federal University of Santa Catarina,
Arrondel, L., CNRS-PSE, Paris, France
Hsiao, Y.-J., College of Management, Taipei Medical University, Taiwan; Tsai, W.-C., National Sun Yat
Zhao, F., School of Business, Siena College, Loudonville, NY 12211, United States; Sun, J., School o
Morris, J.H., Centre For Business in Society, Coventry University, Priory Street, Coventry, CV1 5FB, U
Hoffmann, A., University of Adelaide Business School, 10 Pulteney Street, Adelaide, SA 5005, Austral
Pikulina, E., Department of Finance, Sauder School of Business, University of British Columbia, 2053
Jiang, D., State University of New York, Stony Brook, United States, Southwest Jiaotong University, Chi
Tambunlertchai, K., Faculty of Economics, Chulalongkorn University, Phayathai Road, Bangkok, 10330
Darolia, R., University of Kentucky, United States; Harper, C., University of Missouri, United States
Pathak, P., Doon University, India; Pant, V., National Institute of Food Technology Entrepreneurshi
Oladeji, T.F., Department of Banking and Finance, Covenant University, Ota, Ogun State, Nigeria; Ik
Fan, L., University of Missouri, 239E, Stanley Hall, Columbia, MO 65211, United States; Chatterjee, S
Susanti, Universitas Negeri Surabaya, Faculty of Economics, Indonesia; Hardini, H.T., Universitas Neg
Buckland, J., Menno Simons College, Canadian Mennonite University, University of Winnipeg Affiliat
Berry, J., University of Delaware, Innovations for Poverty Action, Abdul Latif Jameel Poverty Action
Swedberg, R., Department of Sociology, Cornell University, 323 Uris Hall, Ithaca, NY 14853, United St
Burrus, B.B., Center for the Health of At-Risk Populations, RTI International, Research Triangle Park,
Damayanti, R., Islam Batik University, KH. Agus Salim No. 10, Surakarta, 57147, Indonesia, Universiti
Santos, D.B., Universidade Federal de São Paulo, Escola Paulista de Política, Economia e Negócios, S
Damayanti, S.M., School of Business and Management, Institut Teknologi Bandung, Jl. Ganesha No. 1
Agyei, S.K., Department of Finance, School of Business, University of Cape Coast, Cape Coast, Ghana
Pavković, A., Faculty of Economics and Business, University of Zagreb, J. F. Kennedy Square 6, Zagreb,
Wulandari, D., Department Development Economics, Faculty of Economics, Universitas Negeri Malang
Adam, A.M., Department of Finance, University of Cape Coast, Cape Coast, Ghana; Boadu, M.O., Direct
Carline Mary Desdemona, A., School of Education, Christ University, Hosur Road, Bangalore, Karnatak
Ahmed, Z., Faculty Management, Universiti Teknologi Malaysia, Johor, Malaysia; Ramakrishnan, S., Fac
Natoli, R., College of Business, Victoria University, Melbourne, Australia
Mabula, J.B., Department of Business Administration, Harbin Institute of Technology, Harbin, China;
Nanziri, E.L., Southern Africa Labour and Development Research Unit, School of Economics, Universi
Malinda, S., Padjadjaran University, Indonesia; Masyita, D., Economic Faculty, Sriwijaya University, I
Bourova, E., Melbourne Law School, The University of Melbourne, Australia; Anderson, M., Melbourne L
Garg, N., Haryana School of Business, Guru Jambheshwar University of Science and Technology, Hisar,
Fry, A., Parsons School of Design, New School, 2 West 13th Street, New York City, NY 10011, United
Mudzingiri, C., Department of Economics and Finance, University of the Free State Qwaqwa Campus, P
Hütten, M., Darmstadt Business School, Haardtring 100, Darmstadt, 64295, Germany; Maman, D., Ben-Gu
Vovchenko, N.G., Department of Finance, Rostov State University of Economics, Rostov-on-Don, Russia
Riitsalu, L., Estonian Business School, University of Tartu, Estonia; Murakas, R., University of Tartu, Ins
Suparno, State University of Jakarta, Indonesia; Saptono, A., State University of Jakarta, Indonesia
Bongini, P.; Iannello, P., Department of Psychology, Università Cattolica del Sacro Cuore, Largo Gemelli
Iramani, Department of Post-Graduate Program, Sekolah Tinggi Ilmu Ekonomi Perbanas Surabaya, Ja
Ergün, K., Balikesir University Research Department of International Relations, Balikesir, Turkey
Mokhtar, N., Faculty Of Human Ecology, UiTM, Malaysia; Sabri, M.F., Faculty Of Human Ecology, UiT
Hedvicakova, M., Faculty of Informatics and Management, University of Hradec Králové, Rokitanskeho
Sigova, M., International Banking Institute, Nevsky pr., 60, St. Petersburg, 191011, Russian Federation
Abed, L.J., University of Al Qadisiyah, Iraq
Hedvicakova, M., Faculty of Informatics and Management, University of Hradec Králové, Rokitanskeho
Solomon, G.E., University of Botswana, Gaborone, Botswana; Nhete, T., University of Botswana, Gab
Cossa, A.J., Universidade de Aveiro, GOVCOPP, Portugal; Madaleno, M., Universidade de Aveiro, GOV
Lucey, T.A., School of Teaching and Learning, Illinois State University, Normal, IL, United States; La
Eke, P.O., Department of Banking and Finance, Covenant University, Ota, Nigeria; Adetiloye, K.A., De
Mishra, R., Faculty, ICFAI Business School, Gurgaon, Haryana, India
Mabula, J.B., Department of Business Administration, Harbin Institute of Technology, Harbin, China;
Nanda, A.K., Department of Accounts and Finance, Kalinga Institute of Social Sciences, Bhubaneswar,
Kinyanjui, J., University of Zululand, Empangeni, South Africa; Ocholla, D., Department of Information
Barbić, D., Faculty of Economics and Business, University of Zagreb, Trg J.F. Kennedy 6, Zagreb, 10000,
Hudec, M., Faculty of Economic Informatics, University of Economics in Bratislava, Dolnozemská cesta 1
James, B.D., Rush Alzheimer's Disease Center, Rush University Medical Center, 1750 w. Harrison St., C
Susan, M., Maranatha Christian University, Indonesia
Xu, X., Department of Accounting and Finance, Lucas College and Graduate School of Business, San J
Elbogen, E.B., Durham VA Health Care System, Duke University School of Medicine, United States
Abebe, G., Ethiopian Development Research Institute, Addis Ababa, 2479, Ethiopia; Tekle, B., Ethiop
Sudakova, A., Ural Federal University, Russian Federation
Sawandi, N., Tunku Puteri Intan Safinaz School of Accountancy, Universiti Utara Malaysia, Sintok Ked
Ali, Z., Centre for Modern Languages and Human Sciences, Universiti Malaysia Pahang, Pekan, Pahan
Belle Isle, M., Department of Accounting, Finance and Economics, Griffith Business School, Griffith Uni
Bačová, V., Institute of Experimental Psychology, Center of Social and Psychological Sciences, Slovak
Jayanthi, M., Sathyabama University, Chennai, India; Rau, S.S., Sathyabama University, Chennai, India
Mielitz, K.K.S., Oklahoma State University, 233 Human Sciences, Stillwater, OK 74078, United States;
Wang, Q., Tongling University, Tongling, 244000, China; Hu, X.Y., Jinan University, Guangzhou, 51148
Stylianou, A.M., Research and Program Development, Safe Horizon, 2 Lafayette Street, 3rd Floor, New
Boehnke, M., Department of Radiology, University of Colorado Anschutz Medical Campus, Aurora, Colo
Huang, J., Saint Louis University, School of Social Work, United States; Sherraden, M.S., University of
Cwynar, W., University of Economics and Innovation, Lublin, Poland; Cwynar, A., University of Economi
Lewis, D., Ted Rogers School of Management, Ryerson University, Toronto, Canada
Henly, J., University of Chicago, School of Social Service Administration, United States; Jones, R., Uni
Shappell, E., Department of Medicine, Section of Emergency Medicine, University of Chicago, Chicago, IL, United States; Ahn, J
Ariffin, S.K., Graduate School of Business, Universiti Sains Malaysia, Malaysia; Richardson, C., Grad
Kagotho, N., College of Social Work, Ohio State University, 1947 College Road, 325-E Stillman Hall,
Yusuf, M.M., Faculty of Science and Technology, Universiti Sains Islam Malaysia (USIM), Bandar Baru N
Jung, D., Karlsruhe Institute of Technology, Fritz-Erler-Straße 23, Karlsruhe, 76133, Germany; Weinhar
Michael, A., Department of Agricultural Economics and Extension, Modibbo Adama University of Techn
Barua, R., School of International Studies, Jawaharlal Nehru University, New Delhi, 110067, India; K
Mata, M.E., Faculdade de Economia, Campus de Campolide, Lisboa, Portugal; da Costa, J.R., Instituto
Dong, G.N., Department of Health Policy & Management, Mailman School of Public Health, Columbia U
Choi, H.-S., Binghamton University, United States; Laschever, R.A., Compass Lexecon, United States
Alattar, L., Office of Retirement Policy, Office of Retirement and Disability Policy (ORDP), Social Secu
Silva, A.M., School of Economics and Management, University of Minho, Braga, Portugal; Silva, A., CEOS
Giesecke, M., RWI - Leibniz-Institute for Economic Research, Essen, Germany; Yang, G., University o
Kubak, M., Technical University of Košice, Faculty of Economics, Department of Regional Science and
Moss, S.A., Charles Darwin University, Australia; Ghafoori, E., Monash University, AustralianSuper, M
Simpson, W., Department of Economics, University of Manitoba, Winnipeg, MB, Canada; Islam, K., Dep
Terrana, S.E., Department of Social Welfare, Luskin School of Public Affairs, University of California,
Olasehinde, O., Department of Construction Management and Quantity Surveying, University of Joha
Huebner, J., ETH Zurich, Information Management, Zurich, Switzerland; Fuchs, K., ETH Zurich, Inform
Moučková, M., Department of Public Finance, Faculty of Finance and Accounting, University of Economi
McGregor, S.L.T., McGregor Consulting Group, Canada
Sanchez, C., Department of Psychology, Cornell University, United States; Dunning, D., Department of
Jalilvand, A., Quinlan School of Business, Loyola University Chicago, 16 East PearsonIL, United States
Oladeji Tolulope, F., Department of Banking and Finance, Covenant University, Ota, Ogun State, Nige
Raimi, L., School of Business and Entrepreneurship, American University of Nigeria, Yola, Adamawa, N
Koloba, H.A., University of the Free State, South Africa
Comber, S., Faculty of Management, Dalhousie University, Halifax, Canada; Crawford, K.C., School of P
Warsame, M.H., Department of Finance and Economics, University of Sharjah, Sharjah, United Arab Em
Godoy, M.P., Universidad de la Frontera (UFRO), Temuco, Chile; Sepúlveda, J., Universidad de la Fron
Douglas, E., Stirling Management School, University of Stirling, Stirling, United Kingdom; Rutherford, A.
Mahmood, S.S., Universal Health Coverage, Health Systems and Population Studies Division, icddr,b,
Passi, K., Department of Community Medicine, Sri Guru Ram Das Institute of Medical Sciences and Res
Bodle, K., Department of Accounting, Finance and Economics, Griffith University, Southport, Australia;
Pastushenko, E.N., Saratov State Academy of Law, Russian Federation; Zemtsova, L.N., Saratov Socio-
Asher, M., Lee Kuan Yew School of Public Policy, National University of Singapore, Singapore; Vora, Y.
Walton, A., University of Cape Town, Cape Town, South Africa; Johnston, K., University of Cape Town
Liao, L., PBC School of Finance, Tsinghua University, Beijing, China; Xiao, J.J., Department of Human
Yong, H.-N.A., Universiti Tunku Abdul Rahman, Malaysia; Tan, K.-L., Universiti Tunku Abdul Rahman,
Willis, L.E., Loyola Law School, Los Angeles, CA 90015, United States
Garcia, Z.A., Utah State University, Farmington, UT, United States; Francis, D., Utah State University,
Lam, L.T., Tung Wah College, Hong Kong, University of Technology Sydney, Faculty of Health, Australia
Lefrançois, D., Département des Sciences de l’Education, Université du Québec en Outaouais, 5 Sai
Young, J.H., Finance Department, Clark Atlanta University, 223 James P. Brawley Dr., NW, Atlanta, GA
Vikhrova, O., Lomonosov Moscow State University, Russian Federation
Supanantaroek, S., Department of Economics, Econometrics, and Finance, University of Groningen,
Prokhorova, A., European University at St Petersburg, Russian Federation
Hudson, C., Clark Atlanta University, 223 James P. Brawley Dr, Atlanta, GA 30314, United States; Youn
Samonte, M.J.C., Mapua University, Makati City, 1200, Philippines; Martin, L.N.O., Mapua University, M
Palaci, F., Department of Social and Organizational Psychology, Universidad Nacional de Educación a
Kim, M., BK 21 plus Research Group for Education and Research Program for World-Class Economists Le
Cuddeback, G.S., School of Social Work, University of North Carolina at Chapel Hill, Chapel Hill, NC, U
Metzger, C., Institute for Public Finance I, University of Freiburg, Freiburg im Breisgau, Germany
Anderson, A., Swedish House of Finance at the Stockholm School of Economics, Drottninggatan 98, Sto
Engström, P., NLA University College, Norway, Stockholm School of Economics, Sweden; McKelvie, A.,
Haiven, M., Lakehead University in NorthwestON, Canada
Shephard, D.D., Aflatoun International, Netherlands. Current: IS-CS Group, France; Kaneza, Y.V., INAT
Ribeiro, R.B., Centre for Administration and Public Policies (CAPP), Instituto Superior de Ciências Soci
Adamkovič, M., Institute of Psychology, Faculty of Arts, University of Prešov, Prešov, Slovakia; Martonč
Bharucha, J.P., H. R. College, Mumbai, India
Khoo, Y.Y., Sultan Idris Education University, Tanjung Malim, Malaysia; Fitzgerald, R., INSPIRE Centre,
Kaiser, T., University of Kiel, Germany, German Institute for Economic Research, DIW, Berlin, Germa
Yildiz, Y., Department of Business Administration, Hacettepe University, Beytepe, Çankaya, Ankara, 0
Berková, K., Department of Economic Teaching Methodology, University of Economics, Prague, Czech
Neumuller, S., Department of Economics, Pendleton East, Wellesley College, 106 Central Street, Well
Patacchini, E., Cornell University, Ithaca, NY, United States, EIEF, Rome, Italy, CEPR, London, United K
Lai, K.P.Y., National University of Singapore, Singapore
Shobha, T.S., Ramaiah University of Applied Sciences, Bangalore, 560058, India; Chakraborty, S.,
van der Cruijsen, C., De Nederlandsche Bank, Amsterdam, Netherlands; Diepstraten, M., De Nederlan
Aery, A., Wellesley Institute, Toronto, ON, Canada; Rucchetto, A., Upstream Lab, Centre for Urban
Nano, D., University “Eqrem Cabej” Gjirokaster Lagjia “18 Shtatori”, Gjirokaster, 6001, Albania; Mema,
Speer, S., University Koblenz-Landau, Germany
Furubo, J.-E., Swedish National Audit Office, Sweden; Rist, R.C., International Development Evaluatio
Mukherjee, M., Department of Psychological, Health and Learning Sciences, College of Education, Unive
Bahovec, V., Faculty of Economics and Business, University of Zagreb, Croatia; Barbic, D., Faculty of E
Faulkner, A.E., Texas A&M University, United States

Mahdzan, N.S., Faculty of Business and Accountancy and Social Security Research Center, University
Glidden, M.D., University of Arkansas at Little Rock, 3200 Coleman Place, Little Rock, AR 72205, Unite
Ahmed, Z., Faculty Management, Universiti Teknologi MalaysiaJohor, Malaysia; Ramakrishnan, S., Facu
Johnson, S., Al Ghurair University, Dubai, United Arab Emirates; Premila, K., Al Ghurair University, D
Lusardi, A., George Washington University School of Business, Duquès Hall, Washington, DC 20052, Un
Illmeyer, M., Рan-European University, Faculty of Economics and Business, Tematínska 10, Bratislava,
Mottola, G.R., FINRA Investor Education Foundation, United States; Kieffer, C.N., FINRA Investor Edu
Rodrigues, L.F., Instituto Universitário de Lisboa (ISCTE-IUL), ISTAR-IUL, Lisboa, Portugal; Costa, C.J.,
Migheli, M., Department of Economics and Statistics “Cognetti de Martiis”, Università degli Studi di Tor
Susan, M., Maranatha Christian University, Indonesia; Djajadikerta, H., Parahyangan Catholic Universi
Kaufmann, C., University of Lucerne, Department of Health Sciences and Health Policy and Center for
Chang, Y., Nutrition & Hospitality Management, University of Mississippi, Oxford, MS, United States;
Lu, S., National Graduate School, United States

Hidajat, T., Sekolah Tinggi Imu Ekonomi Bank BPD Jateng, Semarang, 50000, Indonesia; Hamdani, M.
Febriana, R.N., Institut Teknologi Bandung, School of Business and Management, Bandung, Indonesia
Susilowati, N., Universitas Negeri SemarangCentral Java, Indonesia, Economics Education Department
Charoensook, B., Department of International Business, Keimyung Adams College, Keimyung Universi
Calcagno, R., em lyon Business School, France; Giofré, M., University of Turin, Italy, CeRP–Collegio Car
Meyer, M., College of Health Sciences, University of Massachusetts, Lowell, Dugan Hall 108, 883 Bro
Sari, R.C., Department of Accounting, Faculty of Economics, Universitas Negeri Yogyakarta, Jl. Col
Jones, M.K., Faculty of Medicine, University of Toronto, Toronto, Canada; Bloch, G., Department of
Penarreta, M., Departamento de Ciencias Empresariales, Universidad Técnica Particular de Loja, Loja
Santos, A.C., Centre for Social Studies, University of Coimbra, Coimbra, Portugal
Bayliss, K., Department of Economics, School of Oriental and African Studies, University of London,
Visano, B.S., School of Public Policy and Administration and Department of Economics, York Universi
Mayoral, R.M., Department of Finance and Accounting, University of Valladolid, Valladolid, Spain; Vall
Goedde-Menke, M., Anderson School of Management, University of California, Los Angeles, 110 Westwo
Zokaityte, A., Kent Law School, University of Kent, Canterbury, United Kingdom
Stolper, O.A., Philipps-Universität Marburg, Am Plan 1, Marburg, 35032, Germany; Walter, A., Justus
Boisclair, D., Industrielle Alliance Research on the Economics of Demographic Change, École des Sc
Sundarasen, S.D.D., Prince Sultan University, Saudi Arabia; Rahman, M.S., North South University, D
Lusardi, A., George Washington University School of Business, United States; Samek, A., University of
Mitchell, O.S., Wharton School of the University of Pennsylvania, United States
Clark, R., Poole College of Management, NC State University, Box 7229, Raleigh, NC 27695, United St
Rosa, P., Department of Mathematics, University of South Bohemia, Jeronýmova 10, České Budějovice
Peters, E., Department of Psychology, Ohio State University, Columbus, OH, United States; Shoots-Re
Loke, Y.J., Universiti Sains Malaysia, School of Social Sciences, Malaysia
Zokaityte, A., University of Kent, Canterbury, United Kingdom
Potocki, T., University of Rzeszów, Poland; Opolski, K., University of Warsaw, Poland
Chu, Z., PBC School of Finance, Tsinghua University, Beijing, 100083, China; Wang, Z., PBC School of
Eniola, A.A., Department of Business Management, Universiti Malaysia Sarawak (UNIMAS), Kota Sam
Kirbiš Škreblin, I., Zagreb School of Economics and Management, Zagreb, Croatia; Vehovec, M., The Inst
Lin, C., School of Management, Xiamen University, Xiamen, China; Hsiao, Y.-J., Executive MBA Program
Bucher-Koenen, T., Munich Center for the Economics of Aging at the Max-Planck-Institute for Social La
Nolte, S., Finance Center Muenster, University of Muenster, Universitätsstr. 14-16, D-48143 Münste
Conklin, J.N., Terry College of Business, University of Georgia, United States
Tatuev, A.A., Kabardino-Balkarian State University named after Kh.M. Berbekov, Kabardino- Balkaria
Maitra, D., Indian Institute of Management Indore, Rau-Pithampur Road, Indore, 453556, India; Upad
Binder, C., Haverford College, Stokes 203C, 370 Lancaster Avenue, HaverfordPA 19041, United State
Ahmad, F.A., University of Arizona College of Medicine, Tucson, Arizona, United States; White, A.J., Un
Jariwala, H.V., V. M. Patel Institute of Management, Ganpat University, Kherva, India; Dziegielewski, S.
Hewett, P.C., Population Council, 4301 Connecticut Avenue, Washington, DC 2008, United States; Au
Gramațki, I., Chair of Econometrics, Faculty of Economics (02), Goethe-Universität, Frankfurt am Ma
Gathergood, J., University of Nottingham, School of Economics, Network for Integrated Behavioural
Gathergood, J., University of Nottingham, School of Economics Network for Integrated Behavioural
Boatman, A., Peabody College of Education and Human Development, Vanderbilt University, United St
Huang, Y.-M., Department of Engineering Science, National Cheng Kung University, Taiwan; Liu, M.-C.
Kosfeld, M., Goethe University Frankfurt, CEPR, CESifo, Germany; Schüwer, U., University of Bonn a
Ismail, S., Faculty of Business and Management, Universiti Teknologi MARA, Melaka, Malaysia; Faiqu
MacLeod, S., Advanced Analytics Optum, 315 E. Eisenhower Parkway, Ann Arbor, MI 48108, United Sta
Walstad, W.B., Department of Economics, University of Nebraska-Lincoln, Lincoln, NE, United States;
Förster, M., Department of Law, Management and Economics, Johannes Gutenberg University Mainz,
Lee, T., KDI (Korea Development Institute) School of Public Policy & Management, South Korea; Yun, T.
Smith, T.E., College of Social Work, Florida State University, Tallahassee, FL, United States; Malespin,
Marinelli, N., University of Macerata, Italy; Mazzoli, C., Università Politecnica delle Marche, Italy; Palm
Walstad, W., Department of Economics, University of Nebraska-Lincoln, Lincoln, NE, United States; Ur
Pinjisakikool, T., Mahidol University, Thailand
Leumann, S., Swiss Federal Institute for Vocational Education and Training, Switzerland
Grol, R., Department of Education, HAN University of Applied Sciences, P.O. Box 30011, Nijmegen, 6
Bekaert, G., Columbia Business School, 3022 Broadway, New York, NY 10024, United States, NBER, 105
Lee, T., Division of Public Behavioral Health and Justice Policy, Department of Psychiatry and Beha
Firli, A., Universitas Pendidikan Indonesia, Jl. Dr. Setiabudi no 229, Bandung, 40154, Indonesia, Telk
Guria, L.S., CSC-SPV, 3rd Floor, Electronics Niketan, 6, CGO Complex, Lodhi Road, New Delhi, 110003,
Guria, L.S., CSC-SPV, Electronics Niketan 6, CGO Complex, Lodhi Road, New Delhi, 110003, India; Pata
Wilson, R.S., Rush Alzheimer’s Disease Center, Department of Neurological Sciences, Department of Be
Routledge
Sawatzki, C., Faculty of Education, Monash University, 29 Ancora Imparo Way, Clayton, VIC 3800, Aus
Shankaran, V., University of Washington, 925 Eastlake Ave E, Seattle, MS G4-830, United States; Linden,
Blue, L.E., Griffith University, Mt Gravatt, Australia; Pinto, L.E., University of Ontario Institute of T
Gutiérrez-Nieto, B., Department of Accounting and Finance, Universidad de Zaragoza, Zaragoza, Spain; Serrano-Cinca, C., Depa
Gerrans, P., UWA Business School, The University of Western Australia, Australia; Hershey, D.A., De
Fitzgerald, M.P., The Health Research Center, School of Public Health, West Virginia University, Unit
Bilias, Y., Athens University of Economics and Business and CFS, Greece, Deutsche Bundesbank, Univ
Mende, M., College of Business, Florida State University, United States; Scott, M.L., College of Busine
Loke, Y.-J., Universiti Sains Malaysia, Malaysia
Emery, T.J., Institute for Marine and Antarctic Studies, University of Tasmania, Private Bag 49, Hobar
Salo, M., Business Law, University of Vaasa, P.O. Box 700, Vaasa, 65101, Finland; Haapio, H., Universit
Berti, A.E., Department of Philosophy, Sociology, Pedagogy, and Applied Psychology, Università di Pado
Marinelli, N., Department of Economics and Law, University of Macerata, Piazza Strambi 1, Macerata,
Levy, M.R., London School of Economics, Houghton Street, London, WC2A 2AE, United Kingdom; Tasoff
Brown, N., Schulich School of Education, Nipissing University, North Bay, ON, Canada; Ferguson, K., S
Horwitz, S., Manhattan Operations at Stony Brook School of Social Welfare-SUNY, United States; Bria
Wilkinson, A., Carolina Population Center, Chapel Hill, NC, United States, Department of Maternal and
Routledge
Sepúlveda Maldonado, J., Departamento de Psicología. Investigador del Núcleo Científico, Tecnológico
Murendo, C., International Crops Research Institute for the Semi-Arid Tropics, Bulawayo, Zimbabwe;
Widyastuti, U., Faculty of Economics, Universitas Negeri Jakarta, Indonesia; Suhud, U., Schoolf of Bu
Jayanthi, M., Sathyabama University, India; Rau, S.S., Sathyabama University, India
Mouna, A., FSEGS, Tunisia, ISAAS, Tunisia; Anis, J., FSEGS, Tunisia, ISAAS, Tunisia
Antara, P.M., Faculty of Business Management, Universiti Teknologi MARA, Shah Alam, Malaysia; Musa,
Yew, S.-Y., Department of Economics, Faculty of Economics and Administration, University of Malaya,
Gavurova, B., Technical University of Kosice, Kosice, Slovakia; Huculova, E., Technical University of Ko
Trunk, A., International School for Social and Business Studies, Mariborska 7, Celje, 3000, Slovenia; K
Md Nawi, F.A., Universiti Sultan Zainal Abidin, Terengganu, Malaysia; Shaharuddin, S., Universiti Sul
Indapurkar, K., Amity School of Economics, Amity University, Noida, India; Raj, M., Amity School of E
Adam, A.M., School of Business, University of Cape Coast, Ghana; Frimpong, S., School of Business, U
Bongomin, G.O.C., Faculty of Graduate Studies and Research, Makerere University Business School,
Okello Candiya Bongomin, G., Faculty of Graduate Studies and Research, Makerere University Busine
Huhmann, B.A., Department of Marketing, Virginia Commonwealth University, Richmond, VA, United
Arceo-Gómez, E.O., Centro de Investigación y Docencia Económicas (CIDE), Department of Economics,
Sawatzki, C., Monash University, Australia; Sullivan, P., Monash University, Australia
Nguyen, T.A.N., Tomas Bata University in Zlin, Faculty of Management and Economics, Department of En
De Moor, L., Vrije Universiteit Brussel, Faculty of Economic and Social Sciences and Solvay Business S
Spataro, L., Università di Pisa, Via Ridolfi 10, Pisa, 56124, Italy; Corsini, L., Università di Pisa, Via Ridolf
Ricci, O., Business Studies, University of Roma Tre, Rome, Italy; Caratelli, M., Business Studies, Unive
Candiya Bongomin, G.O., Faculty of Graduate Studies and Research, Makerere University Business Sc
Hamilton, D., The New School, United States; Darity, W.A., Jr., African and African American Studies,
Shusha, A.A., Damietta University, Egypt
Chauhan, S., Amity School of Economics, Amity University, India; Indapurkar, K., Amity School of Econ
Rizliyanto, E., Universitas Sumatera Utara, Medan, Indonesia; Erlina, Universitas Sumatera Utara, M
Sivaramakrishnan, S., School of Business Management, Narsee Monjee Institute of Management Studie
Xiao, J.J., Department of Human Development and Family Studies, University of Rhode Island, Kingsto
Jonsson, S., Center for Banking and Finance, Royal Institute of Technology, Stockholm, Sweden; Söde
Longobardi, S., University of Naples Parthenope, Italy; Pagliuca, M.M., University of Naples Parthenope
Finke, M.S., Department of Personal Financial Planning, Texas Tech University, Lubbock, TX 79409, U
Zimbardo, P., Stanford University, Stanford, CA, United States; Clements, N., MagnifyMoney.com, New
Ishmuhametov, I., Transport and Telecommunication Institute, 1 Lomonosova str., Riga, LV-1019, Latv
Pearson, G., University of Sydney Business School, University of Sydney Australia, Australia; Stoop, P
Berková, K., Faculty of Finance and Accounting, University of Economics, Prague, Czech Republic; Krpá
Hudec, M., Faculty of Economic Informatics, University of Economics in Bratislava, Dolnozemská cesta 1
Ghazali, M.S., Faculty of Business Management, Universiti Teknologi MARA, Bandar Jengka, Bandar T
Mindra, R., Department of Finance, Makerere University Business School, Kampala, Uganda; Moya,
Marhayanie, Universitas Sumatera Utara, Indonesia; Ismail, M., Universitas Sumatera Utara, Indonesi
Halloluwa, T., Queensland University of Technology (QUT), Brisbane, Australia, University of Colomb
Lee, T., KDI School of Public Policy and Management, Sejong, South Korea
Seay, M.C., School of Family Studies and Human Services, Kansas State University, Manhattan, KS, Uni
Mauricas, Ž., ISM University of Management and Economics, Arkliu str. 18, Vilnius, LT -01305, Lithuan
De Castro Dantas Cavalcante, R., Escola de Comunicação e Artes, Universidade de São Paulo (USP), São
Tanase, M.F., Department of Foundations and Secondary Education, University of North Florida, Jacksonv
Sabri, M.F., Department of Resource Management & Consumer Studies, Faculty of Human Ecology, Uni
Álvarez-Franco, P.B., Pontificia Universidad Católica del Perú, Peru, Escuela de Economía y Finanz
Bačová, V., Institute of Experimental Psychology, Center of Social and Psychological Sciences, Slovak
Low, D., School of Management, Asia e University, Dataran Kewangan Darul Takaful, No. 4, Jalan Sult
Dinç Aydemir, S., Faculty of Business Administration, Gebze Technical University, Kocaeli, Turkey; Aren,
Nguyen, T.A.N., Tomas Bata University in Zlin, Zlin, Czech Republic; Rózsa, Z., School of Economics and
Clark, R., Department of Economics and Department of Management, Innovation, and Entrepreneurship,
Ekanem, I.U., Department of Management, Leadership and Organisations, Middlesex University, Lon
Osmane, S., Monitoring and Evaluation Unit, Norwegian Refugee Council, Ain Mreisseh, John Kennedy S
Irandoust, M., Halmstad University, School of Business, Engineering and Science, PO Box 823, Halms
Bamforth, J., Swinburne University of Technology, Faculty of Business and Enterprise, Hawthorn, Austra
Zainol, Z., Islamic Business School, College of Business, Universiti Utara Malaysia, Sintok Kedah, 060
Daou, R.A., Banking Control Commission of Lebanon and Financial Literacy Institute, Lebanon
Titko, J., University of Economics and Culture, Riga, Latvia; Veidenberga, Z., University of Economics an
Chamboko, R., NOVA Information Management School, New University of Lisbon, Lisbon, Portugal; Ka
Sabri, M.F., Faculty of Human Ecology, Universiti Putra Malaysia, Malaysia; Dass, T.M., Faculty of Hu
Singh, A., Jaypee Business School, Noida, India; Sharma, R., Jaypee Business School, Noida, India
Mohd. Amim, O., Department of Resource Management and Consumer Studies, Faculty of Human Ecology,
Parameswar, N., Department of Management Studies at the Indian Institute of Technology (IIT), New D
Agarwal, S., Georgetown University, McDonough School of Business, 3700 O Street NW, Washington, DC
Farías, P., Departamento de Administración, Facultad de Economía y Negocios, Universidad de Chile,
Hoerl, M., Department of Economics, University of Munich, Munich, Germany; Wuppermann, A., Departm
Coskuner, S., Department of Family and Consumer Sciences, Hacettepe University, Beytepe-Ankara, T
Malaf, E.; Liu, G.; Goldstein, S.
Nyhus, E.K., University of Agder, Norway
Makina, D., Department of Finance, Risk Management and Banking, University of South Africa, Pretori
Loibl, C., Department of Human Sciences, Ohio State University, Columbus, OH, United States
Iacovoiu, V., Petroleum-Gas University of Ploieşti, Romania; Stancu, A., Petroleum-Gas University of
Rollings, N.
Nasir, N.F., Faculty of Business Management, Universiti Teknologi MARA, Shah Alam, Selangor, Malay
Cwynar, A., University of Economics and Innovation, Lublin, Poland; Cwynar, W., University of Econo
Berg, S., Institut II für vergleichende Bildungsforschung und Sozialwissenschaften, Sozialwissensch
Bhattacharjee, J., Department of Business Administration, Assam University, Silchar, India; Singh, R.,
Cresenta Shakila Motha, L., Training and Placement, SASTRA University, Thanjavur, India; Amudha, R
Lombardi, E., Dipartimento di Psicologia, Unità di Ricerca sulla Teoria della Mente, Università Cattolic
Hermansson, C., Centre for Banking and Finance (CEFIN), School of Architecture and the Built Envir
Mahdzan, N.S., Department of Finance and Banking, Faculty of Business and Accountancy, University
Epstein, M.J., Distinguished Research Professor of Management, Rice University, United States; Yuthas
Imarhiagbe, B.O., Small Business Research Centre, Kingston University, Kingston-Upon-Thames, Unit
Mahdzan, N.S., Department of Finance and Banking, Faculty of Business and Accountancy, University
Lall, P., Faculty of Medicine, Department of Medicine, Centre of Excellence for Research in AIDS, Un
Fiksenbaum, L., York University, Toronto, Canada; Marjanovic, Z., Department of Psychology, Concor
Karaa, I.E., Department of International Trade, School of Applied Sciences, Celal Bayar University,
Faulkner, A.E., Princeton University Library, Princeton, NJ, United States
Nejad, M.G., Gabelli School of Business, Fordham University, 140 West 62nd Street, New York, NY 10
French, D., Queens University Management School, Riddel Hall,185 Stranmillis Road, Belfast, BT9 5E
Idris, N.H., Faculty of Business and Management, Universiti Teknologi MARAMelaka, Malaysia; Yazid
Hetling, A., Bloustein School of Planning and Public Policy, Rutgers University, 33 Livingston Avenue
Sundarasen, S.D.D., Prince Sultan University, Riyadh, 11586, Saudi Arabia; Rahman, M.S., Internatioa
Koposko, J.L., Department of Psychology, Oklahoma State University, Stillwater, OK 74078, United St
Reis, S., Department of Communication and Art, CIC. Digital/Digimedia, University of Aveiro, Aveiro,
Chen, E., The Peres Academic Center, Israel; Gavious, I., Guilford Glazer Faculty of Business and M
Loke, Y.J., School of Social Sciences, Universiti Sains Malaysia, Penang, 11800, Malaysia
Delgadillo, L.M., Utah State University, United States; Palmer, L., University of Georgia, United States;
Brounen, D., TIAS, Tilburg University, Netherlands; Koedijk, K.G., TIAS, Tilburg University, Netherlands
Knoller, C., Munich Risk and Insurance Center, Ludwig-Maximilians-Universität Munich, Schackstraβ
Kiymaz, H., Crummer Graduate School of Business, Rollins College, Winter Park, FL 32789, United States
De Cecco, S., Université Libre de Bruxelles, ECARES, Belgium; Estache, A., Université Libre de Bruxell
Riitsalu, L., Department of Marketing and Communication, Estonian Business School, Tallinn, EstoniaInst
Kramer, M.M., University of Groningen, Netherlands
Xiao, J.J., Professor, Family Finance, Department of Human Development and Family Studies, College of
Bergiti, J., Australian College of Pharmacy, Australia
Montgomerie, J., Goldsmiths, University of London, London, United Kingdom; Tepe-Belfrage, D., Univer
van Ooijen, R., University of Groningen, Department of Economics, Econometrics and Finance, P.O. B
Banerjee, S., College of Business, University of Wyoming, Laramie, WY 82070, United States; Hump
Shavit, T., The School of Business Administration, The College of Management Academic Studies, Risho
Fort, M., University of Bologna, CESifo and IZA, Italy; Manaresi, F., Banca d'Italia, Italy; Trucchi, S.,
Tripathi, R., Department of Humanities and Social Sciences, Motilal Nehru National Institute of Techn
Harrison, N., University of the West of England, United Kingdom; Agnew, S., University of Canterbur
Happ, R., Department of Law, Management, and Economics, Johannes Gutenberg University, Mainz,
Chen, Z., School of Social Work, Louisiana State University, Baton Rouge, LA, United States; Lemieux,
Padua, L.A., School of Social Work, California State University, Los Angeles, CA, United States; Doran,
Sánchez-Campillo, J., Ciencias Económicas y Empresariales, Universidad de Granada, Grupo de Invest
Baker, A.C., School of Social Policy and Practice, University of Pennsylvania, 3701 Locust Walk, Philad
Dhanani, A., Cardiff Business School, Cardiff University, Cardiff, United Kingdom
Friedberg, R.D., Center for the Study and Treatment of Anxious Youth, Palo Alto University, Palo Alto,
Kiliyanni, A.L., School of Management Studies, National Institute of Technology Calicut, Kozhikode, K
Driva, A., University of Munich, Ludwigstr. 33, Munich, 80539, Germany; Lührmann, M., Royal Hollo
Newall, P.W.S., Behavioural Science Centre, Stirling Management School, University of Stirling, Stirl
Semenova, M., Center for Institutional Studies and Department of Finance, National Research Universi
Brown, M., Federal Reserve Bank of New York, 33 Liberty St., New York, NY 10045, United States; Gri
Marano, L.E., West Chester University, United States; Dempsey, K., West Chester University, United St
Bannier, C.E., Gutenberg University Mainz, Jakob-Welder-Weg 9, Mainz, 55128, Germany; Neubert,
Sayinzoga, A., University of Rwanda, Rwanda, Development Economics Group, Wageningen University,
Scannapieco, M., School of Social Work, University of Texas at Arlington, 211 South Cooper, Arlington,
Paluri, R.A., Symbiosis Institute of Operations Management, Nashik, India; Mehra, S., JDC Bytco Inst
Smith, T.E., College of Social Work, Florida State University, Tallahassee, FL, United States; Shelton,
Reams-Johnson, A., Campus Academic Team, Social and Behavioral Sciences, Florida State College at J
Skimmyhorn, W.L., Department of Social Sciences, United States Military Academy, West Point, NY, Uni
Charles, K.D., Institute of Higher Education, University of Florida, Gainesville, FL, United States;
Veteška, J., Institute of Andragogy Study, J. A. Komensky University, Prague, Czech Republic
Bujan, I., Polytechnic of Međimurje, Čakovec, Croatia; Cerović, L., University of Rijeka, Faculty of Eco
Villagómez, F.A., Economista en Jefe, Estudios Económicos, Infonavit, Mexico
Meyer, M.A., Adjunct Faculty, University of Massachusetts, College of Health Sciences, Lowell, MA, U
McCannon, B.C., West Virginia University & Center for Free Enterprise, 1601 University Avenue, Morg
Nalini, R., School of Management, SASTRA University, Thanjavur, Tamil Nadu, 613401, India; Alamelu
Julion, W.A., Rush University Medical Center, Rush University College of Nursing, 600 S. Paulina Suite
Clarke, D.J., World Bank, Washington, DC, United States; Kumar, N., Poverty, Health, and Nutrition Di
Murugiah, L., Universiti Utara Malaysia, Kedah, Malaysia
Zimmerman, J., HCI Institute, Carnegie Mellon University, Pittsburgh, PA, United States; Forlizzi, J., HC
Paiella, M., University of Naples Parthenope, Dept. of Business and Economic Studies, Via General Pari
Watson, R.
Yang, B., LeBow College of Business, Drexel University, Philadelphia, PA, United States; Lester, D., St
Pilz, M., University of Cologne, Germany; Krisanthan, B., Goethe University of Frankfurt, Germany; Mich
Dyer, W.G., Marriott School of Management, Brigham Young University, United States; West, B., Marri
Farrell, L., School of Economics, Finance and Marketing, RMIT University, Melbourne, Australia; Fry,
Johnson, B.B., Decision Research, Eugene, OR, United States; Finkel, A.M., Law School, University of P
Svobodova, L., Department of Economics, Faculty of Informatics and Management, University of Hrad
Podgorny, B., Philosophy and Sociology Department, Southwest State University, Radishchev Str., Ku
Polyakova, T., Finance and Credit Department, Southwest State University Kursk, Radishchev Str., Ku
Diez-Martinez, E., Universidad Autónoma de Querétaro, Mexico
Santoso, A.B., Bank Indonesia, Representative Office of Yogyakarta, Yogyakarta, 55121, Indonesia; Tr
Fabris, N., Central Bank of Montenegro, Faculty of Economics, Belgrade, Montenegro; Luburic, R.,
Akter, S., Lee Kuan Yew School of Public Policy, National University of Singapore, 469C Bukit Timah
Han, S.D., Department of Family Medicine, University of Southern California, Los Angeles, CA 90089,
Erner, C., Anderson School of Management, University of California, Los Angeles, 110 Westwood Pla
Krause, B.L., Department of Applied Economics, University of Minnesota, 332D Ruttan Hall, 1994 Buf
Hubbard, E., Department of Educational Psychology, University of Wisconsin, Madison, WI, United St
Moure, N.G., University of New South Wales, Sydney, Australia
Lin, H., Department of Business Economics and Public Policy, Kelley School of Business, Indiana Unive
Happ, R., Johannes Gutenberg University Mainz, Germany; Förster, M., Johannes Gutenberg University
Patel, M.R., Department of Health Behavior and Health Education, University of Michigan School of P
Sathiyan, S., Department of Economics, Central University of Tamil Nadu, Thiruvarur, Tamil Nadu, 610
Koh, N.K., National Institute of Education, Nanyang Technological University, 1 Nanyang Walk, Singa
Frühauf, F., University of Duisburg-Essen, Universitätsstraße 12, Campus Essen, Essen, 45141, Germa
Aprea, C., Friedrich Schiller University Jena, Carl-Zeiss-Strasse 3, Jena, 07743, Germany; Wuttke, C.
Holtsch, D., Institut für Erziehungswissenschaft, University of Zurich, Kantonsschulstrasse 3, Zurich, S
Wentzel, A., Department of Economics and Econometrics, University of Johannesburg, PO Box 524, Au
Aprea, C., Friedrich Schiller University Jena, Carl-Zeiss-Strasse 3, Jena, 07743, Germany; Wuttke, C.
Schuhen, M., Universität Siegen, Zentrum für ökonomische Bildung in Siegen (ZöBiS), Kohlbettstraße
Lucey, T.A., School of Teaching and Learning, Illinois State University, Campus Box 5330, Normal, IL
Ackermann, N., Universität Zürich, Institut für Erziehungswissenschaft, Kantonschulstrasse 3, Zurich, 8
Siu, E.Y.N., Republic Polytechnic, 9 Woodlands Avenue 9, Singapore, 738964, Singapore; Koh, N.K., N
Yeo, J.K.K., National Institute of Education, Nanyang Technological University, 1 Nanyang Walk, Sing
Houghton Budd, C., Department of Technology, Policy and Management, Technology University Delft
Amidjono, D.S., Universitas Indonesia, Indonesian Council for Economic and Financial Education (ICEF
Henchoz, C., Domaine Sciences des sociétés, des cultures et des religions, Département des sciences s
Aprea, C., Friedrich Schiller University Jena, Carl-Zeiss-Strasse 3, Jena, 07743, Germany; Wuttke, E.,
Ruiz-Durán, C., Universidad Nacional Autónoma de México, Facultad de Economía, Ciudad Universitar
Pang, M.F., Faculty of Education, The University of Hong Kong, Pokfulam Road, Hong Kong
Bosshardt, W., Department of Economics, Florida Atlantic University, 777 Glades Road, Boca Raton, F
Sherraden, M.S., School of Social Work, University of Missouri-St. Louis, One University Boulevard, St.
Arthur, C., Faculty of Education, York University, 4700 Keele St., Toronto, ON, Canada
Antonietti, A., Department of Psychology, Università Cattolica del Sacro Cuore, Largo Gemelli 1, Milan,
Remmele, B., University of Education Freiburg, Kunzenweg 21, Freiburg, 79117, Germany
Heath, J.A., Economics Center, University of Cincinnati, 225 Calhoun, #370, Cincinnati, OH 45219, Un
Pinto, L.E., University of Ontario Institute of Technology (UOIT), Faculty of Education, 11 Simcoe St
O'Neill, B.M., Department of Agricultural, Food and Resource Economics, Rutgers University, Cook Of
Cameron, M.P., Department of Economics, University of Waikato, Private Bag 3105, Hamilton, 3240,
Hašek, R., Faculty of Education, University of South Bohemia, Jeronỳmova 10, Ceské Budejovice, 371
Lee, C.B., School of Education, University of Western Sydney, Locked Bag 1797, Penrith, NSW 2750, Au
Loerwald, D., Carl von Ossietzky Universität Oldenburg, Faklutät II, Informatik, Wirtschafts-und
Lacatus, M.L., Bucharest University of Economic Studies, Romanian Center for Economic Education, 7
Hill, A.T., Federal Reserve Bank of Philadelphia, Philadelphia, United States; Asarta, C.J., Departmen
Barry, D., Konrad-Adenauer-Schule Kriftel, Auf der Hohlmauer 1-3, Kriftel, 65830, Germany
Knoote, F.E., DIMES Consultancy, Sarphatistraat 7, Amsterdam, 1001RA, Netherlands; Partington, G.
Marchetti, A., Department of Psychology, Università Cattolica del Sacro Cuore, Milano, Italy; Castelli
Farnsworth, V., School of Education, University of Leeds, Hillary Place, Leeds, LS 2 9JT, United Kingd
van der Schors, A., Nationaal Instituut Voor Budgetvoorlichting, Hekelsteeg 6, Utrecht, 3511 AK, Net
Greimel-Fuhrmann, B., Vienna University of Economics and Business, Welthandelsplatz 1/D2/B, Vienna
Danes, S.M., Family Social Science Department, University of Minnesota, 1985 Buford Avenue, St. Pa
Potrich, A.C.G., Federal University of Santa Maria, Santa Maria, Brazil; Vieira, K.M., Federal Universit
Rosacker, K.M., Minnesota State University Mankato, United States; Rosacker, R.E., The University of
Larbey, M., Australian Securities and Investments Commission (ASIC), Australia
Agnew, J., Boehly Center for Excellence in Finance, United States, College of William, Mary's Mason S
Hung, N.V., Operations Evaluation Department, International Monetary Fund, United States
Yatim, P., UKM-Graduate School of Business, Universiti Kebangsaan Malaysia, Bangi, Selangor 43600, M
Yoshino, N., ADBI, Japan; Messy, F.-A., Financial Affairs Division, OECD, OECD/INFE, United States; Mo
Clark, J.R., The University of Tennessee at Chattanooga, United States; Hall, J.C., West Virginia Unive
Hagedorn, E.A., University School of Milwaukee, United States; Schug, M.C., University of Wisconsin-M
Dimmock, S.G., Nanyang Technological University, 50 Nanyang Avenue, Singapore, 639798, Singapore; K
Siddike, Md.A.K., Graduate School of Knowledge Science, Japan Advanced Institute of Science and Te
Bhonde-Saraf, A., Maulana Azad College of Arts, Science and Commerce, Dr. Rafiq Zakaria Marg, Rau
Nivorozhkina, L.I., Rostov State University of Economics, Rostov-on-Don, Russian Federation; Nikolay
Smith, T.E., College of Social Work, Florida State University, Tallahassee, FL, United States; Richards
Smith, T.E., College of Social Work, Florida State University, Tallahassee, FL, United States; V. Richar
Shen, C.-H., Department of Money and Finance, College of Finance and Statistics, Hunan University, C
Silva-Martínez, E., Beatriz Lassalle Graduate School of Social Work, University of Puerto Rico, San
Chowdhury, M., Department of Business and Economics, Algoma University, 1520 Queen Street East,
Blonski, P., Chair of Banking and Finance, University of Hagen, Hagen, Germany; Blonski, S.C., Psych
Mills, J., John Jay College, City University of New York, United States
Loke, Y.J., School of Social Sciences, Universiti Sains Malaysia, Minden, Malaysia
Liebowitz, J., Harrisburg University of Science and TechnologyPA, United States
Heckman, E.R., Financial Knowledge Institute, San Jose, CA, United States
Marty, A., National Endowment for Financial Education, Denver, CO, United States
Jain, R., Moneythink-University of Chicago Chapter, Chicago, IL, United States
Daniels, T.R., Society for Financial Education and Professional Development, Washington, DC, United
Ashton, B., Student Wellness Center, Office of Student Life, The Ohio State University, Columbus, OH,
Liebowitz, J., Harrisburg University of Science and Technology, Harrisburg, PA, United States
Okello Candiya Bongomin, G., Makerere University Business School, Kampala, Uganda; Ntayi, J.M., M
Wright, T., Elite Educational Services, Inc., Brooklyn, NY, United States
Larson, L.R.L., College of Business Administration, Georgia Southern University, Statesboro, GA, Unit
Campara, J.P., Universidade Federal de Santa Maria, Brazil; Vieira, K.M., Universidade Federal de Sant
Wulandari, D., Faculty of Economics, Universitas Negeri Malang, Indonesia
Allgood, S., Department of Economics, 369 College of Business Administration, University of Nebraska
Astuti, P.H., Universitas Gadjah Mada, Indonesia; Trinugroho, I., Universitas Sebelas Maret, Indonesia
Crawford-Ferre, H.G., University of Nevada, Reno, United States; Wiest, L.R., College of Education, Un
Worthington, A.C., Griffith University, Brisbane, Australia
Drew, J.M., School of Criminology and Criminal Justice, Griffith University, Australia, Australian Resea
Ciemleja, G., Department of Corporate Finance and Economics, Faculty of Engineering Economics and
Pak, T.-Y., University of AlabamaAL, United States; Chatterjee, S., University of GeorgiaAL, United Sta
Ciemleja, G., Department of Corporate Finance and Economics, Faculty of Engineering Economics and M
Ngek, N.B., Department of Business Management, University of the Free State, South Africa
Okello Candiya Bongomin, G., Finance Department, Makerere University Business School (MUBS), Ka
Dunska, M., Department of International Economics and Business, Faculty of Economics and Management,
Henager, R., Economics and Finance, School of Business, Whitworth University, 300 W. Hawthorne Rd,
Chardon, T., University of Southern Queensland, Australia; Freudenberg, B., Department of Accounting,
Adomako, S., Warwick Business School, University of Warwick, Coventry, United Kingdom; Danso, A., Y
Zahirovic-Herbert, V., Department of Financial Planning, Housing and Consumer Economics, University
Fachrudin, K.R., University of Sumatera Utara, Indonesia; Fachrudin, K.A., University of Sumatera Uta
Meir, A., Israel Gerontological Data Center, Hebrew University of Jerusalem, Israel; Mugerman, Y., Th
Rahim, S.H.A., Islamic Business School, Universiti Utara Malaysia, Sintok, Kedah 06010, Malaysia; Ras
Jariwala, H.V., V.M. Patel Institute of Management, Ganpat University, India; Sharma, M.S., Faculty
Vijaykumar, N.V., Bharathiar University, Coimbatore, Tamil Nadu, India, Welingkar Institute of Mange
Laney, J.D., Department of Teacher Education and Administration, The University of North Texas, Unite
Harrison, T., University of Edinburgh, Business School, United Kingdom
Marri, A.R., Teachers College, Columbia University, United States, Federal Reserve Bank, New York, U
Dutkowsky, D.H., Syracuse University, United States; Evensky, J.M., Syracuse University, United State
Belás, J., Tomas Bata University in Zlin, Zlin, Czech Republic; Nguyen, A., Tomas Bata University in
Te’eni-Harari, T., Peres Academic Center, Business School, Rehovot, Israel
Bhattacharya, R., California State University at Fullerton, Fullerton, CA 92834, United States; Gill, A.,
Verma, S., TAPMI School of Business, Manipal University Jaipur, India; Oum Kumari, R., Department of
Viswanatha Reddy, C., Sree Vidyanikethan Institute of Management, A. Rangampet, Tirupati, Andhra
Weber, J., University of Nebraska–Lincoln, University of Nebraska-Lincoln, Lincoln, NE, United States
Hsu, J.W., Federal Reserve Board, United States
Mukhametov, A.R., Kazan Federal University, Russian Federation; Khadiullina, G.N., Kazan National Re
Brejcha, J., Prague, Czech Republic; Wang, C., Sino-European Usability Center (SEUC), Dalian Maritime
Estelami, H., Gabelli School of Business, Fordham University, New York, United States
Aderemi, A.K., Department of Accounting, Covenant University, Ogun State, Ota, Nigeria; Osarumwense
Grisales, E.A.D., Institución Universitaria Esumer, Facultad de Estudios Empresariales y de Mercadeo,
Dombrovská, M., Charles University in Prague, Prague, Czech Republic
García-Santillán, A., UCC Business School, Universidad Cristóbal Colón, Veracruz, Mexico; Moreno-Gar
Awais, M., Alfalah Institute of Banking and Finance, Baha-ud-Din Zakariya University, Multan, Pakist
Frydman, C., USC Marshall School of Business, Los Angeles, CA, United States; Camerer, C.F., Division
Nguyen, L.T.M., International University - HCMC, Vietnam National University, Viet Nam; Gallery, G.,
Ballestra, L., Carlo Cattaneo University LIUC, Castellanza, Italy; Cavaleri, P., Carlo Cattaneo University
Leiser, D., Ben Gurion University of the Negev, Department of Psychology, Israel; Spivak, A., Ben Gur
Söderberg, I.-L., Centre for Banking and Finance, Royal Institute of Technology, KTH, Sweden
Diniz, P., Instituto Federal do Triângulo Mineiro, Campus Uberlândia, Uberlândia, Minas Gerais, 384
Steen, A., Charles Sturt University, Australia; McGrath, D., Charles Sturt University, Australia; Wong, A
Fisch, J.E., University of Pennsylvania Law School, United States; Wilkinson-Ryan, T., University of Pe
Ahmed, H., Durham University Business School, Durham University, Durham, United Kingdom; Salleh,
Broad, K.C., Queensland Department of Agriculture and Fisheries, Longreach, QLD 4730, Australia;
Jha, M.K., Department of Business Administration, National Institute of Technology, Kurukshetra, Ha
Cole, S., Harvard Business School, Boston, MA, United States; Paulson, A., Federal Reserve Bank of Chi
Yoon, H.J., Temerlin Advertising Institute, Meadows School of the Arts, Southern Methodist University
Mitchell, O.S., Wharton School of the University of Pennsylvania, United States
Verma, Y., School of Commerce and Management, Central University of Rajasthan, Ajmer, Rajasthan, 30
León, G., Universidad Autónoma del Caribe, Colombia; Afcha, S., CENTRUM Católica, Graduate Busines
West, S., University of Kansas School of Social Welfare, Lawrence, KS, United States; Mottola, G., F
Budsaratragoon, P., Chulalongkorn University, Bangkok, Thailand; Hillier, D., Strathclyde University
Ambarkhane, D., Symbiosis School of Banking and Finance, Symbiosis International University (SIU), La
Juen, T.T., Department of Resource Management & Consumer Studies, Faculty of Human Ecology, Univ
Awunyo-Vitor, D., Department of Agricultural Economics Agribusiness and Extension, College of Agr
Peters, C.M., University of Missouri-Columbia, Columbia, MO, United States; Sherraden, M., Universi
Shen, N., Department of Business Administration, Hong Kong Shue Yan University, Hong Kong, Centre
Henning, M.B., Northern Illinois University Center for Economic Education, Northern Illinois Universit
Komelina, V.A., Mari State University, Yoshkar-Ola, Russian Federation; Mirzagalyamova, Z.N., Kazan N
Lopez, K., Department of Mathematics, University of Louisiana at Lafayette, 43568, Lafayette, LA 705
Duvalova, E.P., Kazan Federal University, Russian Federation; Andreeva, O.V., Kazan Federal University
Zou, H., CIBC Investor Services Inc., Toronto, ON, Canada; Chandrashekar, S., OCAD University, Toro
Satsiou, A., Information Technologies Institute, CERTH, Thessaloniki, 57001, Greece; Revenko, A., S
Fachinger, U., Department of Economics and Demography, Institute of Gerontology, University of V
Lamb, L., Thompson Rivers University, Kamloops, Canada
Wardhono, A., Department of Economics, Faculty of Economics, University of Jember, Jalan Kalimantan
Pickford, B., University of Nottingham, United Kingdom
Egharevba, M.E., Department of Sociology, College of Business and Social Sciences, Covenant Universit
Froldova, V., University of Hradec Kralove, Czech Republic
Choi, J.J., School of Management, Yale University, New Haven, CT 06520-8200, United States, Nati
Cohen, C.R., Department of Obstetrics, Gynecology & Reproductive Sciences, University of California S
Grohmann, A., German Institute for Economic Research (DIW Berlin), Berlin, 10108, Germany; Kouwen
Almenberg, J., Sveriges Riksbank, Stockholm, SE-103 37, Sweden; Dreber, A., Department of Econom
Di Girolamo, A., University of Birmingham, Department of Economics, United Kingdom; Harrison, G.W.,
Schuhen, M., University of Siegen, Germany; Neubauer, M., University of Siegen, Germany
Crack, T.F., Department of Accountancy and Finance, University of Otago, P.O. Box 56, Dunedin, 905
Zou, H., MDes (Inclusive Design), OCAD University, 205, Richmond St., Toronto, Canada; Treviranus, J
Mesquita, A., CICE, ISCAP / IPP and Algoritmi RC, R. Dr. Jaime Lopes de Amorim, Portugal; Peres, P., CI
Lemmer, C.A., Ruth Lilly Law Library, Indiana University Robert H. McKinney School of Law, Indianapol
Bateman, H., UNSW, Australia; Stevens, R., UNSW, Australia; Lai, A., Taylor Fry Analytics and Actuaria
Han, S.D., Rush Alzheimers Disease Center, Rush University Medical Center, 600 S. Paulina St., Chicago
Adhikary, A., Sikkim Manipal Institute of Technology, India; Bora, B., Sikkim Manipal Institute of Tech
Mouna, A., University of Sfax FSEGS, Sfax, Tunisia; Jarboui, A., Finance and Accounting Department, Un
Huston, S.J., Department of Personal Financial Planning, Texas Tech University, 1301 Akron Street—
Hensley, B.J., National Endowment for Financial Education, 1331 17th Street, Suite 1200, Denver, CO
Lusardi, A., George Washington University School of Business, United States
Foster, F.D., University of Technology Sydney, Australia; Ng, J., Australian National University, Austra
Carmel, E., Department of Psychology,, Ben Gurion University (BGU), Israel; Carmel, D., Department of
Fornero, E., Università di Torino, CeRP-Collegio Carlo Alberto, Italy
Verschoor, C.C., School of Accountancy and Management Information Systems, DePaul University, Chica
Nawaz, F., University of Rajshahi, Rajshahi, Bangladesh, Flinders University, Adelaide, Australia
Lincoln, T.D., Austin Presbyterian Theological Seminary, Austin, TX, United States
Rehman, R., Department of Biological and Biomedical Sciences, Aga Khan University, Karachi, Pakistan;
Fedorova, E.A., Financial Institution under the Government of the Russian Federation, Moscow, Russia
Lubis, H., Universitas Islam Sumatera Utara20146, Indonesia; Dileep Kumar, M., University Institute f
Geiger, V., Australian Catholic University, Brisbane, QLD, Australia; Goos, M., The University of Quee
Lucey, T.A., Illinois State University, United States; Agnello, M.F., Akita International University, Japa
Mouna, A., Faculté des Sciences Economiques et de Gestion de Sfax, Sfax, Tunisia, University of Sfax, Tu
Williams, A.J., Mitchell College of Business, University of South Alabama, Mobile, AL, United States;
Xiao, J.J., Department of Human Development and Family Studies, University of Rhode Island, Kingston,
Bar-Or, Y.
Heyman, S., KTH Royal Institute of Technology, Lindstedtsvägen 3, Stockholm, SE-100 44, Sweden
Potrich, A.C.G., Post Graduation Program in Business Administration, Federal University of Santa Maria
Totenhagen, C.J., The University of Alabama, Tuscaloosa, AL, United States; Casper, D.M., The Universi
Huang, J., College for Public Health and Social Justice, Saint Louis University, 3550 Lindell Blvd., T
Bentley, M., Cornell University, Ithaca, NY, United States
Bachmann, K., University of Zurich, Department of Banking and Finance, Plattenstrasse 32, Zurich, C
Csikósová, A., Technical University of Košice, Department of Business and Management, Košice, Slov
Lührmann, M., Institute for Fiscal Studies, London, United Kingdom, Royal Holloway, University of
Jang, D.-H., Department of Social Welfare, Namseoul University, 91 Daehakro, Seonghwan, Cheonan,
Gunaratne, J., New York University, United States; Nov, O., New York University, United States
DiGiacomo, M., University of Technology Sydney, Faculty of Health, PO Box 123, Broadway, NSW 2008,
Gurley-Calvez, T., Department of Health Policy and Management, University of Kansas, United States
Kraus, P.L., J. Willard Marriott Library, University of Utah, Salt Lake City, UT, United States
Yu, K.-M., Department of Asian and Policy Studies, The Hong Kong Institute of Education, Hong Kong,
Lusardi, A., The George Washington University School of Business, United States
Beckmann, E., Oesterreichische Nationalbank, Vienna, Austria; Stix, H., Oesterreichische Nationalbank
Poon, M., London School of Economics and Political Science, United Kingdom, Data & Society Research
Jung, J.H., KAIST College of Business, Korea Advanced Institute of Science and Technology, South Kore
Clark, G.L., Smith School of Enterprise and the Environment, University of Oxford, Oxford, United Kin
Agarwal, S., National University of Singapore, Singapore; Amromin, G., Federal Reserve Bank of Chicag
Lusardi, A., The George Washington University School of Business, 2201 G Street, NW, Suite 450E, W
Loke, Y.J., Universiti Sains Malaysia, Malaysia
Sabri, M.F., Department of Resource Management and Consumer Studies, Faculty of Human Ecology, U
Birbili, M., Department of Early Childhood Education, Aristotle University of Thessaloniki, Greece; K
Disney, R., Department of Economics, University College, Institute for Fiscal Studies, London, Unit
Maryam, M., RLAK College of Home Economics, Karachi, Pakistan; Zehra, N., RLAK College of Home Ec
Vehovec, M., The Institute of Economics, Zagreb, Croatia; Rajh, E., The Institute of Economics, Zagre
Jappelli, T., University of Naples Federico II, CSEF, CEPR, Italy; Padula, M., Università della Svizzera I
Jariwala, H.V., Ganpat University, North Gujarat, India
Faulkner, A.E., Texas A&M University, College Station, TX, United States
Alsemgeest, L., Centre for Financial Planning Law, University of the Free State, Bloemfontein, SA, Aust
Subha, M.V., Anna University Regional Center, Coimbatore, India; Shanmugha Priya, P., Happy Valley
Arrondel, L., Banque de France, Paris, France, Paris School of Economics, Paris, France, CNRS, Paris,
Davies, P., University of Birmingham, Edgbaston, Birmingham, B15 2TT, United Kingdom
Afshar, P., Elite Club, Malayer Branch, Islamic Azad University, Malayer, Iran
Kersting, L.M., Northern Kentucky UniversityKY, United States; Marley, R.N., University of TampaFL, Un
Calcagno, R., EMLYON Business School, 23 Avenue Guy de Collongue, Écully, 69130, France; Monticone,
Zuhair, S., College of Business, Victoria University, Melbourne, Australia; Wickremasinghe, G., College
Subha, M.V., Anna University, Regional Center, Coimbatore, India; Priya, P.S., Happy Valley Business
Amari, M., University of Sfax, Sfax, Tunisia; Jarboui, A., University of Sfax, Sfax, Tunisia
Roszkowski, M.J., La Salle University, Philadelphia, PA, United States; Glatzer, M., La Salle University
Henager, R., School of Business, Whitworth University, United States; Mauldin, T., Department of Fi
Earl, J.K., University of New South Wales, Australia; Gerrans, P., The University of Western Australia,
Fourie, A., North-West University, Potchefstroom Campus, Building E3, 11 Hoffman Street, Potchefst
Salleh, A.M.H.A.P.M., School of Government and International Affairs, Durham University, Durham,
Agnew, S., Department of Economics and Finance, University of Canterbury, Christchurch, New Zeala
Agarwalla, S.K., Indian Institute of Management Ahmedabad, India; Barua, S.K., Indian Institute of
Subha, M.V., Dept. of Management Studies, Anna University Regional Centre, Coimbatore, India; Priya
Karger, H., Miami University, United States
Tuominen, M.C., Department of Sociology/Anthropology, Denison University, Granville, OH, United Stat
Gil, E.L., University of Denver, Denver, CO, United States
Rustomfram, P., University of Memphis, Memphis, TN, United States; Robinson, B., University of Me
Fisk, P.C.
Gurley-Calvez, T., Department of Health Policy and Management, University of Kansas, United States
Cakmak, A.F., Faculty of Economics and Administrative Sciences, Bulent Ecevit University, Zonguldak,
Potrich, A.C.G., Universidade Federal de Santa Maria, Centro de Educação Superior Norte-RS, Departa
Reich, C.M., University of Memphis, Department of Psychology, Memphis, TN, United States; Berman,
Sabri, M.F., Department of Resource Management and Consumer Studies, Faculty of Human Ecology, Un
Reiter, L., Pennsylvania State University Libraries, University Park, PA, United States
Von Gaudecker, H.-M., Universität Bonn, Department of Economics, Germany
Rakib, M., Fakultas Ekonomi, Universitas Negeri Makassar, Indonesia
Dey, D.K., IBS Business School, IFHE University, Survey No. 156/157, RR District, Hyderabad, 501203, I
Mende, M., College of Business, Florida State University, Tallahassee, FL, United States; van Doorn, J
Steelyana, W.E., Accounting Department, Bina Nusantara University12345, Indonesia; Lie, Y., Accou
Guiso, L., Einaudi Institute for Economics and Finance, Italy; Viviano, E., Bank of Italy, Italy
Vishvesh, R., Sathyabama University, Chennai, India; Venkatraman, B., Kishinchand Chellaram Colleg
Corsini, L., Dipartimento di Scienze per l'Economia e l'Impresa, Università di Firenze, Via delle Pandet
Gamble, K.J., Driehaus College of Business, DePaul University, Chicago, IL 60604, United States; Boyl
Banks, J., University of Manchester, Institute for Fiscal Studies, London, United Kingdom; Crawford,
Agnew, S., University of Canterbury, Christchurch, New Zealand; Harrison, N., University of the West
Van Campenhout, G., KU Leuven, Belgium

Anthony, K.V., Mississippi State University, 310 Allen Hall, Mailstop 9705, Mississippi State, MS 3976
Gill, A., California State University at Fullerton, United States; Bhattacharya, R., California State Uni
Frączek, B., Department of Banking and Financial Markets, University of Economics in Katowice, ul. 1
Clarke, C., Department of Politics and International Studies, University of Warwick, Coventry, Unite
Smith, T.E., College of Social Work, Florida State University, Tallahassee, FL, United States; Richards,
Lahav, E., The School of Business Administration, The College of Management Academic Studies, Israel
Carr, M.M., Association of American Veterinary Medical Colleges, 1101 Vermont Avenue NW, Washing
Shankar, S., Keio Business School, Homat Virgiania #405, 4-11-2 Minamiazabu, Minato-ku, Tokyo, 10
Cameron, M.P., Department of Economics, University of Waikato, Hamilton, New Zealand; Lim, S., D
Marfil, J.A.M., I. E. S. ‘Emilio Prados’, Málaga, Spain; Gutiérrez, Ó.D.M., Departamento de Economía
María De Jesús Velázquez Vázquez, M.C., Ingenieria en Comunicaciones Y Electroacute;nica - Escuela
Holmes, P.R., Holmes and Co., PO Box 312, Gordon, NSW 2072, Australia
Miller, M., World Bank, United States; Reichelstein, J., World Bank, United States; Salas, C., World Ba
Vijay, A., Mechanical Engineering, School of Mechanical and Building Sciences, VIT University, Vellore
Koleda, N., Riga Technical University, Kalnciema 6, Riga, LV-1048, Latvia; Oganisjana, K., Riga Technica
Love, D., Williams College, WilliamstownMA 01267, United States; Phelan, G., Williams College, Wi
Guthrie, C.P., School of Management, Bucknell University, One Dent Drive, Lewisburg, PA 17837, Uni
Kuryleva, O.I., Department of Insurance, Finance and Credit, Nizhny Novgorod State Pedagogical Univ
Bryce-Laporte, R., Pennsylvania Office of Financial Education, United States, Columbia University, Uni
Ali, A., School of Maritime Business and Management, Universiti Malaysia Terengganu, Kuala Teren
Gorshkova, N.V., Volgograd State University, Russian Federation; Mytareva, L.A., Volgograd State Univ
Garmaise, M.J., UCLA Anderson, The Peruvian Banking Superintendency (SBS), United States
Kalyugina, S., North-Caucasus Federal University, Pushkin str.1, Stavropol, 355009, Russian Federatio
Armantier, O., Federal Reserve Bank of New York, United States, Leeds University Business School, U
Kabaci, M.J., Instructor in the Department of Health and Human Development, Montana State Universi
Kristjanpoller, W.D., Departamento de Industrias, Universidad Técnica Federico Santa María, Av. Españ
Romo, L.K., Department of Communication, North Carolina State University, United States
Davis, M.E., Tufts University, Department of Urban and Environmental Policy and Planning, 97 Talbo
Atkinson, L., Stan Richards School of Advertising and Public Relations, University of Texas at Austin,
Heckman, S.J., School of Family Studies and Human Services, Kansas State University, 319 Justin Hal
Huang, J., College for Public Health and Social Justice, Saint Louis University, United States; Nam,
Trejos-Castillo, E.; Davis, G.; Hipps, T.
Bernardo, C.D., Banco Santander Totta SA, Rua do Ouro 88, Lisboa, 1100-063, Portugal; Lagoa, S.C., D
Gunaratne, J., New York University, New York, NY, United States; Nov, O., New York University, New Y
Heng, P., School of Business and Tourism, Southern Cross University, Gold Coast, Australia; Niblock, S.
Angel, S., WU Wien, Austria; Heitzmann, K., WU Wien, Austria
Asano, T., Department of Career and Communication, Yamamura Gakuen College, Saitama, Japan; Yama
Phuong, N.Q., School of Environment, Resources and Development, Asian Institute of Technology, Ban
Austrian, K., Population Council, Nairobi, Kenya; Anderson, A.D., Department of Sociomedical Scienc
Sifaki, E., Department of Media, Culture and Language, University of Roehampton, London, United
Baker, H.E., Department of Psychology, Muskingum University, New Concord, OH, United States; Brow
Elrod, H., University of the Incarnate Word, United States; Forrest, M., University of the Incarnate W
Elrod, H., University of the Incarnate Word, United States; Forrest, M., University of the Incarnate W
Montegary, L., Department of Cultural Analysis and Theory, Stony Brook University, United States
de Zwaan, L., School of Accountancy, Queensland University of Technology, Brisbane, Australia; Brim
Osei-Assibey, E., Department of Economics, University of Ghana, Accra, Ghana
Kärner, T., Otto-Friedrich-Universität Bamberg, Kärntenstraße 7, Bamberg, 96052, Germany; Warwas,
Israel, S., Department of Psychology and Neuroscience, Duke University, Durham, NC 27708, United
Haslem, J.A., Department of Finance, Robert H. Smith School of Business, University of Maryland, Col
Buchanan, B., Department of Finance, Albers School of Business and Economics, Seattle University, S
Witek, M., Department of Radiation Oncology, Jefferson Medical College, Thomas Jefferson University,
Cohen, M.B., Deakin Graduate School of Business, Deakin University, Melbourne, VIC, Australia
Esendemirli, E., Department of International Trade and Finance, Ya͆ar University, Universite Cad. No:3
Zhang, A.C., Department of Finance, Auckland University of Technology, Auckland, New Zealand
Gathergood, J., Centre for Finance, Credit and Macroeconomics (CFCM), University of Nottingham, S
Goda, G.S., Stanford Institute for Economic Policy Research, Stanford University, United States, Ins
Usher, A.M., Institute for Work and Health, 481 University Avenue, Toronto, ON, Canada; Breslin, C.
Lusardi, A., George Washington School of Business, United States, Global Financial Literacy Excellenc
Jian, J., Department of Human Development and Family Studies, University of Rhode Island, Transition
Zafarghandi, A.S., Department of Management, College of Humanities, Yazd Science and Research Bra
Fazli Sabri, M., Department of Resource Management and Consumer Studies, Universiti Putra Malaysia
Biener, C., University of St. Gallen, Switzerland; Eling, M., University of St. Gallen, Switzerland; Schm
Oehler, A., Bamberg University, Bamberg, Germany; Höfer, A., Department of Finance, Bamberg Uni
Bruhn, M., The World Bank, 1818 H Street NW, Washington, DC 20433, United States; Lara Ibarra, G
Frijns, B., Department of Finance, Auckland University of Technology, New Zealand; Gilbert, A., De
Drexler, A., University of Texas Austin, McCombs School of Business, University of Texas at Austin,
Greenfield, C., School of Media and Communication, RMIT University, GPO Box 2476, Melbourne 3001
Van Rooij, M., De Nederlandsche Bank, Netherlands, ; Teppa, F., De Nederlandsche Bank, Netherlands
Grimes, P.W., Kelce College of Business, Pittsburg State University, Kansas, United States, Mississippi
Duca, J.V., Research Department, Federal Reserve Bank of Dallas, P.O. Box 655906, Dallas, TX 75265,
Sharma, A., Department of Industrial Design, 210 Burchard Hall, Blacksburg, VA 24061, United States
Markoe Hayes, S., Volunteers of America Greater Los Angeles, 3600 Wilshire Blvd., Los Angeles, CA 9
Adhikary, A., Department of Management Studies, Sikkim Manipal Institute of Technology, Mazitar, Ea
Bay, C., Department of Business Studies, Uppsala University, Box 513, SE-751 20 Uppsala, Sweden; C
Karunarathne, W., Department of Economics, University of Melbourne, Australia; Gibson, J., Depart
Gibson, J., Development Economics Research Group, World Bank, United States; McKenzie, D., Waika
Giannetti, C., Department of Economics, University of Bologna, Bologna, Italy; Madia, M., AREL-Agenzi
Fisch, J.E., Department of Law, University of Pennsylvania, Law School, United States; N, T.W.-R., D
Schicks, J., Centre for European Research in Microfinance (CERMi), Université Libre de Bruxelles, Bel
van Wyk, M.M., Department of Curriculum and Instructional Studies, School of Teacher Education, Coll
Sorooshian, S., University Malaysia Pahang, Malaysia; Seng Teck, T., School of Business, INTI Interna
Burke, M.A., Research Department, Federal Reserve Bank of Boston, United States; Manz, M., Internatio
Xia, T., School of Economics and Management, Tsinghua University, Beijing, 100084, China; Wang, Z.,
Wilson, R.M.S., Loughborough university, United States; Mason, C.L.J., Loughborough university, Unit
Fatoki, O., Department of Business Management, Turfloop Campus, University of Limpopo, Limpopo P
Jang, K., Department of Social Studies Education, Inha University, Yonghyeon-dong, Nam-gu, Incheon
Letkiewicz, J.C., York University, Canada; Fox, J.J., Human Development and Family Studies, Iowa Stat
Cameron, M.P., Department of Economics, University of Waikato, Private Bag 3105, Hamilton, 3240, N
Hetling, A., Bloustein School of Planning and Public Policy, Rutgers, The State University of New Jers
Schuhen, M., University of Siegen, Germany; Schürkmann, S., University of Siegen, Germany
Kunovskaya, I.A., College of Family and Consumer Sciences, University of Georgia, 226 Hoke Smith A
Clark, G.L., Smith School of Enterprise and the Environment, Oxford University, Hinshelwood Road, O
Ciemleja, G., Riga Technical University, 6 Kalnciema str., Riga, LV1048, Latvia; Lace, N., Riga Technical
Bose, S., National Institute of Public Finance and Policy, New Delhi, India; Sardana, A., Eklavya, Madh
Akben-Selcuk, E., Kadir Has University, Turkey; Altiok-Yilmaz, A., Bahcesehir University, Turkey
Bosshardt, W., Department of Economics, Florida Atlantic University, United States; Walstad, W.B.,
Navickas, M., ISM University of Management and Economics, E. Ožeškienes g. 18, LT-44254 Kaunas, Lithua
Han, S.D., Department of Behavioral Sciences, Rush University Medical Center, Chicago, IL, United Sta
Turner, J.A., Pension Policy Center, United States; Muir, D.M., Stephen M. Ross School of Business, U
Blue, L., School of Professional Studies and Education, Griffith University, Gold Coast, 4222, Australia
Shih, T.-Y., Department of International Business, National Taipei College of Business, No. 321, Sec.
Barry, D., Johannes Gutenberg-University Mainz, Jakob-Welder-Weg 9, Mainz, 55128, Germany; Bender
Jagman, H., Instruction, and Academic Engagement, United States; Lewis, K., Engagement Librarian, Uni
Shen, N., Department of Business Administration, Hong Kong Shue Yan University, Braemar Hill Road
Cox, R., The Netherlands Authority for the Financial Markets (AFM), Amsterdam, Netherlands; Broun
Moon, C.-S., Sookmyung Women's University, South Korea; Ohk, K., Sookmyung Women's University,
Roggenkamp, J., Collin College, United States
Fernandes, D., Rotterdam School of Management, Erasmus University, 3000 DR Rotterdam, Netherlands, C
Nkundabanyanga, S.K., Department of Accounting, Makerere University Business School, Kampala, Ug
Bateman, H., School of Risk and Actuarial Studies, University of New South Wales Sydney, NSW 2052, A
Bucher-Koenen, T., Max-Planck-Institute for Social Law and Social Policy, Munich and Netspar, Germa
Ramlall, I., Department of Economics and Statistics, University of Mauritius, Réduit, Mauritius
Varum, C., University of Aveiro, GOVCOPP, Portugal; Santos, E., University of Aveiro, GOVCOPP, Portug
Mukherjee, A., Mobile Experience Laboratory, Massachusetts Institute of Technology, E15-320, 20 Am
Lusardi, A., George Washington School of Business, 2201 G Street, Washington, D.C. 20052, United St
Calcagna, R., EMLyon Business School and CeRP, Collegio Carlo Alberto, Italy; Brancati, M.C.U., Unive
Lachance, M.-E., San Diego State University, United States
Lusardi, A., George Washington University, United States; Mitchell, O.S., University of Pennsylvania,
Wilck IV, J., Department of Engineering, East Carolina University, United States; Lynch, P.C., Departm
Xiao, J.J., Department of Human Development and Family Studies, University of Rhode Island, Kingston,
Shefrin, H., Santa Clara University, Department of Finance, Lucas Hall, 500 El Camino Real, Santa Cla
Babiarz, P., Department of Consumer Sciences, The University of Alabama, 312 Adams Hall, Box 870158,
Stauner, K., Lehrgebiet Geschichte und Gegenwart Alteuropas, Historisches Institut, Fern Universität
Ricci, O., Department of Business Studies, University of Roma Tre, Rome, Italy; Caratelli, M., Departm
Svobodová, L., Department of Economics, Faculty of Informatics and Management, University of Hrad
Thiessen, A., University of Economics in Bratislava, Faculty of Business Economics seated in Košice,
Rogers, J., UCLA Graduate School of Education and Information Studies, 1032b Moore Hall, Los Angel
Gerrans, P., UWA Business School, University of Western Australia, M250 35 Stirling Highway, Crawley
Beggs, M., Political Economy, University of Sydney, Australia; Bryan, D., Political Economy, University
Marianela Denegri, C., Departamento de Psicología, Universidad de La Frontera, Av. Francisco Salazar
Brown, J.R., University of Illinois at Urbana-Champaign and NBER, United States; Weisbenner, S.J., U
Rajola, F., Department of Management, Università Cattolica del Sacro Cuore, Largo Gemelli 1, Milan, 20
Dowling, B.
Marešová, P., University of Hradec Kralove, Faculty of Informatics and Management, Department of E
Agalliu, A., Tirana European University, Finance Department, Albania
Doi, Y., World Bank, United States; McKenzie, D., World Bank, United States, BREAD, United Kingdo
Glukhov, V.V., Far Eastern Federal University, Sukhanova street, 8, 690950, Vladivostok, Russian Feder
Choi, Y.K., Department of Finance, College of Business Administration, University of Central Flori
Demirgüç-Kunt, A., The World Bank, Washington D.C, United States
Delgadillo, L.M., Department of Family, Consumer and Human Development, Utah State University, U
Rappleyea, D.L., Department of Child Development and Family Relations, East Carolina University, Gre
Emmanuel, U., Department of Accounting, Rhema University, Aba, Abia State, Nigeria; Ayorinde, B., D
Brancewicz, J.G., Greater New Orleans, Inc., United States; Pattison, J., Greater New Orleans, Inc., Un
Kempf, A., Centre for Financial Research (CFR), University of Cologne, Germany; Merkle, C., Unive
Cheang, M., Family and Consumer Sciences Department, University of Hawaii at Manoa, Honolulu, HI,
Nishiyama, S., Congressional Budget Office, Washington, DC 20515, United States; Smetters, K., Wha
Heinrich, P., University of Zurich, Binzmühlestr. 14, Zurich, 8050, Switzerland; Kilic, M., University o
Stango, V., Graduate School of Management, University of California-Davis, One Shields Avenue, Davi
Flores, S.A.M., Federal University of Pampa, Brazil; Vieira, K.M., Federal University of Santa Maria,
Elliot, E.A., Suffolk University, Boston, MA, United States; Cherian, J., St. Xavier University, Chicago, I
Lorence, J., Kinesiology and Community Health, University of Illinois, Huff Hall, 1206 S. Fourth Stree
Bird, C.L., Deparment of Youth, Family, and Community Sciences, North Carolina State University, Ra
Clark, R.L., Department of Economics, North Carolina State University, Raleigh, NC 27695-8110, Unite
González-Sánchez, V.M., UNED-National University of Distance Education, Department of Applied Econo
Whitaker, E.A., Central Michigan University, Mount Pleasant, MI, United States; Bokemeier, J., Michig
Eling, M., Institute of Insurance Economics, University of St. Gallen, Kirchlistrasse 2, St. Gallen 901
Kainz, K., Frank Porter Graham Child Development Institute, CB# 8185, University of North Carolina at
Zyed, Z.A.S., Department of Estate Management, Faculty of Built Environment, University of Malaya,
Mahastanti, L.A., Management Department, Satya Wacana Christian University, Salatiga, Indonesia;
Asarta, C.J., Department of Economics, University of Delaware, 102 Alfred Lerner Hall, Newark, DE 19
Danes, S.M., Department of Family Social Science, University of Minnesota, 290 McNeal Hall 1985 Buf
Monti, M., IBM, Italy, University Vita-Salute San Raffaele, Italy, Center of Adaptive Behavior and C
Mendenhall, R., Departments of Sociology, African American Studies, and Urban and Regional Planning
Wobker, I., Zeppelin University, Am Seemooser Horn 20, 88045 Friedrichshafen, Germany; Kenning,
Veludo-de-Oliveira, T.M., Department of Marketing, Escola de Administração de Empresas de São Paul
Zaheenah Chummun, B., School of Accounting, Economics and Finance, University of KwaZulu-Natal Wes
Heinberg, A.; Hung, A., RAND Corporation, United States; Kapteyn, A., USC Dornsife Center for Econom
Gómez, Y.M.G., Universidad de La Frontera, Universidad Católica de Temuco, Chile; Chacaltana, M.M.,
Moseson, H., Department of Epidemiology and Biostatistics, University of California, San Francisco, C
Rehman, R., Dept. of Biological and Biomedical Sciences, Aga khan University, Karachi, Pakistan; Katpa
Petrášková, V.
Meraz, A.A., University of Minnesota Extension, Mankato, United States; Petersen, C.M., University of
Fry, A., Parsons The New School for Design, 2 West 13th Street, New York, NY 10011, United States;
Han, J.-J., School of Global Finance and Banking, Inha University, South Korea; Jang, W., School of Ec
De La Orden De La Cruz, M.D.C., Universidad Rey Juan Carlos de Madrid, Spain
Figart, D., Stockton Center for Economic and Financial Literacy, Richard Stockton College of New Jers
Nguyen, V.P.K.H., Undergraduate Medical Education, Wightman Berris Academy, Faculty of Medicine, U
Gordon Nembhard, J., Africana Studies Department, John Jay College, City University of New York, 5
Nicolini, G., University of Rome 'Tor Vergata', Rome, Italy; Cude, B.J., University of Georgia, Athens,
Tisdell, E.J., Penn State University-Harrisburg, Middletown, PA, United States; Taylor, E.W., Penn Sta
Eresia-Eke, C.E., University of Pretoria, Department of Business Management, South Africa; Raath, C
Meier, S., Columbia University, Graduate School of Business, 710 Uris Hall, 3022 Broadway, New York
Sabbaghi, O., College of Business Administration, University of Detroit Mercy, 4001 W. McNichols Road,
James, B.D., Department of Internal Medicine, Rush Alzheimer's Disease Center, Rush University Medica
Klapper, L., World Bank, United States; Lusardi, A., George Washington University, School of Business,
Smith, C.A., School of Library and Information Studies, University of Wisconsin, Madison, United Stat
Cappelletti, G., Research Department, Bank of Italy, Via Nazionale, 91, Rome 00184, Italy; Guazzarott
Caliendo, F.N., Department of Economics and Finance, Jon M. Huntsman School of Business, Utah State
Ferguson Jr., R.W., TIAA-CREF, United States
Appleyard, L., School of Social Policy, University of Birmingham, United Kingdom; Rowlingson, K., Sch
St.Pierre, E., Oklahoma State University, Stillwater, OK, United States; Shreffler, K., Oklahoma State U
Vinnari, E., Turku School of Economics, Finland; Näsi, S., University of Tampere, Finland
Berk, A.S., University of Ljubljana, Slovenia; Cok, M., University of Ljubljana, Slovenia; Kosak, M., Univ
Worthington, A.C., Department of Accounting, Finance and Economics, Griffith University, 170 Kessel
Drew, J.M., School of Criminology and Criminal Justice, Griffith University, Mt Gravatt, QLD 4122, Aust
Ricaldi, L., Department of Personal Financial Planning, Texas Tech University, United States; Finke,
Jerven, M., School for International Studies, Simon Fraser University, Vancouver, Canada
Dean Craig, J., Department of Economics, College of Letters, Arts and Sciences, 257 Dwire Hall, 1420
Li, Y., School of Business Administration, University of California, Riverside, United States; Baldass
Kim, J., University of Maryland College Park, United States; Braun, B., University of Maryland College
Basu, A.K., QUT Business School, Queensland University of Technology, GPO Box 2434, Brisbane, QLD 4001
Clemenson, B., Case Western Reserve University, Weatherhead School of Management, 10900 Euclid Ave
Aira, T., Wellspring, NGO, Peace Avenue, Ulaanbaatar 210648, Mongolia, Global Health Research Center
Jariwala, H.V., V.M. Patel Institute of Management, Ganpat University, Mehsana-Gozariya Highway,
Boyle, P.A., Rush Alzheimer's Disease Center and Department of Behavioral Sciences, Rush University
Chatterjee, S., University of Georgia, United States

Bendavid-Hadar, I., Bar Ilan University, Tel Aviv, Israel; Hadad, Y., Bar Ilan University, Tel Aviv, Israel
Shahriar Ferdous, A., School of Management and Marketing, Deakin University, Melbourne, Australia
Jappelli, T., University of Naples Federico II, CSEF, Italy; Padula, M., University Ca' Foscari of Venice, C
Sprow Forté, K., The Pennsylvania State University, Harrisburg, 777 W. Harrisburg Pike, Middletown,
Ziegelmeyer, M., Banque centrale du Luxembourg and Munich Center for the Economics of Aging, 2,
Cramer, M., Product Design, Citrix Systems, United States; Hayes, G.R., Department of Informatics, Univ
Gerardi, K., Research Department, Federal Reserve Bank of Atlanta, Atlanta, GA 30309, United States
Ward, K.
Glukhov, V., Far Eastern Federal University, Vladivostok, Russian Federation; Timofeeva, E., Far Easte
Disney, R., University College London, United Kingdom, Institute for Fiscal Studies, United Kingdom;
Buckland, J., International Development Studies, Menno Simons College, 210-520 Portage Ave, Winni
Kindle, P.A., University of South Dakota, Department of Social Work, 414 East Clark Street, Vermillio
Walstad, W.B., University of Nebraska-Lincoln, United States; Rebeck, K., St. Cloud State University (M
Shahrabani, S., Max Stern Yezreel Valley College, Israel
Chan, C.C., Department of Applied Social Sciences, Hong Kong Polytechnic University, Hong Kong; Lai
Brounen, D., Tilburg University Netherlands, Netherlands; Kok, N., Maastricht University Netherlands,
Landerretche, O.M., Department of Economics, University of Chile, Chile; Martínez, C., Department of
Schmeiser, M.D., Federal Reserve Board, United States; Seligman, J.S., John Glenn School of Public Aff
Clark, G.L., Smith School of Enterprise and the Environment, University of Oxford, Hinshelwood Road
Bruhn, M., Finance and Private Sector Development Team of the Development Research Group, The W
Lee, A., Communication, AUT University, Auckland, New Zealand; Xu, Y., Marketing, AUT University,
Van der Cruijsen, C., De Nederlandsche Bank, PO Box 98, 1000 AB, Amsterdam, Netherlands; De Haan
Page, J., School of Social Work, Texas A and M University at Commerce, PO Box 3011, Commerce, TX
Moein Addin, M., Department of Accounting, Yazd Branch, Islamic Azad University, Yazd, Iran; Nayebza
Paseková, M., Tomas Bata University in Zlín, Department of Finance and Accounting, T.G. Masaryk Squa
Hullgren, M., Centre for Banking and Finance (Cefin) at The Royal Institute of Technology, Stockholm
Becchetti, L., Department of Economics and Institutions, University of Rome Tor Vergata, Rome, 0013
Brown, R.P.C., School of Economics, University of Queensland, St Lucia, Brisbane, Australia; Carmign
Mohd-Sulaiman, A.N., Faculty of Law (Ahmad Ibrahim Kulliyyah of Laws), International Islamic Unive
Zocchi, P., Department of Economics and Business Studies, Università degli Studi del Piemonte Orient
Mahdzan, N.S., University of Malaya, Kuala Lumpur, Malaysia; Peter Victorian, S.M., Transformatio
Sabarwal, S., Population Council, New Delhi, India; Santhya, K.G., Population Council, New Delhi, India
Mahdzan, N.S., Faculty of Business and Accountancy, University of Malaya, 50603 Lembah Pantai Kuala
Söderberg, I., Centre for Banking and Finance, School of Architecture and the Built Environment, Roy
Petersen, C.M., University of Minnesota Extension, Minneapolis, MN, United States; Heins, R.K., Uni
Ferguson Jr., R.W., TIAA-CREF, United States
Swanson, P.C.W., University of California Cooperative Extension, San Diego, CA, United States
Scholnick, B., School of Business, University of Alberta, Edmonton, Canada; Massoud, N., Schulich Sch
Kumar, N., School of Information, University of California, Berkeley, United States; Mathur, A., Enabl
Starobin, S.S., School of Education, Iowa State University, N131 Lagomarcino Hall, Ames, IA 50011, U
Jiyane, G., Department of Information Science, University of South Africa, Pretoria, South Africa; Zaw
Ekanem, I., Middlesex University Business School, London, United Kingdom
Silvia, J.E., Northeastern University, Upstate, NY, United States; Quinlan, T., Siena College, Upstate, N
Murphy, J.L.
Jokela, B.H., University of Minnesota Extension, Family Resource Management Regional, Cloquet, MN,
Wiener, R.L.; Cantone, J.A.; Holtje, M.; Block-Lieb, S.
Cameron, M.P., Department of Economics, University of Waikato, Hamilton, New Zealand; Calderwood,
Postmus, J.L., Center on Violence Against Women and Children, School of Social Work, Rutgers Univer
Pinto, L.E., College of Education, Niagara University, Toronto, Canada
Hastings, J.S., Department of Economics, Brown University, Providence, RI 02912, United States, N
Dawes, T.A., Washington University, St. Louis, United States

Drew, J.M., School of Criminology and Criminal Justice, Griffith University, Mt Gravatt, QLD 4122, Aust
Vidovićová, L., Research Institute for Labour and Social Affairs, Jostova 10 (Room 3.18), Brno, 60200,
Orbánová, D., Ekonomická univerzita v Bratislave, Slovakia; Velichová, L., Ekonomická univerzita v Brat
Brimble, M., Griffith Business School, Griffith University, Logan Campus, Brisbane 4131, Australia; Blue,
Lo Prete, A., University of Turin, Department of Economics, Via Po 53, 10124 Torino (TO), Italy
sabri, M.F., Universiti Putra Malaysia, Malaysia; Paim, L., Universiti Putra Malaysia, Malaysia; Falahat
Redzic, A., Iome Challenge, United States
Carter, E.V., California State University, Bakersfield, Bakersfield, CA, United States
Fasuga, R., VŠB Technical University of Ostrava, Ostrava-Poruba, Czech Republic; Banot, M., Institu
Osbourne, D.; Admise, P.
Guiso, L., Einaudi Institute for Economics and Finance, Via Sallustiana 62, 00187 Rome, Italy; Sodi
De La Orden De La Cruz, M.D.C., Universidad Rey Juan Carlos de Madrid, Spain
Girasa, R., Dept. of Legal Studies and Taxation, Pace University, United States
Danes, S.M., Family Social Science Department, University of Minnesota, 290 McNeal Hall, St. Paul,
Brucker, E., Department of Economics, Finance, and Tax, School of Business Administration, Widener
Gelfand, J., University of California, Irvine (UCI), United States; Lin, A., Irvine Valley College, United St
Berger, E., 58WNorth Blvd, Chicago, IL 60610, United States; Nakata, C., Department of Marketing and I
Falahati, L., Department of Resource Management and Consumer Studies, Faculty of Human Ecology,
Warner, C.K., Department of Curriculum and Teaching, University of Kansas, United States; Agnello, M
Pinto, L.E., College of Education, Niagara University, Toronto, Canada
Arthur, C., Department of Education, York University, Toronto, Canada
Bongini, P., University of Milano-Bicocca, via B. degli Arcimboldi 8, Italy; Trivellato, P., University of
Kumar, K.S., School of Management, SASTRA University, Thanjavur, India; Vijayabanu, C., SASTRA Univ
Zhu, H., Old Dominion University, United States; Shen, Y., Old Dominion University, United States
Bönte, W., Schumpeter School of Business and Economics, University of Wuppertal, Gaußstraße 20,
Iskandar, T.M., School of Accounting, Faculty of Economics and Management, Universiti Kebangsaan
Grinstein-Weiss, M., Brown School of Social Work, Center for Social Development, Washington Universit
Orozco, M., Inter-American Dialogue, Washington, DC, United States
Hamilton, L., Juniata College, Huntingdon, PA, United States; Shobe, M., University of Arkansas, Fayette
Söderberg, I.-L., Centre for Banking and Finance, KTH - The Royal Institute of Technology, Brinellv.
Läänemets, U., Estonian Academy of Music and Theatre, Tallinn, Estonia
Kale, J.R., Finance and Control, Indian Institute of Management Bangalore, Bannerghatta Road, Banga
Sood, P.B., Jaypee University of Information Technology, Waknaghat, Solan, 173234, India; Choudhary
Nelson, A., RMIT University, Melbourne, VIC, Australia
Almenberg, J., Ministry of Finance, Stockholm, SE-103 33, Sweden; Gerdes, C., Swedish Institute for
Smith, P.H., Department of Teacher Education, University of Texas at El Paso, El Paso, TX 79968, Unit
Cook, N.P.S., Furman University, United States; Underwood, R.L., Furman University, United States
James, B.D., Rush Alzheimer's Disease Center, Rush University Medical Center, 600 S. Paulina Street,
Altman, M., School of Economics and Finance, Victoria University of Wellington, New Zealand, Econo
Clark, R.L., Department of Economics and Department of Management, Innovation and Entrepreneurship
Hu, H.T.C., School of Law, University of Texas at Austin, Austin, TX 78705, United States
Sevim, N., Bozuyuk Vocational School, Bilecik University, Bozuyuk, Turkey; Temizel, F., Faculty of Econ
Huston, S.J., Department of Personal Financial Planning, Texas Tech University, Lubbock, TX, United S
Gaurav, S., Indira Gandhi Institute of Development Research, Goregaon (E), Mumbai, 400065, India; S
von Normann, K., Rheinische Friedrich-Wilhelms-Universität, Bonn, Germany; Reinhart-Maack, S., Rh
Knoll, M.A.Z., US Social Security Administration, United States; Houts, C.R., Vector Psychometric Gro
West, J., Department of Accounting, Finance and Economics, Griffith Business School, Griffith Univers
Mak, V., Tilburg University, Tilburg, Netherlands; Braspenning, J., Tilburg University, Tilburg, Netherl
Crain, S.J., Finance and General Business Department, Missouri State University, Springfield, MO, Uni
Taylor, E.W., School of Behavioral Sciences and Education, The Pennsylvania State University, Harrisbu
Huston, S.J., Department of Personal Financial Planning, Texas Tech University, Lubbock, TX, 79409, U
Perry, V.G., George Washington University, School of Business, Department of Marketing, Washington
Preuße, H., Institute of Household Science, Justus Liebig University Gießen, Gießen, Germany
Sohn, S.-H., Department of Consumer Science, Research Institute of Human Ecology, Seoul National U
Gale, W.G., Federal Economic Policy, Brookings Institution, United States; Harris, B.H., Council of Ec
Signal, L., University of Otago Wellington - Public Health, PO Box 7343 Mein St, Newtown, Wellingt
Behrman, J.R., Dept. of Economics and Sociology, School of Arts and Sciences, University of Pennsylv
Gustman, A.L., Department of Economics, Dartmouth College, Hanover, NH 03755, United States; Stei
Špiranec, S., University of Zagreb, Department of Information and Communication Sciences, Faculty of
Carlin, B.I., University of California, Los Angeles, United States; Robinson, D.T., Duke University, Unit
Lusardi, A., George Washington University School of Business, Washington, DC, United States
Shambare, R., Tshwane University of Technology, Pretoria, South Africa; Rugimbana, R., South Africa
Frank, H., Department of Public Administration, Florida International University, 11200 8th Street, P
Vermund, S.H., Vanderbilt Institute for Global Health, 2525 West End Ave., Nashville, TN 37203, Unite
Bennett, J.S., Rush Alzheimers Disease Center, Rush University Medical Center, Chicago, United State
Gibbs, A., Health Economics and HIV/AIDS Research Division (HEARD), University of KwaZulu-Natal, D
Hawkins, R.L., Silver School of Social Work, New York University, 1 Washington Square North, New Yo
Gathergood, J., University of Nottingham, School of Economics, Nottingham NG7 2RD, United Kingd
Sachse, K., Technische Universität (TU) Berlin, Department of Psychology and Ergonomics, FR 2-6, Fr
Fenge, L.-A., School of Health and Social Care, Bournemouth University, R503, Royal London House
van Rooij, M.C.J., De Nederlandsche Bank, Netspar, Netherlands; Lusardi, A., De Nederlandsche Bank,
Li, J., University of Tennessee, 1015 Volunteer Boulevard, Knoxville, TN 37996-1000, United States
Gilleskie, D.B., Department of Economics, University of North Carolina, Chapel Hill, United States; Sa
Rustad, C., University of Minnesota, Department of Food Science and Nutrition 225 FScN, 1334 Eckles
Hahn, J., Department of Social Studies Education, Gyeongin National University of Education, South K
Fonseca, R., Universite du Quebec a Montreal, Canada, RAND, United States; Mullen, K.J., RAND, Unite
Bateman, H., Australian School of Business, University of New South Wales, Sydney, NSW, Australia; Ec
Postmus, J.L., Center on Violence Against Women and Children, Rutgers University, School of Social
Paolacci, G., Erasmus University Rotterdam, Laboratorio di Economia Sperimentale, Fondazione Ca' Fo
Livengood, S.P., University of Akron, Wayne College, United States; Venditti, K.L., Ashland University
Ohlsson, C., School of Business, Economics and Law, Göteborg University, Göteborg, Sweden
Delafrooz, N., Department of Resource Management and Consumer Studies, Faculty of Human Ecology, U
Remmele, B., WHL Graduate School of Business and Economics, Lahr, Germany; Seeber, G., Institute f
López, S.F., Universidad de Santiago de Compostela, Spain; Búa, M.V., Universidad de Santiago de Co
Arthur, C.
Browning, C., Accounting Department, East Central University, 1100 E. 14th St., Ada, OK 74820, Unit
Agnew, J.R., College of William and Mary, Mason School of Business, P.O. Box 8795, Williamsburg, V
Hecht, C., FX Strategy Research, Commerzbank AG, Frankfurt am Main, Germany; Hanewald, K., School
Morrin, M., Department of Marketing, School of Business, Rutgers University, United States; Broniarc
Elbogen, E.B., Department of Psychiatry, University of North Carolina-Chapel Hill School of Medicin
Osei-Assibey, E., Graduate School of International Development, Nagoya University, Nagoya, Japan,
Johri, A., Department of Engineering Education, Virginia Tech, United States; Sharma, A., Department
Chlouba, T., University of Hradec Králové, Rokitanského 62, Hradec Králové 50003, Czech Republic; Š
Tomášková, H., University of Hradec Králové, Rokitanského 62, Hradec Králové 50003, Czech Republic
Bolton, L.E., Department of Marketing, Smeal College of Business, Pennsylvania State University, Uni
Gaurav, S., Indira Gandhi Institute of Development Research, India; Cole, S., Department of Busines
Gudmunson, C.G., Iowa State University, 4380 Palmer Building, Suite 1323, Ames, IA 50011, United St
Sandlant, R., Financial Advice Reform Unit, Retail Investor Division of Markets Group, Department of
Gill, A.M., Department of Economics, California State University, Fullerton, United States; Gratton-Lavo
O'rand, A.M., Duke University, United States
Cole, S., Harvard Business School, Harvard University, The World Bank, United States; Sampson, T., H
Maurer, T.W., Department of Hospitality, Tourism, and Family and Consumer Sciences, Georgia Southe
Levinger, B., Harvard Kennedy School of Government, 79 John F. Kennedy Street, Cambridge, MA 02138
Maat, H.P., Utrecht Institute of Linguistics OTS, Utrecht University, Trans 10, 3512 JK Utrecht, Nether
Tsai, L.C., Global Health Research Center of Central Asia and Social Intervention Group, Columbia Un
Lee, T., Department of Communication, Bradley University, 1501 West Bradley Avenue, Peoria, IL 6162
Elbogen, E.B., University of North Carolina-Chapel Hill, PRRC, Durham VA Medical Center, Durham, N
Mraović, B., Faculty of Geodesy, University of Zagreb, Zagreb, Croatia
Sánchez-Rebull, M.-V., Departamento de Gestión de Empresas Facultad de Ciencias Económicas y Empresa
Cheng, P., Department of Finance, Florida Atlantic University, 777 Glades Road, Boca Raton, FL 33431,
Collins, J.M., University of Wisconsin-Madison, United States, Center for Financial Security, Universi
Agnew, J., Center for Interdisciplinary Behavioral Finance Research, Mason School of Business, Colleg
Agarwal, S., Research Department, Federal Reserve Bank of Chicago, United States, Department of Fina
Hastings, J., Economics Department, Yale University, United States, National Bureau of Economic Res
Crossan, D.
Mitchell, O.S., Pension Research Council, Wharton School of the University of Pennsylvania, United
Yoong, J., RAND, United States
Utkus, S.P., Vanguard Center for Retirement Research, United States, Wharton School of the Universi
Clark, R.L., North Carolina State University, United States, Employee Benefit Research Institute, Un
Holzmann, R., Marseille Center for Mediterranean Integration, France, Russia Trust Fund of the Worl
Lusardi, A., The George Washington, University School of Business and Netspar, United States; Mitche
Almenberg, J., Ministry of Finance, Sweden; Säve-Söderbergh, J., The Swedish Institute for Social Res
Atkinson, A., OECD, United States; Messy, F.-A., OECD, United States
Sekita, S., Kyoto Sangyo University, Japan
Klapper, L., The World Bank, United States; Panos, G.A., Essex Business School, University of Essex,
Lusardi, A., The George Washington, University School of Business and Netspar, United States; Mitche
Fornero, E., University of Torino, CeRP-Collegio Carlo Alberto, Italy; Monticone, C., OECD, CeRP-Colle
Crossan, D., New Zealand Retirement Commissioner, United States; Feslier, D., Retirement Commissio
Bucher-Koenen, T., Munich Center for the Economics of Aging (MEA), Max-Planck-Institute for Social
Harris, G.L.A., Mark O. Hatfield School of Government, College of Urban and Public Affairs, Portland S
Herrera A., M.G., Universidad de Magallanes, Av. Bulnes 01855, Punta Arenas, Chile; Estrada G., C.A.
Asher, M.G., Lee Kuan Yew School of Public Policy, National University of Singapore, Singapore; Vasu
Sherraden, M.S., University of Missouri-St. Louis, One University Boulevard, St. Louis, MO 63121, Uni
Williams, O.J., Scalpel Research Ltd., 84 Brook Street, London W1K 5EH, United Kingdom; Satchell, S.
van Rooij, M., Dutch Central Bank, Netherlands, Netspar, Netherlands; Lusardi, A., Netspar, Netherl
Van Rooij, M.C.J., Economics and Research Division, De Nederlandsche Bank, P.O. Box 98, 1000 AB Am
Teo, T., Nanyang Technological University, Singapore; Koh, N.K., Nanyang Technological University, S
Delafrooz, N., Department of Resource Management and Consumer Studies, Faculty of Human Ecology,
Farnsworth, V., School of Education, Post-14 Research Group, University of Leeds, Leeds LS2 9JT, Un
Hite, N.G., Emporia State University, Emporia, KS, United States; Slocombe, T.E., Emporia State Univers
Boon, T.H., University of Nottingham Malaysia, Malaysia; Yee, H.S., University of Nottingham Malaysi
Zhu, H., Old Dominion University, Norfolk, VA 23529, United States
Harrison, N., Department of Education, University of the West of England, Bristol, United Kingdom; Ch
Butters, R.B., University of Nebraska-Lincoln, United States; Asarta, C.J., University of Nebraska-Linco
De Bruin, W.B., Department of Social and Decision Sciences and Department of Engineering and Public
Grimes, P.W., Mississippi State University, United States; Millea, M.J., Mississippi State University, Un
Power, M.L., College of Business, Iowa State University, 3214 Gerdin Business Building, Ames, IA 5001
Thomas, A., Chair for Civil Law, European and International Business Law, University of Munich Lu
Hines, S.L., College of Agricultural and Life Sciences, University of Idaho, Twin Falls, ID, United States
Cull, M., University of Western Sydney, Australia; Whitton, D., University of Western Sydney, Australi
Alessie, R., University of Groningen, Tinbergen Institute and Netspar, Netherlands; Van Rooij, M., D
Vehovec, M., Znanstvena savjetnica, Ekonomski institut, Zagreb, Croatia
Williams, D., Walden University, TX, United States; Grizzell, B., Colorado State University-GC, Colorado,
Akhtar, M.N., Iqra University, Islamabad Campus, Pakistan; ur Rehman, K., Iqra University, Islamabad
Richins, M.L., Trulaske College of Business, University of Missouri, United States
Goetz, J., Department of Housing and Consumer Economics, University of Georgia, 205 Dawson Hall,
Lucey, T.A., Illinois State University, United States; Maxwell, S.A., The University of Memphis, United
Haynes, D.C., Dept. of Health and Human Development, Herrick Hall, Montana State University, Bozem
Swan, K., College of Education, University of Kentucky, 343 Dickey Hal, Lexington, KY, 40506, United
Ghazzawi, I., University of La Verne, United States
Hanna, M.E., University of Houston, Clear Lake, United States; Hill, R.R., University of Houston, Clear
Borodich, S., Drury University, United States; Deplazes, S., University of Kansas, United States; Kardas
Dvorak, T., Union College, Economics, 807 Union St, Schenectady, United States; Hanley, H., Greenwic
Byrd, S.D., Missouri State University, United States; Byrd, D.B., Missouri State University, United Stat
Koh, N.K., National Institute of Education, 1 Nanyang Walk, Singapore 637616, Singapore; Lee, C.B.,
Croy, G., School of Accounting, Finance and Economics, Edith Cowan University, Australia; Gerrans, P
Fien, J., RMIT University, Melbourne, VIC, Australia; Maclean, R., UNESCO-UNEVOC International C
Jappelli, T., University of Naples Federico II, CSEF, CEPR, Italy
Banks, J., Institute for Fiscal Studies, University College London, United Kingdom
Fernández-López, S., Faculty of Economics and Business, Santiago de Compostela, Spain; Otero, L., F
Kindle, P.A., CPA, LMSW, Department of Social Work, University of South Dakota, 1400 W. 22nd Street
Reuben, L., Duke University: The Fuqua School of Business, 1 Towerview Drive, Durham, NC 27708, U
Jorgensen, B.L., Department of Child Development and Family Relations, East Carolina University, Riv
Clark, R.L., North Carolina State University, United States, Employee Benefit Research Institute, TIA
Yamaoka, M., Graduate School of Asia-Pacific Studies, Waseda University, Japan; Asano, T., Depart
Clark, R.L., North Carolina State University, United States, Employee Benefit Research Institute, TIAA
Pettus, L., Ernst and Young, LLP, United States; Hall Kesmodel R.
Buckland, J., Menno Simons College, 210-520 Portage Ave., Winnipeg, Manitoba, R3G 0G2, Canada
Honekamp, I., University of Bonn, Utrecht University, Netherlands; Schwarze, J., University of Bamb
Murphy, D.S., School of Business and Economics, Lynchburg College, Lynchburg, VA, United States; Yet
Halabi, A.K., Department of Accounting and Finance, Monash University, Australia and School of Accou
Huston, S.J., Personal Financial Planning, Texas Tech University, United States
Cude, B.J., Department of Housing and Consumer Economics, University of Georgia, United States
Wolfe-Hayes, M.A., Knowledgeware Systems, Inc, 2525 Mill Race Road, Frederick, MD, 21701, United
Monticone, C., University of Torino, Italy
Wolfe-Hayes, M.A., Knowledgeware Systems, Inc., 2525 Mill Race Road, Frederick, MD 21701, United
Lusardi, A., Dartmouth College, United States; Mitchell, O.S., Department of Insurance and Risk Mana
Sabri, M.F., Department of Resource Management and Consumer Studies, University Putra Malaysia, Mal
Remund, D.L., School of Journalism and Mass Communication, University of North Carolina, Chapel Hil
DeLaune, L.D., Department of Accounting, Louisiana State University, 3101 Patrick Taylor Hall, Baton
Bruine de Bruin, W., Department of Social and Decision Sciences, Department of Engineering and Publi
Solheim, C.A., Department of Family Social Science, University of Minnesota, 287 McNeal Hall, 1985
Varcoe, K.P., University of California, Riverside, United States; Peterson, S.S., University of Califo
Matzek, A.E., University of Minnesota, 1985 Buford Avenue, 290 McNeal Hall, St. Paul, MN 55108, Un
Bryant, J.H., Operation HOPE, United States
Abreu, M., CISEP, ISEG, Technical University of Lisbon, Rua Miguel Lupi 20, 1200-725 Lisboa, Portug
Kefela, G.T., DTAG Inc., 2300 Airport Blvd., San Jose, CA 95110, United States
Watson, M., Department of Politics and International Studies, University of Warwick, Social Studies
Subactagin-Matto, A., Victoria University of Wellington, New Zealand; Goncalves-Rorke, M., Victoria
Choi, J.J., Yale University, National Bureau of Economic Research, United States; Laibson, D., Harva
Scott III, R.H., Department of Economics and Finance, Monmouth University, 400 Cedar Ave., West L
Kojo Oseifuah, E., Department of Accounting and Auditing, University of Venda, Thohoyandou, South
Allen, S.F., School of Social Work, University of South Florida St Petersburg, 140 7th Ave., South, St P
Gallery, G., Queensland University of Technology, Australia; Gallery, N., Queensland University of Tec
Hendriks, T.P.
Pang, M.F., Faculty of Education, University of Hong Kong, Hong Kong SAR, China
Hendriks, T.P.
O'Neill, B., Rutgers Cooperative Extension, Cook College Office Building, Rutgers University, New Br
Brooks, J.S., Department of Educational Leadership and Policy Analysis, College of Education, Universi
Ramsay, I.
Waine, B., Institute of Applied Social Studies, University of Birmingham, Birmingham, United Kingdo
Sanusi, Z.M., Accounting Research Institute (ARI), Universiti Teknologi MARA, Menara SAAS, 40450 S
Loibl, C., Ohio State University, United States; Bird, B.R., Ohio State University, United States; Grins
Simpson, W., Department of Economics, University of Manitoba, Winnipeg, Man. R3T 5V5, Canada; B
Taylor, C., Monash University, Australia

Birkenmaier, J., Saint Louis University School of Social Work, St. Louis, MO, United States; Curley, J.,
Gratton-Lavoie, C., Department of Economics, California State University, Fullerton, CA, United States;
Hassan Al-Tamimi, H.A., Department of Accounting, Finance and Economics, College of Business Admin
Sukarieh, M., Independent Researcher, Beirut, Lebanon; Tannock, S., Independent Researcher, Toron
Worthington, A.C., Department of Accounting, Finance and Economics, Griffith University, Brisbane, A
Huisamen, A., Police Social Work Services, SAPS, Mossel Bay, South Africa; Weyers, M., Social Work D
Coda Moscarola, F., Center for Research on Pensions and Welfare Policies (CeRP), Collegio Carlo Alberto
Ford, M.W., Northern Kentucky University, Highland Heights, KY, United States; Kent, D.W., Northern
Dworsky, L.N.
Strauss, K., School of Geography, Oxford University, Centre for the Environment, United Kingdom
Wójcik, D., Oxford University, Centre for the Environment, United Kingdom, St Peter's College Oxfor
Gough, O., Finance and Business Law Department, Westminster Business School, United Kingdom; Nur
Rahmat, M.M., Faculty of Economics and Business, School of Accounting, Universiti Kebangsaan Malays
Finlayson, A., Department of Politics and International Relations, Swansea University, James Callag
Hermens, A., Graduate School of Business, University of Technology, Sydney, Australia; Clarke, E., Uni
Wunder, T., University of Texas, United States; Kemp, T., University of Wisconsin, United States; Eng
Duffy, D., Economic and Social Research Institute, Dublin, Ireland, Economic and Social Research Insti
Devane, B., Department of Curriculum and Instruction, University of Wisconsin-Madison, 225 North M
Marar, P., The Hongkong and Shanghai Banking Corporation Limited, Mumbai, India; Iyer, B.S., The
Cardak, B.A., Department of Economics and Finance, La Trobe University, Kingsbury Drive, Bundoora, V
Calvet, L.E., NBER; Campbell, J.Y., NBER, Department of Economics, Littauer Center, Harvard Univer
Estelami, H., Graduate School of Business, Fordham University, 113 West 60th Street, New York, NY
Gerrans, P.; Clark-Murphy, M.; Truscott, K.
Schuchardt, J., Cooperative State Research, Education, and Extension Service, USDA, 1400 Independen
Rebeck, K.C., St. Cloud State University, United States, National Center for Research in Economic Edu
Mandell, L., Foster School of Business and Aspen Institute, University of Washington, Seattle WA 98195
Moses, J., Hewitt Associates, United States; Hogg, B., Hewitt Associates, United States
Tymoigne, E., Department of Economics, California State University, Fresno, CA, United States
Way, W.L., School of Human Ecology and Robert M, La Follette School of Public Affairs, 1305 Linden D
Mccormick, M.H., Networks Financial Institute at Indiana State University, 2902 N. Meridian St, India
Chui, M.A., Midwestern University, College of Pharmacy - Glendale, United States, University of Wi
Mixon, F.G., Jr., Eugene W. Stetson School of Business and Economics, Mercer University, Macon, GA,
Kurunmäki, L., London School of Economics and Political Science, United Kingdom
Tawfik, H., Deanery of Business and Computer Sciences, Liverpool Hope University, United Kingdom;
Hill, R.R., University of Houston, Clear Lake, United States; Perdue, G., University of Houston, Clear L
Mandell, L., Department of Finance, State University of New York at Buffalo, University at Buffalo, B
Shipley, C., Henderson State University, United States; Shetty, S., Salisbury University, United States
Fox, J.J., Department of Consumer Sciences, Ohio State University, Columbus, OH 43210, United Sta
Fogel, S.J., School of Social Work, MGY 132, University of South Florida, 4202 E. Fowler Ave., Tampa, F
Huang, R., Deanery of Business and Computer Sciences, Liverpool Hope University; Samy, M., Deanery
Rae, D., Lincoln Business School, University of Lincoln, Lincoln, United Kingdom
Willis, L.E., Loyola Law School, Los Angeles, United States
Engelbrecht, L., Department of Social Work, University of Stellenbosch, Stellenbosch, South Africa
Oehler, A., Department of Finance, Bamberg University, Bamberg, Germany; Werner, C., Graduate S
Bruce, J.; Hallman, K.
ograms for adolescents (2003); Bruce, J., Clark, S., (2003) The Implications of Early Marriage for HIV/AIDS Policy; Bruce, J., Joyce, A., (2005
Kozup, J.; Hogarth, J.M.
Servon, L.J., New School for Management and Urban Policy, New York, United States; Kaestner, R., Uni
Pankow, D., North Dakota State University, Fargo, ND, United States; O'Neill, B., Financial Resourc
Fry, T.R.L., School of Economics, Finance and Marketing, RMIT University, GPO Box 2476V, Melbourne,
Worthington, A.C., Department of Accounting, Finance and Economics, Griffith University, Nathan, Q
Lusardi, A., Department of Economics, Dartmouth College, Hanover, NH 03755, United States; Mitchel
Engelbrecht, L., University of Stellenbosch, Arts Building, Matieland 7602, South Africa
Finlayson, A., Department of Politics and International Relations, Swansea University, Swansea, Uni
Davis, K., Texas State University, 601 University Drive, San Marcos, TX 78666, United States; Durband
Holland, J.H., Mississippi State University, United States; Goodman, D., Mississippi State University, Un
Bowrin, A.R., Department of Management Studies, The University of the West Indies, St. Augustine Tr
Courchane, M., CRA International, 1201 F Street NW, Suite 700, Washington, DC 20004-1204, United St
Townley-Jones, M., School of Mathematical and Physical Sciences, University of Newcastle, Ourimbah,
Gempp, R., Universidad Alberto Hurtado, Escuela de Psicología, Barroso 26, Santiago, Chile; Denegri, M
Glaser, M., Universität Mannheim, L 5, 2, 68131 Mannheim, Germany; Weber, M., Universität Mann
Isaksen, J.; Amundsen, I.; Wiig, A.; Abreu, C.
Fagan, C., University of Glasgow, United Kingdom
Erturk, I., ESRC Centre for Research on Socio Cultural Change (CRESC), Manchester Business School,
Johnson, E., Washington University, George Warren Brown School of Social Work, Washington, DC, Unit
Madrian, B., Kennedy School of Government, Harvard University, United States; Mitchell, O.S., Boett
Sanders, C.K., Boise State University, ID; Weaver, T.L., Saint Louis University, MO; Schnabel, M., R
Gonyea, J.G., Boston University, School of Social Work, 264 Bay State Rd., Boston, MA 02215
Osteen, S., Oklahoma State University, Stillwater, OK, United States; Muske, G., Oklahoma State Univers
Peng, T.-C.M., Consumer Sciences, Ohio State University, 265 Campbell Hall, 1787 Neil Avenue, Colu
Williams, T., Kent Law School, Eliot College, University of Kent, Canterbury, Kent CT2 7NS, United Ki
Atkinson, A., Personal Finance Research Centre, University of Bristol, United Kingdom; McKay, S., Per
Huang, R., Deanery of Business and Computer Sciences, Liverpool Hope University; Tawfik, H., Deane
Coates, D.J., University of Chicago, United States; Marais, M.L., William E. Wecker Associates, Inc., Un
Lusardi, A., Department of Economics, Dartmouth University, Hanover, NH 03755, United States; Mitch
Hogarth, J.M., Division of Consumer and Community Affairs, Federal Reserve Board, United States; Ko
Lusardi, A., Department of Economics, Dartmouth College, 328 Rockefeller Hall, Hanover, NH 03755, U
Plantier, J.H., Department of Economics, Towson University, 8000 York Rd., Towson, MD 21252-0001, U
Riggs, H.E., Keck Graduate Institute of Applied Life Science, United States
Denegri Coria, M., Universidad de La Frontera, Avenida Francisco Salazar 01145, Temuco, Chile; del
Arnold, M.J., Engineering Management Program, University of Arizona, United States; Geiger, G.H.,
Cheikrouhou, H., World Bank; Jarque, R., World Bank; Hernández-Coss, R., Financial Sector Departm
Mitchell, R.K., Rawls College of Business, Texas Tech University, Box 42101, Lubbock, TX 79409-2101,
Albritton Jr., F.P.
Dutkowsky, D.H., Department of Economics, Syracuse University, United States; Evensky, J.M., Depar
Brown, R.B., Oxford Brookes University Business School, Wheatley, Oxford, OX33 1HX, United Kingdo
Norvilitis, J.M., SUNY College, Buffalo, United States, Department of Psychology, SUNY College at Bu
Christensen, C., Vrije Universiteit Amsterdam, Amsterdam, Netherlands; van Els, P., Economics and
Seasholtz, S.I., Preferred Financial Strategies, LLC, Mooresville, NC, USA.
Makridou-Boussiou, D., Department of Applied Informatics, University of Macedonia, 156 Egnatia Str
Brige, A., Entrepreneurship Department, Banking Institute of Higher Education, Riga, Latvia
Box, J.M., Junior Achievement Worldwide
Cook, J.A., Center on Mental Health Services Research and Policy, Department of Psychiatry, University
Bruett, K., Dell, United States
Rohe, W.M., The University of North Carolina, Chapel Hill, NC 27599-3410, United States; Gorham, L.S.
Cohen, M.J., Department of Chemistry and Environmental Science, New Jersey Institute of Technolog
Eng, D.
Aier, J.K., Arizona State University, United States; Comprix, J., Arizona State University, United State
Wiener, R.L., 238 Burnett Hall, Lincoln, NE 68588-0308, United States, University of Nebraska, Lincol
Gianinno, L., Tufts University, United States, Eliot-Pearson Department of Child Development, Lincoln
Lucey, T.A., University of Memphis, United States, University of Memphis, 419A Ball Hall, Memphis,
Tilse, C., Sch. of Soc. Work/Applied Human Sci., University of Queensland, St. Lucia, QLD 4072, Austra
Beverly, S.G., School of Social Welfare, University of Kansas, Twente Hall, 1545 Lilac Lane, Lawrence
Varcoe, K.P., University of California, 139 Highlander Hall, Bldg. C, Riverside, CA 92521, United Stat
Salemi, M.K., Department of Economics, Gardner Hall, University of North Carolina, CB 3305, Chapel H
Baron-Donovan, C., Baruch College, Psychology Dept, 55 Lexington Ave., Box B-8215, New York, NY 100
Noel, D.H., NCSL, Washington--D.C., United States
Fox, J., Department of Consumer Sciences, Ohio State University, Columbus, OH, United States; Bart
Hira, T.K., Iowa State University, Ames, IA, United States; Loibl, C., University of Missouri, Ironton, M
Kolodinsky, J., Department of Community Development and Applied Economics, University of Vermont, Mo
Summers, B., International Institute of Banking and Financial Services, Leeds University Business Scho
Gabbard, D.C., Department of English, University of North Florida
Maki, D.M., JPMorgan Chase, United States
Kulonda, D.J., University of Central Florida, United States, Department of Management, University of
O'Neal, T., University of Central Florida, United States; Kulonda, D., Department of Management, Univ
Mills, J., Hunter College, United States, Apartment 65, 300 West 106th Street, New York, NY 10025, U
Joo, S.-H., Texas Tech. University, Lubbock, TX, United States, Texas Tech. University, Box 41162, Lu
Pointer, D., University of Washington, Seattle, United States; Stillman, D., University of Washington,
Windram, B., School of Accounting and Economics, Napier University, Sighthill Court, EH11 4BN, Ed
Craig, R., School of Business and Information Management, Australian National University, Australia;
Cracknell, D., MicroSave, Kololo, Kampala, Uganda
Nikolova, R., Humboldt University of Berlin, Germany; Lehmann, R.H., Humboldt University of Berlin
Reifner, U., Institute for Financial Services, Hamburg, Germany; Herwig, I., Institute for Financial S
Devlin, J.F., Nottingham University Business School, Jubilee Campus, Nottingham, NG8 1BB, United
Greenspan, A.
Peecher, M.E., Univ. Illinois at Urbana-Champaign, Urbana, IL, United States
McDaniel, L., University of Kentucky, Lexington, KY, United States; Martin, R.D.; Maines, L.A.
Wood, W.C., James Madison University, United States; Doyle, J.M., James Madison University, United
Rhine, S.L.W., Federal Reserve Bank of Chicago, 230 South LaSalle Street, Chicago, IL 60604, United
Volpe, R.P., The Williamson College of Business Administration, Youngstown State University, Youngs
Alexander, G.J., Carlson School of Management, University of Minnesota, Minneapolis, MN 55455, United
Tennyson, S., Department of Policy Analysis and Management, Cornell University, Ithaca, NY, United S
Merino, D.N., Stevens Institute of Technology, United States, Department of Engineering Management
Bond, M., University of Warwick, United Kingdom
Ferber, M.A., 606 S. Western Ave., Champaign, IL 61821, United States
Danes, S.M., Family Social Studies Department, College of Human Ecology, University of Minnesota, 1
Sedaie, B., Department of Economics, Indiana University, Purdue University, Indianapolis, IN, United
Leyshon, A., Dept Geog, Univ of Bristol, Bristol BS8 1SS, United Kingdom; Thrift, N., Dept Geog, Univ o
Parkison, K., Indiana University, Kokomo, IN, United States; Sorgman, M., Indiana University, Kokomo,
Tearle, P., University of Exeter, United Kingdom; Davis, N., University of Exeter, United Kingdom; Bir
Zilberman, D., Dept. of Agric. and Rsrc. Economics, United States, Giannini Found. of Agric. Economics,
Stock, P.A., U. S. Army, United States; Rader, W.D., Ohio University, United States
Cutler, N.E.
Alexander, G.J., Carlson School of Management, University of Minnesota, Minneapolis, MN, 55455, Unit
Marriott, D.N., Cardiff Business School, United Kingdom; Mellett, H., Cardiff Business School, United
Hilton, G.L.S., Gillian L.S. Hilton directs the CSV Nat West Financial Literacy Project, based at Middl
Gleason, J., Nebraska Wesleyan University, United States; Van Scyoc, L.J., Center for Economic Educa
Roberts, R., University of Sussex, United Kingdom
Kayaalp, O., Lehman College, The City University of New York, United States
Annandale, S.J., Dearden Management Associates, The Old Post Office, Church Road, Redhill, Bristol
Wetzel, J.N., Virginia Commonwealth University, United States; O'Toole, D.M., Virginia Commonwealth
Reda-Wilson, K., Virginia Polytechnic Institute, State University’s Center for Economic Education, Uni
Whitehead, D.J., Institute of Education, London University, United Kingdom; Halil, T., Institute of E
Grimes, P.W., Mississippi State University, United States; Register, C.A., University of Baltimore, Unit
Beron, K.J., University of Texas at Dallas, United States
Abstract
Financial Literacy is an inevitable parameter in the current competitive society. The process of fina
Individual differences in mental accounting have rarely been studied, and empirical evidence regardin
Purpose: The purpose of this paper is twofold: to explain access to formal and informal credit in ag
The recurring financial crisis calls for increasing attention on the crucial role of financial litera
Purpose: Several research models have been proposed in the existing literature to understand the inte
Purpose: The purpose of this paper is to examine the link between financial consumer protection (FC
Purpose: The purpose of this paper is to find the effect of the hedonism value on the investment pref
This study aims to analyze financial literacy among students in several universities in Indonesia. In ad
For well over a decade, financial literacy has been a primary lens through which researchers approach financial education. Unf
In today’s service society, adolescents come into contact with money and financial products and servic
The paper attempts to better understand financial literacy and its relation to financial decision making and investments in fina
[No abstract available]
In this article, we investigate the role of local factors associated with the financial literacy of Italian adults (no. 945). Using a m
Women’s Economic Empowerment is a combination of individual’s knowledge, ability, skills and confi
We document a significant gender gap in over-indebtedness, as we find women to be less likely to bec
This exploratory study sought to identify relevant topics for financial education programs for Filip
The main aim of the study is to find the effect of the financial advertisement on the respondent’s in
This paper examines the continuing impact of the 2007/08 financial crisis in rural Ireland, examining
Based on Item Response Theory, and more specifically the Rasch model, the financial knowledge domain
Literature shows that parental financial socialisation plays an important role in attaining financial
OBJECTIVES To evaluate the reliability and validity of the Financial Management Competency Self-assessment (FMCA) in execu
Background: In Germany, general secondary education offers few opportunities for young adults to acq
The individualization, privatization and marketization of risk management represent a fundamental dim
Using novel survey data, we examine attitudes towards money and to what extent they affect economic
The article substantiates the importance of high level of financial literacy of management personnel
The concept of entrepreneurship has evolved significantly in the last decade and is identified as a competence rather than as a
This purpose of this study is to test and analyze the effect of financial and taxation literacy on s
What could two people stand to gain from sharing a taxi ride? We aimed to explore the extent to which this challenging yet ac
This paper improves the understanding of heuristics in the choice of mutual funds. We analyze the effect of price-quality relati
Vulnerable consumers are at particular risk of financial detriment due to, for example, low financial literacy or numeracy, high
Background and aim: Financial literacy (or financial competence) has become an internationally relev
This article reports the findings of a study using tasks where a family orders and considers sharing
Financial illiteracy and underinsurance have been revealed to be critical issues in the financial susta
Youth Living with HIV (YLWHIV) are at high risk for cancer. Sub-Saharan Africa (SSA) has some of the
Life success requires a number of strategic skills, one of which is literacy skills, including financial literacy skills. Financial literac
In the generation of educational reform, we have always wondering what kind of important ability ha
Purpose of the study: The study was conducted with the main objective of knowing the financial liter
Purpose: Premised on the argument that procedural and declarative cognitions help individuals to memo
This study aimed to discover the comprehension of business actors of Small Medium Enterprises (SME) in
This survey design aims to examine financial literacy, which is a matter of concern in Thailand. The con
Economic abuse as a form of men’s violence against women has only been recently recognized as a form
This paper provides new insights by testing the effect of financial literacy, innovation capability,
Teaching financial literacy at primary and secondary schools is one of the novelties in education. In the past, only students of e
The main objective of this research is to identify the behavioral factors which have an effect on ret
The study uses a unique survey of remittance-receiving individuals from Tajikistan to study the impac
Recent research has shown that two forms of education intervention significantly improve financial o
Although India has achieved remarkable success in financial systems, but few segments of the Indian po
This research is the first to describe financial knowledge in the Islamic Republic of Iran. Data wer
Despite the numerous pieces of research that have been undertaken to aid understanding of the innova
Taking data from Financial Access Survey, Global Findex and Reserve Bank of India bulletin, this paper tries to analyze the prog
Employing data from a representative survey conducted in Germany, this paper examines public preferen
As the social work field increasingly recognizes economic abuse within intimate partner relationship
An intervention of three sessions with video vignettes has been applied to measure the impact of this
This study sought to develop an interactive module incorporating financial literacy in teaching fraction and decimals for Grade
Financial literacy is defined as the knowledge, skills, and ability to navigate increasingly complex f
Purpose: Within a neoliberal environment, financial vulnerability of households has become an increas
Purpose: The purpose of this paper is to holistically study barriers in the path of implementation of
This study aims to find a model for Increasing Financial Literacy and Financial Inclusion to Achieve
Choices regarding the disposition of wealth at retirement can have substantial implications for retir
This article tests an integrated model of financial planning for retirement (FPR), with 948 Spanish
Previous research has examined the role of formal classroom economics education on student learning
The formation of professional competence of future specialists is determined by the acuteness of soc
The purpose of this study was to examine the relationship between financial literacy and long- and sh
Ponzi schemes, which have become widespread in some parts of the country, including eastern India and West Bengal, have in
Purpose: There is a paucity of empirical research that explores the financial well-being of collegiate
Purpose of the study: Financial literacy has become one of the important policies of the Indonesia gove
The aim of the present study was to validate the factorial structure and psychometric properties of a
Purpose of Study: The paper aims to assess the new face of retailing after demonetization with specifi
Purpose: The purpose of this paper is to determine the antecedents and consequences of financial lite
The hypothesis that people with more financial literacy make better financial decisions and show posi
Growing income disparity, expanding financial markets, and diversifying financial products have pushed
We describe and report the results of an 18-month long training of trainers program in financial lite
This research examines how investment experience and financial literacy impact investment-related judgments. Financial liter
The literature on the relationship between financial literacy and financial well-being is growing but
This article reports the results of a controlled field experiment designed to estimate the short-term effects of a 45-minute fina
The limited attention given to financial education in the development of student competencies can unde
Improving financial and health literacy is an important step in reducing economic vulnerability in older age, yet the means by w
Politicians and analysts frequently call for stricter regulation of personal loans. Two variables tha
Small-dollar credit lenders offer consumers quick access to cash in the form of products, such as pawn loans. The consumers w
The vast majority of Germans are reluctant to invest parts of their savings in the capital market, e
There is a genuine demand for finance requirement in the remote rural areas, absence of formal banki
Over one-quarter of American adults used credit-based alternative financial services (AFS) in the past five years, which carry a
Drawing on social cognitive theory and social network literature, this study examines how objective financial knowledge (OFK)
We analyse whether and how individual savings and current account holders respond to government inter
Commercial vehicle loan borrowers of India constitute a segment of customers with a unique socioecon
Background of the study: In an investment decision, several factors are responsible for a investors
Purpose: The purpose of this paper is to examine the relationship between financial literacy and entre
This study compared the financial literacy and teaching practices of 82 early and elementary teachers
Background: Sub-Saharan Africa (SSA) has the highest number of people living with HIV/AIDS, with Nig
The financial behaviors of adolescents, especially those from economically disadvantaged families, is
Purpose: Credit market development requires appropriate credit assessment and default policies. This p
Purpose: Undergraduates are expected to be future leaders responsible for business and nations. Give
Purpose: The purpose of this paper is to examine the moderating role of financial consumer protectio
Purpose: Sustainable development has now been recognised as the pivot around which development activi
Indian economy has made its growth at an accelerating pace over the last decade. The study aims to asse
This study examines the relationship between board financial education and firm performance of compani
Purpose: The purpose of this paper is to collect new evidence about the efficacy of the pedagogical p
Financial literacy education, or the lack thereof, has received much attention in recent years. Over t
This study uses a two-stage logistic regression model to explore the determinants of retirement plann
The promotion of an inclusive financial system has become important to many countries in policy cra
The authors taught financial concepts to students in 12th-grade economics classes, where one treatm
This article examines financial capability among low-income older Asian immigrants, using data from i
Financial literacy came to the forefront as the 2013–2014 presidential focus of the Association of College & Research Libraries
The purpose of this study was to analyze Financial Literacy, Regret Aversion Overconfidence, and Risk
Why do people fail to diversify risk in their investment portfolios? We study how lay investors (people
In a nationally representative sample, we predict retirement savings using survey-based elicitations of exponential-growth bia
The use of game mechanics and game structures when designing curriculums is gaining popularity in K-
The Indian mutual fund industry history started in 1963. The development of the mutual funds industr
Over the past two decades, Cambodia has experienced an unprecedented credit boom, a growth in lendi
With the rapid social and economic development, the entrepreneurship skills become more important for
Purpose: Physician burnout is reported in more than one out of every 2 practicing clinicians and is just as prevalent in training
Purpose: The purpose of this paper is to develop a model for studying the propensity towards indebted
Purpose: The purpose of this paper is to explore and examine the role of accounting and accountants
Purpose: Personal debt is a common problem among Hong Kong people. Personal loan marketers promote
This study investigates the role of financial knowledge in various short-term and long-term financial
Purpose: The purpose of this paper is to develop and test through an experiment, an innovative online
Purpose: The purpose of this paper is to study how subjective and objective knowledge of finance, beha
Purpose: The purpose of this paper is to explore potential benefits of gamification (application of g
We examine financial literacy and the returns to financial literacy education, specifically focusing on the racial financial literacy
In this paper, we study the relationship between financial literacy and self-employment. We use established financial literacy q
The following skills, such as planning of personal finances, formation and diversification of savings,
Using data from the 2012 consumer finance survey in China, we extend the literature on household fina
For a country poised to become the world’s third-largest economy by 2035 (Goldman Sachs), research stu
Using nationally representative US data, we show that women possess weaker knowledge regarding the ch
Consumer financial education has become an important research topic, due to the growth of a wide rang
Financial literacy plays an important role in the socio economic development of a country besides po
Using micro-data from the Household, Income and Labour Dynamics in Australia Survey, and the Oaxaca–Blinder decompositio
This paper analyzes the importance of numerical abilities, conscientiousness, and financial literacy for individuals' financial dec
Objective: To examine several predictors of financial capacity as assessed via the Independent Livin
This study investigates the perspectives and impact that personal finance education had on participant
This paper builds on research linking personality traits to saving and wealth by focusing on determina
This study sheds the light on the effect of the emotional bias and the gender on the credit risk man
Most of the property owners in developing countries particularly those residing in informal settlemen
Purpose: This study aims to examine the relationship between artistic orientation and entrepreneurial
Focusing on different façades of financial well-being such as wealth accumulation and retirement planni
Purpose: Financial literacy has a strong influence on financial well-being, and it is a concept espec
Purpose: The purpose of this paper is to investigate the main predictors of university students’ inten
Role of the knowledge-based resources in promoting sustainability in small and medium enterprises (SMEs
Financial literacy is a vital issue since individuals with financial literacy are able to manage their
This study uses survey data of over 22 000 respondents in Nigeria, to provide evidence for the impact
This study designs for detecting the students’ financial literacy in high schools. A self-designed que
We use the data from World Bank Global Findex for the year 2011, 2014 and 2017 to understand financial inclusion in India, a
Key competences for lifelong learning are the combination of knowledge, skills and attitudes that suit the context. They are es
We use the 1979 National Longitudinal Survey of Youth to revisit what is termed the credit card debt puzzle: why consumers s
The purpose of this paper is to compare two theories, namely fuzzy trace theory and heuristic theory in
The adequate development of the numeracy skills is a target of the fourth of the Sustainable Develo
The aim of this paper is to analyze the effect of financial education training on Spanish secondary st
The enactment of the Affordable Care Act (ACA) and expansion of Medicaid means that many more consum
This study surveys 800 people from Indian households in the state of Punjab to examine the effect of d
This study was aimed to discover the cultural possession, perseverance and openness to problem solving
We extend behavioural research in investment and retirement savings to insurance, by investigating fa
Financial illiteracy is widespread amongst the elderly. Financially illiterate people are more likely
This study examines whether the association between financial literacy and participation in risky asse
Most orthopedic residents carry significant debt and may enter their practice with little knowledge of business management, m
Objectives: The Reserve Bank of India (RBI) has narrated the financial inclusion is defined as an act
The fact that men trade more than women in financial markets has been attributed to men's overconfide
The economic and financial theories presume that people act rationally in all the given situations by
This study examines the effects of the three proposed financial sophistication dimensions, that is, (
The PradhanMantri Jan DhanYojana scheme was launched by the Honorable Prime Minister of India Sri.
Using district-level data, the effect of financial literacy centres on financial inclusion in India is investigated. There is evidence o
Financial wellness is multidimensional, incorporating all aspects of a person’s financial situation, in
Background and Objectives The ongoing shift from defined benefit (DB) to defined contribution (DC) pe
In his important recent book, Ethics and the Global Financial Crisis: Why Incompetence is Worse than G
Financial literacy education features prominently among the policy options available to improve persona
Purpose: The aim of this article is to compare if and how experienced and novice teachers differ from
We propose a Bayesian two-part latent variable model (TPLVM) to investigate the impacts of financial
Purpose: This contribution contextualizes the current debate on financial literacy within the discours
Conventional financial literacy education (FLE) practices promote individual choice and responsibilit
For youth with disabilities, the economic challenges of adulthood pose substantial risks. While the ne
Americans do not understand the long-term-care system, nor do they prepare financially for the time
This study examines the development of mathematical and financial literacy skills amongst 471 students
Background Literacy, the ability to access, understand and utilise information and concepts from div
It is well documented that financial literacy is at best moderate around the world and that the cost of ignorance in this field m
The role of financial counsellors as providers of information, support and advocacy for those in finan
Student loan repayment concerns are influenced by marital status, income levels, race, and levels of f
The advance of Internet technology has provided a convenient market platform for matching lending a
Most high-deductible health plan (HDHP) enrollees do not engage in consumer behaviors such as price shopping. Why not? W
This book examines the effects of policies and practices of microfinance NGOs in empowering rural women in Bangladesh. Naw
The two-fold purpose of this study was to explore the financial capability of low-income consumers fro
The Declaration at Beijing (1995) tried to usher in gender equality for women by encouraging main st
In microfinance markets worldwide, over-indebtedness among borrowers and households has emerged as an important conce
Purpose: People are increasingly responsible for making sound financial decisions to foster their fin
The system of teaching financial literacy described in this paper has been developed by an undergrad
Purpose: The purpose of this paper is to examine the status of the research on women’s financial plan
This article presents the advanced financial literacy of Malaysian Gen Y investors and investigates whe
This paper examines the elements essential to effective teacher professional development (TPD) in fina
Many consumers suffer from low levels of financial literacy, and attempts to increase this dimension of
Women empowerment in India even after 70 years of Independence is still an issue. The empowerment
Background: Finances impact every aspect of our daily lives. Despite this, they are rarely discussed in medical school or surgica
Financial illiteracy is widespread and leads to bad financial decisions. Individuals cannot answer basic questions about inflation
Today, insurance is widely used in many countries to address major financial issues such as education
There are a number of intelligences that humans’ are expected to possess in order to maximise life on t
As states move toward offering defined contribution retirement plans as an alternative or addition to
Intertemporal savings strategies, such as bulk buying or accelerating purchase timing to take advant
India’s Micro, Small and Medium Enterprises (MSMEs) are integral to Indian economic development due
The answer to the challenging question, "Should one either invest in tangible resources or intangible
This study investigates racial/ethnic differences in high return investment ownership in the U.S. H
The purpose of this study is to examine the potential effects of consumer financial education on insu
Innovative combination HIV-prevention and microfinance interventions are needed to address the high
Purpose: The purpose of this paper is to examine how financial literacy and demographic variables (ge
This paper investigates the causal impact of large unexpected windfalls on individual mental health, p
Purpose: This paper aims to investigate how economic abuse manifests in young adult relationships fr
The system of teaching financial literacy described in this paper has been developed by an undergra
The study on which this article is based, intended to assess the level of financial literacy among the Government of Lesotho sp
Efforts to combat homelessness are hampered by perceptions involving negative stereotypes. One metho
Two choice architecture interventions were explored to debias investors' irrational preference for mu
This article presents the results of the analysis of psychometric properties of the Economic and Fina
In recent years, the importance of issue of financial literacy of young people increases. Given view i
The purpose of this study is to investigate consumers’ preferences in different financial information so
This paper presents the results from the first study of financial literacy in Finland and explores the
Using exploratory research, this study analysed some of the factors that have an impact on the level o
The purpose of this paper is to investigate the impact of socio-demographic factors on financial liter
Purpose of Study: The objective of this study is to investigate the financial literacy among the SMEs
Financial literacy holds growing interest for managing assets/savings during the longer retirement per
Financial innovations centred on science and technology bring diversified financial products, which
Consumption behaviour and financial literacy are primary factors in determining the financial well-bei
We utilise recent Household Finance and Consumption Survey microdata to report first causal effects o
The paper discusses the contemporary relevance of financial literacy followed by present need. The pr
This study attempted to understand the roles of social behaviour and "new trend" lifestyle of the commu
This study examines associations between financial education and financial literacy among people with
The objective of this research is to explain the factors that affect the competitiveness of SMEs in
This study aims to reveal a new model that sits between financial literacy and organisational financia
Financial literacy has become an important issue because many studies have established a connection
The aim of this study is to investigate the relationship between financial literacy and decisiveness i
The purpose of this paper is to investigate the study of rural household's financial literacy. Financi
Financial literacy is becoming increasingly important, in particular for adolescents since they are e
Financial literacy is a multicomponent construct comprising financial knowledge, attitude, behaviors,
At present, the economic-financial dimension has taken on the process of curricular recomposition and
Literacy is one of the skills needed to face challenges in the industrial revolution because of the eas
This study aims to examine the factors that affect financial literacy with variables such as gender, p
There is a sizable informal business sector in emerging markets. This paper investigates informal busi
Financial literacy deficiency is a prevailing problem in United States raising the need for effective
This study analyzed the role of financial literacy as a mediator between financial education and sou
The argument holds that visionary and dynamic small and medium enterprises (SMEs) tend to position g
Purpose: Using survey data from Shandong, Henan and Guizhou provinces of China, the purpose of this pa
In this paper, we investigate the attitudes to entrepreneurship of Italian households, focusing on th
The purpose of this project is to examine the effect of level and knowledge of financial literacy on
Low financial literacy of population hinders the financial market development, limits the possibilities
Indonesian society, nowadays, is facilitated by financial institutions in meeting their consumptive n
Financial literacy is ideally suited to be integrated into mathematics courses and taught in an inte
The aim of this research is to explore whether teaching basic financial concepts at schools helps to im
This paper investigates the dynamics of individual portfolios in a unique innovation test conducted t
Although financial literacy becomes increasingly important in more and more financialised world, and d
Using microdata from the 2014 Global Findex, along with macroeconomic indicators, we investigate finan
Financial literacy has become an interesting topic recently, given the global trends and the need for i
South Africans, like many people worldwide, need to save more and spend less. The question arises why
The primary purpose of the current study is to investigate the entrepreneurial self-efficacy as an a
Financial literacy is internationally recognized as an essential requirement for citizens who need to
In response to a sharp rise in household credit repayment risk after the 2008 crisis, the banking sect
Targeted policy interventions are more effective than one-size-fits-all initiatives. This paper propose
The present paper makes an attempt to study the Financial Literacy lead to Empowering the Socio-econom
This study documents that the electoral cost of major pension reforms is lower in countries where the
The quality of human capital is indispensable for economic growth and sustainability. The developed
This paper provides an in-depth analysis of the links between financial knowledge, attitude and behav
Savings accounts are owned by most households, but little is known about the performance of households’ investments. We c
Defaults have been shown to have a powerful effect on retirement saving behavior yet there is limited
Many government policies contain recommendations how to improve financial literacy, particularly thro
Introduction – Markowitz (1952) argues that individuals act rationally in their financial decisions. In
Malaysia has since undergone a lot of changes that are affecting its economic structure such as the r
This article is focused on the financial literacy of elementary students as a part of a lifelong educa
Many individuals only save money in their savings account for their old-age provision rather than inve
Financial therapy is used to address the psychological, emotional, and behavioral components involved
This study investigated the effect of objective and subjective financial literacy on mortgage payment delinquency using the 20
This practice brief addresses the financial insecurity faced by many community college students and provides recommendatio
The aim of this study is to determine the effect of different aspects, in terms of the theory of inter
The main purpose of this study is examine entrepreneurial financial practices in Pakistan. The resea
Financial knowledge has a tangible impact on an individual’s ability to make positive financial decisi
The importance of the study is determined by the need of expanding requirements for financial literac
We measure financial literacy using questions assessing basic knowledge of four fundamental concepts in financial decision m
Policy-makers, politicians, and mainstream media pundits call for the integration of financial litera
The article examines the existing problems of the Russian pension system and identifies possible sol
Financial decisions have become important to researchers, personal financial planners, investment con
Financial literacy education (FLE) typically focuses on teaching skills and capabilities that promote
The dual card storm which occurred ten more years ago is still fresh in Taiwan’s memory. To improve th
This study examines the gender gap in financial literacy by using the Financial Literacy Assessment
The Social Security Administration (SSA) supplements a National Institute on Aging grant that funds a longitudinal Internet pan
This study investigates the determinants of saving among individuals in the informal sector of Ghana
This chapter focuses on the links between general economic literacy and growth in a nation in which both market and politica
This study reports on the development and validation of a new questionnaire to measure money attitud
This paper discusses the issues of improving the financial literacy of crisis managers. In a market ec
Financial literacy is a key factor in entrepreneurship because entrepreneurship requires one make soun
This paper uses a large-scale field experiment in India to study attitudinal, behavioral, and cognitiv
This study develops a general method for modeling changes in response to items relating to students p
The present paper examines the impact of ability matching and differentiated instruction on the learni
Education plays an essential part in the creation and development of idealistic human beings who view
The most stimulating task for investors is to make rational investment decisions. Normally, investors
Financial knowledge and understanding is needed to function well in society; however, young people
Summary: People with disabilities are five times more likely to experience poverty than the general popu
Financial transactions are intimately bound with social interactions and woven into everyday economic
Sound consumption decisions determine individuals’ well-being; responsible financial consumption beh
Access to finance is a major concern for businesses in Central Asia. This chapter considers the constraints that must be overco
While the pricing of fast food and the social implications of the payday loan industry have been inv
This paper explores the nature of and the dangers posed by household indebtedness in Thailand. It uti
This paper aims to identify the extent to which social media is used by Indian financial institution
Viewed as an essential tool, which sensitizes citizens to create sustainable energy consumption habits
The aim of this paper is to discussthe potential of primary school teachers for governingroles in sch
Relevance: This study is conducted to look into the investor rationality by examining the pattern of
Money is the main potential conflict in every individual life. Inability to understand financial co
Purpose of the study: The purpose of the study was to compare the financial information, financial sel
The results of numerous studies indicate that male students achieve better results on economic knowl
1) Background: Financial literacy, its attitudinal and behavioral components are subject to increasing
Background:Low health and financial literacy may be an early behavioral manifestation of cognitive
Early life exposure to local financial institutions increases household financial inclusion and leads
The level of self-employed individuals’ financial knowledge holds implications with respect to financ
We use data from a Dutch data set, the DNB Household Survey, annually covering the period 1996–2015, t
We investigated the effectiveness of an Extension-led training for human services providers on Your
Germany is falling behind its peers in adopting new digital technologies and financial services offere
Studies indicate that male students outperform female students in economic literacy and that a spec
Using data from the 2014 China Family Panel Studies survey (CFPS), we investigate the effects of financ
We study the literature on school financial education programs for children and youth via a quantita
The authors herein carry out a literature review of retirement planning and highlights that proper ret
In 2016-2017, the conjuncture of the corporate securities market is relatively favorable. In the conte
The debt-to-income ratio (DIR) of Doctor of Veterinary Medicine (DVM) students has exceeded the reco
Lack of standardized measurement is one of the main factors that inhibits rigorous evaluations of fi
Based on primary data, the present study analyzes the gender income gap and its compositions throug
This paper aims to study the determinants of financial deepening (FD) in Mexico. FD is measured as th
The authors demonstrate application of retrospective simulation in comparative analysis of the differ
Using a framework for educational design research, this article reports and evaluates the (process of
Since 2015, the Government of India has initiated and championed the effort for transforming the coun
We employ a psychometrically validated performance test to study economic competence among represe
Purpose: This paper aims to develop propositions about the antecedents of market discipline of Sharia
This paper evaluates if the excitement about school-based financial education is warranted. First, re
Changes in most western countries' pension systems have shifted the responsibility for pension savin
Few reports have indicated that majority of Malaysians do not save enough for retirement and Malays are
A large number of Americans do not have bank accounts (the 'unbanked') or rely on costly alternative
This paper describes a poetry experiment conducted in an economics classroom, where students were r
Managing financial matters, an important household task, is often handled by one partner. The decisio
This study examines the capabilities of in-service secondary school teachers to provide financial educ
Drawing on a bottom-up theoretical perspective on life satisfaction, we developed and tested a model that specifies distinct p
Inflation expectations are known to be quite heterogeneous across agents. We investigate whether this
Debt literacy has been considered to be a critical competence of modern societies since the recent gl
Social impact investing (SII) is transforming the availability of private capital for nonprofits and s
Financial accomplishment helps the people to understand the information concerning financial aspects
This paper examines household management in terms of saving and spending of financial and real (pri
Social protection policies have been tools for fighting social exclusion, inequality and reducing pov
The aim of this empirical study is to explain how students of a Telebachillerato in Veracruz, Mexico
Around the globe, women’s income and wealth are increasing as never before. Prevailing economic, de
It is estimated that 1.7 million Cambodian migrant workers, accounting for 11% of its population, h
Statistics and a survey of the literature revealed the existence of a massive problem in the financi
BACKGROUND: Transition-aged youth with disabilities lag behind same-aged peers without disabilities
Interactive nature of business modeling gives ample opportunities to managers and government employee
This study investigates whether professional financial advice (“PFA”) can assist households in making better-informed financia
Over the past few years, startups have been seen as a taste of the season for India. This has result
Decisions on capital structure have always been considered the most important in the context of corpo
This paper investigates the behavior of teaching community towards saving and investment in Mekele,
The level of participation of taxpayers, particularly Startups in Indonesia, is still low. According
BACKGROUND: Youth with disabilities receiving SSI experience economic disparities across the lifesp
Understanding decumulation decisions in retirement is an important component of public policy that i
Purpose The purpose of the work is to study the “free rider problem” in taxes and determine the proba
Purpose: Sickness insurance and workers’ compensation systems decide on peoples’ eligibility for benef
The purpose of this study is to measure the relationship between developing entrepreneurial leaders
In this chapter our objective was to gain an understanding of what affects Maltese individuals’ behavi
Wider parts of society-at-large are not fluent in the language of numbers, and financial literacy in p
This study examines the role of financial literacy in reducing anxiety about life in old age. We hypo
Financial literacy is an important but oft ignored skill that is vital for young people. This study m
An alternative perspective of financial literacy questioned the conceptual legitimacy of sustained pers
This paper focused on the family as context for financial socialization and students' experiences wit
This study investigates the level of financial literacy among undergraduate university students in th
We explore empirically how households insure themselves against consumption volatility. We asked h
Households’ stock market participation has significant effects on savings and on an economy’s financi
Swamp buffalo cultivation in South Kalimantan was done in remote swampy areas for generations. Swam
This paper introduces four metrics for quantifying the adequacy of retirement savings, taking into a
The present paper examines the relationship between prevention as an investment strategy and the per
With China’s rise in the global economy, more couples participate in financial investing. Using the 2
Background: When beginning higher education studies in business and economics students bring with t
Financial education has been criticised for its limited effect on behaviour. To explore ways of impro
People are increasingly part of a complex landscape of financial transactions, services, and institutio
This article examines some of the complexities associated with developing financially literate, enterprising young Australians t
The present study analyzes the relationship between three distal antecedents—financial literacy, confidence in retirement, an
Background: In this study, the correlation between test motivation and performance on an economic kno
We show that television may be able to deliver rudimentary financial literacy in a cost-effective manner. In a controlled experi
The purpose of this study is to characterize the state of financial literacy of students of transport universities on the basis of an
Purpose: The purpose of this paper is to examine the relationship between financial literacy, access
This research study use partial least squares (PLS) to estimate a formative model which analyze effect of financial literacy, digi
While financial inclusion is typically addressed by improving the financial infrastructure, we show that
This paper examines the level of financial literacy among Malaysian households in terms of financia
This study aims to determine the understanding of merchant-fisherman financial literacy on income al
Objective: To understand views of adolescent and adult caregivers on integrating employment and finan
The development of financial literacy in a population helps to manage personal finances, as well as helps to shape the develop
The emotional and moral context of high cost, small loan lending has an important bearing on how low-
Leadership and career readiness are important goals for youth development. Entrepreneurship has re
Purpose: Premised on the argument that cognition structures the way how individuals think and make deci
Foreign currency borrowing, also known as financial dollarization given the dominance of the U.S. dol
Purpose: This study examined whether micro-savings programs can improve young adolescent girls’ finan
Every financial literacy study conducted over the last few decades concurs: Americans, including American investors, are finan
After the financial crisis, concerns about consumer financial protection and financial security in the
Purpose: The money management behavior of undergraduates determines their smooth transition into ad
The problem of drawing down one’s savings in retirement is known as “decumulation” and is a topic of
This article reports the findings of classroom research exploring the potential of posing challengi
The article considers widespread types of nonstandard employment among the rural population and main
This paper examines the relationship between financial regulation and financial inclusion in Kenya. Em
The aim of the study was to investigate the financial behavior of employees regarding financial literacy and spending habits ba
Since the Industry 4.0 has been impacting almost all industries, entrepreneurs should prepare their b
Purpose: Financial literacy has been recognized as a key competency. However, there are some gaps such
A conceptual model was proposed based on the theory of planned behaviour to examine the relationship
Using data from the 2012 Programme for International Student Assessment (PISA) for Italy, this paper i
Purpose: The purpose of this paper is to determine the profile of the typical online fractional reside
Informal settlements are increasingly becoming a concern for many developing countries. Most of the p
Financial literacy has been shown to affect a wide range of financial behavior; therefore, understand
Most existing studies on the regional distribution of financial literacy overlook the cross-regional var
Using a multilevel analysis with data from PISA 2012, we find that the differences in financial literacy
This study examines whether financial literacy can help to reduce anxiety about life in old age. We hyp
Using a randomized control trial, we evaluated the effect of a financial literacy program on the lev
Using data from a randomized field experiment with 552 households, nested within 40 villages and tow
We analyze the effect of an exogenous shock to the Italian mortgage market, where a reform has abolis
Microfinance programmes have emerged to serve the poor who are excluded by conventional banks and fina
We use data from a major peer-to-peer lending marketplace in China to study whether female and male
United States scholars in economics education generally view economic literacy as the field’s connect
Propensity to plan is an indicator of financial capability that contributes to consumer financial well-
In this essay, I argue that radical economics innovated in the communication of economic ideas, engen
One of the key areas of study in Family Economics is family influence on consumption and investment be
Many studies have examined factors influencing African-American (AA) participation in research studies. But none inform the
Purpose: Effective rural agribusiness development requires dedicated training programmes therefore, t
The economic importance of financial literacy among individuals necessitates policy intervention. Estima
Recently, College students' net loans developed rapidly, but with various college students' online l
The advancement in the world of finance and information technology encourages Muslims and non-Muslims
Acquiring financial literacy presents many unique challenges for young adults with disabilities. Altho
This study examines the influence of actual and perceived financial knowledge (i.e., financial litera
This paper is the first to provide empirical evidence on the determinants of retail trading at a market
While advice-giving encounters form an integral part of banks’ services, clients often buy inappropri
Self-managed superannuation funds (SMSFs) – small retirement savings funds with four or fewer memb
The finance literature documents associations between family financial literacy and their propensity
Financial literacy, understood as the mastery of a set of knowledge, attitudes, and behaviors, has as
This book offers comprehensive examination of research on the relevance of individual behavior and technology to financial in
Purpose: The purpose of this paper is to identify factors relevant for financial inclusion (FI) and es
Purpose: The purpose of this paper is to illustrate an Inclusive Digital Literacy Framework for vulner
Our study aims at analyzing the perceived impact of technology utilization by Micro, small and medium
We examined whether financial literacy changes college students' assessments of their student-loan pro
Policymakers have invested significant resources in financial education to improve financial literacy
ICT applications such as mHealth have the potential to be an enabler in increasing the welfare and c
We use Australian household survey data to formulate a measure of financial literacy. First, we use household responses to qu
Financial literacy explains anomalies in a wide range of consumers’ financial decisions. We extend the
We use the German re-unification as a natural experiment to understand drivers of financial literacy accumulation. We find th
We investigate the effect of financial literacy and index mutual fund risk disclosure format on investors’ risk perception by exa
Using international OECD/INFE microdata, we show that the gender gap in financial literacy is highe
Economic literature identifies a gender gap in financial literacy. This paper tests to what extent this gender gap is due to a mis
Domestic savings remain low in Ghana despite several attempts to improve this situation. Whereas exi
Recent results from the OECD PISA (Financial literacy assessment framework. Australian Council for Edu
After the 2008 crisis, EU regulatory authorities and policy makers started to devote resources to improve households’ financia
This paper investigates the relationship between subjective financial literacy, i.e. self-reported by i
Recent years have brought a gradual shift of responsibility for pension provisions, financial planning, health care and various in
Using a unique dataset of over 6000 clients of a German advisory firm who have received rule-based fin
Financial literacy programs are popular, despite limited evidence that they lead to significant changes in savings behavior. We
The objective of this paper is to see whether the financial literacy programme have any impact on th
The growing use of online educational content and related video services has changed the way people ac
Objective: Healthcare and financial decision making among older persons has been previously associat
Prize-linked savings (PLS) accounts, which allocate interest using lottery payments rather than fixed
Food insecurity is among the most significant, nutrition-related public health issues facing the United
Using survey data on a sample of the Italian population, in this paper we offer a comprehensive account of which personal cha
688 students from 9 countries on 5 continents participated in this research. The objective was to asce
Background: Consistent patterns of gender differences in retirement planning behaviours have been shown but little is known
The role of the audit committee in oversight of the internal control and internal audit function has
Competency in mathematics lays a foundation for good analytical thinking and decision-making skills,
Using the 2012 National Financial Capability Study, this study investigated the relationship between financial literacy and payd
The public (or retail) consumer is a very important aspect in any financial market. Although they do
Since the financial crisis, everyone is more aware of the need to be financially literate. This book covers a wide range of topics
Objectives Older adults often exhibit low health and financial literacy, but the reasons why remain u
This article reviews the relation between social capital and stock market participation via new techno
Being financially literate is an important life skill that is equally important for one's own sake as w
We study the effect of culture on financial literacy by comparing secondary-school students along the
According to the RBI governor, technology-enabled financial information will spread financial literacy in an efficient and secure
We investigate the role of individual capability and effort in the management of retirement ruin. In an experimental setting, w
Financial inclusion has been one of the most propagated ideologies in countries, and as a result, significant efforts have been t
The 2008 credit market debacle and subsequent “Great Recession” accompanied by the stock market crash
By using a randomized controlled trial we test the impact of three treatments on financial literacy (knowledge, attitudes, repo
The banking system in India significantly differs from that of other Asian nations due to unique geographic, social, and econom
In the last 20 years, adolescents have gradually become very important clients for the banking industr
Consumers regularly make decisions. Some of these decisions are relatively simple, such as a selectin
This paper assesses international remittance services in Lesotho. It finds that only a small portion
One of the areas where change and development are most experienced in the world, depending on technol
Within a globalized scientific community, sciences are changing to worldwide perspectives and multidisciplinary approaches. T
This book provides an overview of current issues associated to financial literacy improvement. In selecting and structuring the
We study the relationship between financial literacy and retirement planning in China. We find that hi
Purpose: The purpose of this paper is to explore the relationship between consumers’ subjective and o
Latino males across the country enroll in community colleges with the purpose of obtaining an educational degree, which cou
Consumer learning refers to knowledge and skills of an individual to purchase and consume the product
Recent studies have suggested that financial literacy is an important determinant of informed borrowi
Financial literacy is a skill that requires an ongoing investment of time and often is overlooked throughout medical training. Ph
Recent literature has stressed the need for research examining the causes of females in general havin
Despite large differences in socio-economic, geographical and political background, this study finds
Asset-building as an anti-poverty policy emphasizes helping the poor to save and accumulate wealth so
Simply by paying with credit cards, consumers spend more than they would with cash due a difference
We describe the design of a novel mobile phone-based application for loan management in a resource-c
Financial literacy on the SME owner/manager will subsequently improve the profitability of SME. Although, numerous researc
This article discusses a case study implementing a manualized financial therapy intervention in an on
This paper analyses financial literacy and financial behavior of middle class people living an urban A
Lack of education in financial literacy would lead to fallacious retirement planning decisions among e
In this systematic literature review, we evaluate the effectiveness of financial-literacy education pr
In a sample of advanced and developing countries observed over the 1980–2007 period, this paper docume
Financial statement literacy is vital in helping individuals make good long-term stock investment deci
We match administrative panel data on portfolio choices with survey measures of financial literacy. When we control for portf
In recent years, the financial education of young adults has gained importance in Germany; however,
This study examined the effects of (a) text presentation and (b) prior knowledge and language skill
On an average, 10% Indians are covered under different types of health insurance schemes, mostly ina
Saving promotion interventions have gained momentum in international development in recent years. Ou
Do people who lived through the depression take fewer financial risks because of the negative returns
Background: Considering the uncertainty of Mexican families about their future income and grand expect
The 2007 Italian pension reform allowed transferring future severance pay contributions into a pensi
We develop an online survey to investigate the characteristics of slot/videopoker players and scratche
Many theological students are in over their heads with student debt, as Association of Theological Sc
Utilising a nationally representative data set, an index of financial literacy consisting of financial knowledge, behaviour, and atti
Background: Among women at high risk for HIV and other sexually transmitted diseases (STIs), gender
National strategies aiming to reduce gender inequalities should focus on critical areas, such as financ
Financial Literacy is a specific component of human capital which allows individual to deal with fundam
We set out in this study to determine whether individuals with higher levels of financial literacy are
The main contribution of this study is the theoretical development of the moderating effect of cultur
This article contributes to conceptualizations of financial literacy and subjectification. An importa
Recent transitions from defined benefit to defined contribution plans assign greater individual respon
Predicting worker's effort is important in many different areas, but is often difficult. Using a labor
Using a large sample of US individuals, we show that individuals with higher levels of trust have low
This paper examines two aspects of financial inclusion in the context of Myanmar. First, it examines
A prominent concern is that college students are harming their long-term economic prospects by maki
Rural women have long found entrepreneurial opportunities by way of associating with Self Help Groups
Macroeconomic and non-macroeconomic factors are considered important in measuring market volatility;
The lack of financial education is often considered the reason for poor financial decision making abi
This study examined the relationships between GPA, gender, and ownership of ATM on accounting students' financial literacy
This book examines how credit and finance schemes affect the financial lives of vulnerable people around the world. These sch
Governments and non-governmental organizations promote school-based financial literacy programs as me
This article focuses on an area of study that may be called folk economics and that is currently not
Background. Data suggest that adverse social determinants during adolescence can set in motion a lifetime of poor social and
Financial literacy is an important attribute is not only for the individual but also the level of bus
Finance literature documents associations between a family's financial literacy and its propensity to
The anecdotal evidence suggests that in Indonesia professional athletes struggle to make ends meet aft
This study extends the literature on financial literacy and cultural (Catholicism or Protestantism) b
Defining and properly measuring financial literacy of students is a prerequisite for proposing educati
This study is aimed to reveal financial literacy among students and efforts to improve the financial l
Purpose: The purpose of this paper is to examine the gender disparity in financial literacy among ret
The study assesses the level of Financial Literacy of residents of Puducherry and investigates the impact of demographic chara
Investment decision making is a complex phenomenon driven by the behavioral dimensions of investors, ba
Purpose: The purpose of this paper is to examine whether differences in the characteristics, financial
Micro, Small and Medium Enterprises (SMEs) practices in developing economies experience a unique set
Background: Microeconomic theories of financial behaviour tend to assume that consumers possess financial skills necessary t
This study aims to analyze the direct effects of financial literacy and work engagement on agent's p
Consumers in Australia and other developed countries are increasingly required to interact with provi
University of Wollongong
Purpose: The purpose of this paper is to analyse the level of financial literacy among youth in the wo
Financial literacy is recognized worldwide as a crucial tool in increasing individuals' abilities to m
This study investigates determinants of financial behavior (FB) of university students at a university in South Africa. It examine
Following the recent financial crisis, consumer behaviour was framed as central in contributing to fin
Issues on the public financial literacy are highly relevant in the context of expanding opportunities
There has been a prevalent assumption among the promoters of financial literacy that socio-economic s
This study aims to determine the effect of entrepreneurship education, financial literacy, on entrepr
Background: Assessing individuals’ financial literacy levels is currently widely recognized as being n
The primary purpose of this study is to examine the relationship between financial literacy and busi
This study analysed the level of financial literacy among university students in Estonia, Germany, I
The increasing cost of living in Malaysia has resulted in individuals and households being more mindf
Financial literacy now appears to be a key component of a successful national financial education stra
The article examines the linkages between the interrelation of financial literacy of the population in
The study is aimed to investigate the financial literacy level of life insurance policyholders and to li
Financial literacy now appears to be a key component of a successful national economy and successful pe
Personal financial literacy (PFL) is an imperative life skill that all 21st-century students should ha
In this paper we performed a systematically review of literature on the relationship between financi
The notion of accountability carries with it an implicit sense of objecti-fication, in which schools,
The role of the financial regulator is significant in the development of its sector. This paper examin
This study explores how households’ stock market investment decisions are influenced by self-assessed
Considering financial literacy as a central factor for consumer demand for financial services, we anal
Purpose – The present paper is an attempt to understand the various concepts related to financial lit
Research shows high correlation between financial literacy skills and economic outcomes. This paper
Individuals are becoming increasingly responsible for securing their own standard of living after ret
Financial decisions represent important decisions in everyday life, as they could affect the financial
Background: Lowering the likelihood of hospitalization in older adults is a major public health goal f
There has been a lot of research on financial literacy that has been done in many countries, but the pa
This study presents a community-based financial literacy program offered to low-income families in th
Research has identified many factors associated with homelessness in Veterans; however, relatively
In developing countries, savings is an important financial tool, particularly for micro-business with
The article discusses financial literacy-FL, the history of its development, and the current research
This study aims to provide empirical evidence on the current level of financial knowledge score amo
The recent economic crisis has heightened the need for the society in Malaysia to manage their finan
Small businesses play a crucial role in the Australian economy in terms of income and employment. Reli
Knowing which factors underlie beliefs concerning financial planning for retirement (FPR) among young
The purpose of this paper is investigate financial behaviors of rural household in Tamil Nadu. Financ
We obtained 180 pre-and post-test surveys to investigate how an established financial literacy progra
Compared with the developed countries such as Britain and America, China’s financial and business e
This article reviews the literature on the measurement of, impact of, and interventions foreconomic
Nearly half of all American households are financially insecure, without adequate savings to meet basi
The goal of the article is to provide a critical analysis of the regulations, which are part of state
Consumers regularly make decisions. Some of these decisions are relatively simple, such as a selectin
The top 1% owns nearly half of the total wealth in the U.S, while one in five children live in pover
Introduction: Personal finance has been linked to wellness and resiliency; however, the level of financial literacy among reside
Although many researchers have investigated the factors that influence compulsive buying behaviour,
In sub-Saharan Africa (SSA), youths (23 years or younger)—who account for almost half the population—ar
Financing long-term care for elderly people is a crucial issue, either towards the family members o
Robo-advisors are web applications for financial planning guiding users through a self-assessment proce
The purpose of this study was to analyse rural farm households' access to formal agricultural credit
We evaluate how financial education provided to college students influenced their financial knowledge
Corporate Finance is a fashionable field in schools of Economics throughout the World. Although the
This article studies the financial decision-making behavior of U.S. families that have difficulties p
Many households concurrently hold low-yield liquid assets while incurring costly credit card debt. In
This article provides an overview of the Understanding America Study (UAS), a nationally representative Internet panel of app
This paper stems from a research project on transparency, accountability and communication in local p
We study the combined effects of financial incentives and information provision on retirement behavi
The main goal of this paper is to compare the level of fi nancial literacy among the selected faculties
Many organizations have implemented programs to improve the financial behavior of impending retirees a
Concern about the impact of payday lending concentrates on the clients, but who are they? This chapter provides a statistical
AGENCY OVERVIEW: Agency Overview: Latino Family Services Organization (LFSO) is a small community-based organization ba
This chapter focuses on the relationship between economic and industrial understanding (EIU) and environmental education.
Employees are the most important resource to any organization. They contributes to the success and d
Credit card related over-spending represents not only an issue on the individual level, but also a g
Presented paper focuses on measuring tax literacy among bachelor degree students at the University of
This article reports on the status of consumer education in Canada in 2016 (junior and senior high),
Across 6 studies we investigated the development of overconfidence among beginners. In 4 of the studi
The financial markets of the Islamic Republic of Iran, mainly represented by the Tehran Stock Exchan
Stock market price volatility is not solely affected by macroeconomic factors but non macroeconomic f
The purpose of this chapter contribution is to discuss the contributions of informal ethnic entrepren
Credit is deemed central to the economy of a country. However, it becomes a problem when people find
Purpose: Emerging evidence correlates increased physician leadership effectiveness with improved pat
Purpose: The purpose of this paper is to examine the direct and indirect moderation effects of demog
Since the decade of 1970 onward in Chile, there has been a substantial change in terms of economic be
Introduction Population ageing is a welcome testament to improvements in the social, economic and he
Background: Micro health insurance (MHI) has proved to be a potential health-financing tool for many developing countries. B
Background: Vaccination is a proven tool in preventing and eradication of communicable diseases. Due
Purpose: The purpose of this paper is to investigate success factors pertinent to the management of I
The international legal principles of banking regulation and supervision, developed by the Basel Commi
There are new initiatives undertaken since Prime Minister Modi’s government assumed responsibilities in 2014. The Pradhan M
Aim/Purpose This paper explored the factors (enablers and barriers) that affect Bitcoin adoption in So
Although financial literacy is important for participating in financial markets, the level of financia
The importance of financial literacy in promoting good financial behaviour has been established in Mal
Purpose: Throughout the world, the dominant discourse treats “financial literacy” as both necessary and
Utah 4-H and Fidelity Investments collaborated on a program for increasing the financial literacy of teens and children. The co
Purpose To examine the association between financial literacy and Problematic Internet Shopping in ad
Purpose: The Québec Ministry of Education has introduced – as of September 2017 – a new mandatory co
This study addresses African-Americans’ retirement readiness and the factors that contribute to Afric
The completion of the process of creating an integrated financial space for the Eurasian Economic Unio
Background: Saving plays a crucial role in the process of economic growth. However, one main reason
The article addresses the impacts of remittances in recipient countries in North and Central Asia, no
Financial socialization, or who and how individuals were influenced financially, while growing up, ha
Game can offer a variety of benefits in learning. There are two ways that a user can learn via game,
Drawing on the model on financial planning for retirement (FPR), the aim of this work is to explore ho
We compare the financial literacy of two groups of Koreans living in South Korea, namely, native-born
More information is needed about the financial experiences of justice-involved persons with severe m
Due to demographic change, the replacement rates of the German statutory pension scheme will decrease
We measure financial literacy among LinkedIn members, complementing standard questions with additional
This article analyses how financial literacy and role models contribute to explaining the performanc
This article is a contribution to critiques of the mainstream trends in financial literacy education an
Life-skills based financial education (LSFE) for young people is one potential intervention for impro
The recent contexts of financial and economic crises have fostered discourses and initiatives for enc
This review focuses on the issue of poverty affecting economic decision-making. By critically evaluat
The purpose of this study is, with the existing data about the level of financial literacy at hand, to e
This study examines the impact of using cartoons shared through mobile devices to promote awareness
In a meta-analysis of 126 impact evaluation studies, we find that financial education significantly impacts financial behavior an
Early withdrawals from individual retirement accounts are one of the main problems of pension compan
The paper deals with the possibilities of applying a metacognitive strategy in the teaching of subject Economics in the environ
We develop a novel model of rational choice in the presence of information frictions–frictions which w
This paper studies the importance of social interactions for the adoption of financial services among
Existing studies on financialisation have used Foucauldian governmentality to examine how everyday co
Financial well-being is a yardstick for the measurement of individuals' financial security and their ab
Policymakers around the world call for more competition in the banking sector. One prerequisite to ach
Objectives Addressing the social determinants of health has been identified as crucial to reducing he
Students’ financial behavior has become a crucial topic for many research studies. There is a debatab
Now more than ever, policy evaluation is an important component in addressing the world's economic crisis. Before it can do
Using 1,400 survey responses collected from two large urban community college systems in Texas, this study examined how st
Background: A large body of empirical literature indicates that gender and financial literacy are sign
As libraries work to define their roles within the global financial literacy education movement, it w
The two objectives of this paper are to examine the effect of financial literacy, risk aversion and ex
This study examines the level of financial literacy of inmates in Arkansas correctional institutions.
Present study unfolds the impact of individual investor behavior and financial literacy on investment
The purpose of this paper is to study the status of financial literacy among small scale entrepreneu
This paper explores who is financially literate, whether people accurately perceive their own econom
In the current competitive market, innovation has become a crucial element for organizations, willing
This article describes the National Financial Capability Study (NFCS) and provides general and method
Gamification has a clear influence on software design, development and plays an important role in the
Today, financial and economic education is a primary issue in academia and among policy makers, and t
Individuals have goals to be achieved throughout their life and require an understanding of financial
The extent to which premium subsidies can influence health insurance choices is an open question. In t
Objective To examine whether Supplemental Nutrition Assistance Program (SNAP) participants exhibite
As Americans faced financial devastation resulting from the 2008 housing financial crisis, left them in a critical financial hardsh
In the progress of Islamic finance that is increasing rapidly, until the present there is no measuring
The global financial crisis provoked countries to individuals to be more aware of the financial knowl
This study aims to (1) identify the direct effect of financial literacy on financial behavior; (2) ide
This paper aims to identify factors that play important roles in determining the likelihood that young
Using a survey of clients from one of the largest Italian banks, we find that investors with low level
Changes in economic conditions and healthcare delivery models have shifted more healthcare costs to patients, resulting in gr
The level of financial literacy tends to be low in children, while information and financial educatio
Objective To examine the development and implementation of a novel income security intervention in p
The purpose of this paper is to determine how the use of social networks in the client relationship-ba
This paper analyses the promotion of financial education by many national and international organisations around the world.
This paper offers a wide-ranging introduction to the symposium on the material culture of financialisa
In the absence of critical inquiry, traditional financial literacy education risks socialising economi
This article provides experimental evidence that bidder and target shareholders of a takeover announ
This research builds on the idea that debt-related financial distress faced by an individual results p
Financial literacy and numeracy levels affect the ability of consumers to read, understand, process and reflect on the informati
In this survey, we review the voluminous body of literature on the measurement and the determinants of
In this paper, we draw on internationally comparable survey evidence on financial literacy and retir
This study empirically investigates the relevance of an 'individual's attitude towards money' as a
We developed and experimentally evaluated four novel educational programs delivered online: An inform
This special issue on financial knowledge and retirement security builds on prior studies in this jou
We explore whether investors who are more financially knowledgeable earn more on their retirement pla
In the Czech Republic one of the key tasks of an education system is to ensure the financial literacy of citizens. Scarcely any to
Greater numeracy has been correlated with better health and financial outcomes in past studies, but causal effects in adults a
Given the high and rising household debt in Malaysia, the objective of this paper is to ascertain the c
This book explores the issue of consumer financial education, responding to increased interest in, and calls to improve people
This study examined potential effects of financial literacy on household portfolio choice and investme
The aim of this study is to examine the level of small and medium enterprises (SMEs) business owners
The goals of this study were to explore gender differences in the components of financial literacy (fi
A logistic regression model was used to investigate the effects of financial literacy, financial advis
We document strikingly similar gender differences in financial literacy across countries. When asked to answer questions that
Many policyholders surrender their life insurance policies early, leading to substantial monetary losse
This article examines the relationship between broker–borrower interaction in the origination process and subsequent mortga
At the present stage of socioeconomic development of Russia, the problems of citizens' pension securit
The case depicts a situation faced by a company in the business of financial inclusion services. FINO PayTech Limited (popularl
Central banks emphasize the use of communication as a tool of monetary policy. As central banks incr
Objectives: This study aimed to assess residents' and fellows' knowledge of finance principles that may affect their personal fin
This study evaluates attitudinal outcome of financial education workshops on the financial autonomy
Background: Adolescents in less developed countries such as Zambia often face multi-faceted challeng
This paper investigates the gap in Financial Literacy (FL) between native and immigrant 15-year-old s
The decision to buy a home is one of the most important choices faced by a household. Most young h
Choosing a mortgage is one of the most important financial decisions made by a household. Financial
Many students are averse to taking out loans to pay for education—a phenomenon that is commonly discu
Teachers often use in-class questions to examine the level of understanding of their students, while these also enable student
markets when some consumers are naive about shrouded add-on prices and banks try to exploit this. Al
The implementation of National Strategies indicated that financial literacy and education is an impor
Background: Both financial literacy (managing personal finances) and health literacy (managing persona
The Test of Financial Literacy (TFL) was created to measure the financial knowledge of high school stu
In this article, the authors present the adaptation and validation processes conducted to render the A
Disclosures in advertising and other forms of marketing communication have been examined as a means t
The introduction of prevention-oriented financial therapy in foster care is presented. Consideration
Investors' financial risk tolerance is crucial in the formulation of suitable financial advice; in th
This review discusses the heterogeneity in the effectiveness of financial education programs that oc
This article aims at finding the relationship between households’ personality traits and their financia
Issues related to financial matters are an integral component of the curricula in vocational educatio
Economic classroom experiments are controlled interactive learning exercises targeting the comprehe
Drawing on a novel database of the 401(k) plans of 296 firms, we examine the international equity allo
Transitional age foster youth do not typically receive the types of family supports their nonfoster
Development of financial management theory developed rapidly; forming branches roots. Start with Value of the firm theory,
For a country which is developing and is looking to achieve sustainable development, it is important
Financial literacy integrated with Investor awareness is one aspect which helps individuals to manag
We tested the hypothesis that higher financial and health literacy is associated with better cognitive health in 755 older perso
As part of ongoing design-based research exploring financial literacy teaching and learning, 10 task
OBJECTIVES: Although patients with cancer often face serious financial hardships, few studies have reported on strategies to m
Financial literacy education (FLE) continues to gain momentum on a global scale. FLE is often descri
This paper proposes a comprehensive explanatory model to explain both causes and consequences of over
Seeking professional financial advice to assist with financial decision making is an important option for consumers faced with i
The Patient Protection and Affordable Care Act, signed into law in 2010, is the latest in a long string of efforts to reform health
Is wider access to stockholding opportunities related to reduced wealth inequality, given that it cre
Companies are allocating increasing coproduction workloads to consumers. Ironically, many consumers ma
Using the pilot survey data on “Measuring financial literacy” in 2010 from OECD (International Netwo
A large gap has been identified between the current and optimal economic performance of wild-capture
Automation is everywhere. Robots can become lawyers and nurses - as well as investment advisors. Inv
Over the last decade, Financial Literacy (FL) and interventions aimed at improving it, that is Finan
In this paper we study gender differences in investment behavior. By making use of a dedicated proprie
There is increasing evidence that people underestimate the magnitude of compounding interest. Howeve
Teaching financial literacy is important at all stages of life, but is often neglected with elementary students. In this article, the
To prepare students to work competently with financially at-risk individuals, families, and communities, social work schools ne
South Africa has high youth unemployment. This article examines the predictors of youth employment
Entrepreneurship is defined as the capacity to detect and act upon economic opportunities in the env
We use survey data from a sample of 4000 adult financial consumers in Zimbabwe to analyse the determin
This study aims to measure the impact of financial literacy, perceived ease of play (PEOP), and learnin
Financial literacy skill is a vital element in the discipline to achieve a quality of life as rural hou
Given the dynamic changes in the economic environment, especially in financial markets, a need is felt t
Small and Medium Enterprise (SMEs) contributed 29.6% of GDP in Malaysia in 2005, and by 2014 its shar
Low financial literacy is a global phenomenon. In an increasingly materialistic and complex world, lack
The interest in retirement planning is increasingly brought to common people’s attention due to demogr
Today European banking is in a great financial as well as a moral and ethical crisis. The purpose of thi
This paper seeks to examine financial literacy level and personal financial behaviour of the school te
When we talk about financial inclusion in India, we generally talk about the supply side of the probl
This study examines how financial literacy, financial behaviour, family support (as another source of
Purpose - The purpose of this paper is to establish the mediating effect of financial literacy in the
Purpose: The purpose of this paper is to establish the moderating effect of financial literacy in the
Purpose: Literacy represents one’s ability to process and produce materials related to a domain. One
Financial literacy has become an increasingly important ability in today's complex world. Young peop
Consumer, economic and financial literacy education at school is central to active and informed citizenship. Over the past deca
This study was performed to evaluate and examine financial literacy and retirement planning in secto
The purpose of this article is to assess the student teachers' capacity and willingness to teach finan
Recent empirical literature provides evidence that financial literacy, human capital, education, savi
We study the complex relationship between financial literacy, retirement planning and trust in financi
Purpose: The purpose of this paper is to examine the impact of individual components of financial lite
This article examines the mismatch between the political discourse around individual agency, education, and financial literacy
Financial risk tolerance is certainly an important topic for researchers, investors and personal finan
Empirical evidence indicates quite a low level of financial literacy in both developed and developing
This study aims to investigate the influence of cultural and financial literacy on financial through
Purpose: The purpose of this paper is to study the influence of factors such as financial literacy on
Purpose: The purpose of this paper is to investigate roles of financial literacy, financial behavior, a
Purpose: The purpose of this paper is to investigate the impact of financial literacy, risk attitude,
The aim of this paper is to assess the determinants of financial literacy amongst Italian students and to evaluate the role of stu
Households age 60 and older bear increasing responsibility for managing retirement portfolios, and they
This paper considers the influence of time perspective on financial health, hypothesizing that the influence on financial health
As long as there is an academic discussion about the essence of finance, specifically, of whether it
In Australia there is an obligation to promote the informed participation of financial consumers whil
The article explores various approaches to the development of cognitive process dimensions in financ
This paper is focused on mining and interpreting information about effect of financial literacy on ind
Topics on personal finance literacy are still considered minimal in Malaysia. If there are surveys on
Purpose - The purpose of this paper is to examine the mediating effect of financial self-efficacy (FSE
The purpose of this study is to know the role of order system service Online Car Rental Services to t
Financial literacy can play an important role in supporting the livelihood of the poor. Sri Lanka, be
Purpose: The economic downturn and financial meltdown in the changing retirement savings and pension
This study explored the relationship between financial literacy and the use of interest-only mortgag
We examine underlying factors that explain an exceptionally low stock market participation rate among L
This paper describes the development process of the game "Edu no Planeta das Galinhas" in a partnership whith public school
This article describes a study that investigated pre-service teachers’ awareness of the interdiscipli
The current economic volatility has affected the financial situation of individuals, particularly so i
Financial Education Programs –FEP– enjoy widespread governmental and private support and are considere
The aim of the present study was to examine the impact of professional financial experience on the re
This paper aims to investigate the demand for life insurance in Malaysia. 7 variables (financial litera
Purpose: This study aims to examine the roles of individual factors on risky investment intention as an
The paper examines the factors, which affect decision-making on regular personal saving behaviour in th
This article uses administrative data on all active employees of the Federal Reserve (FR) System to examine participation in an
This chapter examines the attitude of African entrepreneurs and individuals towards seeking support a
The objectives of this study were to assess consumer knowledge of their health insurance plan and ov
Is the way that individuals make risky financial choices, or tradeoffs over time, related to demographi
Purpose: The money management behaviour of undergraduates is a noteworthy study for many stakehold
This study examined the relationship between the determining factors and the total debt of an individ
Consumer education and financial consumer protection have received significantly increased attentio
Nowadays, questions related to citizens’ financial literacy, their abilities to plan for future and
Purpose - The purpose of this paper is to provide a mapping of financial distress among consumers i
The Bijak Wang or Smart Money programme is a half-day interactive workshop on money and money manag
Financial instruments are being introduced by different financial companies to bring different avenues
In the current economic environment with various product and services offered by financial institutions
This chapter is concerned with the understanding of the bankruptcy process by the Black and Minority
A robust banking sector is crucial to the economic health of every nation. In India, the fast-growing and competitive banking in
Institutions often offer a menu of contracts to consumers in an attempt to create a separating equili
This paper examines the determinants of perceived and actual knowledge of commission paid by contrib
Background: The Affordable Care Act established policy mechanisms to increase health insurance covera
Financial knowledge helps individuals to make better financial decisions as much as it helps financia
Elizabeth Malafi is coordinator of the Miller Business Center at the Middle Country Public Library in Centereach, New York. She
This chapter discusses the implications of both individual and aggregate saving behaviour for indivi
Purpose: The purpose of this paper is to explore the landscape of financial services in Africa through
This chapter first presents different definitions of poverty. Next, it explains the characteristics of
This study highlights the relationship between the competitive environment in the domestic banking se
This chapter examines the attitudes of three neoliberal business economists about the welfare state i
The process of business closure arising mainly from bankruptcy is of huge importance as it shapes th
This conceptual paper examines Muslim consumers’ intention to participate in the purchase of life ins
We surveyed representative sample of 1,004 adult Poles to check the extent to which they distinguish
The German education system in general and the vocational school system in particular aim to follow me
Purpose: The purpose of this paper is to systematically review the literature published on the variou
Women have made tremendous contribution in their families as well as to the economic development wh
The economic crisis offers an opportunity to compare the adolescents’ prior conceptions on a transn
Purpose: The purpose of this paper is to understand if and how saving motives can predict bank custome
Purpose: The purpose of this paper is to examine the level of understanding of Islamic banking conce
Despite its promise as a powerful tool for alleviating poverty, research suggests that microfinance
Purpose: The purpose of this paper is to examine empirically the determinants of owner manager financ
Purpose: This study aims to investigate the association between Muslim individuals’ portfolio allocatio
Introduction: Cisgender and transgender woman sex workers (CWSWs and TWSWs, respectively) are key po
Purpose: Financial threat is defined as fearful-anxious uncertainty regarding one’s current and futur
The purposes of the paper are, first, to investigate financial literacy in university students and to
It is essential that librarians providing financial literacy programming understand how their programming ties in with the availa
This study applies a novel approach to explore consumer financial literacy - the necessary skills and
Financial literacy can explain a significant proportion of wealth inequality. Among the key componen
Asian household de continuously rise in recent years, including in Malaysia. This scenario might lead
Financial literacy programs are quickly gaining in popularity around the globe. A relatively new targ
This study has incorporated an integrated conceptual model which investigates the impact of financial
It has long been argued that financial literacy education should begin in childhood or adolescence,
This article presents an ongoing research on the use of mobile devices to support daily routines and
We explore whether the presence of female directors on the boards of high-technology firms has an im
Income disruptions can have devastating effects on a household's welfare particularly when households
This article presents a case study of appreciative inquiry applied to client work within the context o
Greater personal responsibility toward financial decision-making is being advocated on a global basis
We empirically analyze surrender behavior for variable annuity contracts using Japanese individual policy data. For traditional
This study extends the existing literature on the determinants of behavioral biases of Turkish finance
The paper analyses levels of financial literacy among university students in a Belgian University and
Financial literacy has been recognised as a vital life skill, but there is little evidence of the fact
We find that people with higher confidence in their own financial literacy are less likely to seek f
The purpose of this study was to explore potential effects of financial education on the financial capa
This article draws on two empirical case studies to draw out the way in which the causes of poverty i
A limited understanding of mortgage contracts and the risks involved may have contributed to the ou
This paper uses court's decision in ASIC v Healy (The Centro Case) as a natural experiment through wh
This article suggests that learning about basic concepts concerning the risk and return of assets will
We investigate the role of bank information policies in fostering the accumulation of financial knowledge. Exploiting the exoge
Pradhan Mantri Jan Dhan Yojana (PMJDY) is one of the remarkable steps taken by the present Government
This study examines the construction of debt attitudes among 439 first-year undergraduates in England and New Zealand. It w
In this article, the authors present the findings of a pretest-posttest measurement of the economic
Making informed financial decisions is crucial to the wellbeing of Chinese migrant workers. Using interview survey data (N = 3
ABSTACT: Appropriate use of formal financial institutions facilitates saving and asset building. Ye
This paper addresses the effects of education in the financial behavior of Spanish families in relati
Although national housing markets have recovered from the Great Recession, communities hardest hit b
Purpose-The purpose of this paper is to examine motivations underlying UK repurchase activity. Specif
Background: The behavioral health care environment in the United States is changing and many experts
This study measures the level of financial literacy and evaluates the impact of demographic and socio-e
The determinants of the gender gap in financial literacy, an important correlate of financial wealt
The mathematics of downside financial risk can be difficult to understand: For example a 50% loss re
After the 2008 crisis, the Russian consumer loan market shows high growth rates, accompanied by the q
Young Americans are heavily reliant on debt and have clear financial literacy shortcomings. In this paper, we study the effects
A discussion of the development, implementation, and results of two service-learning projects from different mathematics cou
We study financial risk taking via standard and sophisticated financial investments. Using survey data
We organise a field experiment with smallholder farmers in Rwanda to measure the impact of financial literacy training on fina
Nationally, the outcomes for youth aging out of foster care are dismal. Most children leaving foster
Purpose – The purpose of this paper is to identify factors influencing the financial attitudes of Ind
ABSTRACT: Conflicts over finances are a key reason why marital relationships dissolve. Financial liter
Student debt has increasingly become an important topic in higher education. Many students, particularly low-income and firs
Despite thousands of programs and tremendous public and private interest in improving financial deci
Burgeoning student debt and the ability of programs to adequately prepare students for jobs that will allow them to repay tha
This paper deals with financial literacy in adults. The topic is approached from psycho-social and educational viewpoint. Financ
Scientific purpose of this paper is empirical assessment of financial literacy (FL) of individuals by
In this paper we measure levels of financial literacy among Mexican high school students between th
Objective: We investigated the relationship between financial literacy and patient engagement while c
Financial transactions sometimes occur in an environment where third-party enforcement is lacking. Be
Objectives: Financial literacy helps the persons to understand the information regarding financial asp
Purpose: African American (AA) fathers who live apart from their children face multiple obstacles to
Most index-based insurance products have been developed without giving explicit attention to gender.
Financial world is crucial as people assume more responsibility for their own financial security. For
Teens' financial literacy, their ability to understand financial concepts and make effective decisio
I use subjective expectations data on future asset returns from the Italian Survey of Household Income
When Shasta's father loses his job, she is devastated to learn that previously laid plans for her up
The validity of the Executive Personal Finance Scale (EPFS) was tested in a sample of 93 undergradua
The role of pre-vocational education in general compulsory education has become increasingly relevant
Can training improve the entrepreneurial outcomes of those in poverty? Typical training modalities t
Much policy attention has been placed on enhancing individuals' financial knowledge and literacy, chief
Public perceptions of both risks and regulatory costs shape rational regulatory choices. Despite deca
The importance of electronic education has been increasing, steadily developing, constantly changing
The present study considers habitus as a matrix of symbolic competencies of the population which form
Actively developing in recent years, the relationship between the population and commercial banks has
Psychology has contributed to our understanding of how economic and financial concepts are assimilat
We investigate the determinants of the level of financial literacy and financial inclusion of poor peopl
More and more individuals are becoming overindebted and facing difficulties in managing personal fina
Theoretically, weather-index insurance is an effective risk reduction option for small-scale farmers in low income countries. Re
Financial literacy, the ability to understand, access, and utilize information in ways that contribut
After graduating high school, underage individuals soon face ever more complex and important financia
Training programmes are popular development interventions that aim to address problems of youth u
The widespread use of personal computing presents the opportunity to design educational materials tha
This paper studies the relationship between financial literacy and retirement planning in Chile, a co
Objective To assess three possible determinants of individuals' response in their private insurance
Study-related prior knowledge plays a decisive role in business and economics degree courses. Prior
Introduction Little is known about the role of positive financial behaviors (behaviors that allow maintenance of financial stabili
The paper analyzed the pattern, progress, and determinants of financial inclusion in India during the
As financial literacy is quickly becoming one of the most important twenty-first century skills, edu
Over the past few years financial literacy has gained increasing public attention in Germany. Because
This Handbook presents in-depth research conducted on a myriad of issues within the field of financial literacy. Split into six se
In this chapter, we present findings on teachers' financial literacy from a Swiss perspective. Analyse
Financial literacy education in South Africa is an active and growing field, especially promoted by ma
In 2012, an additional assessment of financial literacy took place within PISA, which gained increase
This chapter describes a research project that compared the beginning and ending semester attitudes t
In the aftermath of the 2008 financial crisis, it became obvious that Swiss private households were inc
As the cost of financial illiteracy is becoming increasingly high for society, the pressing need for
Financial literacy (FL) is becoming ever more significant and relevant as both the spending potential
This chapter is about how to teach teachers to teach finance. It considers whether the teaching of fin
With the implementation of its National Strategy on Financial Literacy, Indonesia has initiated a num
Three assumptions underlying financial literacy programmes in OECD member countries are discussed fro
This chapter presents research activities that aimed at contributing to an educationally sound financ
The Mexican experience in financial literacy began in the 1950s, when the Federal Government establis
Aside from being pertinent to the financial stability and economic development, financial literacy is
As financial markets become more complex and as financial decision-making shifts to individuals, indi
An increasingly financialized world requires people to make more complex financial calculations and dec
Financial literacy education (FLE) is not a technical, apolitical response to offloaded financial risk
An emerging body of literature in the study of financial literacy highlights that information plays a l
The term 'financial literacy' seems to imply that the 'financial' is readable. In spite of a wide field
While the financial well-being of Americans has generally increased since the last recession, the lat
This chapter applies argumentation theory to reveal conclusion-premiseinference structures for Canad
This chapter explores the preparation of educators to teach personal finance and professional devel
We describe the historical development of financial education policy in New Zealand, focussing on de
Financial literacy standards based on the recommendations of the OECD are fully implemented into the
The importance of adult and youth financial literacy in various countries is being increasingly recog
Decision making competence is a central objective of economic education in general and financial educ
This chapter reports on the current status of financial education in Romania, an EU country which ha
In this chapter, we examine the performance of male and female students participating in a unique and
The understanding of financial literacy as a twenty-first century skill often goes back to financial
Most countries lack a policy infrastructure that supports both financial education and access to finan
Financial education for children involves the transmission of-and contributes to modify-knowledge and
This chapter traces the history and political interests that fostered the espousal of a place for finan
Even in a relatively wealthy country with an extensive system of social benefits such as the Netherlan
Austria is a small, but relatively wealthy and well-developed economy at the heart of Europe. It has
Study's purpose for thismixedmethod, longitudinal studywas twofold: (a) to investigate how utilizing
Purpose – The purpose of this paper is to build and compare models that assess university students’ f
Consumer financial literacy remains a subject of intensive discussion within academic, business, and
This study examines the association between foreign shareholdings and several characteristics of boar
Surveys show that financial literacy levels are typically low around the world, despite the widening access to financial services
John “Jack” Soper passed away on August 9, 2013. A prolific researcher who retired as the John J. Kahl
This paper describes an economic and financial education program at the elementary grades involving
We test the relation between ambiguity aversion and five household portfolio choice puzzles: nonparti
This paper proposes a new service system that explains the process of social innovation (SI) in educa
The global economic crisis has been a learning experience the world over. The causes of this crisis
Background/Objectives: The article presents a descriptive analysis of the household sector response t
This article examines the relationship of personal finance in a narrative-based treatment strategy as
Financial education is becoming imperative in a society that has pitfalls for unwary consumers. To ens
This study examines financial literacy and its relationship with financial disputes. We devised two sp
There is a clear need for financial literacy programs specific to survivors of intimate partner violen
This study examines how remittances can influence economic growth under different levels of financi
Purpose – The purpose of this study is to question the undifferentiated treatment of individual trade
Virginia Woolf was outraged by the privileges of her own social class, and had a life long sympathy fo
Purpose The purpose of the paper is to identify the determinants of the probability of living beyond
Today's graduates should be grounded in the basics of personal finance and possess the skills and knowledge necessary to ma
Based on the premise that financial literacy take place in networks to influence the level of financial
The 2008 recession underscored public concern that financial illiteracy has costs that are not limited to the individual who ma
The millennial cohort has faced a unique environment that may have a lasting impact on the financial investment decisions th
The objective of this study is to investigate the financial literacy of beneficiaries of the Bolsa Fa
The behavior of overspending and compulsive buying has been a great issues recently in developing co
A combined measure of financial literacy that includes both a test score of actual financial literacy and a self-rating of overall fi
Financial literacy has been a global issue as it is widely considered that financial literacy is import
Because financial literacy is an important skill for middle-grades students, this article suggests num
Over the past two decades, interest in financial literacy has increased massively worldwide. One result has been a proliferation
An unexpected finding within the financial literacy debate centres on the relationship between financial literacy levels and fra
The results obtained in the process of assessment of the level of individual's financial literacy pro
This paper finds that financial literacy, along with financial practice, play a role in the financial decision making process of hous
Financial literacy plays an important role in ensuring individual's welfare; hence, it is essential t
The need for making optimal financial decisions is very important in small and medium enterprises (SME
Purpose: The purpose of this paper is to examine the mediating role of social capital in financial lite
The research paper analyzes the connection between financial literacy among several target audiences a
The purpose of this study was to examine the relationship between financial literacy and financial be
The concept of financial literacy and capability is seen as important in modern economies. An importan
The literature on access to finance has confirmed a positive relationship between access to finance a
Purpose: The purpose of this paper is to evaluate whether low financial literacy is associated with
Stock right investment decision is expected to provide the expected profit. This research aims to det
Increasing life expectancy together with reforms in the retirement savings market and changes in the job market pose significa
This study aims to develop the constructs in order to test the validity and reliability of Islamic fina
Today’s financial markets seek the attention of governments to address two key issues: financial inclusion and financial literac
One essential feature of microfinance is microfinance plus which includes components like training, i
This book presents selected papers on the factors that serve to influence an individual’s capacity in financial decision-making.
Financial literacy is an important area of education for secondary school students, because appropria
Purpose: This study aims to examine the role of involvement in saving money (ISM) to better understa
We examine improvements in financial knowledge for 8th-grade participants in our financial fitness ca
Objectives of the Study: The purpose of this paper is to examine the role of financial literacy in the
Financial inclusion has been accorded high importance by the Gol and RBI to aid the inclusive growth p
Teachers of business and economic journalism are developing creative approaches to attracting studen
Women tend to be less financially literate than men, consistent with a division of labor where husbands manage finances. How
The article presents interpretation of the content and structure of consumers' financial culture usin
The purpose of the study was to get insights of the financial knowledge, behavior, and attitudes of t
In the past decade, there has been notable accumulation of evidence suggesting that many households have considerable diffi
The main objective of this study was to evaluate the impact of Audit Committee Attributes on financi
Financial education is one of the most economically important issues in the world, due to the existenc
The paper, “Information Literacy as a Right and a Duty: the Experience of the Czech Republic,” present
This study aims to measure the level of financial literacy of young people who have received formal
Investment decision making is a very crucial process which is influenced by many factors. An importan
Financial decisions are among the most important life-shaping decisions that people make. We review
Client risk tolerance is universally assessed in the advisory process to help financial advisers provid
High rates of financial illiteracy among households represent a serious problem not only for the indivi
Choosing a retirement plan is one of the most important economic decisions people make in their lifetime. Under Israel’s pens
Research on consumer contact with the financial industry may have important policy implications (Akinbami, 2011; Campbell e
The wide availability of credit cards requires concern about how people can use this credit instrumen
This paper explores the recent series of financial scandals in the Australian financial advice indust
The dramatic shift from traditional pension plans to participantdirected 401(k) plans has increased the obligation of individual
Purpose: This paper aims to develop a conceptual framework of inclusive Islamic financial planning (IF
Beef businesses in northern Australia are facing increased pressure to be productive and profitable
Financial Inclusion enables the poor and marginalized group of people of our country to avail financia
Financial literacy and cognitive capabilities are convincingly linked to the quality of financial decision-making. Yet, there is little
Research examining the influence of social norms on motivating savings behavior is scarce. The curr
The challenges posed by the aging of the U.S. population for business and public policy are vast. Th
Financial untouchability is a phenomenon that results from certain situations that prevents people to
This paper empirically examines the level of knowledge and participation of the citizens of Barranquil
Financial fragility and inadequate emergency savings are commonly associated with lower educational
This paper reports the results of a behavioural experiment on the ability of Thai individuals to mak
Measurement of financial inclusion is necessary to study the impact of various initiatives by stakeho
A majority of employees, particularly women, are hoping for a retirement life that is relaxing and s
The purpose of this paper is to investigate the determinants of demand for mobile money services by
This study explores the role of income for young people with experience in foster care transitioning t
The use of the credit card is one of the most popular payment methods and the most convenient sources of finance all over th
Innovations in Economic Education addresses the growing issue of financial illiteracy by showing how economics can be succe
The paper provides the verification of a proposed technique aimed to develop students’ economic compe
In 2009, the Louisiana Board of Regents ceased to require that all undergraduate students receive cre
This article considers banking sector development, which is connected with the improvement of doing
ChartMaster is a digital tool developed by Hong Zou in 2015, through co-design with visually impaired
This paper sheds light on how semantic technology can be a key driver for promoting financial awarene
One central aim of people is to maintain a decent standard of living and quality of life into old age
Purpose: The financially excluded are often denied basic financial services from mainstream banking in
The financial sectors with their various derivative products have become important media in supporti
This paper considers how Orestes Brownson used the Boston Quarterly Review, the periodical he established, edited, publishe
Development involves the sustained elevation of an entire society and social system toward a better
The purpose of this case study was to investigate the impact of online learning tools on students' att
Defined contribution (DC) pension plans are an increasingly important means of financing retirement c
Background: Despite advances in treatment of people living with HIV, morbidity and mortality remains
Financial literacy predicts informed financial decisions, but what explains financial literacy? We use
Women participate less than men in the stock market and score lower on financial literacy. We explore
We characterize the literacy of an individual in a domain by their elicited subjective belief distrib
Unlike historical and biological topics, economic topics are seldom dealt with in documentations on t
Although much research has been done on financial literacy and the use of credit cards, ours is the
Stock market charts guide investors in making financial decisions. Online stock market charts are lar
In this paper we present the main research outputs from the first stage of the European project eFinli
Workplace financial literacy educates the entire library staff on the financial and business aspects o
We assess alternative presentations of investment risk using a discrete choice experiment which asked s
Objective: Literacy is an important determinant of financial and health outcomes in old age, and cogn
The Indian mutual fund industry is playing a significant role in the development of capital market and in the growth of the Indi
Purpose – The purpose of this paper is to focus on the lack of financial literacy as one probable facto
A recent meta-analysis of the effect of financial literacy and financial education on downstream fina
I am delighted to be asked to give the Colston Warne Lecture at the American Council on Consumer Interests annual conferen
While increased financial literacy may improve individual retirement savings decisions, modifying the placement of key inform
Buying a retirement saving plan in Israel involves meeting with an agent whose interests may differ from those of his or her cu
Reforms are meant to change people’s behavior. Their effectiveness crucially depends on citizens reco
Praise for Audit Committee Essentials. "Audit Committee Essentials is an excellent and comprehensive resource, documented
The paper explores the impact of microfinance on multidimensional constructs of empowerment and th
As the funding environment for higher education and theological education changes, an increasing number of graduate theolo
Objective: To compare the awareness of financial wellness between male and female medical students.
The confident disposal of personal income based on survey of 1006 respondents, as well as the efficient management and use
In this study, the authors intend to identify psychological factors which could influence the criteria
This article is a state-of-the-art synthesis of literature concerned with the concept of Numeracy (also known internationally by
A Critically Compassionate Approachto Financial Literacy offers a unique approach to conceptualizing financial literacy. Differe
The objective of this paper is to apply cognitive map-related techniques to extract causal knowledge
Purpose – The reviewed literature emphasized that the student loan debt issues have a lot of connections to the economy. Th
The purpose of this study is to examine age differences in financial capability. Financial capability i
Most doctors complete their medical training without sufficient knowledge of business and finance. This leads to inefficient fin
Online investment advisors, recommender systems in the finance domain, are becoming more common as a
Financial literacy is an essential attribute that allows people to reach a successful financial state.
The majority of youth consistently receive failing scores on financial literacy tests—even those who
This study examined financial capability and economic hardship among low-income older Asian immigrants in a supported em
Evidence has shown that personal savings behaviors are at low levels for individuals within the United States, with the problem
This study evaluates individuals' abilities to avoid investment mistakes driven by behavioral biases
Financial literacy and financial education can be considered as new concept that is trying to find out way how to help people i
Many initiatives worldwide aim at improving financial literacy through targeted education programs, ye
This study analyzed the effects of financial capability on the financial stress of 429 individuals w
Can human-computer interaction help people make informed and effective decisions about their retire
Background: The feminisation of ageing and increasing number of widowed women in contemporary society has significant im
Financial literacy is the ability to understand how money works in a person's day-to-day life: how some
Using a phone survey conducted in 2012, we examined whether there is a gender difference in financial literacy among Hong K
Increasingly, individuals are in charge of their own financial security and are confronted with ever m
Foreign currency loans by unhedged borrowers are widespread in many regions of the world. Against t
When economists ask questions about basic financial principles, most ordinary people answer incorrectl
We investigate whether the well-known positive association between past stock returns and analysts' e
Money has been with us since time immemorial. It serves many functions, underwriting exchange and tran
In this study we report findings about financial literacy and financial planning behavior based on a
I examine financial literacy—specifically knowledge of risk—using data from surveys in the United State
Financial education is a key intervention strategy in improving consumers’ financial knowledge, but ex
The purpose of this study is to identify the levels of financial literacy, money attitude, self-esteem, financial capability and fina
Financial literacy is widely recognized as an important life skill that needs to be taught and practiced from an early age. This ha
Is financial literacy a substitute or complement for financial advice? We analyze the decision by consu
This study aimed at finding "Association of financial literacy with money management competence am
The paper investigates the financial literacy of the population aged 18 to 65 in Croatia on a represe
We present an intertemporal portfolio choice model where individuals invest in financial literacy, save
This study attempts to assess the financial literacy level of retail individual investors in the state
Financial literacy, as a concept by that name, has only been explored in library science literature for
Currently, everyone is brandishing financial literacy education as the answer to the global personal fi
India has been ranked 23rd out of 28 markets in Visa 2012 Global Financial literacy barometer. Financ
We use an original household survey to study the links between stockholding, financial literacy and acqu
This paper contrasts the prevailing individualistic approach of financial literacy measurement and f
The investment has a significant impact on the economic policies of the country To deal with the press
This study contributes to the capital markets literature by examining the association between novice nonprofessional investor
The low level of financial literacy across households suggests that they are at risk of making suboptim
Purpose - The issue of migrant financial literacy remains largely unresolved despite the increasing fo
This study examines the influence of financial literacy on individual saving in the context of an emerg
Financial literacy is a key element in financial decision making and well-being, which may affect all
The 2008 Jump$tart study, assessing the financial literacy of American high school seniors and colleg
This study was designed to explore financial literacy in low- to moderate-income households with reg
We investigate relationships between retirement self-efficacy, financial literacy and financial judg
The TUCE is a test of economic literacy which is used to allow lecturers of economics to compare stu
Purpose: The purpose of this paper is to provide insights onto the level of financial literacy in Brun
The lower level of financial literacy amongst females relative to males has been well documented in the
The working young in urban India exhibit inferior financial knowledge, inferior financial attitude, an
Interest in exploring the issues of personal finance, particularly money management has tremendously
The article investigates the importance of financial literacy content for social work students who at some point in their career
Despite the popularity of financial literacy programs intended to benefit low-income families, little
Academic libraries have been involved in financial literacy education, and this will likely increase
Freely accessible federal government websites provide children, parents, educators, young adults, adul
This study aims to investigate the economic literature level of students of education faculty's prim
Financial literacy helps individuals make more assertive and efficient decisions in the monetary conte
Although programs designed to increase financial literacy are widely promoted, there is little eviden
The rising cost of living and difficult economic conditions have made Malaysian individuals and househ
Colleges and universities employ a variety of strategies to deliver financial education to students.
Household investment mistakes are an important concern for researchers and policymakers alike. Portfolio underdiversificatio
The purpose of this study is to determine the effect of economic literacy and socio-economic condit
This study explores the role of advertising strategies (informational versus transformational) in con
Although many consumers turn to financial counseling to improve their financial well-being, the effec
Financial Literacy should be considered as one of basic intelegence in this modern civilization. As g
We use a dataset of individual investors containing test-based measures of financial literacy and admin
Financial Inclusion is an ongoing agenda in India. Several measures have been undertaken to include the
Pension reforms are on the political agenda of many countries. Such reforms imply an increasing responsibility on individuals'
This study examines how cognitive changes associated with aging impact the financial decision-making
We provide new empirical evidence on the importance of defined contribution pension wealth in England
This study found a similar result in samples of university students from England and New Zealand to
This paper reviews the role of parents in young people's financial socialization process. Despite robust evidence illustrating the
The goal of this study was to determine if the level of preservice teachers' economic literacy might
We taught a mere seven-period financial literacy curriculum to two 12th grade economics classes, where one treatment was F
The level of financial literacy is very low in the world. Many undertaken initiatives have not brought
The requirement to build economic resilience in people has become a concern for the UK Government, reg
Poor financial decision-making paradigms such as misuse of credit cards exist as ruinous forms of per
Financial illiteracy is a well-known, international problem. The current study investigates if learning basic fundamentals of cash
Each year the Association of American Veterinary Medical Colleges (AAVMC) conducts a survey after the
Microfinance institutions can enhance their contribution to financial inclusion promotion by expanding their suite of financial
Could traditional economics principles courses be underserving students by failing to recognise th
Using PISA 2012 data regarding financial literacy in thirteen countries members of the Organization f
Financial mathematics is a set of concepts and techniques of analysis, useful for comparison and economic evaluation of cost-
Australian rangeland pastoralism is now a marginal economic activity. To survive as an industry, it mu
This paper presents a systematic and comprehensive meta-analysis of the literature on financial education interventions that f
The study aims at assessing the gap in knowledge, perception and practice of managing personal financ
Many entrepreneurs in Latvia are limited in choice of tools for the improvement of their financial li
This paper studies how hyperbolic discounting affects stock market participation, asset allocation, and
Think a moment about your dream job. Do you know the beginning salary you are likely to make? Are yo
The article deals with the integration of interdisciplinary issues of financial and economic disciplin
Financial literacy and financial education have been in the public dialogue for two decades. The story takes many forms: woef
Achieving a state of being financially satisfied is a more feasible aim than becoming debt-free, which requires well strategized
Under modern conditions of increased demand for the level of financial literacy of the economic subje
Borrower misreporting is associated with seriously adverse loan outcomes. Significantly more residential mortgage borrowers
Russian economic reforms of the 1990s triggered off the massive economic transformation that went h
We compare the inflation expectations reported by consumers in a survey with their behavior in a financially incentivized inve
The purpose of this study was to gain consensus among researchers and college educators using the D
This paper contributes to research on defined contribution (DC) retirement plans by examining how f
Money is critical for financial and relational well-being, yet financial communication is often cons
This paper draws from the cognitive and neuroscience literature to develop theoretical support for
We present findings from a qualitative, multisite, multi-method, longitudinal study of parents and t
This research sought to further understanding of factors related to low-income household saving behavi
On the basis of theoretical framework of financial capability, this study investigates the roles of f
Using a mixed-methods methodological approach, the proposed study examines the associations between economic well-bein
In contexts of economic instability, investors show an increase in risk aversion and prefer high liqui
Numerous online communities and e-commerce sites provide users with crowd-based recommendations to
With a market capitalisation of over $1.84 trillion dollars and large annual flows, the Superannuation Guarantee has been rega
So far, research on the causes of over-indebtedness in Europe has predominantly focused on the charact
The authors administered a Japanese version of the Test of Understanding in College Economics, the f
Purpose – Adopting a view that migration is an investment, the purpose of this paper is to investigat
Adolescent girls and young women in urban slum areas in developing countries face a myriad of challe
Purpose - The purpose of this paper is to document the conceptual metaphors (Lakoff and Johnson, 200
The three-legged stool concept is widely used in gerontological and geriatric education as an explana
Case Description: This case can be used to illustrate problems that arise when homeowners get into financial difficulties and h
Case Description: This case can be used to illustrate problems that arise when homeowners get into financial difficulties and h
Over the past decade, the US Department of Defense has become increasingly concerned with how the fina
Purpose: Environmental, social and governance (ESG) risks have the potential to negatively impact f
Purpose: The purpose of this paper is to provide insights into the ancient susu savings operation in
Background: Descriptive accounts of instruction in German vocational schools consistently indicate w
Credit scores are the most widely used instruments to assess whether or not a person is a financial ri
Financial literacy has become a major area of research in recent years, both in the investment and retirement literature with r
Purpose - The purpose of this paper is to provide a case study of a service learning project focusing
Aim: Although the guaranteed superannuation system is believed by many to provide a safe and adequa
International capital markets seek to achieve investor confidence through corporate governance mechanisms. Transparency a
Purpose – The purpose of this paper is to explore the differences in KiwiSaver portfolio composition
We use UK survey data to analyze the puzzling co-existence of high cost revolving consumer credit al
Many investment companies have begun providing their defined-contribution pension participants with
Background: Survey research indicates that a surprising number of 12 to 14 year olds in North Americ
The purpose of this study was to examine associations between consumer financial capability and financ
Present study aims to assess the relationship between financial well-being and impulse buying behavio
Awareness of retirement confidence has been found to be low in many people, especially in women. Muc
Regulation of any market can either promote or impede its development, thus affecting social welfare
Purpose – The purpose of this paper is to analyze whether key investor information documents (KIDs)
We conduct randomized experiments around a large-scale financial literacy course in Mexico City to u
In this paper, we examine the impact of financial experience on financial literacy. Exploiting a uniq
Micro-entrepreneurs often lack the financial literacy required to make important financial decisions. We conducted a randomi
How important is it for journalism, media, public relations and communication studies students more g
In a large number of decisions, the option that does not require a specific action such as filling in
Mortgage equity withdrawals (MEW) are correlated with covariates consistent with a permanent income
The objectives of this paper are two-fold. First, it aims to bring attention to the learning and educ
The Volunteers of America Greater Los Angeles (VOALA) Girls Inc. program is implementing and rigorou
The Indian mutual fund industry is playing a significant role in the development of capital market and in the growth of the Indi
This paper comments on the conceptualisation of financial literacy by investigating how it is defined,
Studies of financial literacy show that many people are poorly prepared for making major financial dec
Remittances are a major source of external financing for many developing countries, but the cost of sending them remains hig
This article investigates the effects of different job categories on households' likelihood of experien
Mounting evidence demonstrates that retail investors make predictable, costly mistakes.1 They save too little, they trade too
This paper analyzes the over-indebtedness of microborrowers in Ghana from a customer protection per
South Africa is going through several education reforms in order to prepare more learners for challe
Recently, interest in exploring professional financial issues mainly money management was shown to b
We present experimental evidence of a link between economic literacy and inflation forecast accuracy
Stock market participation is considered as an indicator of consumer financial well-being. This study
Financial literacy is of utmost importance for individuals and investors to understand and master fina
This study looks into the financial literacy between Korean and U.S. high school students. The mean sc
This study utilizes the 1997 National Longitudinal Survey of Youth to examine the relationship between financial literacy, cons
Understanding financial literacy among young people is essential for developing effective financial edu
Financial literacy helps build economic empowerment and self-sufficiency among economically vulnerabl
Various studies deal with the assessment of financial literacy. However, it is not always obvious whet
The purpose of this study was to evaluate the quality (item difficulty and discriminability, constru
Financial literacy has caught the attention of policy makers around the world. A major research progra
The level of citizens' financial knowledge has a great impact on financial well-being of individuals a
Financial literacy in the present Indian policy context is seen as an instrument to raise demand for banking services. The locati
This study assessed financial literacy and its correlates among Turkish college students, with special emphasis on the role of fo
The National Standards for Financial Literacy describe the knowledge, understanding, and skills that
The article focuses on the importance of financial literacy to management of personal finances in a yo
Financial literacy refers to the ability to access and utilize financial information in ways that prom

Financial literacy education (FLE) has become a global priority. In Australia, FLE has been added to
As consumer requirements for financial services permeate society, they link various financial instit
Prerequisite knowledge of fi rst grade Bachelor students (N = 48) on processes of private consumpti
This study analyzes consumer rationality/irrationality and financial literacy in the credit card marke
This paper analyzes how financial literacy and reported willingness to take financial risk impact a household’s choice of mortga
In the midst of growing worldwide concern over financial consumer protection, OECD member countries ha
Policy makers have embraced financial education as a necessary antidote to the increasing complexity o
Purpose: The purpose of this paper is to investigate the relationship between commercial bank lending
Financial regulators are weighing up the effectiveness of different templates for communicating inve
The recent financial crisis caused a shock to private wealth. Households with low financial literacy a
This article probes into the distinct forces that influence the demand for financial services/products
Economics literacy has received growing attention in the academic literature and even more in the context of the present eco
In this paper, we are interested in designing a novel approach to financial learning and saving for t
Using a special-purpose module implemented in the Health and Retirement Study, we evaluate financial s
Using the Bank of Italy's Survey of Households Income and Wealth (SHIW) covering a 5-year panel, we measure the impact of
This study uses data from the 2009 and 2012 waves of the National Financial Capability Study to examine the effects of neighb
This paper undertakes an assessment of a rapidly growing body of economic research on financial literacy. We start with an ov
This paper presents the case for why engineering economics should be a commonly accepted general education course. Curre
This study examined the association of earlier financial literacy and later financial behaviour of c
The paper makes four contributions. First, the paper provides new data and findings about credit card
Using data collected by the National Financial Capability Study, a survey recently commissioned by t
This paper presents an analysis of the role of pricing conditions with respect to other consumer choice
The importance of electronic education has been increasing, steadily developing and constantly changin
A person's financial literacy as well as their values, attitudes and beliefs all impact their financi
Despite growing attention to public opinion about economic inequality, there has been little research on how this topic should
We examined the construct of financial wellness and its relationship to personal wellbeing, with a foc
The last two decades have seen significant growth and change in the character of the interactions betw
The Chilean economic model has increased the risk of financial transactions in a population with low
We examine individual choices between a defined contribution (DC) and a defined benefit (DB) retireme
In developed countries, economic and financial well-being is playing a crucial positive role in ageing
The Consumer Financial Protection Bureau helps consumer finance markets work by making rules more effective, by consisten
During the last decade there has been rapid development in the financial services field and simultane
In the context of massive changes happening globally in the financial market, nowadays, the issue of
There has long been a concern among policymakers that too much of remittances are consumed and too
In the process of their everyday activity, members of households create various special purpose funds
This paper examines the effect of audit committee appointments on shareholder wealth in Korea after the Asian financial crisi
This Presidential address draws on the Global Financial Development Report (2014a) and focuses on financ
This conceptual paper discusses the definitions of financial education, financial literacy, financial
Evidence suggests that many couples attending marital therapy report that financial concerns have a significant impact on the
The audit committee plays an oversight role in overseeing financial reporting. It is not uncommon to
There were 1329 students from 22 schools participated in the JA BizTown program and 90 students from two schools were in
This experimental study investigates the impact of affective attitudes on risk and return estimates of s
This article describes the community organizing role of an Extension educator and a research faculty
Baby boomers are now retiring in large numbers, and most do not have enough assets of their own to fi
The complexity of financial matters and the financial illiteracy of clients prevents informed financi
We explore dynamics of limited attention in the $35 billion market for checking overdrafts, using sur
This study aims to construct a model of propensity toward indebtedness using behavioral factors from
This study investigates metaphors used in the marketplace when providing microcredit to micro and s
Objective: Our purpose was to describe the financial knowledge, habits and attitudes of chiropracti
Recent economic troubles in the US and abroad highlight the importance of family financial capabilit
We report results from a field experiment in which a randomized subset of newly hired workers at a large financial institution
Particularly since the financial crisis, it is widely recognized the importance of consumers= financial decisions around the world
Financial planning for retirement is a lifelong process constrained by financial literacy, resources,
The purpose of this article is to structure the extant knowledge on the determinants of microinsuran
Increasing evidence from observational studies indicates that students attending minority segregated
Homeownership is a problem among younger working households (YWH). This is a more serious proble
In recent years, the increasing number of career women has become a new phenomenon in Indonesia. Wom
The global financial crisis of 2007-2009 generated a renewed interest in including personal finance i
The purpose of this article is to assess and interpret the use of theory within the Journal of Financi
This paper investigates factors that influence trust and advice taking among retail investors when co
Asset accumulation is especially challenging for low- and moderate-income households, which often f
This research investigates Minimal Economic Knowledge (MEK) of consumers in Germany-that is, basic
Purpose – The purpose of this study is to assess the moderating and mediating roles of credit card u
Microinsurance (MI), an important economic roleplayer, is investigated in and placed in perspective t
While financial knowledge has been linked to improved financial behaviour, there is little consensus
The implement of the programme "1 to 1" (2010-2012) meant the rise of the technological resources in
Background: Childhood malnutrition is a major consequence of poverty worldwide. Microcredit programmes-which offer smal
Methods: A cross sectional questionnaire based survey was conducted on medical students from 3 publ
Pre-service teachers' knowledge in the field of finances is crucial as it is a prerequisite to the develo
The long-term impact of a Latino financial literacy program was evaluated with a sample of relatively recent immigrant popula
The authors provide a scholarly definition for metaphor-rich, story-driven 'narrative visualization'.
As complex structure of financial products severely limits consumers' understanding and causes an i
The crisis has had a very strong cost for citizens who do not understand their origins or solutions by
Using an institutionalist reading of the capability approach, I advocate policies for enhancing financ
Background Disadvantaged older adults living in non-family situations in Toronto are more likely than o
Credit Unions, with a hundred year history, and Community Development Credit Unions (CDCUs), with a
This study analysed differences in financial literacy across four countries: Canada, Italy, the UK and
This article presents the findings related to teaching beliefs and pedagogical practices of a study th
The study sought to investigate a possible relationship between SMME owners' financial literacy and
Many policymakers and economists argue that financial literacy is key to financial well-being. But why
We provide an empirical investigation of leadership characteristics and social justice issues in the c
Use of the internet may provide tools and resources for better decision making, yet little is known a
The ability of consumers to make informed financial decisions improves their ability to develop sound
This report describes several linked empirical studies that examine the activities of public libraries in increasing the financial lit
We study the determinants of the demand for annuities using survey data from Italy. Eliciting potenti
We quantify the welfare gains from better retirement planning using a model in which retirement plan
The U.S. economy, while recovering, is still feeling lingering effects of the 2008 financial crisis and
Financial education is viewed by both policy makers and the public as an increasingly important tool
The research reported here assessed the financial literacy of older adults living in rural communities, current use of and attitud
The purpose of this article is to investigate municipal board members' financial and technical compe
Rapid population aging driven by low fertility and increasing longevity requires further adjustments o
Financial services markets require consumers to be more financially literate if they are to manage the
One of the key challenges of the financial literacy agenda involves resource allocation decisions. Given
Credit card companies charge an interchange fee for each transaction, and almost half of this fee is
Abstract What is the role of the economics discipline in teaching and studying international develo
We look at the effect of having students read and respond to articles regarding economic events on
Fluid intelligence decreases with age, yet evidence about age declines in decision-making quality is m
The 2010 Affordable Care Act changed health insurance plans for both the insured and uninsured. Cur
Target date funds provide a simple, automated approach to retirement savings in defined contribution
Analyzing financial information for Hull House, an iconic not-for-profit organization, students are as
Objectives. We tested the efficacy of a 6-session, evidence-based health promotion intervention aimed at reducing noncomm
The present study attempts to evaluate the behavioural outcomes of financial education workshops on
Literacy is an important determinant of health and well-being across the life span but is critical in
This study uses a new nationally representative dataset (National Financial Capability Study. 2009) to examine the association
This article focuses on the financial education of children. Education is a key factor in achieving economic development and so
PurposeThe purpose of this paper is to examine whether the theory of planned behavior (TPB) can be us
We present an intertemporal consumption model of investment in financial literacy. Consumers benefit f
This study explored the teaching and learning in an adult financial literacy education program aimed
Financing pensions in the EU is a challenge. Many EU countries introduced private pension schemes t
We present the results of an empirical study of elementary school classrooms and show how these res
Unprecedented levels of US subprime mortgage defaults precipitated a severe global financial crisis
The objective of this book is to create a degree of financial literacy among marketing managers and other managers in marketi
The article is devoted to disclosure of theoretical positions of economics devoted to the study of pers
We use survey data from a sample of UK households to analyse the relationship between financial liter
Concern about financial literacy is rising. But national surveys of financial literacy are not very he
The financial literacy of social work students has become the focus of curriculum development and research, but no study to d
In this study, the authors report on the revision of the Test of Economic Literacy for the fourth edi
In this study, responses of 574 students from two colleges in Israel were used to examine three issues: (a) financial literacy (FL
Highlighting the policy background and programme innovations of the HKD 300 million Child Developme
The residential sector accounts for one-fifth of global energy consumption, resulting from the requ
Chileans have limited knowledge of the pension system, its rules, and the consequences involved in the
Despite the proliferation of academic studies examining financial literacy and financial outcomes, no consistent definition or e
Recent research suggests that regions can be characterized according to their (more or less) financia
Identifying the determinants of entrepreneurship is an important research and policy goal, especial
This article seeks to identify the key factors influencing consumer choice of retirement investment
What does the general public know about banking supervision? What objectives does the public think b
A modified version of the Federal Deposit Insurance Corporation's Money Smart financial training prog
Diversified business activities require timely and intelligent decisions with specific information. Toda
In the current economic conditions it is impossible to consider anything as permanent and predictable.
Purpose: The purpose of this paper is to investigate consumer characteristics that influence Swedish
We experimentally study the effect of financial education on investment attitudes in a large sample of
Financial development is commonly identified as an important condition for fostering investment and economic growth. It is a
Financial misreporting and accounting misstatements figure prominently in recent corporate scandals. A
Purpose: In Italy three quarters of the stock of households' mortgage debt is exposed to interest ra
This paper investigates the determinants of life insurance demand among life insurance policyholders
Substantial proportions of married women in India report experiencing physical and sexual violence within their households. M
This study examines the influence of financial literacy on individual saving in the context of an emerg
Purpose – This paper aims to investigate the relationships between advisor characteristics and consum
Dollar Works 2 is a comprehensive personal financial education program to help individuals and families strengthen their skills
The population of the United States is aging, putting unsustainable strains on Social Security, Medi
The exploratory study reported here examined needs and challenges faced by "financial caregivers" for aging parents. Focus g
Recent research finds that poorer individuals make financial mistakes when the decisions are difficul
The market for mobile financial services in India is growing steadily. With 41 percent of India's adults financially excluded, how
This study analyzes the data collected through the Financial Literacy project conducted in the fall semester of 2010 at a land g
The United Nations' Millennium Development Goals seek to address poverty among other things. It is assumed that addressin
This article sets out to examine the attitudes towards debt, bankruptcy and the bankruptcy process of
Recent debate about income inequality has occurred with good reason, as changes in income inequality a
This study uses data from the Health and Retirement Study (HRS) to analyze the psychological and social variables associated w
This article describes a tool developed by educators of the University of Minnesota Extension and University of Wisconsin Coo
This chapter is a social scientific and psychological analysis of recent bankruptcy policy reforms.
Personal financial literacy is becoming increasingly important in the modern world, especially for young people. In this article,
The purpose of this paper is to outline key constructs including financial literacy, economic self-e
Financial literacy education as policy has gained international political momentum in the years follow
In this article, we review the literature on financial literacy, financial education, and consumer fin
Financial literacy may not be as effective as previously thought in protecting against fraud victimis
Entrepreneurial capacity of the economy is determined by the abilities and motivation of individuals t
Governments around the world agree that financial literacy education (FLE) is of the utmost importan
Empirical studies of the link between finance and inequality document that across countries financia
The purpose of this study is to examine the factors affecting the financial well-being among public a
ACRL President Trevor A. Dawes' note: This month, I invited Adi Redzic to write this column to highlight the student's perspecti
This pilot study examined an innovative rubric designed to overcome the deficiencies of present env
This article describes a simulation game called "Do not fear business", which aims to increase the financial literacy of students
This book assesses the financial literacy of retail investors in the United States. Literacy involves the “ability and confidence to
Household finance-the normative and positive study of how households use financial markets to achiev
Women's economic and financial opportunities are becoming increasingly relevant at both national and international level. Th
The crisis has had a very strong cost for citizens who do not understand their origins or solutions by
The major financial scandals of the past decade, which have been discussed exhaustively in corporate offices by corporate atto
Grounded in social construction theory, the current study investigates the learning context when stud
With the aging of millions of baby boomers, retirement planning is rapidly increasing in importance. This study explores differe
The fundamental components of the research process are defined by academic tradition, discipline and its participants. Traditi
This study examines how information communications technologies (ICTs) can be implemented effectively to provide financial
Satisfaction with one's financial status can enhance personal satisfaction and more broadly, life satis
This article examines national (US) educational financial literacy standards through the lens of sustainability and intergeneratio
In the wake of the 2008 global economic crisis, financial literacy education received increased political attention worldwide as
Financial literacy education is often assumed to be a form of technical and/or hermeneutic training that assists citizens as well
We examine financial literacy among Italian college students using Rasch analysis. Our findings suppo
Financial literacy is the ability of the individual to make appropriate financial decisions personally
Every year, two thirds of college seniors (about 1.8 million) in the US graduate with significant deb
This paper empirically investigates the relevance of social interaction and caste affiliation for indiv
This paper examines the relationship between the characteristics of boards of directors and the financ
Financial literacy and financial education play a central role in asset accumulation, shaping indivi
This article addresses how family remittances have an effect on household finances, particularly as de
This qualitative study explores financial behavior and expectations in families of origin in addition
This article presents the results of a comparison of male and female advisors assessment of their cus
As in all developed and developing countries, the current financial constraints have had an impact on Estonian students' finan
This article presents an overview of the mutual fund industry in India and the reasons for its poor pe
Financial education can be defined as "the process by which financial consumers/investors improve th
A variety of educational programmes for home-buyers and tenants exists in Western countries such as
The tendency to underestimate the future value of a variable growing at a constant rate, an example
This study examines literacies practiced in bilingual households located in emerging communities alon
Previous research has found that higher educational attainment is consistently associated with more
Background: Health and financial literacy have been linked to the health and well-being of older adul
This paper summarizes and highlights different methodological approaches to behavioural economics in
Workers nearing retirement face many important, and often irreversible, choices. We collected detailed demographic and fina
This article analyzes the manifold situations in which the efficient-market hypothesis (EMH) has infl
Our research attempts to measure the effects of financial literacy of Turkish financial consumers on
This research investigates the relation between financial literacy and the cost of borrowing via cred
Poor understanding of financial products and an inability to process financial information prevent millions of rural households
Despite increasing interest in and funding for financial literacy and financial education programs in the private and public secto
The growth of products available in the consumer financial market has provided more choice and forma
Examples of financial mistakes made by consumers lend support to the view that systematic mistakes o
The broad objectives of liberal education include the instilling of a sense of responsible citizenship
A nationwide online survey of financial educators in adult community-based financial education progra
The Survey of Consumer Finances (SCF) contains detailed US household balance sheet information and is
The authors suggest that the process of shopping for a home and choosing between alternative propert
The approach described in the present article intends to create a conceptual design for German refer
The purpose of this study was to test the relationships between financial socialization agents, finan
This article highlights the prevalence and economic outcomes of financial illiteracy among American households, and reviews
Issues addressed: Growth in the high-cost, unregulated fringe lender market (with these lenders commo
The article uses conceptual correlations between information literacy and financial literacy as a basis
The authors use data from a finance-related theme park to explore how financial education changes inv
The older population displays a low level of financial literacy, which is putting them at risk of making poor financial decisions. B
The challenges associated with financial illiteracy are increasingly becoming a topical issue. Consequently, there is a growing b
Unfunded liabilities of pension plans sponsored by state and local governments have drastically increa
Global AIDS programs such as the US President's Emergency Plan for AIDS Relief (PEPFAR) face a chall
Background: Recent research has begun to recognize the important influence of literacy levels and how
Introduction: Young people in southern and eastern Africa remain disproportionately vulnerable to HI
In this paper, we introduce the Socio-Economic Empowerment Assessment (SEEA), a qualitative assessm
This paper examines the relationship between self-control, financial literacy and over-indebtedness o
The aim of the research presented in this paper is to investigate the perceived investment risk of la
This paper explores the importance of financial education for social workers who are often working wit
Relying on comprehensive measures of financial knowledge, we provide evidence of a strong positive association between fin
This is a case study at Mississippi State University where a business librarian taught a one-credit fin
In a typical economics principles course, students encounter a large number of concepts. In a literac
We examined how a short-term nutrition intervention influenced nutrition attitudes in a low-income,
International comparisons of economic understanding generally require a translation of a standardized
Using newly collected data from the RAND American Life Panel, we examine potential explanations for the gender gap in finan
We study the financial competence of Australian retirement savers using self-assessed and quantified measures. Responses to
Intimate partner violence (IPV) often includes economic abuse as one tactic commonly used by an abus
We observed the relationship between cognitive abilities and financial literacy in a preliminary correla
This article concerns the use of rhetoric strategies in call for improved financial literacy and financ
The aims of this study were to examine the effects of demographic characteristics (gender, marital s
Financial markets grow more and more important for society and its members. People, including school students, should mee
The purpose of this paper is to analyze what factors are driving the retirement savings of the Europea
Consumer financial literacy education often appears as a helpful, commonsense solution to neoliberalism and the individualiza
This study explores consumers' ability to accurately estimate the value of a life annuity product. Us
Plan knowledge and trust in financial institutions-two variables missing from standard neoclassical or
We exploit the natural experiment of the 2005 income tax reform in Germany to study the effects of t
There is continuing concern that many people are not saving enough for retirement. The authors conduct
Research has yet to examine the relationship between financial well-being and community reintegration of veterans. To addre
Purpose: The purpose of this paper is to investigate the determinants of financing preference of micro
In this paper we present a case study of an interdisciplinary global service-learning program. This program provides students t
The paper follows a grant project at the University of Hradec Králové - Applications for support of fi
The current issue of financial literacy is addressed at the international level and the trend suggest
The marketing of debt consolidation loans is intended to offer a financial remedy to consumers fac
Recent financial liberalization in emerging economies has led to the rapid introduction of new financ
Financial literacy research of the past 40 years (1970-2010) has largely ignored the reasons for sociod
With governments around the world taking a renewed interest in effective consumer financial protection
The authors extend the literature on the efficacy of high school economics instruction in two direct
Recent patterns of labor exit in late life in the United States are increasingly heterogeneous. This heterogeneity stems from div
Financial development is critical for growth, but its microdeterminants are not well understood. We test leading theories of lo
This project compared the learning gains from teaching financial literacy skills to undergraduate stu
This study analyzes consumers' knowledge of their own credit situation and tests whether a lack of kn
This article reports on four studies into the use and comprehension of mortgage information. The fi
This paper describes a pilot study testing the feasibility of an innovative savings-led microfinance
This research provides an initial investigation of whether US retirement mutual fund providers compl
Topic: Although money management skills are essential for independent functioning in the community,
Purpose - The purpose of this paper is to explore the interaction between the economic and political
Dolceta (Development of online consumer education tool for adults) is an ongoing project involving 2
This paper documents women on average pay more for mortgages than men. The disparity cannot be full
Nonprofit organizations are one of the primary channels through which financial literacy services are
This chapter investigates how financial literacy and information overload influence the decision to p
The recent financial crisis has brought renewed attention to household financial decision-making and
A growing literature shows how consumers make mistakes in a variety of different settings pertinent
In New Zealand, the connection between financial literacy and security in retirement is well accepted
As the world becomes more financially integrated and complex, average individuals and their families a
Financially unsophisticated consumers who consistently make suboptimal financial decisions may suffe
Based on a survey of nearly 900 401(k) participants, we find that borrowing in 401(k) plans is relate
This chapter examines workers' plans to take lump sum distributions versus life annuities from emplo
Relatively little is known about why people fail to plan for retirement and whether planning and info
This chapter presents a World Bank led work program that is financed under a trust fund by the Russia
As financial markets become increasingly complex and integrated, individuals and their families are
We examine financial literacy in the US using the new National Financial Capability Study, wherein we
We use data from the Swedish Financial Supervisory 2010 consumer survey to look at levels of financial
The OECD International Network on Financial Education has addressed the demand for an internationally
The level of financial literacy is not high in Japan. Although a majority of respondents were able to
We examine the relationship between financial literacy and retirement planning in Russia, a country wi
In an increasingly risky and globalized marketplace, people must be able to make well-informed financi
Recent pension reforms in Italy require individuals to decide whether to participate in pension funds,
We compare levels of financial literacy between the general adult population of New Zealand, people o
We examine financial literacy in Germany using data from the SAVE survey. We find that knowledge of b
Until recently little was known about the effects of predatory lending on military personnel, but a be
The aim of this study is the association between economics variables and well-being in public employ
India will need to develop a robust annuity market if it is to enable its rapidly aging population to
A groundswell of interest in young people's ability to understand and handle financial decisions has
Financial literacy has become a prominent item on the public agenda worldwide, with its relevance ver
We have devised two special modules for De Nederlandsche Bank (DNB) Household Survey to measure fina
The complexity of financial decisions that households now face has increased to unprecedented level
Financial education is an important life skill and successful implementation of financial literacy (FL
This study analyzes the relationship of savings behavior and financial problems to financial literacy
The aim of this article is to extend our understanding of the relationship between knowledge of per
The authors report the status of personal financial education in light of the recent economic crisis
This paper suggests that most individuals who have yet ensued personal financial planning were held bac
Students lose interest in learning programming when the materials are not related to their lives. A c
The financial situation of undergraduate students remains a high-profile issue within the UK higher
The recent widespread adoption of online competitions in economic education provides a unique oppo
We introduce a survey-based measure of uncertainty about future inflation, asking consumers for density forecasts across infl
The authors examined the Council for Economic Education's Training of Trainers program's effectivene
Today's multifaceted and dynamic financial environment requires a high level of individual financial literacy to ensure that sou
INDERST 2011 sets out the most important reasons for deficient decisions by retail customers in financial services markets, viz
The So, You Want To Move Out?! program was developed to help teens explore the financial realities of moving away from ho
In the last decade, the increased complexity of, and levels of access to, financial products and servi
We present new evidence on financial literacy and retirement preparation in the Netherlands based on
A recent Charles Schwab study uncovered that most parents felt more equipped to provide their teenag
This study examines the impact of financial literacy, accounting information, openness to experienc
Materialism Has Often Been blamed for consumers' overspending and excessive debt levels, but there i
Using online survey responses from 509 undergraduate students, three financial education methods (on
Most teacher education programs do not incorporate financial education preparations into courses required for early childhoo
This research was part of a larger longitudinal study of chronically ill rural women to determine if
In this paper, we report on work with eight practicing ninth grade social studies teachers to determ
To address the persistent problems of poverty and underrepresentation of minority and first generation college-bound studen
This study examines the financial literacy of students in several schools of a metropolitan university. Comparisons are made in
This paper examines levels of financial literacy across students in the US, Belarus, and Japan. A cross country comparative ana
We design and administer a financial literacy test tailored to a specific defined contribution plan
In this article, the successful integration of a university service-learning class into a community co
The aim of this research is to understand children's monetary decision making. Using a qualitative a
The need for individuals to increase retirement savings has been widely promoted, yet our understandi
This article considers some of the implications for vocational education and training (VET) that flow
This article uses international panel data on 55 countries from 1995 to 2008, merging indicators of economic literacy with a la
The purpose of this paper is to analyze what factors are driving the retirement savings of European ind
The relevance of financial literacy to social work has been framed almost exclusively in the context
Lucy Reuben's Response to "The Subprime Crisis and African Americans" by Sandra Phillips includes
This article tests a conceptual model of perceived parental influence on the financial literacy of you
As older workers approach the end of their working careers, they must make important decisions that
The authors describe the present state of economic education in Japan. There is a larger number of u
Retirement risk management must be dramatically overhauled if workers and retirees are to better pre
In light of workers' lack of financial literacy and the complexity of managing retirement income, reti
This article argues that financial literacy varies across socioeconomic groups and their neighborhood
The German pension reforms in 2001 and 2004 increased the importance of private supplemental saving
Purpose: The purpose of this paper is to report on a survey about the personal financial planning att
Purpose – The purpose of this paper is to investigate the reality of financial and management accou
Financial literacy (or financial knowledge) is typically an input to model the need for financial education and explain variation i
The articles in this special issue of The Journal of Consumer Affairs focus on financial literacy. The scope of the content spans c
The article provides an environmental scan of financial literacy activities and information resources. The complex interminglin
The acknowledged widespread lack of financial literacy casts serious doubts on the ability of individuals to make financial deci
The article provides an environmental scan of financial literacy activities and information resources. The complex interminglin
We examined financial literacy among the young using the most recent wave of the 1997 National Longitudinal Survey of Yout
The purpose of this study was to investigate the impact of personal and family background, academic ab
This study explicates the concept of financial literacy, which has blossomed in use this century. Scholars, policy officials, financ
The current economic environment has brought to light the financial literacy epidemic in this countr
When financial decisions have consequences beyond the immediate future, individuals' economic success may depend on the
The purpose of this study was to describe financial literacy in two-generation Hmong immigrant famili
Research indicates that the financial literacy of U.S. teens is low, yet they have access to and spe
This study contributes empirical evidence about who is most vulnerable to low knowledge of long-ter
John Hope Bryant explains how financial literacy can help ordinary people manage their funds effectively. Consumers then tur
We use a survey of individual investors disclosed by the Portuguese Securities Commission (CMVM) in Ma
This paper is an effort to establish the financial sector in developing countries to promote financial
This paper conceptualises the marked downturn in UK house prices in the 2007 2009 period in relatio
Surveys in OECD countries show that people believe they know more about financial concepts than they actually do, and that
We evaluate why individuals invest in high-fee index funds. In our experiments, subjects each allocate $10,000 across four S&P
The purpose of this study is to investigate the rise in credit card ownership rates among high school
Purpose – The purpose of this paper is to assess the level of financial literacy and impact on youth
Many community initiatives focus on workforce participation. Research indicates that affordable child
Systemic risks and other factors that contributed to the global financial crisis have highlighted the need to reconsider the scop
This paper reports on a study that employed a theory-based approach in the form of a learning study t
Today's increasingly complex financial services market offers consumers a vast array of products, services, and providers to ch
A needs assessment was conducted for the adaptation of an existing online Cooperative Extension inv
This article synthesizes and presents literature in support of the argument that the preparation and p
Interest-rate ceilings are often proposed as a protection for lower-income consumers in the credit mar
New Labour has defined the problem of security in retirement as one of undersaving and has sought to
Many technically-based professionals such as engineers and other technical managers would often fee
The question whether multi-year, intensive financial literacy programs aimed at helping those with low incomes and few asset
Changes are occurring in the provision of consumer credit, including the expansion of subprime and som
The financial cost of mobile communication plays a central role in emerging literacy practices associated with mobile technolo
Social workers interact with families and communities that financially struggle and have credit challeng
This study is an assessment of economic knowledge among students who receive formal economic instruction in their senior y
Purpose – The purpose of this paper is to assess the financial literacy of the UAE individual investors
The literature on school commercialism, despite a number of successes in battling advertising and mark
Purpose – The purpose of this paper is to establish the profile of mortgage-holding households in t
The purpose of this article is to describe the lessons that both occupational social workers and those in other settings could lea
As a result of the reform process undertaken in the 1990s, the Italian pension system has replaced a
Female college students are generally thought to possess lower levels of financial market knowledge
A user-friendly presentation of the essential concepts and tools for calculating real costs and profits in personal finance Under
There is relatively little work that attempts to link up work on financialization with the body of re
This chapter analyses the role of proximity between investors and corporations with equity traded on
The aims of this paper are to first seek an understanding of consumer decision-making when purchasin
Purpose: The purpose of this paper is to investigate whether there is any difference in the characte
This article examines New Labour's policies of asset-based welfare in the broader context of financial
Purpose - The purpose of this paper is to explore the role of computer based business simulations in
Current economic literacy tests focus on theory while almost totally ignoring the economy itself. Thi
Perceptions and forecasts of inflation have the potential to impact on a range of economic outcomes. We reveal large, system
In the midst of the worst economic crisis since the Great Depression, there exists a deficit of compelling financial education cu
Tiny loans can make a huge difference, especially when coupled with financial literacy and capacity building. With a global com
We study the portfolio allocation decisions of Australian households using the relatively new Househo
In this paper, we have confirmed earlier evidence that richer, educated households of larger size are less prone to making fina
The quality of consumers financial decisions has been a focus of growing concern for marketing prac
Financial literacy in the general Australian population and how to improve it is now firmly on the nati
Twenty-nine scholars from public and private universities, non-profit organizations, and the federal
This study examined the differential impact on 79 high school students of a personal financial manag
The human resources world is buzzing about literacy--specifically, financial literacy and health literacy. Yet if employers truly w
Minsky’s theoretical framework is a good point of reference to understand the current financial crisis. He provided a detailed e
An on-line survey of K-12 teachers was conducted to determine teachers' background and capacity to t
In the current financial crisis, children and youth are uniquely impacted by household finance compl
Objectives. To create, implement, and assess an elective course on the principles and applications of
“Expanding Teaching and Learning Horizons in Economic Education” offers 17 richly unique and interesting essays covering ma
New forms of accounting and new forms of accountability have emerged out of the set of reforms that are often referred to a
This paper reports on the use of neural networks (NNs) and support vector machines (SVMs) to model financial literacy of you
This study adds to our understanding of financial literacy by examining a methodology issue in how researchers measure finan
Five, large-scale, biennial national surveys of high school seniors from 1997 to 2006 have been used to measure the financial l
The evidence regarding the impact of the high school economics class on a student's success in the college principles class is m
This chapter provides an overview of the wide range of financial education programs aimed at improving Americans' financial
In recent years, policy initiatives at the federal, state and local levels have fostered innovative
Financial literacy modelling is a very complicated process, which influenced by many factors such as demographics, languages
Purpose - The purpose of this paper is to explore the possible implications for graduate employabili
The dominant model of regulation in the United States for consumer credit, insurance, and investment products is disclosure a
This article aims to develop an understanding of the scope of financial literacy education by addressing the question whether
Demographic changes, tight public budgets, and reduced generosity of occupational pension plans shift
HIV and AIDS prevention efforts have relied heavily on providing information, and have sometimes provided a weak link to ser
AIDS Policy; Bruce, J., Joyce, A., (2005), Population Council, New York; Chong, E., Hallman, K., Brad
This article analyzes a demonstration program mounted by a major bank to understand whether access to information and co
Communities of Practice (CoPs) are networks of professionals with a common interest in a subject or problem who collaborate
This paper explores the saving behavior of the group of low-income households that have participated
Least squares and binary logit models are used to predict knowledge and perceptions of superannuat
This article reports on an exploratory descriptive study that examined ten social workers' percepti
The UK Child Trust Fund (CTF), which came into effect in January 2005, appears to be an exemplary instance of 'asset-based w
Placing a monetary value on education is a complex task. A more difficult task is to determine at wh
This article discusses the history of the Employee Retirement Income Security Act (ERISA). The implem
This paper provides an assessment of the competence and independence of members of the supervisory
This paper considers the question of whether inaccurate self-assessment of credit is associated with
Many studies of consumer debtors have identified risk factors associated with chronic consumer debt.
This paper presents the development of the Test of Economic Literacy for Adults, version of 25 items
Recently, researchers have gone a step further from just documenting biases of individual investors.
This study discerns several deficiencies in the budget process in Angola. The government's budget pro
Although there have never been prescribed curriculum directives for enterprise education in Scotland, the Scottish governmen
This paper analyses the 'democratization of finance' or the promise that all households can make mone
Youth in the United States are facing an increasingly complex and perilous financial world. Economical
As the leading edge of the "Baby Boom" generation in the United States reaches sixty years of age, m
Economic education programs that are intended to improve financial literacy have gained significant
Lower-wage workers have always faced challenges in saving for their retirement years. As U.S. businesses increasingly adopt d
Managing personal finances is a crucial but difficult issue. Many writers are concerned about whether or not Americans are pr
This study investigates the impact of personal finance education delivered in high school and colle
Financial regulators in many states recently have obtained statutory mandates to enhance consumer financial literacy. This pa
This article presents a new way of looking at and measuring financial literacy. Financial education work to date has focused on
This paper reports on the use of Neural Networks as a classification modelling tool for financial literacy. The financial literacy m
We develop a classification to score the potential of corporate audit committees to be financially l
Economists are beginning to investigate the causes and consequences of financial illiteracy to better
Over the last several years, the issue of financial literacy and financial education has risen on the agenda of educators, commu
We compare wealth holdings across two cohorts of the Health and Retirement Study: the early Baby Boo
Most military installations have the resources available to operate as an independent community. How
Financial statements and information drawn from them confront us daily: in the media, in corporate an
This paper pretends to review critical aspects and challenges that is necessary to consider to show a
Students learning to solve engineering economics problems a century ago were instructed in the use of
This study gives an overview of the intermediation of worker remittance flows from the United States to Guatemala. In contra
While Canada is not considered to be economically disadvantaged, certain peoples within Canada are.
Does taking a college level course in the principles of economics improve economic literacy? While there is debate on whethe
The authors examine concurrent enrollment programs (CEP) as an effective means of teaching college
There is an important benefit for businesspeople who are financially literate. Financial literacy helps
The issue of credit-card debt among college students has received increasing attention. This study explored factors hypothesiz
This paper analysis the results of a survey on qualitative and quantitative perceptions and expecta
In August 2005, the National Endowment for Financial Education® (NEFE®) hosted a groundbreaking even
This paper refers to pre-college economic education. More specifically, the subjects discussed inclu
Purpose - This paper aims to give a short overview on bank/customer relationship experience in the La
Efforts to increase after-school programming indicate the nation's concern about how youth are engaged during out-of-schoo
A major public policy problem is the extremely low labor force participation of people with severe mental illness coupled with
Public education is the key to individual and business prosperity. With a vested stake in education, educators, employers, pare
Asset-building strategies have been touted as a new approach to helping low-income families achieve economic independenc
The 1992 Earth Summit highlighted the critical role of consumption in affluent nations as a source of
When it comes to financial literacy, many newspaper managers admit that understanding numbers is not their forte. Developi
We investigate whether the characteristics of chief financial officers (CFOs) are associated with accounting errors (using accou
This paper reports on an evaluation of a financial education-training program for residents of New York who had filed for bank
Research into children's understanding of economic exchanges has been conducted within two major purviews. Psychologists
Financial education represents an area of popular interest owing largely to the JumpStart surveys of f
Managing the assets of older people is a common and potentially complex task of informal care with le
The "Money Talks: Should I be Listening?" curriculum was created to appeal to teenagers and to help i
Instructors typically design the first course in economics to provide students a foundation on which to base further study and,
This book, the first major study of financial education at the international level, contributes to the development of consumer fi
This study evaluates a two-day train the trainer program designed to provide instructors from diverse
In August 2005, the National Endowment for Financial Education® (NEFE®) hosted a groundbreaking even
The need for financial education among Americans is often demonstrated with alarming rates of bankruptcy, high consumer d
The present study examines the linkage between workplace financial education and workplace satisfaction. Data gathered fro
Rent-to-own enterprises represent a lucrative and rapidly growing industry. They are of particular co
The lack of understanding of pensions amongst a large proportion of the UK adult population, combin
Because of the shift in the United States over the past two decades from defined benefit pension plans to defined contribution
The need for the development of financial literacy among engineering students is discussed. Financial literacy and tax awarene
Most engineering curricula devote little time to the development of financial literacy among engineering students. Many civil
This paper presents a description of the development and testing of a framework for understanding the d
In this paper we provide a descriptive summary of a postal survey of FT 500 UK company audit committ
The capacity of expert accounting witnesses to provide understandable evidence has been challenged by Australian judges. Th
This article examines what types of electronic banking technology are open to microfinance institutions. It then proceeds to ex
The second International Association for the Evaluation of Educational Achievement (IEA) Civic Education Study was designed
Due to the increasing complexity of financial services, many consumers are not able to manage their finance in an appropriate
One of the main statutory obligations of the Financial Services Authority (FSA), the regulatory auth
Audit committees evaluate financial reporting quality as part of their corporate oversight responsibili
The authors report on the results of a telephone survey of 1, 001 employees of seven large corporat
This study finds that preferences in the delivery of personal finance information vary for lower-inco
This study surveyed 530 online investors to examine their investment literacy and the relationship
This paper examines the responses from a survey of investors who purchased mutual funds from banks an
This study analyzes the relationship between high school students' scores on a test of personal financial literacy and their stat
This paper addresses a major assessment issue for those who teach engineering economics and related courses. That is, what
This paper uses the example of engagement with UK welfare to work programmes to illustrate the complexity of the financial
While economists of all persuasions undoubtedly agree that universal economic literacy would be des
The purpose of the study is to assess the impact of a high school financial planning curriculum on th
In this paper, I empirically study the effect of economic literacy at the high school level on students' intention to attend college
The authors focus upon the changing nature of production and consumption within the retail financial services industry. The p
For the past two summers, the Division of Education and the Division of Business and Economics at Indiana University at Koko
In August 1996 the Higher Education Funding Council for England (HEFCE) commissioned a six-month research study of IT-assi
This article argues that the existing maze of pesticide policies reflects the multidimensionality of si
The level of economic understanding of 665 11th- and 12th-grade students in southeast Ohio was examined in this study. The
Using survey data on a random sample of 2000 mutual fund investors, we classify investors by their level of financial literacy a
In the UK, the National Health Service (NHS) has undergone a period of dramatic structural change, le
Test of Economic Literacy (TEL) scores from a sample of 942 adults are analyzed in terms of a number of factors. These adult T
This article traces the rise and fall of the British bank reviews - publications funded by British banks and supplied free of charge
Competence, capability and capacity in financial management are crucial for the success of all commercial organizations. Finan
A national sample of high school students who took the Test of Economic Literacy was analyzed by the use of probit analysis a
The administration of the U.S. Test of Economic Literacy in the U.K. is described. The norming data is provided along with a co
High school students in unionized schools score higher on the Test of Economic Literacy than students in nonunion districts, ce
Students in DEEP high schools are found to score higher on the Test of Economic Literacy but are less likely to want another co
Author Keywords
Confirmatory Factor Analysis (CFA); Consumption Behavior; Financial Literacy; Investment Behavior; Middle-Class Income; Stru
conscientiousness; impulsivity; income source; mental accounting; theater-ticket problem
Format credit; Informal credit; Machine learning; Multinomial logit regression
financial literacy; Islamic Financial Literacy; Quran and Sunnah; Shariah
Consumer attitudes; Intention to use; Islamic banks; Islamic financial literacy; PLS; SEM
Economic growth; Financial consumer protection; Regulations
Age; Gender; Hedonism; Investment; Values
Family economic education; Financial inclusion; Financial literacy; University students
ers approach financial education. Unfortunately, in most cases, this potentially rich construct is reduced to mere financial knowledge. This
Financial literacy; Informal learning opportunities; Structural equation models
cision making and investments in financial market instruments (stocks, bonds and mutual funds). Questionnaires were used to measure nu
of Italian adults (no. 945). Using a multilevel regression model, together with the common socioeconomic and sociodemographic variable
Financial Inclusion; Financial Literacy; Formative Mediation; Women’s Economic Empowerment
Consumer debt; Financial literacy; Gender; Gender gap; Loan purpose; Over-indebtedness
Employment Permit System; Filipino migrant workers; financial literacy; South Korea; transnational f
Celebrity Endorsement; Decision-making; Financial Service Advertisement; Information Processing
Economic crisis; Financial literacy; Ireland; Rural households; Vulnerability and resilience
Financial knowledge; Financial literacy; Measurement instrument; OECD/INFE; Rasch analysis
Debt; Debt behaviour; Debt literacy; Financial literacy; Financial socialisation; Parental socialisation;
ency Self-assessment (FMCA) in executive nurse leaders (ENLs) and to determine how ENLs develop and apply financi
Bank account; Credit card; Financial experience; Financial literacy; Information behavior; Knowledge and understanding of per
everyday finance; financial literacy and education; financialization; moralization; responsibilization
A13; A14; Culture; D14; D83; Education; I29; Indebtedness; Money; Personal finance; Savings; Social values
Economic security; Education; Human resources; Strategic management
fied as a competence rather than as a skill, comprising many different behaviours, attributes and skills, including empathy, creativity, finan
Business Growth; Competitive Advantage; Creative MSMEs; Financial Literacy; Taxation
Financial literacy; Multiplicative thinking; Problem-solving; Proportional reasoning; Realistic mathematics
nalyze the effect of price-quality relationship and anchors as heuristics on the evaluation of the willingness-to-invest. We perform two stud
w financial literacy or numeracy, high debt, low income, or impactful changes in personal circumstances. We introduce a comprehensive a
Financial competence; Financial literacy; Informal learning; Mortgage loan; Online loan calculator
Financial literacy; Funds of knowledge; Middle years; Pasifika
Decision making in insurance; Insurance education; Insurance knowledge; Insurance literacy; Middle-
20711050
Access to treatment services; Children and youth; Economic empowerment; HIV/AIDS; Pediatric cance
nancial literacy skills. Financial literacy skills is the possession of the set of skills and knowledge that al
Financial literacy; Math anxiety; Math motivation
Financial Education; Financial Knowledge of Women; Financial Products of Women; Women Awareness in Financial Instrumen
Cognition; Financial literacy; Hippocampus; Microfinance banks; Scaffolding; The poor
Creative economy; Financial literacy; Penta helix; Small Medium Enterprise (SME)
Driven-process; Financial Literacy; Game design; Gamification; Persuasive Behavior
domestic and family violence; economic abuse; economic empowerment; financial literacy
Competitive advantage; Financial literacy; Human capital; Innovation capability; MSMEs performance
cation. In the past, only students of economic secondary schools and universities encountered this subject. The
family education; financial literacy; future orientation; materialism; partial least squares; propensity to plan; retirement plann
deposit insurance; dollarization; remittances; Tajikistan
financial education; financial literacy; financial outcomes; mathematics coursework; spreadsheets
Determinants; Financial inclusion; Literature review; Unprivileged people
financial knowledge; financial literacy; Iran; overconfidence in financial knowledge
corporate financial resources; financial culture; financial literacy; innovation; SMEs; social-economic environment
n, this paper tries to analyze the progress occurred and the future prospect of financial inclusion in India. Our analysis depicts that India ha
Germany; public debt; public preferences; Public spending; survey; taxes
Crisis and trauma; Qualitative methods; Service delivery; Social work practice
ESPOL; Financial literacy; Key financial decisions; University; Video vignettes
ching fraction and decimals for Grade 7 Mathematics. This study used pretest-posttest one-group design with quali
cultural political economy; Financial literacy; financialization; Turkey
Community education; Financial capability; Financial literacy; Neoliberalism; Social work; Vulnerable
Decision analysis; Financial analysis
Financial inclusion; Financial literacy; Financial literacy and inclusion improvement models; MSMEs financial well being
Annuity choices; financial literacy; pensions; public employees
financial literacy; financial planning; financial resources; goal clarity; investment advice; retirement
Accountability; Content knowledge; Economic education; Economic literacy; Economic reasoning; Economics; Hierarchical Line
Economic sociology and economic psychology; Economics; Innovative learning technologies; Pedagogical technology; Pedagog
Age groups; Financial behavior; Financial knowledge; Financial literacy
astern India and West Bengal, have inflicted heavy losses on the investors and have claimed several human lives. A primary survey shows
College students; Financial knowledge; Financial self-efficacy; Financial well-being; Student-athletes
Cash flow management; Financial decision-making; Financial literacy; Indonesia; Islamic (shari’ah) financial products
construct validity; exploratory factor analysis (EFA); financial behaviour; financial decision-making; financial literacy; measurin
Cash Retailers; Demonetization; Digital; Financial; Inclusion; Intermediaries
Antecedents; Consequents and moderators; Financial literacy; Meta-analysis
Consumer finance; Financial education; Financial literacy
China; Financial literacy; Literature review; Social work
Economics education; Financial literacy; Poor and vulnerable youth; Soft skills; Training of trainers; Vocational education
ent-related judgments. Financial literacy refers to a person's knowledge of fundamental financial concepts. I begin by documenting investo
cultural dominance; financial literacy; financial well-being; Ghana; SME owners
hort-term effects of a 45-minute financial education program on the financial literacy and savings behavior of children in Dutch primary sc
Bibliometric; Business; Creative entrepreneurship; Financial education; Scientific research
bility in older age, yet the means by which individuals accumulate these types of human capital remains an open question. This article eva
Financial services; Personal loans; Personal loans' total cost; Price knowledge
such as pawn loans. The consumers who tend to use these small-dollar credit products are more likely to face financial burden and potenti
Financial education; Financial literacy; Game design; Gamification
Banking branch outlets; Business Correspondences; Financial Inclusions
) in the past five years, which carry a typical APR of 300%. Young adults are especially more likely to use AFS yet are also more likely to be
w objective financial knowledge (OFK) and financial knowledge network intensity (FKNI) influence retirement investment decisions through
Bail-outs; Consumer bank switching; Financial literacy; Risk aversion; Trust in the government
CRM; Financial service; Life insurance; Relationship marketing
Affordability; Diversification; Liquidity; Safety; Simplicity-tax saving
Entrepreneurial participation; Entrepreneurial performance; Financial literacy; Industrial regulation
early childhood education; Financial literacy; teacher education; teacher preparation
Economic empowerment; HIV/AIDS; Sub-Saharan Africa; Uganda; Women engaged in sex work
Adolescents; Financial behaviors; Financial literacy; Material hardship; Parental financial socialization; Parental poverty
Customers; Default; Ghana; Low-income groups; Mortgage
Beyond financial literacy; Money-management behaviour; Qualitative approach; Undergraduates
Economic development; Financial access; Financial consumer protection

Nonfinancial performance; Responsible banking; Sustainability reporting; Sustainable banking; Sustainable banking performan
Financial Decisions; Financial Literacy; Investors Financial Knowledge
Board financial education; Financial expertise; Firm performance; Firm size; Healthcare sector in nigeria
Financial literacy; Generative learning; Learning study; Variation theory of learning
accounting education; Financial literacy; personal finance
Attitudinal variables; expectational variables; financial literacy; gender; retirement planning
bank account; economic growth; Financial inclusion; Zimbabwe
Economic knowledge; financial knowledge; input mix of financial literacy curricula
220485
economic well-being; elderly people; financial access; financial literacy; immigrants
ation of College & Research Libraries division of the American Library Association, bringing increased attention to the topic among academ
Financial Literacy; Investment decisions; Overconfidence; Regret Aversion; Risk Tolerance
Diversification; Financial decision-making; Financial literacy; Fluency; Lay perception; Perceived risk
elicitations of exponential-growth bias (EGB) and present bias (PB). We find that EGB, the tendency to neglect compounding, and PB, the te
Evaluation methodologies; Game-based learning; Improving classroom teaching; Pedagogical issues; Post-secondary education
Assets Under Management(AUM); Debt-equity; Highly Networth Investors (HNI); Investors; Mutual fund; Retail investors
Cambodia; credit/debt; development; microfinance; over-indebtedness
China; Community; Community-based leadership training; Education; Youth entrepreneurship skills
ns and is just as prevalent in training physicians. Burnout severity is also associated with increasing levels of f
Behavioural factor; Emotion; Financial literacy; Indebtedness; Materialism
Alienation; Customary land; Indigenous people; Land grab; Lease agreements; Papua New Guinea
Advertising effect; Consumer response; Financial services marketing; Money management; Qualitative methods
Financial behaviors; Financial education; Financial knowledge; Financial literacy; Millennials
College of business students; Experiment; Financial literacy improvement; Video
Economic psychology; Estonia; Financial literacy; Financial well-being; Subjective financial knowledge
Financial literacy; Financial well-being; Gamification; Intervention
ocusing on the racial financial literacy gap. We confirm evidence that whites have higher financial literacy scores relative to minorities and
Financial Literacy; Forest-dependent Communities; India; Numeracy
We use established financial literacy questions to measure literacy levels. The analysis shows a highly significant and positive correlation b
Daugavpils; Financial literacy; Financial literacy index; Financial products; Young people
Financial literacy; Household financial market participation; Housing value; IV probit; PSM
Financial literacy; Investment decisions
Bitcoin; Bitcoin literacy; Financial literacy; Gender differences; Gender gap; Household finance
Consumer; e-Banking; Financial complex products; Financial literacy; Games
Economic Growth; Finance; Literacy
and the Oaxaca–Blinder decomposition technique, this paper examines the determinants of the gender gap in financia
al literacy for individuals' financial decision making and participation in formal financial markets. Our analysis is based on the Financial Cap
Executive functioning; Financial capacity; Independent Living Scales
Financial crisis; Financial literacy; Generation X; Generation Z; Millennials; Personal finance; United States education
Personality; Retirement; Saving; Wealth
Bayesian Net Work; Control; Credit decision; Delegation; Emotion; Gender; Organizational architecture
informal settlements; land rights documentation; residential licences; Tanzania
Artistic orientation; Creative industries; Entrepreneurial orientation; Entrepreneurial performance; Financial literacy
Developing countries; Financial inclusion; Financial literacy; Financial well-being; Gender
College students; Emerging markets; Financial literacy; Money ethics; Time preference
Financial decisions; Financial literacy; Pension fund; Retirement planning; Theory of planned behaviour
Access to finance; Financial literacy; Financial risk attitude; SMEs sustainable performance
Economics; Financial behavior; Financial literacy
financial access; financial inclusion; financial literacy; financial services; income
Financial education; Financial literacy; Financial management; High school students; Logistic regression
erstand financial inclusion in India, at the same time we compare India's situation with the other BRICS nations. We fathom the fact that fi
des that suit the context. They are especially needed for personal fulfillment, development and social inclusion
it card debt puzzle: why consumers simultaneously co-hold high-interest credit card debt and low-interest assets that could be used to pa
Fuzzy trace theory; Heuristic theory; Risk taking and investment
Domains of mathematical knowledge; Mathematical competence assessment; Mathematics education;
difference-in-differences; Education; financial literacy; PISA
Affordable Care Act; financial literacy; health insurance; health literacy; health outcomes
Demographics; Financial literacy; Financial planning; Indian households; Punjab
Cultural possession; Financial literacy; Openness to problem solving; Perseverance
Actuarial education; Behavioural biases; Financial education; Financial literacy; Insurance literacy
Data analytics; Elderly Australians; Financial literacy; IRT; Lasso
Investment decisions; Knowledge of economics and finance; Planning; Portfolio choice
nowledge of business management, minimal retirement savings, and overall poor financial literacy. This study ai
Behavioral intention; Financial inclusion; Financial literacy; Mobile banking services; Rural population
Gender; Overconfidence; Trade volume
Behavioural traits; Cognitive dissonance; Disposition; Familiarity; Financial literacy; Gambler’s fallacy; Quasi-rationalism
Decision-making style; Financial literacy; Financial sophistication; Microenterprises; PLS-SEM; Triple bottom line
Bank account; Financial Inclusion; Financial service; PradhanMantri Jan DhanYojana (PMJDY)
dia is investigated. There is evidence of an improvement in the use of bank accounts over time. Robustness tests suggest that banks with a
Financial capability; Financial wellness; Higher education; Student loans

Defined benefit plans; Defined contribution plans; Health and Retirement Study; Human capital
Ethical values in financial services; Financial literacy; Responses to the financial crisis
Financial attitudes; Financial behaviour; Financial education; Financial literacy; Undergraduate education
Experienced teachers; Financial literacy; Novice teachers; Pedagogical content knowledge; Social science
Financial literacy; Household finance; Joint modeling approach; Latent variable model; Two-part model
Economic and financial literacy; Ideology; Neoclassical economics; Neoliberalism; Secondary education
Financial literacy; Financial literacy education; Indigenous; Praxis
Culturally responsive curriculum; Curricula; Curriculum evaluation; Economic education; Financial literacy; Preservice teachers
Awareness campaigns; Financial literacy; Long-term care; Long-term services and supports; LTSS
financial literacy; mathematical performance; multi-level model of simultaneous equations; simultaneity bias
ageing; decision making pr; diabetes; health beliefs si

t the cost of ignorance in this field may be high on both microeconomic and macroeconomic levels. We surveyed a representative sample
aged care; consumer-directed care; financial counselling; financialisation; older persons
Binomial and ordered logit models; Financial stress; Health status; Loan repayment; Student loan debt
financing expertise; financing familiarity; financing knowledge; P2P borrowing; risk attitude
14706423
such as price shopping. Why not? We surveyed 1,637 Americans in HDHPs-which can be linked to health savings acco
ering rural women in Bangladesh. Nawaz seeks to unpack the untold narratives of women's empowerment and to fill the current knowledg
capability approach; financial capability; financial fragility; financial inclusion; low-income consumers; poverty indicators; rural
GBC; GII; GRB; ICDS; MWCD

s has emerged as an important concern. Over-indebtedness, measured in terms of sacrifices made by households, is high in both rural and
Financial behaviour; Financial literacy; Overconfidence; Underconfidence
computer aided instruction; financial education; financial management
Citation analysis; Financial planning; Women
Demography; Ethnicity; Financial literacy; Generation Y investor; Investment; Malaysia
Financial education; Financial literacy; Teacher professional development
Consumer financial decision-making; Expertise; Financial literacy; Relationships; Transactive memory

Discrimination; Empowerment; Financial literacy; Quantitative
discussed in medical school or surgical training. Consequently, more than half the medical students we interview report no formal teachin
nswer basic questions about inflation, compounding, and diversification. This article argues that financial literacy programs should be com
Awareness; Education Insurance; Insurance Literacy; Problems of Financing of Education
Financial; Intelligence; Literacy; Nigeria; Poverty
pensions; retirement planning
deal proneness; Intertemporal savings; liquidity constraints; poverty
Bank; Credit; Financing; India; Information; Micro; MSMEs; Small and Medium Enterprises
Business experience; Financial literacy; Intangible skills; Intellectual capital; Resource acquisition;
Heckman selection model; high return investments; Racial/ethnic differences; survey of consumer fi
Advice; Consumer behaviour; Consumer education; Financial capability; Financial literacy; Insurance
Drug use; HIV prevention; Intervention science; Microfinance; Sex work
Behavioural biases; Demographic variables; Financial literacy; Indian investors; Survey research
Lottery; mental health; self-reported health
Economic abuse; Emerging adulthood; Financial abuse; Intimate partner violence; Prevention
computer aided instruction; financial education; financial management
development studies education; financial literacy; financial literacy survey; Lesotho government’s sponsorship; National Unive
Cocurricular community service; homelessness; leadership; poverty; social welfare
Disclosure; Financial literacy; Investing; Nudging; Personal finance
Adolescents; Economic literacy; Financial reasoning; Reliability; Validity
Financial literacy; Rationality; Slovak republic
Financial literacy; Financial planner; Information sources; Internet; Investment; Malaysia
financial literacy; Finland; Retirement planning
Age; Gender; Income levels; Personal financial literacy
Financial attitude; Financial behaviour; Financial literacy; Financial numeracy; India; Multinomial logit model; Socio-demograp
Business failure; Financial literacy; Malaysia; SME
Financial literacy; Household asset allocation; HRS; Japan; JSTAR; U.S.
Financial literacy; Household finance; Investment performance
Consumption patterns; Financial literacy; Financial well-being; Retirement
endogeneity; financial literacy; instrumental variables; Retirement savings; survey data
Financial Inclusion; Financial Literacy; Inclusive Finance; Money Management

Financial attitudes; Financial behaviours; Financial knowledge; Financial literacy; Lifestyle
Education; Financial education; Financial literacy; Income
Competitiveness; Financial literacy; Risk management
Financial Literacy; Financial Performance; ISFA; Leadership Transformational; Organisation Culture
Attitude; Behaviour; Financial literacy: knowledge; Gender
experiment; financial literacy; indecisiveness; multiple price list; multiple switching; risk preferences; time preferences
Demographic variables; Financial literacy; Rural household; Tamil Nadu
financial literacy; gender gap; informal learning opportunities
adolescents; financial education; financial literacy; randomized experiment; secondary school studen
Economic agencies; Financial education; School curriculum; Teacher training
21712085
Early childhood; Executive function; Financial literacy; Instrument
Financial learning; Financial literacy; Gender; Lifestyle; Parents’ income; Pocket money
China; Financial literacy; Formal credit; Informal businesses
Financial Education; Financial Leadership; Financial Literacy; Online Technology; Qualitative Research
financial education; financial literacy; Korea; mediator; sound personal finance

Financial literacy; Financial resource availability; Ghana; Growth; SME
Financial education; Financial literacy; Propensity score matching method; Rural residents; Selective bias
Digital; Entrepreneurship; Financial literacy; Gender economics
Entrepreneurship; Financial education; Financial illiteracy; Knowledge; Micro- small- and medium-
Behavior; Competence; Decision-making; Financial education; Financial instruments
Bad credit; Financial attitude; Financial Literacy; Good credit; Rural Bank
Financial literacy; interdisciplinary thinking; minimum wage; national debt; quantitative reasoning
Cross-country analysis; Education policy; Financial education training; Financial literacy; Multilevel regressions
diversification; financial literacy; household-portfolio choice; rebalancing; social interactions

Financial education; Financial literacy; Numeracy
D14; D31; economically vulnerable populations; financial inclusion; financial institutions; financial literacy; G23; J11; Middle Ea
Bosnia; Financial literacy; Hezegovina; Pension literacy; Third life age
Education; Financial knowledge; Financial literacy; Financial responsibility; Financial skills and competence; Level of income
Entrepreneurial persistence; Entrepreneurial persistency; Entrepreneurial self-efficacy; Financial literacy
Financial inclusion; Financial literacy; Logistic regression; Personal finance
Financial awareness; Financial literacy; Household budgeting; Hungary
cluster analysis; financial attitudes; financial behaviour; financial knowledge; financial literacy
Financial Literacy; Iinformation Technology; Perception and Tribal Area; Socio-Economic Conditions
financial literacy; Pension systems; re-election; reforms
Economic literacy; Knowledge; Policy; Understanding
Financial behavior; Financial literacy; Instrumental variables; Knowledge; Survey data
nce of households’ investments. We create a unique dataset by matching information on individual savings accounts from the DNB Househ
Choice architecture; Defaults; Exponential-growth bias; Financial literacy; Household finance; Present bias; Procrastination; Re
And psychometrics methods; Behavioural finance; Saving behaviour
Behavioral finance; Cognitive bias; Financial education; Heuristics; Investor psychology; Investor types
Attitudes towards money; Debt management; Financial literacy; Financial well-being; Young workers
Financial Education; Financial Literacy; Lifelong Education; SWOT Analysis
Financial advice; Financial literacy; Household finance; Risk attitude; Savings and investment behavior
Behavioral economics; Financial literacy; Financial therapy; Group therapy; Intervention model; Transtheoretical Model of Beh
ge payment delinquency using the 2015 National Financial Capability Study dataset. A hierarchical model showed a substantial negative eff
udents and provides recommendations for community college practitioners on how to use incentivized savings accounts to teach financial
Financial literacy; Non-cash transaction; Theory of interpersonal behavior (TIB)
Access to finance; Entrepreneur orientation; Entrepreneurial finance; Financial literacy; Pakistan

21st Century skills; Game-based education
Academic majors; Feedback principle; Financial education; Professional qualification; Risk assessment
ental concepts in financial decision making: knowledge of interest rates, interest compounding, inflation, and risk diversification. Worldwid
Capitalization; Economic insecurity; Entrepreneurship education; Ethical-political action; Financial literacy education; Intrapren
Financial literacy; Individual pension plan; Long-term investments; Supplementary pension
Financial decision; Financial literacy; Investment intention; Risk tolerance
Financial literacy education; mathematics; praxis; social justice
Analytic hierarchy process; Critical success factors; Delphi method; Financial education
Financial knowledge; Gender gap; Parental influence; PISA
that funds a longitudinal Internet panel study to measure public knowledge about the Social Security programs. This article briefly reviews
commercial drivers; Domestic savings; financial literacy; Ghana; probit regression
on in which both market and political processes affect the level and structure of economic activity. In a narrow sense the general state of e
Attitudes; Money; Questionnaire; Saving; Spending
Business Failure; Consumer Demands; Crisis; Crisis Management; Demand; Entrepreneurial Activity; Financial Literacy; Manage
Entrepreneurship; Financial education; Financial illiteracy
Behavioral finance; Financial counseling; Financial decisions; Financial education; Financial literacy;
Financial capability education; Longitudinal study; Monte Carlo; Personal finance
Ability matching; Differentiated instruction; Financial literacy; Randomised Control Trial

Education system; Financial literacy; Mathematical language; PISA survey; Social sciences
Herding behavior; Overconfidence; Past investment experience
Adaptation of test instruments; Financial knowledge; Financial literacy; Migration background; Personal finance; Test of financ
access to services; disability; equalities; poverty; social inclusion; Social work
Digital wallet; Ethnography; Financial inclusion; India; PayTM
behavioural control; family management system; financial attitudes; financial literacy; responsible financial consumption beha
the constraints that must be overcome to improve access to finance, particularly for small and medium-sized enterprises (SMEs). The cha
Cooking at home; Cycle of debt; Fast food; Financial literacy; Financial trouble; Food spending; Household finance; Household
Household Indebtedness; Objective Over-indebtedness; Subjective Over-indebtedness
Banks; Financial institutions; Financial literacy; NBFCs; Non-banking financial companies; Social media platforms
Attitude; Behavior; Decision making; Energy literacy; Knowledge
Competence motivation theory; Financial literacy; Management; Primary schools; Principal; Teacher
Annual Income; Annual Savings; Investment; Investor Rationality; Underlying Triggers
50/20/30 Rule; Android; Financial; Google Vision Cloud API; Mobile; Notification; OneSignal API; Opti
Emotional Intelligence; Female Lecturer; Financial Information; Financial Management Behaviour; Financial Self-efficacy
gender gap; interest in economic topics; media use; Test of Economic Literacy; vocational education
Attitudes and behaviors; Financial knowledge; Financial literacy; Financial vulnerability; Hungary; Young adults
aging; domain-specific literacy; pathology; TDP-43
Financial development; Formative exposures; Household finance; Local banking; Native American reservations
financial knowledge; Financial literacy; overconfidence; retirement planning; self-employed
Educational economics; Financial literacy; Future orientation; Saving education
financial education; financial empowerment; human services providers; professional development; Your Money Your Goals To
Digital banking; Financial services; FinTech (financial technology); Non-bank financial institutions; Switching behavior; Technol
economic literacy; economic-civic competence; gender gap; item format; test construction
D81; D83; financial market participation; financial planning ability; G11; household portfolio choice; risk perception; risky asset
Financial behavior; Financial education; Financial literacy; Meta-analysis
Behavioral finance; Financial literacy; Financial planning heuristics; Market sentiment; Personal pensions; Retirement planning
Banking sector; Corporate bonds; Credit activity; Deposits; Financial Instruments; Financial literacy; Investments; Microfinance
Certified Financial Planner; Debt-to-income ratio; DVM; Financial advising; Financial education; Financ
Financial self-efficacy; Measurement development; Measurement validation; Standardized measurement; Women’s Financial
Gender; Handloom; Income gap; Micro-entrepreneurs; Unconditional quantile regression
econometric modeling; factors affecting financial deepening; Financial deepening; Mexico
Baltic States; Career Development; Financial Education; Knowledge Management; Modelling; Pension
152460
adolescents; educational design research; financial literacy; school-based financial education
Cashless economy; Financial inclusion; Financial literacy; India; Information literacy; Mobile literacy;
Economic competence; Economic literacy; Gender gap; Item response theory; Pre-college economic education
Attitude towards withdrawal; Market discipline; Perceived behavioral control; Sharia mutual funds; Subjective norm; Withdraw
Financial education; Heterogeneous impacts; Randomized controlled trials; Treatment effects; Youth
Attitudes; Decision-making; Pension; Retirement; Savings
Cognitive ability; Financial behaviour; Private saving; Religious faith; Self-efficacy
13942603
Alternative financial services; minorities; unbanked; underbanked
Economic education; Pedagogy; Poetry
Division of labor; Information acquisition; Personal finance
financial attitudes; financial behaviour; financial education; financial knowledge; teacher professional development
sted a model that specifies distinct paths from education to life satisfaction through three domain satisfactions (i
Central bank reputation; Economic literacy; Inflation expectations; Survey data; Uncertainty of inflation expectations
Debt literacy; Facebook; Financial literacy; Social capital; Social media
Barriers to impact investing; Nonprofits; Social enterprise; Social impact investing

Financial Accomplishments; Financial Constancy; Financial Possessions
Gold; household resource management; liquid assets; Vietnam
disability common fund; Ghana; SDGs; Social protection policy
Financial education; Financial services; Mexico; Perception; Students; Telebachilleratos; Usefulness
Financial awareness; Financial literacy; Financial security; Gender; India; Investment planning; Wealth management; Women
Cambodia; Economic growth; Migration policy; Remittances
Financial decision; Financial literacy; Materialism; Moderation (wasatiyyah); Muslim consumers
disability; employment; self-determination; SSI; Transition

Altman Z-score; Financial analysis; Modern studying; Simulator of economic objects
ds in making better-informed financial decisions and whether PFA may help households achieve better self-control in implementing financi
Entrepreneurial activity; Funding; Funding strategies; Startups; Venture funding
Capital Structure; Determinants of Capital Structure; Indebtedness; Manufacturing; Medium Size Enterprises; Small
Behavior; Investment; Saving; Teaching community
Cloud computing; Digital transformation; Finacial governance; Information technology; Purposive sa
disability; employment; engagement; SSI; Transition
aging; asset decumulation; dispositional measures; financial literacy; Pension Freedom regulation; retirement savings
14706423
Modern Russia; Tax awareness; Tax culture; “Free rider problem” in taxes
health; literacy; scoping review; sick leave; Social insurance; work disability; workers’ compensation
Business simulation; Content analysis; Entrepreneurial finance; Innovation; Machine learning; Modelling; Natural language pro
Behavioral finance; Financial literacy; Financial planning heuristics; Market sentiment; Personal pensions; Retirement planning
Communicative potential; Financial literacy; Intra-lingual translation; Transdisciplinarity
aging policy; anxiety; financial literacy; Japan
economics education; financial education; financial literacy; financial literacy in developing countries; financial literacy in India
Adam smith; Compassion; Detachment; Financial literacy; Morality; Spirituality
Financial literacy; Financial socialization; Money matters; Multilevel regression; PISA 2015
Financial literacy; Ghana; Logistic regression; Undergraduate students
Consumption insurance; Financial literacy; Present bias
Education quality; Europe; Financial literacy; Social interaction; Stock market participation
Financial Literacy; Investment; Phenomenology; Savings; Swamp Buffalo

financial literacy; household finance; life-cycle consumption and savings; retirement savings
Attitudes; Decision making; Investment guarantees; Life insurance
Educational pairing; Household finance; Inequality; Urban residency
Beginning university students; Business and economics; Course in economics as a major subject; Heterogeneity; Prior econom
behavioural insights; Estonia; financial education; financial literacy; goal setting; interpretive approach; peer effects
Financial capability; Global; Social investment strategy
Financial literacy; Financial mathematics; Numeracy; Problem-solving; Realistic mathematics
literacy, confidence in retirement, and economic well-being—and financial planning for retirement evaluated at two
Feedback; Gender; Invested effort; Low-stakes test; Missing values; Test motivation; Test of economic literacy; Vocational scho
Cambodia; field experiment; Financial literacy; media
ansport universities on the basis of analysis of the results of empirical data of social research. In the frame
Access to finance; Financial literacy; Growth; SMEs
nalyze effect of financial literacy, digital financial product usage, Internet usage on financial inclusion in mainland
Financial development; Financial inclusion; Financial institutions; Financial literacy
Debt; Financial literacy; Financial management; Househol; Income
Financial Literacy; Investment Portfolio; Pension Funds; Savings

Employment; Financial literacy; Poverty; Primary care
as well as helps to shape the development of financial markets by attracting the public to participate in investme
Credit; debt; financial literacy programs; governance; payday lending
leadership; social entrepreneurship; venture; youth; youth development
Cultural cognition; Financial inclusion; Financial literacy; Moderating effect; Poor households; Procedural and declarative mem
Dollarization; Financial literacy; Foreign currency borrowing; Household survey; Risk-hedging behaviors
Adolescent girls; Asset theory; Education; Financial literacy; Micro-savings
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cluding American investors, are financially illiterate. This Article argues that America's financial illiteracy poses a significant, widespread, an
Debt; Financial inclusion; Financial literacy; Financial security; Financialization; Poverty
Australia; Financial literacy; Money management behaviour; Qualitative techniques; Undergraduates; Young people
decumulation; fairness; financial decision making; loss aversion; psychological ownership; self control
Financial literacy; Numeracy; Problem-solving; Realistic mathematics; Task design
employment; nonstandard employment; rural area; self-employment
financial inclusion; financial literacy; financial regulation; Kenya
ancial literacy and spending habits based on gender. The cluster sampling was used in this study and 60 employe
Entrepreneur; Financial literacy; Industry 4.0; Micro Small Medium Enterprises
Behavioral factors; Compulsive buying; Financial literacy; Integrate effect; Materialism; Other management-related topics; Pro
Behaviour; Financial attitude and financial literacy; Knowledge; Theory of planned behaviour
attitudes; Financial literacy; Italy; schooling; truancy; youth
Fractional; Investor; Motivations; Online; Property; Residential

Informal settlements regularisation; land title application; land title uptake; Tanzania; title as collater
Family communication patterns; Financial education; Financial literacy
Financial literacy; Spatial dependence; Spatial Durbin model; Spatial-temporal analysis
Financial literacy; Multilevel analysis; PISA 2012; The teaching of financial education
Aging policy; Anxiety; Financial literacy; United States
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debt; financial literacy; formal loanss; micro entrepreneurship; randomized evaluation
Financial literacy; Parenting; RCT; Saving; South Africa
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Financial literacy; Household finance; Mortgage refinancing
Financial inclusion; Financial literacy; Graduation; Lending methodology; Microfinance; Ultra-poor
Financial literacy; Gender difference; Loan default; Loan return; Peer-to-peer lending
Citizenship education; Economic citizenship; Economics education
financial behavior; financial capability; financial literacy; financial well-being; propensity to plan
activism; B24; B51; economic journalism; economic literacy; history of economic thought; radical economics
Family; Financial education; Role models; Savings; Young consumers

African-American; fatherhood; recruitment; theoretical frameworks
Dairy farming; Parametric test; Smallholder farmers; Training needs assessment; Uganda
determinants of financial literacy; Financial literacy; India; predictive model
College Student Credit; Credit System; Financial Literacy; Internet Consumption
Financial literacy; Islamic finance; Islamic financial literacy; Scientific society
curricula; financial literacy; students with disabilities
Confidence; Education; Financial literacy; Gender; Household finance; Wealth
Emerging markets; Financial literacy programs; Individual trading; Stock markets; Transaction costs
Client learning; Financial literacy; Financial service encounters; Instructional design
Financial literacy; H55; H75; J32; pension funds; self-managed superannuation funds; SMSF choice
Emerging economies; Financial literacy; Informal loan; Shadow economy
Competing models; Financial literacy; Structural equation modeling
ehavior and technology to financial innovations. The chapters cover current topics in finance including integrated reporting, people financ
Demonetization; Economic development; Financial inclusion; Financial literacy; Online banking
Digital competence; Digital divide; Digital inclusion; Digital learning; Indigenous people; Information and communication techn
“developing economies”; “financial attitude”; “financial behavior”; “financial knowledge”; “Use of t

college students; credit cards; Financial literacy; financial services; student loans
financial education; India; randomized controlled trial; rules of thumb; savings
financial literacy; ICT literacy; mHealth; mother and child health; nutrition literacy
st, we use household responses to questions regarding financial stress and savings habits to derive a factor variabl
Consumer durables; Energy efficiency; Energy efficiency gap; Financial literacy
cial literacy accumulation. We find that 20 years after re-unification there is evidence for a significant financ
t on investors’ risk perception by examining the risk disclosure part in the Key Investor Information Document (KIID)
Decomposition analysis; Financial literacy; Gender gaps; Survey data
xtent this gender gap is due to a misspecification problem or whether it exists because boys and girls do indeed
demographics; domestic savings; financial literacy; Ghana; life cycle hypothesis; sustainable econom
Decomposition analysis; Financial literacy; Gender gap; Problem-solving attitude; Unconditional quantile regression
rces to improve households’ financial literacy, considered as a key element of debt decisions. However, the role
Financial literacy; MiFID; Retail investors
al planning, health care and various insurances from governmental institutions and firms to individuals. To tack
Financial advice; Financial literacy; Household finance; Retirement provision
ant changes in savings behavior. We experimentally test the impact of financial literacy training on clients of
Financial education; Financial knowledge; Financial literacy impact; Personal finance
Distracting advertising; Finance; Information sharing; Learning; Video
Aging; Cognition; Decision making; Literacy; Risk aversion
Credit unions; Financial literacy; Gambling; Prize linked savings; Risk aversion
Financial capability; Financial literacy; Food security; Poverty
ensive account of which personal characteristics are associated to adequate financial competence and wise financ
Cash flow statement formats; Financial literacy; Framing effects; Loan decisions; Numeracy
attitudes; gender; multivariate statistics; nurse education; professional development
audit committee; Corporate governance; internal audit; Oman
Financial literacy; Financial well-being; Mathematics competency; university students
Financial literacy; instrumental variable approach; national financial capability study; payday loans
Consumer protection financial literacy; Financial consumer; Financial inclusion

is book covers a wide range of topics and assures the reader that understanding of one's money script and more particularly making chang
Aging; APOE; Cognition; Financial literacy; Health literacy
Gerontological Society of America

Green and sustainability in finance; Social capital; Stock marketing participation; Technology
Cognitive abilities; Financial literacy; Numeracy
Culture; Financial literacy; Financial socialisation
ncial literacy in an efficient and secure manner. India needs inclusive growth to pull millions out of poverty and mobile phone penetration
nt ruin. In an experimental setting, we analyze how 854 defined contribution (DC) plan members reallocated wealth between a lifetime an
result, significant efforts have been taken to nurture institutions and systems to include an array of socio-economic classes. Various financ
Financial decision making; Financial literacy; Market returns; Risk tolerance
l literacy (knowledge, attitudes, reported behavior) among adolescents in Austria. Treatments comprise a documentary movie on debt, an
nique geographic, social, and economic spread. In India, financially excluded sections largely comprise of marginal farmers, slum dwellers,
adolescents; discount rates; Financial literacy; present orientation; time preference
Advice; Confidence; Consumer financial decision-making; Objective knowledge; Subjective knowledge
Cross-border remittances; Economic and social development; Formal remittances; Lesotho; Regulation
Banking Business and Finance Departments; Financial Literacy; School of Applied Sciences
s and multidisciplinary approaches. The authors of this book illustrate this trend by looking at different study areas of the social sciences.
ment. In selecting and structuring the material to include, the primary criterion has been applicability of topics and recommendations and
China; Financial literacy; retirement planning
Consumer subjective and objective knowledge; Financial literacy; Financial literacy miscalibration; Opinion leadership
ng an educational degree, which could lead to accomplishing professional and personal aspirations. Even if Latino male students enroll in p
Financial Literacy; Financial Planning; Savings Behavior
Alternative financial services; disclosure mandates; financial literacy; information constraint; rent-to-own
oked throughout medical training. Physicians are facing an unprecedented student loan burden upon graduation fro
child; education; family; financial; gender; household; shopping; women
endogeneity; financial exclusion; ivprobit; microcredit; payday loan
Asset-building; Discourse; Neo-liberalism; Poverty; Social welfare policy
Credit Card Transaction Salience; Field Study; Financial Literacy; Industry Research; Sensitive Data
Agency; Design; Ethnography; Financial capability; Financial inclusion; Resource-constrained design
of SME. Although, numerous research had existed in financial literacy subject, there are still limited research that ex
Family therapy; financial literacy; financial therapy; online therapy; personal finance
Borrowing; Financial literacy; Household finance; Saving
Education; Elderly people; Financial literacy; Malaysia; Retirement planning

financial literacy; pedagogical characteristics; review; school-based financial education
Economic literacy; Financial development; Inequality
Financial literacy; Financial statements; Investment decision-making; Investor education
al literacy. When we control for portfolio risk, the most literate households experience 0.4% higher annual returns than the least literate h
cognitive interviews; expert interviews; knowledge and understanding of personal finance; Test of Financial Literacy; validatio
document design; domain knowledge; financial communication; financial literacy; information retrieval; language skill; pension
Awareness; Financial education; Health insurance; Utilization
Financial inclusion; Financial literacy; Meta-analysis; Savings; Sub-Saharan Africa; Systematic review
asset allocation; behavioral finance; depression babies; investment decisions; laboratory experiments; myopic loss aversion
Credit; Financial inclusion; Life cycle; Savings
Cognitive skills; Elaboration likelihood model; Financial literacy; Pension savings; Severance pay
Financial education; Gambling; Scratch-off lotteries
Financial anxiety; Ministry; Moral development; Theological education
nancial knowledge, behaviour, and attitude is constructed. The findings suggest significant variation in financial literacy across states with a
Drug use; HIV; Microfinance; STI; Women
Financial literacy; Gender; Indicator; National strategies
Financial literacy; Propensity to plan; Saving; Stock participation puzzle; Wealth
Derivatives market participation; Financial literacy; Household finance
Attitude toward risk; Chinese-Americans; Cultural influences; Financial advice; Financial literacy; Financial services
Affect; Assemblage; Atmospheres; Bank of England; Financial literacy; Museums
Consumer Behaviour; Consumer Education; Consumer Financial Decision Making; Consumer Policy; Consumer Susceptibility to
Confidence; Financial literacy; Overconfidence; Real-effort task
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Culture; Early-life experiences; Household debt; Trust; Trustworthiness
Financial inclusion; household saving; personal finance
college decisions; debt letter; financial literacy; student loans
Banking service quality; Credit; Financial literacy; Self help groups; Service quality
Macroeconomic factors; Non-macroeconomic factors; Stock market volatility; Vector error correction model
Financial education; Financial information processing; Financial knowledge; Financial market volatility; Peer effects; Situationa
ccounting students' financial literacy (n = 184). Financial literacy was assessed using a paper-and-pencil objective
e people around the world. These schemes include payday lending, matched savings, and financial literacy in the Global North, and micro-
financial literacy; savings; youth finance
Doxa; Economic sociology; Economic theory; Financial literacy; Folk economics; Phenomenology
motion a lifetime of poor social and health outcomes. Vulnerable youths are at particularly high risk in this rega
Financial; Financial literacy; Manager; Small medium enterprises
Behavioral finance; Capitalization bond; Financial literacy; Informal loan; Loan
Financial literacy; Indonesia; West Java athletes
culture; financial literacy; Ghana; SME performance
Confirmatory factor analysis; Eigenvector method; Financial literacy; Maximum likelihood estimation; Students
Financial education; Financial literacy; Financial products; Triple helix model
Financial literacy; Gender disparity; Retirees
tes the impact of demographic characteristics on their Financial Literacy. A total of 637 residents residing in seven different blocks of Pudu
Actual financial literacy; Financial risk tolerance; Investment decision-making behavior; Perceived financial literacy
Financial literacy; Migrants
Book keeping; Developing economies; Financial literacy; Risk management; Technology use
ers possess financial skills necessary to undertake related financial decisions. Aim and setting: We investigated this assumption by explorin
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Agent's performance; Branchless banking; Financial literacy; Work engagement
Australia; Financial hardship; Financial literacy; Overconfidence
Financial attitude; Financial behaviour; Financial knowledge; Financial literacy; Youth
Financial Behavior; Financial-Literacy Education; Generative Tools; Narrative Visualization
confidence; financial behavior; financial literacy; risk preferences; university students
Civil society; Critical education; Critical financial literacy; Financial education; Financial literacy; Financial regulation; Financialis
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Budget for citizens; Financial literacy; Fiscal literacy; Local budget; Municipal finance; Open budget
Behavioural economics; Economic sociology; Estonia; Financial education; Financial literacy
Entrepreneurship Education; Entrepreneurship Skills; Financial Literacy
CART analysis; Financial literacy index; IRT analysis
Business performance; Financial literacy; Financial performance; Indonesia; Marketing performance; Micro, small, medium-siz
consumer finance; financial education; financial knowledge; financial literacy; university students
Age; Ethnicity; Financial literacy; Gender; Income
Blended learning; Education; Financial literacy; Money; Web portals
Energy efficiency; Financial literacy; Happiness index; Renewable energy consumption; Responsible
Financial literacy; Invest; Life insurance
Competencies; Digital dementia; Education; Financial literacy; Web portals
business education; financial education; financial knowledge and skills; financial literacy; personal financial literacy
Decision making; Entrepreneurship; Financial literacy; Savings
Accountability; Compassion; Dialogue; Discipline-based art education; Financial literacy; Social justice
Exchange Commission; Financial literacy; Impulse response function; Primary capital market; SEC; Securities
Financial education; Financial literacy; Investment awareness; Risk tolerance; Stock market participation
Access to financial services; Financial literacy; Firm performance; Use of financial services
Financial exclusion; Financial inclusion; Financial literacy; Tribes
Chuka constituency; Financial literacy; Kenya; Sustainable development goals; Women economic
Croatia; Financial Literacy; K-Means Cluster Analysis; Retirement planning; Socio-Demographic Charac
Biases; Emotions; Financial literacy; Flexible data summarization; Fuzzy logic; Quantified sentence of
aging; finances; hospitalization; Literacy
Financial attitude; Financial behavior; Financial knowledge; Financial problem
Financial literacy; Personal finance; Poverty; Savin
Budget; Financial literacy; Homelessness; Income; Money management; Veterans
Africa; Entrepreneurs; Experiment; Financial training; Inattention; Reminders; Savings
Financial capability; Financial literacy; Short-term survey
Financial literacy; Knowledge score; Malaysia; Survey
Financial literacy; Insurance; Investment; Saving; Spending
CAS literacy; Cash flow; Financial literacy; Small business; Tax literacy
Financial literacy; Financial retirement beliefs; Financial retirement planning; Saving; Young adults
Financial Behavior; Financial Knowledge; Rural Household; Socio-Economic
Financial education; Financial knowledge; Human capital theory; Incarcerated; Work release
Financial literacy; Financial quotient; Online finance; Outlook on wealth
Domestic violence; Economic abuse; Intimate partner violence; Violence against women
Capital; Economic opportunities; Income distribution; Inequality; Poverty

Annual percentage rate; Consumer credit; Effective annual rate; Interest rate restrictions
Advice; Consumer decision-making; Robo-advisors
Assets; Financial literacy; Financial security; Financial services; Retirement accounts; Savings accounts
vel of financial literacy among residents is low. Development of a personal finance curriculum could improve the financial well-being of tr
Compulsive buying behaviour; Credit card usage; Money attitudes; Theory of planned behaviour
Economic functioning; Financial capabilities; Sub-saharan Africa; Youths
Financial literacy; Financing long-term care cost; Longevity risk
Choice Architecture; Decision Inertia; Decision Support; Nudges; Robo-Advisory
access; Adamawa state; farm-households; farmers; formal agricultural credit; Nigeria; rural
Financial literacy; natural experiment
European Financial Thought; Finance forerunners; Finance Nobel prizes; Financial literacy; Mathematical modern finance
Family financial planning; Medical bill; Personal bankruptcy; Strategic defau
Financial literacy; Household finance; Intra-household dynamics; Liquidity; Personality; Self-Control
representative Internet panel of approximately 6,000 adult respondents that is administered by the University of Southern California. The
Accountability; Digital Platform; Financial Literacy; Google Analytics; Transparency
Financial incentives; Financial literacy; Information treatment; Pension knowledge; Retirement age
Fi nancial education; Financial literacy; Prospect theory

Emotional instability; Financial anxiety; Financial behavior; Future clarity; Personality
y? This chapter provides a statistical portrait based on reputable Statistics Canada surveys that allow us to consider both the characteristi
all community-based organization based in Southern California that is dedicated to supporting the development of
(EIU) and environmental education. Both EIU and environmental education are important cross-curricular themes in the National Curricul
Employees; Financial literacy; Financial problems; Financial wellness; Productivity; Stress
Credit card transaction salience; Exceptional purchases; Financial literacy; Goal-setting
Financial literacy; Personal income tax; Tax literacy; Value added tax
Canada; Consumer education; Consumer literacy; Curriculum; Financial education; Financial literacy
confidence; Learning; Metacognition; Novices; Overconfidence
Behavioral variables; Emerging financial markets; Exploratory factor analysis; Informed and uninformed investors; Structural e
Non-macroeconomic factors; Stock Market Volatility; VECM
Economic development informality; Ethnic entrepreneurship; Nigeria
Access to credit; Generation Y students; Overindebtedness; Savings behaviour
Leadership; LEADS; Physician
Adoption of Islamic banking; Awareness on Islamic banking; Demographic impact in Islamic banking; Islamic financial services
Attitudes; Consumption; Indebtedness; Purchase; Saving; University graduates
administrative data linkage; cognitive ageing; health and financial literacy; longitudinal study of agei
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Bangladesh; enrolment; Health financing; moral hazard; Outreville’s insurance demand framework
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Antenatal; Chi square; Childhood immunization; Post-natal care; Prevalence; Socio-demographic fact
Accounting; auditing and accountability; Cultural; Cultural heritage and intellectual property assets; Environmental; Financial a
Banking security; Central Bank of the Russian Federation; Concept of the legislative policy of the Bank of Russia; Legal acts of t
esponsibilities in 2014. The Pradhan Mantri Jan Dhan Yojana (PMJDY) is an innovative scheme to qualitatively expand financial inclusion an
Bitcoin; Cryptocurrency; South Africa; Virtual community; Virtual investment community
Chinese households; Financial literacy; Risky asset holdings
Financial behaviour; Financial capacity; Financial literacy; Risk tolerance; Spending behaviour
Civic education; Financial education; Financial inclusion; Financial literacy
literacy of teens and children. The collaboration resulted in positive impacts for both Extension and Utah youths. Extension benefited thro
Online buying; Online shopping addiction; Problematic Internet Shopping; Risk factors, survey
Citizenship education; Critical thinking; Financial education program; Québec; Social sciences
African-American; Financial knowledge; Financial literacy; Retirement; Retirement planning
Financial market; Integrated financial space; Products; Services
attitudes; children; financial literacy; intervention; saving and spending; social and financial education; training
Behavioural economics; Central Asia; Diaspora bonds; Financial sector development; Remittances; Ru
African American; Financial knowledge; Financial socialization
App; Financial literacy; Gamified learning; Microlecture; Mobile learning
Aging process; Decision-making; Financial cognitions; Financial management behavior; Parental econo
economic adaptation; financial literacy; North Korean refugees; Raven’s standard progressive matrices test
Criminal justice involvement; financial capability; mental health court; psychosocial intervention; severe mental illness
exponential type II Tobit; financial literacy; life-cycle; Retirement savings; two-part model
Financial literacy; Optimism; Overconfidence
financial literacy; informal economy; micro-enterprise performance; role models
Canada; Financial literacy and education; Financialization; Indigenous struggles; Neoliberalism; Race and racism; Settler coloni
Active learning methods; Financial education; Financial literacy; Life-skills; Rwanda
children; Financial education programmes; financial literacy; sociology of consumption; sustainability
Cognitive load; Economic decision-making; Executive functions; Poverty; Poverty trap; Risk preference; Scarcity; Time-discoun
Financial Literacy; Programmes; Socioeconomic Variables
Awareness; Communication Skills; Economics; Factor Analysis; Financial Literacy; Mobile Cartoons; Q
ficantly impacts financial behavior and, to an even larger extent, financial literacy. These results also hold
early withdrawal; financial literacy; individual retirement; liquidity constraints; private pension; Turkey
of subject Economics in the environment of Czech secondary education. It is based on the research of OECD on the level of financial litera
Financial literacy; Life cycle model; Portfolio choice
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Bayesian estimation; Endogeneity; Financial literacy; Financial market participation; Network formation; Social interactions; Tr
Agencement; financialisation; governmentality; investors; state; subjects
Behavioural finance; Financial planning; Financial well-being8Financial literacy; Personal finance
Bank competition; Banking products; Barriers; Financial literacy; Household survey; Loyalty; Policy initiatives; Psychological fac
cial determinants of health; health promotion; income; poverty; primary care
Financial behavior; Financial Literacy; Versity Students; Work Experience
d's economic crisis. Before it can do so, the discipline must adapt to changing economic and political environments. The contributors addr
in Texas, this study examined how students’ financial habits, stress, and well-being influenced their enrollment behaviors. Working stude
Financial literacy; Financial performance; Gender; Regression analysis
Financial literacy; personal finance; readers’ advisory; reference; self-help

Expectations; Financial literacy; Portfolio allocation; Retirement planning; Risk aversion
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Corrections; Financial knowledge; Prison education; Recidivism
Competitive advantage; Financial literacy; Individual investor behavior; Investment decisions
Banking services; Financial knowledge; Financial literacy; Financial services; Money management; Small scale entrepreneurs
Financial knowledge; financial sophistication; retirement planning
Financial Controlling; Financial Literacy; Financial Management; Innovation Capacity; Innovativeness; Liquidity
financial capability; financial education; financial literacy; personal finance; public use data
E-banking; Gamification; Software development; Technology acceptance; Web design
Children; Field study; Financial and economic literacy; Savings
Financial attitude; Financial behavior; Financial knowledge
Deductibles; Difference-in-differences; Health plan choice; In-kind transfers; Number of doctor cons
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conscientious consumption; financial literacy; food insecurity; household finance; Supplemental Nutr
left them in a critical financial hardship. Many affluent suburban neighborhoods now resembled desolate ghost towns as families abandon
Financial literacy; Financial literacy measurement; Islamic financial literacy; Shariate financial literacy
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Financial education; Financial inclusion; Financial literacy; Indonesia student
Attitude toward money; Financial behavior; Financial literacy; Perceived financial confidence
Awareness; Financial literacy; Risk preference; Stock market participation
Credence services; Financial advice; Financial literacy
hcare costs to patients, resulting in greater patient financial responsibilities. As a result, it is important to unde
Elementary years; Emerging economy; Financial education; Financial literacy; Financial socialization
preventive medicine; primary care; public health; social medicine
Banks; Costumers; Financial literacy; Social networks

nal organisations around the world. Drawing on the material culture of financialisation, financial education policy
Financialisation; material culture; systems of provision
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Financial literacy; inclusive pedagogy; marginalised youth
cognitive model; decision-making; investor protection policy; takeover
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Debt attitude; Debt behavior; Economic education; Economic literacy; Financial literacy
, process and reflect on the information presented to them. This article provides a comprehensive review of financial literacy studies and s
17507219
Financial advice; Financial behavior; Financial education; Financial literacy; Household finance
Financial literacy; international comparisons; retirement planning
Attitude towards money and Structural Equation Modeling; Money management; Parental norms; Perceived financial literacy
Financial literacy; narratives; videos; visual analytic tools
education; financial literacy; financial sophistication; pension reform; Retirement planning
Financial literacy; investment returns; retirement saving plans
al literacy of citizens. Scarcely any topic of the school curricula is undergoing such rapid and frequent changes as the topic of financial issu
studies, but causal effects in adults are unknown. In a 9-week longitudinal study, undergraduate students, all
Emergency savings; Financial fragility; Financial literacy; Indebtedness; Personal finance
erest in, and calls to improve peoples' financial literacy skills and abilities to understand and manage their money. New conceptual framew
Financial literacy; Financial well-being; Household finance; Overconfidence
financial literacy; SEM; SMEs

Financial literacy; Financial satisfaction; Gender differences
Financial advisor; Financial literacy; Life insurance
When asked to answer questions that measure knowledge of basic financial concepts, women are less likely than men to answer correctly a
Behavioral insurance; Emergency fund hypothesis; Financial advice; Financial literacy; Heuristic decision making; Life insurance
ation process and subsequent mortgage performance. I show that face-to-face interaction between a mortgage broker and borrower befo
Financial institutions; Financial services for the citizens; Pension system; Population’s savings; Sufficiency of pensions
ices. FINO PayTech Limited (popularly known as FINO) was the first mover in the blue ocean of financial inclusion business in India. It is qu
Communication strategy; Consumers; Inflation expectations; Monetary policy; Rational inattention; Transparency
debt; financial literacy; graduate medical education; personal finance
Financial autonomy; financial education; financial literacy
Adolescent girls; Empowerment; Financial education; HIV; HSV-2; Multi-sectoral; Nutrition education
education; Financial literacy; immigration; PISA
Financial literacy; Home ownership; Household finance; Mortgages
Alternative mortgage products; Financial literacy; Mortgages; Present bias
financial aid; financial literacy; loan aversion
ents, while these also enable students to reorganize their acquired knowledge. However, previous studies have
Bounded rationality; Consumer education; Financial literacy; Pricing strategies; Welfare effects
Financial behavior; Financial self efficacy scale; Theory of planned behavior
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Financial health; Financial health literacy; Financial literacy; Health literacy; Medicare; Older adults;
Financial literacy; four-parameter IRT model; item response theory; personal finance; testing; validity
Adaptation of test instruments; financial literacy; personal finance; Test of Financial Literacy
Financial disclosure; Financial education; Financial literacy; Involvement; Readability; Subjective financial knowledge; Thoughtf
Aging out; financial therapy; foster care; prevention
Financial risk tolerance; Risk profile; Risk tolerance gap; Suitable investment portfolios
Financial education; financial literacy; program evaluation
financial education; financial literacy; personality traits
concept maps; conceptions; domain-specific teachers’; financial literacy; vocational education and training
Active; Constructive; Economic classroom experiments; Economic literacy; Interactive; Passive; Secondary education
401(k) portfolios; International diversification; Micro data
Child welfare; Foster care; Foster child; Foster home care; Transition age; Transition to adulthood; Y
. Start with Value of the firm theory, capital structure theory up to investment theory. Investment theory; behaviou
Common Services Center; Financial Literacy; Information Communicating Technology; Investment; Inve
Common services center; Financial literacy; Information communicating technology; Investment; Inves
Alzheimer’s disease; cognitive decline; Financial literacy; health literacy; mild cognitive impairment
Financial literacy; Numeracy; Problem solving; Realistic mathematics; Task design

dies have reported on strategies to mitigate this burden. Improving literacy about the financial aspects of can
Cultural Responsiveness; Curriculum; Equity; Financial literacy education; Indigenous education
canonical correlations; financial crisis; financial literacy; over-indebtedness
ant option for consumers faced with increased responsibility for their own financial circumstances. We explore the role of two potential ba
ong string of efforts to reform health care in the United States. In this article, we provide a brief background and explore key components
financial literacy; household finance; stockholding; wealth inequality
Coproduction; Eustress; Literacy; Organizational support; Well-being
Emergency saving; Financial capability; Financial knowledge; Living within one's means; Personal finance
Bio-economics; Economic yield; Fisheries management; ITQ; MEY; Trade-offs
Contract design; Financial information; Financial literacy; Fintech; Information design; Investment advice; Robo-advising; Visua
Economic crisis; Financial Education; Financial Literacy; Lay explanations; Secondary school; Student's conceptions; University
Financial literacy; Gender; Investment behavior; Portfolio's risk and diversification; Risk preferences
Exponential-growth bias; Financial literacy; Overconfidence; Overestimation; Overprecision
mentary students. In this article, the authors describe a strategy for teaching financial literacy using the books about Max and Ruby by Ros
communities, social work schools need to bring economic literacy skills into the curriculum. This article describ
employment; rural; Youth
Economic literacy; Economic literacy test; Entrepreneurship; Entrepreneurship traits; University students
Financial consumers; financial literacy; savings behaviour; Zimbabwe
Financial literacy; Financial literacy digital game; Learning opportunity; Perceived ease of play (PEOP)
Financial literacy; Rural household; Socio-demographic variables; Tamil Nadu
Financial literacy; Household; Stockholding; Tunisia
Financial literacy; Halal; Islamic financial intelligent; Islamic financial literacy
Financial behaviour; Financial behaviour; Financial knowledge; Financial literacy; Insurance financial attitude; Undergraduates
Financial education; Financial literacy; Pension decision; Retirement planning; Slovakia
Banking Institutions; Eu; Financial Education; Financial Literacy; Learning; Slovenia.; Training
Debt; Financial behaviour; Financial education; Financial literacy; Teachers
ANOVA; EFA; Financial decision; Financial literacy; Regression analysis
Family support; Financial literacy; Financial planning; Financial well-being; PLS
Financial inclusion; Financial literacy; Institutional framing; Microfinance; Rural poor households; S
Access to finance; Developing economies; Entrepreneurship; Financial literacy; SMEs; Uganda
Cognitive capacity; Consumer financial literacy; Decision-making proficiency; Financial education; Financial services marketing
Financial attitudes; Financial behavior; Financial literacy; Mexico; Savings; Teenagers
ormed citizenship. Over the past decade, the Australian Securities and Investments Commission has led various policy initiatives and influe
Financial literacy; Financial safety; Retirement planning
Financial attitude; Financial behavior; Financial knowledge; Financial literacy; Student teacher; Teacher education
Financial literacy; Human capital; Portfolio decisions; Saving for retirement; Stock market participation
financial literacy; pension plan participation; Retirement planning; trust
Behaviour and attitude; Financial inclusion; Financial knowledge and skills; Financial literacy; Functional components; Rural Ug
ncy, education, and financial literacy, and the actual racial wealth gap. The authors argue that the racial wealth gap is rooted in socioecon
Demographic characteristics; Egypt; Financial literacy; Financial risk tolerance; Moderated role; Personal finance
Demonetisation; Digital India; Digitalisation; Financial education; Financial inclusion; Financial literacy
Branchless banking; Culture; Financial inclusion; Financial literacy
Equity holding; Financial literacy; Investor behaviour; Risk avoidance; Stock market participation
Behaviour; Personal finance
Disposition effect; Financial literacy; Mutual fund investors; Risk attitude; Saving motives
udents and to evaluate the role of students' attitudes and motivations as mediators for the influence of family background. We focus on th
Aging; Cognitive ability; Financial literacy; Household finance; RRetirement
that the influence on financial health of an understanding of time perspective would be much greater than would that of financial literacy.
financial literacy; learner logistics manager,motivation
Consumer education; Disclosure of information; Financial education; Financial inclusion; Financial literacy; Legal obligation to d
Cognitive process dimension; Economics; Financial literacy; Programme for international student assessment
Data mining; Financial literacy; Flexible data summarization; Fuzzy logic; Quantified sentence of nat
Alanning; Descriptive; High school students; Knowledge; Personal financial literacy
Financial attitude; Financial inclusion; Financial literacy; Financial self-efficacy
Business sales turnover; Financial literacy customers; Online Car Rental Services
Children; Co-design; Financial literacy; ICT4D
Corporate websites; Disclosure information; Financial literacy; Online CCS guidance; Retirement savings and investments
Bounded rationality; Financial literacy; Mortgage choice; Mortgage crisis
Financial literacy; Real estate; Risk tolerance; Stock market participation puzzle; Trust
" in a partnership whith public schools from the State of São Paulo. This object belongs to the EduCash Project: an in
Financial literacy; interdisciplinary connections; mathematics literacy
Financial capability; Financial literacy; Financial strains; Gender; Money attitude
Financial education; Financial literacy; Impact evaluation
Financial literacy; Financial planning for retirement; Financial professional experience; Personal beliefs; Young adults
And persuasion; Financial literacy; Intermediaries; Life insurance demand; Religiosity; Risk aversion
Emotional intelligence; Financial literacy; Financial risk taking; Locus of control; Risk aversion
Actual financial knowledge; Financial literacy; Perceived financial knowledge; Saving behaviour
ystem to examine participation in and contributions to the Thrift Saving Plan, the System's defined contribution (DC) plan. We link to adm
African entrepreneurs; Bankruptcy; Debt management; Financial literacy; Qualitative methodology; Support and advice
Financial knowledge; Financial literacy; Health insurance knowledge; Health insurance literacy
Financial literacy; Financial risk tolerance; Financial stability; Nonlinear; Proportional odds model
Financial literacy; Money management behaviour; Qualitative methods; Undergraduates
AKPK; Debt; Determining Factors; Young Muslims
Consumer commitment; Consumer education; Consumer perception; Consumer protection; Financial behavior; Financial litera
Financial literacy; Latvia; Macroeconomics; Personal budget; Youth
Consumer loans; Delinquency; Economic hardship; Financial distress; Financial literacy; Loan obligor
Financial Literacy; Game-Play; Money Management; Smart Money Programme
Decision making; Financial instruments; Financial literacy; Individual investment advisors
Attitude; Financial literacy; Financial planning intention; Mediation effect; Perceived behavioural control; Subjective norms
Bankruptcy process; Black and minority ethnic entrepreneurs; Financial decision making; Financial management; Pre-bankrupt
t-growing and competitive banking industry is being challenged by new regulations and ever-evolving customer needs. Based in Mumbai,
Discount points; Financial literacy; Household finance; Inattentiveness; Leverage; Mortgage decision making; Refinancing
Chilean pension funds industry; Commission paid; Financial services; Price knowledge; Pricing
Affordable Care Act; demand for insurance; health insurance; health policy
Credit management; Demographics; Financial behavior; Financial knowledge; Financial literacy; Financial management; Invest
Library in Centereach, New York. She coauthored Small Business and the Public Library (ALA Editions, 2011), and the forthcoming book Su
Financial education; Financial literacy; Individual saving behavior; Individual welfare; Neo-classical economic models. dual pers
Access to credit; Africa; Financial inclusion; Financial services; Mobile money
Financial behaviours; Financial decision-making; Financial environment; Financial hardship; Financial literacy; Low-income indi
Banking sector; Client mobility; Competition; Complaint; Consumer protection; Herfindahl-hirschman index; Spearman's corre
Business economists; Mon pelerin society; Neoliberal; Organized business; Post-war britain; Welfare state
Bankruptcy; Entrepreneurial learning; Experienced entrepreneurs; Financial literacy; Fresh start; Qualitative methodology
Attitudes; Intention; Life insurance; Perceived Behaviour Control; Subjective Norm
Debt literacy; Lending regulations; Market for personal loans; Personal loan companies; Public trust in lending entities
Economic socialization; Financial behaviour; Financial literacy; Social background; Vocational school
Equity investment; Equity investment awareness; Financial awareness; Financial literacy
Economic status; Microfinance; Self help groups; Women empowerment
Economic crisis; Economic/financial education; Financial literacy; Representations; Secondary school students
Banking industry; Financial advisory services; Gender; Saving motives
Advertisements and promotions to Muslims; Diffusion of innovation; Financial services; Islamic banking; Islamic financial servic
business development services; business training; cash flow tracking; financial diaries; financial liter
Access to finance; Bank credit rejection; Financial education; Gender; Self-confidence; SMEs
Islamic banking and finance; Islamic religiosity; Portfolio selection; Risk tolerance
cisgender women; HIV; microfinance; sex work; transgender women
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Emotional finance; Psychological well-being; Stress
Advanced financial literacy; Financial education; Financial literacy; Social media literacy; Social networks
ir programming ties in with the available personal finance literature. Consequently, this article intends to explore the interplay between th
consumer demographics; consumer vulnerability; consumer well-being; financial capability; financial literacy; generations; inte
Debt; Financial literacy; Money management
Debt burden; Financial literacy; Malay; Youth
19366612
Financial education; Financial literacy; Intimate partner violence; Low-income families; Program evaluation; Randomized contr
Financial literacy; Financial socialization; Money attitude; Parental norms; Wealth optimization
Child; Early learning; Financial knowledge; Financial literacy; Retirement; Saving
Down syndrome; Mobile learning; Mobile touch interface devices; Numeracy and financial literacy; Pe
Board of directors; Earnings management; Female directors; Gender
Emergency savings; Financial literacy; Personal finance
appreciative inquiry; counseling; financial coaching; financial literacy; money scripts
Financial literacy; Household finance; Personality
individual policy data. For traditional life insurance products, surrender behavior is typically explained by the interest rate and the emerge
Behavioral biases; Equity; Financial literacy; Investor; Risk
Financial literacy; Retirement savings; Savings decisions; Students
Behavioural economics; Estonia; financial education; financial literacy; PISA
Confidence; Financial advice; Financial literacy; Household finance
Financial behaviour; financial capability; financial education; financial literacy; U. S. National Financial Capability Study
austerity; British politics; financial literacy; gender; parental literacy

Financial advice; Financial literacy; Mortgage choice; Risk-taking
ASIC v Healey; Audit committee; Centro; Companies Act Section 174; Corporations Act Section 180; Duty of care; Financial Rep
familiarity; financial literacy; Risk
ncial knowledge. Exploiting the exogenous variability induced by the presence of a consortium of banks in Italy (
Commercial banks; Financial inclusion; Financial literacy; Pradhan Mantri Jan Dhan Yojana
tes in England and New Zealand. It works from a conceptual model that predicts that attitudes will be partly determined by a range of soc
Higher education; learning economics; pretest-posttest measurement; students in Germany; Test of Economic Literacy
Chinese migrant workers; financial behaviors; financial knowledge; financial literacy
Asset building; banking habits; East Lost Angeles; financial literacy; financial services; immigrant;
Education; Financial literacy; Logit; Non-monetary effects; Pension plans
financial literacy; foreclosure; mattering; mortgage default; recession
Corporate managers; Investors; Share repurchases; Survey
curricular changes; economics; psychology training
Financial behaviour; Financial literacy; India; Kerala; Self-reported financial literacy
Adolescence; Financial literacy; Gender; Stereotypes
Deliberation; Downside risk; Financial literacy; Financial risk; Numeracy; Percentages
consumer loans; Household; informal loans; Russia
s. In this paper, we study the effects of exposure to financial training on debt outcomes in early adulthood among a large and representati
ojects from different mathematics courses is presented. In an Honors Mathematics and Social Justice seminar, where the focus was on fair
Financial literacy; Financial risk taking; Gender; Household finance; Risk tolerance
ct of financial literacy training on financial knowledge and behaviour. The training increased financial literacy of
Ecological predictors; Foster care; Independent Living Program
Cluster analysis; Consumer attitudes; Consumer behaviour; Financial services; Women
Couples therapy; financial literacy; financial management; marital disputes; solution-focused
ents, particularly low-income and first-generation college students, do not have a solid understanding of managing personal finances. This
Financial education; financial learning assessment; financial literacy; heuristics; teaching methodologies
obs that will allow them to repay that debt comprise a topic of great interest in the current higher education policy environment. A key ac
ial and educational viewpoint. Financial literacy is one of the key topics of today’s word which is based on market-oriented economy. A re
Financial literacy; Financial literacy strategy; Logistic binary regression; Personal finance; Socio-demographic characteristics
Financial attitude; Financial knowledge. JEL Classification: D14; D91; Financial literacy; School youth in Mexico
Financial literacy; Patient activation; Patient engagement; Patient financial responsibility; Shared de
Experiment; Financial literacy; Investment; Overconfidence; Risk preferences; Social preferences
Economic Security; Financial Literacy; Financial Resources; Financial Stability; Investment Decisions
African American; Children; Fatherhood; Intervention; Non-resident fathers
Bangladesh; gender; index insurance; risk preference

Financial education; Financial literacy; Strategies and Malaysia
Financial literacy; Parents; Research through design; Speed dating; Teens; User enactments
Cognitive abilities; Financial literacy measurement; Information; Subjective expectations; Survey design
Canadian plays young audiences; Character education; Curriculum connections; Equitythemed plays; Financial literacy for child
Financial literacy; Impulsivity; Personal finance
China; curriculum study; enacted curriculum; financial literacy; Germany; India; Pre-vocational education; USA
Entrepreneurship education; Mexico; poverty
2200; D03; D14; Financial self-efficacy; Personal finance
Economic literacy; equity; perceptions; regulatory costs; uncertainty
change; education; examination; results; technology
Financial literacy; Habitus; Historical tradition; Religious tradition; Stock market
Bank advertisement; Bank image; Financial culture; Goodwill; Loyalty; Social space; Trust
Adolescents; Economic and financial literacy
Age; Education; Financial inclusion; Financial literacy; Household; Ruralness
Children; Financial education; National strategy; Programme; Youth
e farmers in low income countries. Renewed policy and donor emphasis on bridging gender gaps in development a
Diffusion anisotropy; Diffusion tensor imaging; DTI; Financial literacy; Fractional anisotropy; White m
Economic education; financial education; precollege education
entrepreneurship training; financial literacy; impact evaluation; propensity score matching; youth
Compound interest; education intervention; experiment; visualization
defined contribution; Financial literacy; pensions; retirement planning
determinants of policy response; Partnership for long-term care insurance program; private long-ter
adaptation; economic knowledge; heterogeneity in higher education; Test of Economic Literacy
allow maintenance of financial stability with financial resources) in mitigating cost-related nonadherence (CR
Access to banking services; Determinants of financial inclusion; Financial inclusion; Financial inclusion policy; Rural banking; SH
Curriculum development; Economic literacy; Financial literacy; Gamification; ICT-enabled learning
Economic literacy in Germany; Federalism; Financial education; Teaching material and teacher training
ld of financial literacy. Split into six sections, it starts by presenting prevalent conceptions of financial literacy before covering financial lite
Swiss teacher training; Teachers' content knowledge; Teachers' education and training; Teachers' financial literacy; Teachers' p
Financial literacy; Financial literacy education; Financial literacy in South Africa; Financial stress; Household savings
Construct validity; Content areas; Financial literacy; Structural equation modelling

Elementary education; Financial literacy; Moral education; Social stewardship; Teacher education
Competence model for financial literacy; Economic education; Financial education; Financial literacy; Lehrplan 21; Plan d'étud
Design-based intervention approach; Financial literacy; Interactive learning journey
Content knowledge; Mathematics-based financial literacy matrix; Six mathematical tasks; Strategic knowledge; Teaching of pr
Accounting; Bookkeeping; Cognitive apprenticeship; Curriculum development; Double entry; Financial literacy teaching
Financial illiteracy; Financial literacy; Indonesia national strategy on financial literacy; Personal finance; Personal finance behav
Economy; Education; Finance; Learning process; Literacy; Rationality; Switzerland
Authentic financial literacy assessment; Competence measurement; Item construction; Situational judgment testing
Financial deepening and inclusion; Financial literacy; Financial literacy in Mexico; Mexico national education system; Savings in
Financial literacy; Learning study; Lesson study; Phenomenography; Variation theory
Council for Economic Education; Financial literacy; PISA; Standards
Financial capability; Financial education; Financial inclusion; Financial literacy; Financial vulnerability
Capitalism; Citizenship education; Consumerization; Critical theory; Financial literacy
Cognition; Dual models; Financial education; Financial literacy; Heuristics; Intuition; Metacognition
Economics education; Epistemology of financial incomprehensibility; Financial crisis; Limits to learning
Common core standards; Financial education; Financial literacy; US education system; US state standards
Argumentation; Curriculum; Financial literacy; Policy; Politics
Financial education; Financial literacy; Programme evaluation; Teacher training; Teachers' professional development
Education policy; Financial education; New Zealand
Financial education; Methods of computer support; Online calculators smart documents; Research; Spreadsheet; Teaching tra
Cognition; Decision-making; Financial literacy; Metacognition; Problem solving
Behavioural economics; Behavioural finance; Biases and heuristics; Economic education; Financial literacy; Homo economicus;
EU educational standards; Financial education; Financial literacy; Financial literacy in Romania; School-based curriculum in Rom
Assessment; Financial education; Financial fitness for life; Financial literacy; Gender gap; K-12
Attitude towards money; Financial knowledge; Money management; Young adults
Children; Economic citizenship; Financial capability; Financial education; Financial inclusion; Life skills; Youth
Decision-making; Financial education; Financial literacy; Social norms
Curriculum; Education; Financial capability; Policy discourse; Policy reform
Financial behaviour; Financial education; Financial empowerment; Netherlands
Austrian education system; Financial behaviour; Financial education; Financial knowledge; Gender gap
Compentency-based learning; Financial behaviour; Financial knowledge; Financial socialization
Competing models; Financial literacy; Structural equation modeling
Business education; Financial literacy; Millennial generation; Training model
Board independence; Board of directors; Family ownership; Financial literacy; Foreign directors; Foreign shareholdings; Multip
widening access to financial services and the increasing financial risks borne by households in many countries. This suggests that there wil
Economic education; Education production; Private enterprise
Economic education; Pedagogy
Ambiguity aversion; Financial literacy; Home-bias; Household finance; Household portfolio puzzles; Own-company stock puzzle
Bangladesh; Developing countries; Education; Education and finance; Social innovation
Economic crisis; Financial awareness; Financial education JEL; Financial knowledge
Expenses; Incomes; Risks of money laundering and terrorist financing
Behavioral economics; financial literacy; narrative therapy; stages of readiness for change
Behavioral economics; financial education; financial literacy; mindfulness; transtheoretical stages of readiness
D12; Financial dispute; Financial literacy; I22; I28
advocates; economic empowerment; intimate partner violence
Dynamic Panel Estimation; Economic Growth; Financial Development; Generalised Method of Moments; Remittance
Behavioral finance; Cognitive abilities; Financial literacy; G11, G14, G21; Retail derivatives; Retail investors
Capitalism; Economic justice; Financial literacy; Gender; Marxism; Privilege; Social class; Social justice; Social status; Virginia W
Consumer credit; Financial attitude; Financial behaviour; Financial distress; Financial knowledge; Ho
kills and knowledge necessary to make informed decisions and take responsibility for their own financial well-being. Faced with an array o
Financial inclusion; financial literacy; microfinance; social networks; social ties

not limited to the individual who makes poor financial decisions. Considering that college students with limited financial experience are m
the financial investment decisions they make as adults. A multimethod set of studies investigates how knowledge and risk interact to infor
Bolsa família program; Financial literacy; Low income; Women
Compulsive buying; Economic literacy; Financial literacy; Overspending; Pshychologycal problems
l literacy and a self-rating of overall financial literacy is used in this study. We find that the combined measure appears to provide greater
Engagement in banking; Financial literacy; Formal financial institutions; Households; Indonesia
Financial literacy; Mathematics; Middle grades; Problem solving
e. One result has been a proliferation in the volume of research undertaken into financial literacy by government, industry and communit
ween financial literacy levels and fraud victimisation. It has often been assumed that increasing financial literacy levels would also act as a
Financial literacy; Latvia; Measurement; Survey
ncial decision making process of households. Building upon earlier works, this paper examines whether basic financial literacy, in the abse
Financial literacy; Latvia; Multiple regression analysis; Survey
Financial capital availability; Financial literacy; Firm performance; SMEs; South Africa
Financial inclusion/exclusion; Financial literacy/education; Microfinance; Poor households; Social capital; Uganda
Domestic economic activity; Financial literacy; Neoliberal economics
Age groups; Financial behavior; Financial knowledge; Financial literacy
Confidence; Financial capability; Financial literacy; Tax literacy
Access to finance; financial literacy; Ghana; growth; SMEs
Financial literacy; Home loan; Housing finance systems; Interest rates; Mortgage delinquency; USA
Education; Experience; Financial literacy; Investment; Investment decision; Stock
anges in the job market pose significant challenges for Israelis, who today find themselves confronted with the need to carefully plan for f
Exploratory factor analysis; Islamic financial literacy; Validity
nancial inclusion and financial literacy. Financial inclusion focuses on supply aspects, that is, serving the unserved and/or the underserved
Financial literacy; Microfinance plus; Microfinance training
apacity in financial decision-making. Initial chapters provide an overview of the cognitive factors affecting financial decisions and suggest a
Consumer loans; Financial literacy; Payment card; Savings

Children; Financial literacy; Involvement; Saving money
Financial knowledge; Individual development account; Low-income youth; Present bias; Self-selection
Financial inclusion; Financial literacy; Financial Products
Basic savings bank accounts; Business correspondents; Credit guarantee fund; Financial inclusion; Financial literacy; Payment b
Best practices in teaching business and economic journalism; Business journalism; Classroom techniques in teaching business
here husbands manage finances. However, women tend to outlive their husbands. I find that older women acquir
Consumer and aggregate expenditures; Consumers' financial culture; Consumers' financial literacy; Gini coefficient; RF GDP; Sa
Cross-cultural research; Cultural markers; Design patterns; Design philosophy; Design thinking; DUXU
ny households have considerable difficulty navigating their financial path. For example, the national savings rate in the United States has b
Assignments; Commission; Financial literacy; Financial repoding quality; Frequency of meetings
Financial capabilities; Financial education; Financial knowledge; Financial literacy
Access to information; Citizens’ rights; Education; Information literacy; Literacy
Budgeting; Financial education; Inflation; Interest rate; Knowledge on investment; Saving; Use of credit card
Financial Literacy; Investment Decision Making; Investment Experience; Risk Tolerance
bubbles; decision making; finance; neuroeconomics; stock market; trading biases
Client-adviser relationship; Financial advice context; Individual investment decisions; Risk tolerance
Financial information; Financial literacy; Information literacy; Italy; Public libraries
e in their lifetime. Under Israel’s pension marketing policy, a pension plan is generally chosen at a meeting with an insurance agent, who m
lications (Akinbami, 2011; Campbell et al, 2011). Calls for this type of research have grown louder in the wake of the global financial crisis
Credit cards; Financial education; Optimism
Financial advice; Financial literacy; Regulation
ncreased the obligation of individual investors to take responsibility for their own retirement planning. With this shift comes increasing ev
Financial inclusion; Financial planning; Hierarchy of needs; Waqf; Zakat
climate change; extension; productivity; profitability; whole-of-business
Below Poverty Line; Financial Inclusion; Financial Literacy; Pradhan Mantri Jandhan Yojana
ial decision-making. Yet, there is little evidence that education intended to improve financial decision-mak
Attention to social comparison information (ATSCI); Financial literacy campaigns; Negative social norm; Positive social norm; P
aging population; entitlement reform; pension reform; personal savings
Development planning and policy; Economic development; Financial economics; Financial inclusion; Financial untouchability; P
Equity market knowledge; Financial literacy; Logit model; Stock exchange
Emergency savings; Financial fragility; Homeownership; Housing tenure; Renters
Emotional asset allocations; Home pension bias; Pensions and financial literacy
Displaced Ideal Method; Financial inclusion; financial inclusion index; India; Measurement
Factor; Government sectors; Peninsular Malaysia; Retirement confidence; Women
Ghana; Maize farmers; Mobile money service; Probit regression
aging out; asset development; financial capability employment; foster care
nvenient sources of finance all over the world. In the last 30 years, enormous technological changes, such as the introduction of the ATM a
howing how economics can be successfully integrated into classrooms from kindergarten through higher education. Pre-service teachers,
Economic competences; Economic specialties; Students; Technique
Critical thinking; Financial literacy; Numeracy; Quantitative literacy; Quantitative reasoning
Banking services; Credit organization; Internet banking; Online payments; The banking computerized systems
Accessibility; ChartMaster; Educational tool; Inclusive design; Interactive stock market charts; Novice
Financial education; Financial forecasting; Knowledge discovery; Linked open data; Personalized r
Old age pensions; Retirement; Self-employed people
Banks; Behavioral economics; Financial institutions and services
Banking; Financial inclusion; Growth; Indonesia
dical he established, edited, published, and, for the most part, independently composed, to undertake an immanent critique of American
Development; Financial inclusion; Microfinance; Poverty alleviation; Social inclusion
Motivation; Online collaboration; Online cooperation; Out-class project; Team skills
401(k); Behavioral economics; Individual Retirement Account; Nudges; Retirement; Saving
Agriculture; Food insecurity; HIV; Intervention; Livelihoods; Microfinance
Education; Family background; Financial behavior; Financial literacy; Numeracy
Financial literacy; Gender; Numeracy; Risk attitudes; Stock market participation

Belief elicitation; Financial literacy; Statistical literacy
economics education; financial literacy; informal learning
Credit cards; Debt; Minimum payments; Time value of money
Accessibility; Financial literacy; Inclusive design; Multi-modal; Non-visual; Screen reader; Stock marke
Financial Literacy; Gap analysis; Online curriculum; Portugal; Project; Skills
Budget; business of libraries; financial literacy; library administration; staff development; workplace literacy
Discrete choice; Investment risk; Prospect theory; Risk preferences; Risk presentation
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cognition; education; literacy; mild cognitive impairment
market and in the growth of the Indian economy. It is considered to be a better opportunity where savings are collected from investors an
Diversification; Familiarity; Financial literacy; Individual investor; Tunisia
Financial capability; Financial education; Financial literacy; Financial well-being; Practitioner research
Consumer Interests annual conference. What I want to cover in this lecture is what I consider to be one of the most important topics for c
odifying the placement of key information in retirement savings statements can produce further improvements. We examined the extent
may differ from those of his or her customers. The aim of the present study was to explore the effect of the advice given by the agent, alon
Ageing; Financial literacy; Pensions; Reforms; Social investments
mprehensive resource, documented with key references and illustrated with real-life company examples for all types of commercial and n
Agency; Empowerment; Income generating activities; Microfinance; Power relation
ncreasing number of graduate theological students hold student loan debt that will follow them well into their postgraduation working liv
Financial literacy; Financial wellness; Medical students; Pakistan; Wellness wheel
as the efficient management and use of different financial products and services, is impossible without basic knowledge and skills and an a
Defense mechanisms; Emotional İntelligence; Financial literacy; Investment decision; Personality traits
meracy (also known internationally by other terms such as mathematical literacy), and the teaching, learning and assessment practices asso
ceptualizing financial literacy. Differentiating between notions of financial worth and personal self-worth, the authors present a descriptio
Behavior; Cognitive mapping; Failure; Individual investor
Financial capability; Financial exclusion; Financial inclusion; Financial literacy; Student credit card debt; Student debt
Age difference; Financial behavior; Financial capability; Financial literacy
nd finance. This leads to inefficient financial decisions, avoidable losses, and unnecessary anxiety. A big part of t
Finance; Qualitative research; Recommender systems
Financial literacy; Genders; Multi-group invariance; Structural equations modeling
Best practices; Comprehensive review; Financial education; Financial literacy; Youth

Economic security; Elderly Asian immigrants; Financial access; Financial literacy; Material hardship
n the United States, with the problem only being enhanced by low levels of financial literacy among the general population. Failure to pro
Behavioral biases; Demand for financial advice; Financial literacy; Household finance
to find out way how to help people in orientation at financial markets and in area of personal finances. Goal of the c
Economic education; Financial decision-making; Financial literacy
Financial capability; Financial literacy; Financial management competency; Financial stress; Self-esteem; Users of community w
Behavior change; Behavioral economics; Financial literacy; Personal finance; Persuasive technology;
ntemporary society has significant implications. Older women are at risk of poor health, social, and economic outcome
business reference; core competencies; financial literacy

nce in financial literacy among Hong Kong workers; and if such a difference exists, whether it can be explained by gender differences in soc
financial decision making; financial literacy; numeracy
Emerging economies; Financial literacy; Foreign currency loans; Household borrowing
debt; financial education; financial literacy; industrial revolution; social media
Asymmetry; Earnings forecast revisions; Stock returns; The global settlement
Despair; Finance; Globalization; Gross flows and nodes; Time and space
Consumer behavior; Financial education; Financial literacy; Household finance
Financial literacy; precautionary saving; Retirement planning; Risk diversification
Financial Education; Financial Knowledge; Financial Literacy; Personal Finance; Socio-economic Factors
-esteem, financial capability and financial Well-Being of young employees, to explore the differences in financial well-being based on dem
d practiced from an early age. This has led to the development of programs that combine financial education with social, citizenship, and c
Credit counseling; financial advice; financial literacy; household finance
Association; Financial literacy; Money management
Croatia; Financial education; Financial literacy
Financial literacy; portfolio choice; saving
financial literacy; investment decision; regression analysis
financial education; financial literacy; information literacy; literature review; multiliteracies
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Consumers; Decision making; Financial literacy education; Personal debt; Savings
Correlation; Factor; Financial literacy; Financial services; Households
financial literacy; information acquisition; stockholding puzzle
citizenship education; curriculum policy; economics education; financial literacy
Contextual dimensions of financial literacy; Financial dimensions of financial literacy; Financial literacy dimensions; Participatio
ween novice nonprofessional investors' financial literacy and their trust in financial markets and individuals who operate those markets. W
D80; Financial advice; Financial literacy; G11; G24; Household finance
Education; Financial literacy; Migrants
Financial literacy; Individuals; Savings
economics; education; financial literacy; Tunisia; young
demographic characteristics; financial literacy; parental income; SAT scores
Financial literacy; Low- to moderate-income; Perceived financial knowledge; Saving behavior
Ageing; cognitive ability; dementia; financial decision-making; financial literacy; retirement savings
Economic education; Economic literacy; Introductory economics; South Africa; Test of understanding college economics; TUCE
Brunei; Financial literacy; Poverty; Welfare policy; Welfare recipient; Well-being
Education; Family; Financial literacy; Gender; Home
Financial attitude; Financial behavior; Financial knowledge; Financial literacy; India; Youth
Financial literacy; Personal finance
nts who at some point in their career will encounter financially-excluded clients. Financial literacy content can
financial literacy; individualism; neoliberalism; poverty; social work
academic libraries; collaboration; financial literacy
financial literacy resources; financial literacy resources for adults and children; libraries and financial literacy; online governme
Economic awareness; Economic literacy; Primary school programs; Prospective teachers

Demographic variables.; Financial literacy; Forecasting models; Socioeconomic variables
educational programs; Financial literacy; money management; nonprofit organizations; program evaluation
Financial capability; Financial literacy; Financial strain; Financial well-being; Money attitude
academic library; financial education; financial literacy; peer education; peer-to-peer
ers alike. Portfolio underdiversification ranks among those mistakes that are potentially most costly. However, its roots and empirical impo
Consumer behavior; Economic literacy; Social economic conditions
advertising strategy; financial literacy; gender; informational advertisement; mutual funds; transformational advertising
attachment style; coproduction; financial counseling; financial literacy; financial stress; involvement; self-determination theory
Financial concept; Financial literacy; Investment decision; Lower middle income; Minimum standard wage (UMR)
E21; G11
Financial education; Inclusion; Measures; Stability
reasing responsibility on individuals' side in building an efficient portfolio for retirement. In this paper, we provide a model describing wor
Aging, financial literacy; Behavior and behavioral decision making; Economics; Finance; Microecono
annuities; financial literacy; pensions; Retirement saving
Financial literacy; Gender; Higher education; Personal finance; Student debt
9696989
espite robust evidence illustrating the key role of parents in this process, parental involvement in financial education programs is not well-
Curricular transposition; Economics education; Elementary school; Gatekeeping; Preservice teachers
s classes, where one treatment was Financial Fitness for Life® (FFFL)-intensive and the other was "stock market learning" (SML)-intensive.
Coordination of actions; Financial education; Financial literacy; National strategy on financial education
economic citizenship; financial capability; financial literacy education; mass investment culture; neoliberalism; resilience
Behavioral economics; credit card debt; financial literacy; financial therapy
if learning basic fundamentals of cash flow capitalization affects time preference. The findings indicate that this knowledge does dramatica
Applicant finances; Applicants; Financial education; Financial literacy; Pets; Student debt
by expanding their suite of financial services, participating in a credit bureau, and providing portability of accounts, greater flexibility in op
economic literacy; freshman economics; prior learning
Educational systems; Financial literacy; Institutional factors; Multilevel; OECD; PISA 2012
on and economic evaluation of cost-effective alternatives that serve to make the best choice, by applying the
business skills; financial literacy; productivity; real production costs
nancial education interventions that focuses on financial education studies designed to strengthen the financial kn
Behavioral Finance; Economic Liberty; Financial Literacy; Personal Finance; Teachable Opportunities
Challenges; Company; Financial viability assessment; Learning; Management
Epstein-Zin; financial literacy; Hyperbolic discounting; portfolio choice
Financial literacy; Personal budget; Time value of money
Educational process; Financial and economic literacy; Integration; VE (vocational education) institutions
es. The story takes many forms: woeful student test scores, a housing foreclosure crisis, skyrocketing credit card debt, bankruptcy reform,
Financial planning; Partial least squares; Personal finance; Satisfaction
Managing private finances; Personal accounting; Private budget; Private finances; System of family budgeting
more residential mortgage borrowers reported personal assets just above round number thresholds than just below. Borrowers who repor
Contingency; Debt; Finances; Insolvency; personal economic security; Russian Federation; Transition
avior in a financially incentivized investment experiment. The survey is found to be informative in the sense that the beliefs reported by th
Delphi study; First-generation college students; Personal finance
Chilean Multi-fund System; Financial Literacy; Keywords DC Pension Plans; Portfolio Choice; Retirement
Financial Communication; Financial Uncertainty; Romantic Partners; Uncertainty Management
Cognitive load theory; Economic education; Literature; Pedagogy; Poetry
Consumer behavior; Consumer socialization; Ethnography; Parental influence; Preschool children; Pro-social consumption; Qu
Consumer policy; Institutions; Low-income households; Poverty; Saving behavior; Survey of consumer finances
Asset building; Child development accounts; College savings; Financial access; Financial capability; Financial literacy; Wealth
ciations between economic well-being and independent living experiences in foster youth. Quantitative data were collec
Banks; Capital ratio; Crisis; Demand for liquidity; Deposits; Financial institutions; Financial literacy; Financial literacy; Investors'
Behavior change; Financial literacy; Persuasive technology; Retirement saving; Social comparison
erannuation Guarantee has been regarded as the backbone of Australia's retirement policy scheme and a primary driver of economic grow
country-level factors; Cross-national research; EU-SILC; multilevel analysis; over-indebtedness
economic reasoning; path analysis; TUCE-4
Domestic workers; Finance; Labour migration; Migrant workers; Taiwan; Vietnam
assets; behaviour change; Kenya; transitions to adulthood; young women
Australia; Cognitive metaphor; Greece; Interviews; Linguistics; Metaphor; Money
experiential learning; four pillars of economic security; three-legged stool; tripod of retirement inco
ers get into financial difficulties and have to make hard choices on which monthly bills to pay and which to ignore. Little known to many ho
ers get into financial difficulties and have to make hard choices on which monthly bills to pay and which to ignore. Little known to many ho
citizenship; family; financial literacy; predatory lending; US military
ESG investing; Institutional investing; Members; Pension funds; Responsible investing; Superannuation
Adoption; Behavioural intention; Mobile money; Susu savings; Technology uptake
Classroom dialogue; Domain-specific prior knowledge; Situational uncertainty; Vocational schools
Cardiovascular disease risk; Consumer finance; Credit score; Human capital
ment and retirement literature with respect to the increasing complexity of financial products and need to save for retirement. Studies gen
Business education; Financial literacy; International students; Service learning
Financial literacy; Monte carlo method; Retirement planning

ernance mechanisms. Transparency and disclosure is one of the most important aspects of corporate governance which becomes more im
Asset allocation; Financial advice; G11, E2, D8, D12; Household finance; KiwiSaver; New Zealand; Portfolio choice
Consumer credit; Financial literacy; Self-control
Defined contribution plans; Financial literacy; Lifetime income disclosures
Canada; Employment; Focus group; Job safety; Occupational health; Odd jobs; Parents; Work hazard
Financial behavior; Financial capability; Financial knowledge; Financial literacy; Financial satisfaction
Financial literacy; Financial well-being; Impulse buying; Willingness for impulse buying
Financial literacy; Financial management; Retirement confidence; Saving behaviour; Working women
Developing countries; Microinsurance; Regulation
Behavioral economics; Financial literacy; Information asymmetry; Key investor information documents; Neuroeconomics
Encouragement design; Financial capability; Financial literacy; Low take-up
causality; financial experience; financial literacy; instrumental variable analysis
l decisions. We conducted a randomized evaluation with a bank in the Dominican Republic to compare the impact of two distinct program
communication studies; economics; governmentality; literacy; market populism; media; political economic literacy; political ec
Default option; Financial literacy; Opt-out choice; Procrastination
Consumption; Credit constraints; Financial literacy; Mortgage equity withdrawals

Design-based research; Development; Empowerment; Financial literacy; Guided participation
After-school programming; Randomized control trials; Teen pregnancy prevention
market and in the growth of the Indian economy. It is considered to be a better opportunity where savings are collected from investors an
Accounting education; Audit committees; Critical; Financial education; Financial literacy; Financialisation; New Literacy Studies
Australia; Financial literacy; Immigrants; Remittances; Transaction costs
the cost of sending them remains high in many migration corridors. Despite efforts to lower these costs by offe
debt; financial distress; job insecurity; personal finance
1 They save too little, they trade too frequently, they buy high and sell low, they invest in fad instruments they do not understand, and the
Africa; Customer protection; Ghana; Microfinance; Over-indebtedness; Sacrifices
Curriculum and assessment policy statement; Economics teachers; Pretest-posttest design; Training-of-Teachers initiative
Case study; Financial literacy; Malaysia; Spending management; Students behavior
Financial literacy; Inflation expectations; Laboratory experiment
Objective financial literacy; Overconfidence; Stock market participation; Subjective financial literacy
financial awareness; financial literacy; literacy; meaning-making; numeracy
Current literature; Financial literacy; Research opportunities; South Africa
Curriculum; Financial education; Financial fitness for life; Financial literacy; International comparison; Translation bias
ship between financial literacy, conscientiousness, and asset accumulation among young adults. Findings indicate that both conscientious
Financial education; Financial literacy; High school; New Zealand; Risk tolerance
economic empowerment; financial literacy; intimate partner violence; poverty; welfare
10875549
Financial literacy; Structural equation model
Classical Test Theory; Measurement of financial literacy; The Rasch model
Cognition; Context; Decision making; Financial literacy; Information processing
Evaluation; Financial literacy; Latvia; Measurement; Survey
mand for banking services. The location of the problem as one of deficient demand is untenable. The conception of f inancial literacy, as re
ith special emphasis on the role of formal education, learning approaches, and parental influences. Financial
content standards; financial education; financial literacy; personal finance; precollege education
Financial literacy; Personal finance; Personal finance management; Young households

Aging; Financial literacy; Functional connectivity; Posterior cingulate; Ventromedial prefrontal cortex
1674943
Financial literacy education; Teaching financial literacy

Financial literacy; Financial service; Logistic regression; Money attitude
Economic literacy; Financial literacy; Indebtedness; Knowledge map; Money management
anchoring effect; consumer rationality; financial literacy; framing effect; overconfidence; time inconsistence preference
Alternative Mortgage Products; Financial Literacy; Mortgage Choice; Risk Aversion
Chinese university students; Financial capability; Financial education; Financial literacy; Gender difference
Behavioral economics; Causal effects; Consumer behavior; Design of experiments; Education systems; F
Access to formal credit; Development; Lending terms; Literacy; SMEs; Uganda

Disclosure; Discrete choice; Financial literacy; Risk preference
D14; D91; G11
demand for financial services/products; financial literacy index; financial markets development; financ
ore in the context of the present economic and financial crisis. In this work we develop a sound and novel empirical work, analysing the le
Design for behavioral change; financial literacy; user experience design for financial products
Financial knowledge; framing; gender differences; retirement security
ear panel, we measure the impact of the degree of households' financial literacy on the quota of housing investment in their portfolio, We
tudy to examine the effects of neighborhood characteristics on financial literacy. Controlling for individual characteristics, multivariate reg
financial literacy. We start with an overview of theoretical research, which casts financial knowledge as a form of investment in human ca
pted general education course. Currently, most engineering courses are not considered appropriate for the general edu
Behaviour; Credit; Education; Financial; Money; Youth
Borrowing; Credit cards; Financial literacy; Spending
Emergency savings; Financial knowledge; Financial literacy; Precautionary savings
customer choice criteria; financial literacy; retail banking

Calculation; Costs; Course; Financial literacy; Model
Credit cards; Financial behaviour; Financial literacy; Global findex database; Savings; V4 countries
ttle research on how this topic should be addressed in a key site of civic development-elementary and secondary schools. This commentar
Financial attitude; Financial behavior; Financial literacy; Personal financial wellness; Personal wellbeing
Derivatives; Financial crisis; Financial literacy; Financialization; Households; Labour; Risk
Economic education; Financial education; Initial teacher training
Defined benefit; Defined contribution; Financial literacy; Political risk; Public pensions; Retirement
Active ageing; Elder Consumers; Financial Literacy; Well-being
ing rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their ec
Czech Republic; Households; Personal finance
Financial concepts; Financial education; Financial products; Students
Financial literacy; Migration; Remittances
Hidden economy; Private finance; State
n Korea after the Asian financial crisis. We find that stock prices generally increase with audit committee appointments. In contrast, chaeb
Financial inclusion; Financial literacy; Policies for responsible financial inclusion; Promise of technology
Financial coaching; Financial counseling; Financial education; Financial planning
erns have a significant impact on their distress. Despite the complaint, many Marriage and Family Therapy (MFT) training programs do no
Audit Committee; Earnings management; Financial reporting; Multiple directorships; Nigeria
0 students from two schools were in the control group. Comparisons of the JA BizTown and control group were made in terms of increase
affect heuristic; affective attitudes; behavioural finance; risk and return expectations
Children's savings; Financial literacy and capability; Integrated projects; Resource limited community; Seed money
aging; baby boomers; financial advice; household saving; opt-out automation; retirement; social security
Consumer education; Design science research; Financial advisory services; Financial literacy
D14; G02; G2
Behavioral factors; Behavioral finance; Propensity to indebtedness
macromarketing; metaphors; micro enterprises; microcredit; microfinance institutions; subsistence markets

Chiropractic education; Economics; Student loans; Training support
Financial behaviour; Financial capability; Financial management; Financial planning
orkers at a large financial institution received a flyer containing information about the employer's 401(k) plan and the value of contributio
= financial decisions around the world. At the same time, several studies have shown that consumers worldwide have an insufficient know
cluster analysis; retirement expectations; retirement planning; structural inequalities in retirement
Demand; Enrolment; Insurance; Microinsurance; Participation; Take-up
Academic achievement; Early reading development; Propensity score
Affordable housing; Homeownership problems; Housing affordability; Housing schemes; Young household
Financial literacy; Indonesia.; Risk preference; Theory of planned behaviour; TPB
Assessment; Financial education; Financial fitness for life; Financial literacy
Financial behavior; Financial literacy; Financial socialization; Financial theory; Financial well-being; Socialization; Theory develo
Advice-taking; Delegation; Financial literacy; Heuristic; Non-expert; Trust
asset accumulation; housing cost burden; saving
Consumer education; Drivers; Economic literacy; Laypersons; Minimal economic knowledge
Brazil; Compulsive buying; Credit card usage; Money attitudes; Young consumers
Financial shocks; Low-income households; LSM 1-5; Vulnerable; Zimele - MI Product
Financial literacy; Learning via narratives and videos; Retirement planning
Curriculum; Economic formation; Education; Initial teacher training; Social responsibility
ocredit programmes-which offer small loans, financial literacy and social support to low-income individuals-are incr
Financial literacy; Financial Security; Financial wellness; Medical students; Pakistan; Wellness wheel
Financial education; Financial literacy; Pre-service teacher training
of relatively recent immigrant populations in southern Minnesota. Telephone and face-to-face interviews were conducted with participan
Behavioural; Design education; Finance; Financial literacy; Metaphor; Narrative visualization; Visual metaphor
Advisory Service; Credence Goods; Financial Consumer; Financial Literacy; Information Asymmetry; Prisoner's Dilemma
Bad bank; Banking crisis; Communication to the citizens; Financial culture; Systemic risk
capability approach; community development; financial inclusion; financial institutions; low-income households
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Financial literacy; Health resilience; Social exclusion; Social inclusion; Social support; Urban-dwelling
Alternative financial institutions; Asset building; Community benefits; Community development credit unions; Community dev
Financial behaviour; Financial literacy; Multinational study

community-based education; culturally responsive pedagogy; financial literacy; teacher beliefs
Business growth; Entrepreneurship; Financial literacy; Micro and medium enterprises (SMMEs); Owner-manager; Small
Experiments; Financial literacy; Selection; Time preferences
Ethics; Finance; Financial literacy; Leadership; Service-learning; Social justice
Aging; Cohort study; Decision making; Internet; Older adults
Financial crisis; Financial inclusion; Financial literacy; Russia
libraries in increasing the financial literacy of their service population. A qualitative field study examines librarians' perceptions of the cha
annuities; financial literacy; italian pension system; retirement
Financial literacy; Planning; Time inconsistency
corporate governance; financial literacy; financial services; retirement planning; supervision; trust
education policy; financial capability; Financial education; financial literacy; financial responsibility
mmunities, current use of and attitudes towards debt, and debt pressures. Those surveyed exhibit low credit card usage and responsible p
Accountability; Board competence; New Public Management; Public sector; Water sector
Central and Eastern Europe; Financial literacy; Old-age income; PAYG; Private pensions; Transition economics
Australia; Financial literacy; Financial literacy programmes
13630539
Financial literacy; Fraud; Hot spots; Vulnerability
13630539
Credit card rewards; Financial literacy; Shrouded attributes
economics; international development studies; methodology; teaching
Economic literacy; Intermediate economic theory; Undergraduate teaching
Cognitive aging; Crystallized intelligence; Decision making; Fluid intelligence
Financial literacy; Health insurance decision making; Health insurance education; Health insurance literacy
Financial literacy; Retirement outcomes; Target date funds
Bankruptcy; Board financial literacy; Financial statement analysis; Form 990; Hull House; Not-for-profits; Zone of insolvency
vention aimed at reducing noncommunicable disease (NCD) risk behaviors. Methods. Two hundred male and female fa
Financial behaviour; Financial education; Financial literacy; Homemakers
Aging; Cognitive decline; Executive function; Literacy; Memory
dy. 2009) to examine the association between individuals' financial literacy and their high-cost borrowing decisions. The results indicate th
ieving economic development and socio-economic equality. Financial education can provide children with some of the additional knowled
Developing country; Ethical selling; Ethics; Financial services; Financial services marketing; Theory of planned behavior
Financial literacy; Human capital; Saving
behavior change; financial literacy; holistic approach; Latino/Hispanic; sociocultural

Financial literacy; Private pension; Riester; SAVE; Termination
Classroom economy; Classrooms; Education; Financial literacy; Participatory design
Consumer finance; Foreclosure; Limited rationality; Subprime loans
nagers and other managers in marketing-led businesses. Thus the book is not designed to train bookkeepers or to prepare the reader for a
Children; Finance; Financial relations; Financial system; Household family; Money; Money funds; Personal finance
Consumer credit; Debt portfolios; Financial literacy
banking; financial exclusion; financial literacy; poverty
ment and research, but no study to date has attempted to assess the financial knowledge possessed by social work students. This study ad
economic standards; high school economics; student testing

three issues: (a) financial literacy (FL) among Israeli college students, (b) gaps in FL between Jews and Arabs, and (c) factors affecting stud
financial and non-financial assets; financial literacy; Hong Kong Child Development Fund Pioneer Projects; intergenerational po
Consumer behavior; Energy efficiency; Financial literacy
financial literacy; household information; Pensions
tcomes, no consistent definition or empirically validated measures of financial literacy exist. While a handful of questions have become th
Behaviour; Cognition; Environment; Financial literacy
business growth; business training; entrepreneurship; financial literacy
Attitudes to financial risk; Financial literacy; Low effort decision-making; Retirement investment
Banking supervision; Communication; Financial literacy; Household decision-making; Knowledge
Community-based rehabilitation; Criminal justice project; Principles of effective intervention; Reentry; Rehabilitation
Decision-making; Financial literacy; Investment; Portfolio
Economic conditions; Financial literacy; High school student; Knowledge; Self-evaluation
ARM; FRM; Household; Mortgage; Personal finance; Sweden
demand for money balances; financial education; financial literacy; randomized experiment
9603107
estment and economic growth. It is also believed that migrants' remittances stimulate financial development in t
board practice and process; duty of care; fi nancial literacy; financial reporting failures; liability risks
Adjustable rate; Consumer behaviour; Interest rate risk; Italy; Mortgage choice; Mortgages; Residential property
Bequest; Life cycle; Life insurance demand; Precautionary; Saving motives; Wealth accumulation
al violence within their households. Most studies examining the risk and protective factors of marital violence have used crosssectional da
Financial literacy; Household saving; Malaysia; Probit regression; Saving behaviour
Buyer seller relations; Consumer behaviour; Financial advice; Financial advisor; Financial services; Lay consumer; Risk percepti
als and families strengthen their skills, better manage their personal finances, and make sound decisions about money. This article chronic
aging; demography; entitlements; financial literacy; sustainability
caregivers" for aging parents. Focus group interviews revealed how caregivers (N=22) assisted their parent(s) and financial information nee
Cash advances; Credit cards; Financial mistakes; Late fees; Over-limit fees; Penalty fees
dia's adults financially excluded, however, promoting financial literacy requires serious attention. We present Bank
the fall semester of 2010 at a land grant research university in the Midwest. A survey instrument, which includes 43 items that measure c
r things. It is assumed that addressing poverty issues through financial literacy will bring growth to a country's economy. The informal sect
Attitudes and behaviour; Bankruptcy; Black and minority ethnic; Debt; Financial literacy
economic mobility; income distribution; inequality; intragenerational mobility; public policy
gical and social variables associated with financial literacy. The HRS is a nationally representative longitudinal surve
sion and University of Wisconsin Cooperative Extension to assist professionals as they plan financial education for participants. In today's c
Bankruptcy policy reforms; Consumer behavior; Credit; Debt regulation; Emotion; Experimental psychology; Financial literacy
ially for young people. In this article, the authors compare the financial literacy of high school students in Hamilton, New Zealand, with sam
Economic empowerment; Financial literacy; Intimate partner violence
curriculum; financial literacy; policy; politics
household finance; personal finance
Boiler rooms; Financial literacy; Fraud prevention; Social engineering
Business environment; Entrepreneurship; Financial literacy; Intrapreneruship; Support programmes of entrepreneurship and fi
Experiential learning; Financial capability; Financial literacy; Financial literacy education; Indigenous
Economic competences; Financial market participation; Inequality
Financial behaviour; Financial literacy; Financial management
mn to highlight the student's perspective of why librarians should be involved in financial education. Adi is a recent graduate of Loyola Univ
business education; cognitive rubric; digital intelligence; economic literacy; environmental scanning; knowledge economy; ma
ease the financial literacy of students at secondary schools and universities. The aim is to learn the terminolo
volves the “ability and confidence to effectively apply or use knowledge related to personal finance concepts and products." Investor know
Consumer financial regulation; Debt decision; Financial literacy; Financial mistakes; Household finance; Portfolio allocation
h national and international level. The importance of addressing the financial literacy of women and girls as a way to improve their financi
Bad bank; Banking crisis; Communication to the citizens; Financial culture; Systemic risk
in corporate offices by corporate attorneys, and in accounting firms, have led to the passage of massive Congressional enactments in the U
Evaluation; Financial behavior; Financial knowledge; Financial literacy; Social construction; Teen finances
mportance. This study explores differences in characteristics of individuals who have well-articulated retirement plans and those who do n
discipline and its participants. Traditional scholarship has now evolved into eScholarship with emerging technologie
ented effectively to provide financial service innovations to the poor who live in developing countries, a market c
Childhood consumer experiences; Financial attitude; Financial behaviour; Financial literacy; Financial satisfaction; Financial str
ns of sustainability and intergenerational responsibility. Linking financial literacy standards to important sustainability issues like the Brunt
ased political attention worldwide as an important policy solution to achieve a variety of ends. Cloaked in the neoliberal language of value
tic training that assists citizens as well as consumers make responsible financial decisions. As a form of civic literacy education, financial lite
Financial literacy; Rasch analysis; Young adults
Financial literacy; Financial objectives; Investment avenues and investment decisions
Computer games; Computing education; Financial literacy; Game-based learning; Programming
Financial literacy; Indian caste system; Social interaction; Social networks
Board involvement; Board of directors; Corporate governance; Equity ownership; Financial distress; Financial literacy
Financial education; Financial socialization; Foreclosure; Loan performance; Low-income mortgages
Development; Financial literacy; Microfinance; Migrants; Remittances
Ecological systems; Financial behavior; Financial literacy; Savings; Youth
advisor; financial services; gender; overconfi dence; risk tolerance
n impact on Estonian students' financial circumstances and it is valuable to consider what curricular developments might realistically be in
Active management; Indian mutual fund industry; Mutual funds
Engineering; Finance; Financial education; Financial literacy; Holistic development; Technocrats
Environmental sustainability; Financial literacy; Homeownership; Private tenancies; Public tenancies; Social housing
exponential growth bias; financial literacy; household finance; survey data
biliteracy; border colonias; family literacy; financial literacy; religious literacy; US-Mexico border
Economic literacy; Globalization; Stolper-Samuelson
Decision making; Financial literacy; Health literacy
Behavioural economics; Decision-making environment; Ecological rationality; Financial literacy; Heuristics; Imperfect informati
lected detailed demographic and financial literacy data on over 1,500 workers nearing retirement at three large companies to assess how
bank regulation; corporate governance; derivatives; disclosure; efficient market hypothesis; equity market structure; equity pr
Consumer borrowing behaviour; Excessive borrowing; Financial literacy; Turkish financial consumers
Borrowing; Credit cards; Financial literacy; Interest rates; Mortgage loans
prevent millions of rural households in the developing world from making informed financial decisions. This articl
ograms in the private and public sectors, the field of financial literacy still has a major obstacle to overcome: the lack of a widely dissemina
Consumer bhaviour; Ecological; Financial literacy education; Interface design; Investments; Retirement
Consumer Credit Directive; Consumer credit law; Financial literacy; MiFID
Financial literacy course; General education curriculum; Liberal arts universities; Pedagogical design
Financial education programmes; Financial educators; Financial literacy; Transformative learning
financial literacy; financial sophistication; household finance; Survey of Consumer Finances
Consumer financial decisions; Financial literacy; Mortgages; Resource depletion
Budget counselling; Budgets; Financial management; International comparison
Financial education; Financial experiences; Financial literacy; Financial socialization agents; Money at
g American households, and reviews previous research that examines how improving financial literacy affects hous
Debt; Financial literacy; Fringe lender market; Interest rate caps; Intervention; Loan sharks; Micro-f
financial crisis; financial literacy; information literacy; pre-emerging markets; public libraries; South-Eastern Europe
decision support; financial literacy training

k of making poor financial decisions. Both in the United States and around the world, older individuals do not master financial concepts suc
e. Consequently, there is a growing body of literature explaining the antecedents and consequents of financial illiteracy. While most of the
defined contribution plans; financial literacy; Pension Protection Act; public pensions
antiretroviral therapy; Botswana; coverage; financing; healthcare system; HIV care; Mozambique; pol
Dementia; Financial literacy; Health literacy; Older adults
Eastern Africa; Gender; HIV; Intervention; Livelihoods; Prevention; Southern Africa
Economic distress; Empowerment; Financial literacy; Poverty
Consumer debt; Financial literacy; Self-control
Individual investors; Investment decisions; Investment risk perception; Perceived risk
Assessment; Asset Vulnerability; Curriculum Development; Economic Recessio; Economic Well-being; Older People
ong positive association between financial literacy and net worth, even after controlling for many determinants of
business librarianship; embedded librarianship; entrepreneurship; financial education; financial literacy; first year experience;
economic literacy; economics major; intermediate macroeconomic theory; intermediate microeconomic theory; principles of
attitudes; financial savvy; food insecurity; low-income; nutrition education
BET; economic understanding; translation bias
planations for the gender gap in financial literacy, including the role of marriage and who within a couple makes the financial decisions. Bli
nd quantified measures. Responses to financial literacy questions show large variation and compare poorly with som
battered women; domestic violence; economic abuse; intimate partner violence; self-sufficiency
Cognitive abilities; Cognitive reflection; Financial literacy; Individual differences; Intelligence
Financial literacy; Financialization; Organizational communication; Rhetoric

Age; Demographic characteristics; Education level; Ethnic; Financial literacy; Financial management; Gender; Income; Malaysia
cluding school students, should meet these current as well as future competence requirements relating to financial literacy. However, the
Europe; Financial Literacy; Retirement; Saving
to neoliberalism and the individualization of responsibility for economic risk. However, in Financial Literacy Education: Neoliberalism, the C
Annuities; Financial literacy; Household finance; Retirement policy
401(k); Behavioral finance; financial literacy; savings; trust
Financial literacy; Life insurance demand; Tax incentives
401(k) plans; Decision simulation; Defined contribution plans; Financial literacy; Information format; Investor knowledge
ty reintegration of veterans. To address this, we analyzed data from n = 1,388 Iraq and Afghanistan War Era Veter
Developing countries; Financing; Financing preference; Ghana; Micro enterprises; Pecking order theory; Small enterprises
am. This program provides students the opportunity to engage in projects that address international developme
Educational environment; Financial literacy; ICT
Education; Financial literacy; Financial market
Financial literacy; Loan marketing; Money management
Emerging markets; Field experiment; Financial decision making; Insurance
Family relationships; Financial attitudes; Financial literacy; Financial socialization; Socialization theory
Advice; Consumer financial protection; Disclosure; Financial literacy; Product regulation
Economic literacy; High school economics; Retention
us. This heterogeneity stems from diverse employment careers that are emerging in the workplace where job security is declining. Individ
rstood. We test leading theories of low demand for financial services in emerging markets, combining novel survey evidence from Indones
Financial education; Peer financial counseling
Credit knowledge; Credit score; Financial literacy; Underestimation
Document design; Financial literacy; Headings; Mortgage information; Readability; Split attention; Usability
Business development; Financial education; HIV
Advertising disclosure; Financial welfare; Readability; Regulation; Retirement mutual fund
Disability policy; Psychiatric disability; Recovery; Rehabilitation
Derivatives; Investors; Liquidity; New monetarism
Consumer education; e-learning; European educational project; financial education
Borrower behavior; Gender discrimination; Interest rates; Mortgage
Counseling; Credit; Education; Financial literacy; Nonprofit; Organizations; Public; Retirement
Annuitize; Annuity; Education; Financial literacy; Investment; Market; Retirement
Consumer behavior; Financial literacy; Financial literacy; Household finance
Chile; Education; Financial literacy; Income; Manager; Participants; Pension; Saving
Financial education; Government; Knowledge; Literacy; New Zealand; Private; Retirement
Behavior; Counseling; Financial decisionmaking; Financial education; Financial literacy; Retirement; Saving
Behavior; Education; Financial literacy; Illiteracy; Investment; Participation; Stock market
Balance; Borrowing; Income; Loans; Participants; Plan; Retirement; Saving; Wealth
Annuities; Annuity; Benefit; Distribution; Individuals; Planning; Plans; Retirement; Seminar; Workers
Education; Financial planning; Inflation; Interest; Knowledge; Literacy; Planning; Retirement
Countries; Financial education; Income; Literacy; Population; Program; Saving; World Bank
Behavior; Counseling; Financial decision-making; Financial education; Financial literacy; Retirement; Saving
financial capability; financial literacy; pensions; Retirement; saving
D10; Financial literacy; H55; H75; I22; pensions; planning
financial behaviour; Financial literacy; international comparison; measurement; OECD; questionnaire
children's banks; D12; D91; financial education; Financial literacy; H31; I21; retirement planning; savings promotion campaign
D91; Financial literacy; G11; G23; pensions; retirement planning; Russia
cross country analysis; Financial literacy; retirement planning
D91; Financial literacy; pension plan participation; retirement planning
D91; financial education; Financial literacy; Māori; New Zealand; Ngāi Tahu; retirement planning
D91; East Germany; financial education; Financial sophistication; life-cycle savings; retirement planning
active duty; military; payday loans; predatory lending; readiness
Consumption practices; Economic literacy; Psychological wellbeing
Annuitization; Annuity markets; Defined benefit; Defined contribution; Financial literacy; India; Longevity risk; Morbidity; Mort
College savings; Financial capability; Financial education; Financial services; Saving; Young children
Active management; Financial crises; Financial literacy; Skill; Welfare
Financial sophistication; Knowledge of economics and finance; Learning from peers; Portfolio choice; Risk diversification
Economics courses in school; Financial sophistication; Knowledge of finance and economics; Thinking about retirement
Behavioural control Singapore; Financial literacy; Intentions to teach; Theory of Planned Behaviour
Financial literacy; Financial management practice; Financial problems; Financial stress; Savings behavior
economics; education; empowerment; financial capability; financial literacy; sociology of knowledge
consumer education; financial literacy; personal finance; recessionary impact
Education level; Financial literacy; Personal financial planning
Financial literacy; learning effectiveness; motivation; object-oriented programming (OOP)
Debt; Finance; Financial literacy; Personality; Student
assessment; K-12; survey; TEL
mers for density forecasts across inflation outcomes. Consumers are willing and able to express uncertainty, showing high response rates
economic education; learning; Russia; students; teachers
al financial literacy to ensure that sound financial behaviors are the norm. Unfortunately, many individuals have limited knowledge regard
mers in financial services markets, viz., lack of financial literacy and sophistication, "behavioral biases," and the complexity of products. Th
cial realities of moving away from home. This 3-day camp program allows youth the opportunity to interview for a job, work, earn a paych
Financial education; Financial literacy; Life-cycle income; University students
D80; D91; Financial sophistication; retirement planning
Financial literacy training

Accounting information; Financial literacy; Information asymmetry; Openness to experience; Short-term investment
Credit; Economic psychology; Financial literacy; Materialism; Transformation expectations
College students; Financial education; Financial literacy
to courses required for early childhood, elementary education, and middle level candidates. The authors of this manuscript explore the re
Chronic illness; Financial education; On-line education; Rural women
Economics; Podcasting; Technological pedagogical content knowledge; Technology integration; TPACK
first generation college-bound students, governments, educational institutions and foundations, philanthropies, service organizations, and
university. Comparisons are made in terms of the students overall knowledge of personal finance matters and their knowledge in selected
an. A cross country comparative analysis of the levels of financial literacy was conducted using descriptive statistics, correlation analysis, a
Defined contribution plans; Financial literacy; Retirement plan design
Community coalition; Financial literacy; IRS; Taxes; Undergraduate and graduate education
Children; Financial literacy; Monetary decision making
Intention; Knowledge; Planning; Risk tolerance; Savings
Citizenship education; Economic literacy; Economic sustainability; Education for sustainable development; Environmental sust
icators of economic literacy with a large set of macroeconomic and institutional variables. Results show that th
Europe; Financial literacy; Retirement savings

Financial literacy; Financial stress; Poverty; Student perceptions
African-American wealth; Community development; Emerging domestic markets; Financial literacy; Financial regulation; Hous
Family resource management theory; Financial attitudes; Financial behavior; Financial literacy; Financial socialization; Parenta
Financial education; Financial literacy; Retirement; Retirement planning; Social security
economics majors; Japan; secondary school curriculum; social studies
Annuity; Asset; Defined benefit; Defined contribution; Financial literacy; Pension; Replacement rate; Retirement policy; Retire
Fiduciary responsibilities; Financial security; Pension protection act; Planning; Retirement advice
Financial literacy; Low income; Unbanked
financial literacy; Germany; pension reform; retirement savings
Financial services; Graduates; Personal finance; United States of America
Accountants; Australia; Financial information; Financial reporting; Small enterprises
cial education and explain variation in financial outcomes. Defining and appropriately measuring financial literacy is essential to understan
acy. The scope of the content spans conceptualization and measurement as well as factors influencing financial literacy and its impact. Thi
resources. The complex intermingling of economic policies with perceived need for improved financial literacy are touched on. Organizati
y of individuals to make financial decisions. Some studies suggest that financial experience can affect financial knowledge and that househ
resources. The complex intermingling of economic policies with perceived need for improved financial literacy are touched on. Organizati
10572317
National Longitudinal Survey of Youth. We showed that financial literacy is low; fewer than one-third of young adults possess basic knowl
Childhood consumer experience; Financial literacy; Malaysian college students
ntury. Scholars, policy officials, financial experts and consumer advocates have used the phrase loosely to describe the knowledge, skills, c
Financial literacy; Personal finance; Service-learning
conomic success may depend on their ability to forecast the rate of inflation. Higher inflation expectations have been reported by individu
Acculturation; Culture; Generational gap; Hmong immigrant families
Financial education; Financial literacy; Financial skills; Money management; Personal finance; Teens
Cost; Financing alternative long-term care; Risk
unds effectively. Consumers then turn to high interest rate-bearing cards, inflate their own personal debt levels
Applied finance; Behavioral finance; Empirical finance; European financial markets
Banking knowledge; Financial future; Information and behaviour; Rewards and risks
Asset-based welfare; House price Keynesianism; Investor subjects; New Labour; UK house price colla
cepts than they actually do, and that there is often a discrepancy between their knowledge of financial concepts and their ability to apply t
each allocate $10,000 across four S&P 500 index funds and are rewarded for their portfolio's subsequent return. Subjects overwhelmingly
Credit cards; Debt; Financial literacy; High school; JumpS$tart Coalition
Entrepreneurialism; Literacy; South Africa; Youth
Childcare; Family well-being; Financial literacy; Working parents
hted the need to reconsider the scope and nature of financial literacy initiatives and programs. In this article, we argue the case for rethin
Financial literacy; Learning study; Phenomenography; Student learning; Variation theory
roducts, services, and providers to choose from to meet their financial needs. While this degree of choice provides consumers with a great
Farm households; Farmers; Financial literacy; Investing; Retirement planning
Educational leadership; Globalization; Glocalization; Leadership literacy; Leadership preparation
<span style="font-variant: small-caps">uk</span> and French law; consumer credit; economic policy; history of rate ceilings; i
Financial literacy; New labour; Pensions; Saving
Engineering curriculum; Engineering education; Engineering reform; Market-based engineering; Reen
hose with low incomes and few assets actually work out in the long-run has not yet been answered. The current study is the first to scrutin
Basic banking; Credit constraint; Financial exclusion; Survey of Financial Security; Unbanked
tices associated with mobile technology use. However, the popularity of mobile technologies among Australian teenagers presents a challe
Credit counseling; Financial credit; Low-income families; Social work
economic instruction in their senior year of high school. Our sample was drawn from seven high schools in two large school districts in Ora
Financial information; Investments; Investors; Literacy; United Arab Emirates
Business-education partnerships; Corporatization of education; Enterprise education; Free market education; Globalization an
Australia; Debts; Financial services; Investments; Personal finance; Property finance

s and those in other settings could learn from the development, utilisation and verification of a financial litera
Ageing; Elderly work; Pension reforms; Retirement choices
Diversity; Financial literacy; Learning processes; Markets
and profits in personal finance Understanding the Mathematics of Personal Finance explains how mathematics, a simple calculator, and ba
Behavioural economics; Financial literacy; Gender; Gender gap; Global finance; Inequalities; Occupational pensions; Pensions;
Equity markets; Global finance; Local bias; Proximity; Risk management
Buyer behaviour; Independent fi nancial advisors; Pension purchase decision
Audit committees; Corporate governance; Financial management; Malaysia
Asset-based welfare; Child Trust Fund; Financial literacy; Financialisation
Business environment; Computer based learning; Graduates; Learning; Teaching
Economic education; Economic literacy; Fact-based learning; Income literacy; Taxation literacy
c outcomes. We reveal large, systematic overestimation of inflation by Irish consumers, which varies by social g
of compelling financial education curricula in urban schools that serve financially vulnerable working-class students. Part of a design-base
d capacity building. With a global commitment to sustainable business through financial inclusion, HSBC partners with microfinance institu
Background risk; Credit constraints; Financial literacy; Household portfolios; Risky asset holdings
ger size are less prone to making financial mistakes than other households. These results have motivated the construction of a single index
Cognitive psychology; Financial decision making; Marketing
Financial literacy; Indigenous australians; Retirement savings
Financial education; Financial literacy; Financial research priorities
Financial literacy; Financial management; High school students; Personal financial management course
ealth literacy. Yet if employers truly want their employees to take action based on that literacy, then employer
nancial crisis. He provided a detailed explanation of how “stability is destabilizing,” that is, how a period of enduring economic prosperity c
Financial literacy education; Personal finance; Teacher readiness
Financial literacy; Personal finance; Review of literature; Youth financial education
Curriculum; Elective; Personal finance; Professional development
ue and interesting essays covering many of the subjects that are currently being examined in academic journals of this genre. Divided into
f reforms that are often referred to as "New Public Management." These changes, which are transnational even if they are not yet global,
Ms) to model financial literacy of youth in the Australian society with respect to their financial knowledge of Credit
ue in how researchers measure financial literacy. Previous studies have failed to allow for the difference between respondents knowing th
been used to measure the financial literacy of young American adults. The results show a low level of ability to make age-appropriate fina
ess in the college principles class is mixed. This study reviews the results of earlier studies and investigates the impact of previous training
ed at improving Americans' financial literacy as well as a review of the current program evaluation evidence demonstrating the impact of
Financial literacy; Foreclosure; Homeownership; Housing; Low-income; Women
ors such as demographics, languages, income levels, culture, age, and sex. This paper proposes a new model bas
Business enterprise; Careers; Employment; Graduates; United Kingdom; Universities
nd investment products is disclosure and unfettered choice. As these products have become more complex, consumers ' inability to unders
by addressing the question whether the social work profession could contribute to the financial literacy education
Consumer advice; Consumer education; Financial literacy; Retirement; Saving
ometimes provided a weak link to services, without perceiving or addressing the factors which make adolescent girls particularly vulnerabl
13552074
whether access to information and communications technologies, combined with financial literacy training and training on how to use the
a subject or problem who collaborate over time to share Ideas and develop Innovations. This article describes the mission, history, and de
Household savings; Matched savings; Panel data
Consumer knowledge; Private pensions; Retirement income; Superannuation
Economic literacy; Poverty; Social work; South Africa

exemplary instance of 'asset-based welfare', of the redistribution of wealth rather than simply income. However, thi
Contingent valuation; Financial education; Financial literacy
defined contributions; employee assistance; human resource management; retirement planning; workplace financial literacy
Corporate governance; Credit union; Expertise; Financial literacy; Independence; Supervisory committee; Trinidad and Tobago
Credit score; Financial literacy; Mortgage
Australia; Chronic debt; Consumer credit; Consumer debt
Adults; Psychological testing; Psychology and economy
Better than average effect; Experience; Financial education; Financial literacy; Learning; Overconfidence; Perceived returns; Po
Angola; Budget process; Civil society; Public finance; Public reform; Transparency
n in Scotland, the Scottish government has provided some documents to support and consolidate good practice and provide frameworks f
Cultural economy; Democratization of finance; Financial literacy; Financialization
Children; Financial capability; Financial education; Financial literacy; Savings; Youth
Baby boom; Financial literacy; Health and retirement study; Healthcare; Housing equity; Pensions; Retiree income; Retirement
Domestic violence; Economic education; Financial well-being
s U.S. businesses increasingly adopt defined-contribution pension plans and emphasize individual responsibility and choice, what is the im
out whether or not Americans are prepared to handle their finances as personal debt and bankruptcies grow. While some educators belie
College students; Financial literacy; Household savings; Personal finance
e consumer financial literacy. This paper investigates the development of policy pursuant to such mandates in the UK and Canada to identi
ducation work to date has focused on managing money, yet the survey described here shows that this is the area where levels of capability
ancial literacy. The financial literacy modelling problem under consideration attempts to measure the literacy of
Audit committee; Financial literacy; NASDAQ listing requirements; NYSE listing requirements; PCAOB certifications; Sarbanes-
Consumers; Economics; Finance; Literacy; Mortgage; Risk
on the agenda of educators, community groups, businesses, government agencies, organizations, and policy makers. It seems that nearly
Cohorts; Housing wealth; Lack of planning; Literacy; Wealth holdings
Civilian military spouses; Financial help-seeking; Military finances
Accounting; Budgeting; Cash flow; Debt leverage; Entrepreneurship; Financial decision-making; Finan
Economic education; Economic literacy; Economic socialization
Engineering economy; Engineering education
United States to Guatemala. In contrast to other remittance corridors in the world, most transfers in this corridor
Economic development; Globalisation; Indigenous people; Transaction cognition theory
cy? While there is debate on whether courses in the principles of economics as taught at colleges and universities improve general econom
Advanced placement; Concurrent enrollment programs; Economic literacy
Financial literacy; Owner-managers; Small firms
his study explored factors hypothesized to be causes and effects of credit-card debt in 448 students on five college campuses. Students re
Consumer perceptions and expectations; DNB Household Survey; Economic literacy
Financial behavior; Financial knowledge; Financial literacy

Basic concepts; Economic literacy; Economics; Pre-college education
Banking; Customer loyalty; Customer relations; Latvia; Technology led strategy
uth are engaged during out-of-school time. There are clear benefits to extending the learning that goes on during
h severe mental illness coupled with their overrepresentation on the public disability rolls. This situation is e
ducation, educators, employers, parents, policymakers, and the public should question how this nation's public ed
milies achieve economic independence. By providing incentives to save and invest in an asset-such as a home, a busi
Individual sustainable development; Nutrition ecology; Physical fitness; Sustainable active living
g numbers is not their forte. Developing an understanding of business operations involves more than being able to
d with accounting errors (using accounting restatements as a proxy). We investigate several metrics of financial literacy similar to those su
s of New York who had filed for bankruptcy. Over 400 individuals divided into three groups (trained debtors,
n two major purviews. Psychologists and sociologists have examined children's understanding via age-related developmental theories, an
Assessment; Financial education; JumpStart Coalition; Social bias; Validity
Asset management; Care-giving; Financial abuse; Substitute decision making
Children and money; Financial curriculum; Financial literacy; Teen finances

n on which to base further study and, to that end, include many topics in the course. An alternative goal for the first course is to provide st
es to the development of consumer financial literacy by providing information to policy makers on effective financial education programm
Bankruptcy; Evaluation; Financial literacy; Training
Financial behavior; Financial knowledge; Financial literacy

ates of bankruptcy, high consumer debt levels, low savings rates, and other negative outcomes that may be the result of poor family finan
kplace satisfaction. Data gathered from a national sample of employees of an insurance company favor the hypothesis that employees wh
Alternative financial; Rent-to-own; Un-banked; Vulnerable consumers
Consumer; Information; Informed choice; Pensions; Understanding
pension plans to defined contribution plans, American households increasingly shoulder the responsibility of planning for retirement. 1 To
ed. Financial literacy and tax awareness are essential for engineers to evaluate and compare engineering projec
ong engineering students. Many civil and industrial engineers obtain some exposure in an undergraduate engineerin
Financial behavior; Financial literacy; Financial satisfaction; Financial stress
Audit committees; Director fees; Financial literacy; Non-executive directors

n challenged by Australian judges. They have assessed expert accounting evidence as the most difficult evidence, from eight disciplinary a
ce institutions. It then proceeds to examine how various electronic products might be attractive to poor customers
Civic Education Study was designed to measure dimensions of civic knowledge among 14 year-old and upper secondary students across d
anage their finance in an appropriate way. This is one of the many causes (others are mainly unemployment, illness etc.) of the growing so
Financial literacy policy; Personal finance education
Audit committees; Financial expertise; Financial literacy; Financial reporting quality

College teaching; Corporations; Economic literacy
Adult education; Financial education; Logit
Financial literacy; Internet; Investing; Investment literacy
Commercial banks; Disclosure; G21; G28; Mutual funds
sonal financial literacy and their state's personal finance curriculum mandate. At the time of the testing, twenty of the thirty-one states in
cs and related courses. That is, what subjects do we teach, how important are they and do they impact the ABET EC
strate the complexity of the financial decision-making facing those who seek to make the transition between claiming benefits and waged
Assumptions; Concepts; Consensus; Economic literacy; Facts; Relevance
Financial curriculum; Financial literacy; Program evaluation; Teen finances
n students' intention to attend college. Using a multinomial logit model and the from the National Assessment of Economic Education surv
etail financial services industry. The perennial problem which faces all producers of financial services is informati
nomics at Indiana University at Kokomo have collaborated to produce an intense team-taught summer economics course for pre-service e
a six-month research study of IT-assisted teaching and learning (ITATL) in higher education. This was to inform policy and also to provide e
Environment; Externalities; Monitoring; Pesticides; Precision agriculture
Ohio was examined in this study. The Test of Economic Literacy (TEL), a standardized, multiple-choice test designed to measure a student's
rs by their level of financial literacy and their place of mutual fund purchase. After using a probit model to separately estimate the determ
financial awareness; financial literacy; financial skills; objective testing; strategic education and training
of a number of factors. These adult TEL scores were also compared with high school student performance, with the latter outperforming t
tish banks and supplied free of charge to target audiences. It was a genre that began in 1914 and came to an end with the last issue of the
of all commercial organizations. Financial literacy is required of most if not all of the significant decision makers within organizations, no m
alyzed by the use of probit analysis and OLS to determine what factors influence high levels of performance on an achievement test. The s
ming data is provided along with a comparison of the U.K. and American data. British students are shown to perform better than American
han students in nonunion districts, ceteris paribus. © 1990 Taylor & Francis Group, LLC.
but are less likely to want another course in economics than students who are not in DEEP schools. © 1990 Taylor & Francis Group, LLC.
Index Keywords
t Behavior; Middle-Class Income; Structural Equation Model (SEM)
Curricula; Economics; Investments; Personnel training; Financial literacy; Financial managements; Financial services industries
ed to mere financial knowledge. This myopic conceptualization hampers the development of the concept and programs to build financial l
stionnaires were used to measure numeracy and basic knowledge related to working of inflation and interest rates, as well as questions to
nomic and sociodemographic variables already used in previous studies, we also add certain environmental variables at the local level. We
education; employment; finance; literacy; migrant worker; survey; Philippines; South Korea
economic instability; financial crisis; holistic approach; household income; rural development; rural economy; rural population
adult; debt; literacy; public attitude; sustainability; young population

adult; article; awareness; financial management; human; human experiment; leadership; literacy; major clinical study; nursing
Knowledge and understanding of personal finance; Stocks
adult; article; budget; education program; female; finance; human; human experiment; individualization; Israel; literacy; logic;
ings; Social values
s, including empathy, creativity, financial literacy, taking initiatives and identifying opportunities. The Entrepcomp framework outlined by t
tic mathematics
ness-to-invest. We perform two studies with graduate students who possess a medium–high level of financial literacy in Chile. In the first
es. We introduce a comprehensive and formative measure of financial vulnerability that integrates these risk factors and is grounded in de
decision making; education; insurance industry; literacy; low income population; perception; valuation; Sri Lanka
AIDS patient; article; cancer diagnosis; cancer survival; cancer therapy; caregiver; case report; child; clinical article; education;
24518654
Finance; Financial literacy; Financial planning; Financial problems; Financial resources; Junior high schools; Mathematics learni
Finance; K-means clustering; Motivation; Technology transfer; Across time; Educational reforms; Financial literacy; K-mean clu
men Awareness in Financial Instruments; Women Financial Literacy
Knowledge engineering; Advanced technology; Financial activity; Financial literacy; Financial plan; Game design; Gamification;
article; child; controlled study; curriculum; empowerment; family violence; female; human; literacy; male; scale up; wellbeing;
performance
E-learning; Finance; Financial literacy; Financial managements; Higher education; Interactive web applications; Primary and se
propensity to plan; retirement planning; saving attitude
currency; exchange rate; financial system; foreign direct investment; insurance system; profitability; remittance; Tajikistan
-economic environment
dia. Our analysis depicts that India has witnessed a quick progress in financial inclusion. Though there is long way to go to achieve the dre
debt; preference behavior; prioritization; public attitude; public spending; survey; tax system; Germany
Pension plans; Students; ESPOL; Financial decisions; Financial literacy; University; Video vignettes; Finance
Budget control; Finance; Motivation; Conceptual understanding; Financial literacy; Group Design; Interactive website; Learning
education; financial system; global perspective; household survey; literacy; neoliberalism; social security; social work; theoreti
s; MSMEs financial well being
asoning; Economics; Hierarchical Linear Modeling (HLM); NAEP-Economics; National Assessment of Educational Progress (NAEP); Teaching
es; Pedagogical technology; Pedagogy
uman lives. A primary survey shows how social networks created by self-help groups, though they provide higher incomes and social insur
shari’ah) financial products
23956518
n-making; financial literacy; measuring instrument
trainers; Vocational education

cepts. I begin by documenting investors' demographic characteristics and financial literacy using a relatively large sample of participants (n
havior of children in Dutch primary schools. Among fifth and sixth graders, the program led to a pre- to posttest improvement in financial l
ins an open question. This article evaluates the impact of online search activities on the levels of financial and health literacy. We find that
y to face financial burden and potential for default—particularly when loan-to-value ratios are high. However, the cognitive effects of finan
Commerce; Motivation; Virtual reality; Financial education; Financial literacy; Financial planning; Game design; Gamification; M
use AFS yet are also more likely to be exposed to personal finance education in schools. In this study, I use data from pooled 2012 and 201
ement investment decisions through the mediation of subjective financial knowledge (SFK). Using survey data, we find that OFK and FKNI
adult; Article; clinical effectiveness; cluster analysis; cohort analysis; controlled study; cost control; economic evaluation; empo
socialization; Parental poverty
Commerce; Economic analysis; Sales; Surveys; Customers; Default; Ghana; Low incomes; Mortgage; Investments
17473616
king; Sustainable banking performance framework; Sustainable development
ector in nigeria
adult; article; female; gender; human; human experiment; independent variable; literacy; major clinical study; male; retiremen
banking; economic growth; literacy; regression analysis; social inclusion; socioeconomic status; Zimbabwe
adult; art; article; bank account; California; clinical article; employment; female; human; human experiment; immigrant; interv
attention to the topic among academic librarians and encouraging an exploration into new and developing roles for academic libraries in fi
neglect compounding, and PB, the tendency to value the present over the future, are highly significant and economically meaningful pred
952583
gical issues; Post-secondary education; Teaching/learning strategies
rs; Mutual fund; Retail investors
credit provision; debt; IMF; microfinance; Cambodia
adult; budget; burnout; career; curriculum; employment; freedom; human; insurance; investment; learning; medical educatio
t; Qualitative methods
l knowledge
racy scores relative to minorities and that financial literacy increases with participation in financial literacy education. However, we find th
significant and positive correlation between the index and self-employment. We address the direction of causality by applying instrument
decomposition analysis; finance; gender disparity; human capital; labor market; literacy; Australia
analysis is based on the Financial Capabilities Survey, which was applied in four countries of the Andean Region: Bolivia, Colombia, Ecuado
economics; executive function; female; human; language; male; mathematics; neuropsychological test; predictive value; probl
ce; United States education
945056
l architecture
conflict management; developing world; informal settlement; land rights; land tenure; landownership; lending behavior; resid
ormance; Financial literacy
developing world; education; financial services; gender; literacy; Colombia; Lebanon; Mexico [North America]; Turkey; Urugua
2652323
ned behaviour
decision making; developing world; financial system; literacy; policy making; public attitude; resource use; small and medium-
accessibility; financial services; income; informal sector; literacy; microfinance; savings behavior; Nigeria
stic regression
CS nations. We fathom the fact that financial inclusion is definitely the way forward for an economy to achieve inclusive growth. Financial
Electronics engineering; Electronics industry; Education and training; Elementary education; Enterpreneurship; Financial litera
erest assets that could be used to pay down this debt. Relative to individuals with no credit card debt but positive liquid assets, borrower-
assessment method; building; curriculum; education; instrumentation; knowledge; learning; student; sustainability; sustainabl
curriculum; educational development; financial system; literacy; secondary education; student; training; Spain
36846
adult; article; consumer; health literacy; human; medicaid; outcome assessment
adult; allopathy; budget; Conference Paper; controlled study; curriculum; debt knowledge; demography; education program; fi
l population
ler’s fallacy; Quasi-rationalism

EM; Triple bottom line
tness tests suggest that banks with a strong capital position and asset quality are more inclusive through their financial literacy centres, an
adult; aged; American; article; controlled study; cross-sectional study; decision making; education program; female; gender; h
duate education
e; Social science
wo-part model
ary education
Financial literacy; Preservice teachers; Students with disabilities; Teacher education; Universal Design for Learning
American; article; awareness; human; literacy; long term care
ns; simultaneity bias
aging population; blood; cognition; decision making; diabetes; financial provision; glucose; hemoglobin; literacy; perception; p
We surveyed a representative sample of Poles to measure their debt literacy—a little-studied aspect of financial literacy—and therefore ob
ent loan debt

adult; American; article; bank account; consumer attitude; employer; human; literacy
2782715
ment and to fill the current knowledge gap in this area. The book goes beyond the narrow minimalist evaluation of microfinance that only
consumers; poverty indicators; rural regions; Xiao’s financial capability index
14706423
households, is high in both rural and urban India. Factors statistically significant in explaining over-indebtedness are the borrower's age a
Application programs; Computer games; Developing countries; Engineering education; Finance; Learning systems; Students; E
1747938X
ve memory
e interview report no formal teaching about personal finance. The purpose of this article was to present 5 topics every graduating medica
21697574
ncial literacy programs should be complemented with a new class of financial instruments that embed goal-specific compounding and infla
literacy; ownership; parameterization; performance assessment; questionnaire survey; resource availability; small and medium
20711050
ethnicity; finance; investment; numerical model; ownership; racial disparity; survey; United States
adult; controlled study; drug dependence; drug use; feasibility study; female; financial management; harm reduction; human;
alcoholic beverage; education; finance; mental health; Germany
Application programs; Developing countries; Finance; Students; Electrical engineering students; Farming communities; Financi
nment’s sponsorship; National University of Lesotho; university students’ voices
nomial logit model; Socio-demographic factors
1351847X
references; time preferences

adolescent; article; controlled study; education program; female; high school; Hong Kong; human; human experiment; literacy
ve Research
10520147
s; Selective bias
Decision making; Knowledge management; Entrepreneurship; Financial education; Financial illiteracy; Knowledge; Small and m
Multilevel regressions
3623319
financial literacy; G23; J11; Middle East and North Africa; O17; O53; R20; refugees
Earnings; Engineering research; Surveys; Bosnia; Financial literacy; Hezegovina; Pension literacy; Third life age; Finance
and competence; Level of income
nancial literacy
14706423
vings accounts from the DNB Household Survey with market data on account-specific interest rates and characteristics. We document het
nce; Present bias; Procrastination; Retirement saving decisions
nvestor types
ng workers
E-learning; Finance; Elementary schools; Elementary students; Financial education; Financial literacy; High school students; Int
ent behavior
model; Transtheoretical Model of Behavior Change
del showed a substantial negative effect of objective literacy on delinquency, but subjective literacy did not have a significant effect. The p
d savings accounts to teach financial literacy and prepare students for financial challenges that may impact their educational future. Desp
15116670
Decision making; E-learning; Finance; 21st Century skills; Assessment mechanism; Financial decisions; Financial education; Fin
assessment
on, and risk diversification. Worldwide, just one in three adults are financially literate—that is, they know at least three out of the four fina
Financial literacy education; Intrapreneurs; Public pedagogue
Analytic hierarchy process; Analytic hierarchy process (ahp); Critical success factor; Delphi method; Elementary schools; Finan
programs. This article briefly reviews SSA's past efforts to gauge public knowledge of the programs, describes the Understanding America
a narrow sense the general state of economic literacy or understanding is or ought to be irrelevant in terms of the advance of human wel
al Activity; Financial Literacy; Management System

Decision making; Business success; Decision makers; Entrepreneurship; Financial education; Financial illiteracy; Financial litera
Behavioral research; Decision making; Behavioral finance; Financial counseling; Financial decisions; Financial education; Financ
10523073
ound; Personal finance; Test of financial literacy
Developing countries; Electronic money; Open access; Social aspects; Digital wallets; Ethnography; Financial inclusions; India;
ponsible financial consumption behaviour; theory of planned behaviour
um-sized enterprises (SMEs). The chapter identifies five major constraints that weigh on SMEs’ access to bank credit, which accounts for th
ding; Household finance; Household spending; Payday loans; Restaurant meals
Social media platforms

Decision making; Energy utilization; Attitude; Behavior; Behavioral characteristics; Comprehensive assessment; Energy literacy
Artificial intelligence; Budget control; Decision making; Finance; Optical character recognition; Web services; 50/20/30 Rule; A
ehaviour; Financial Self-efficacy
ungary; Young adults

age; aged; Alzheimer disease; Article; cognition; disease association; female; human; literacy; major clinical study; male; neuro
merican reservations
elopment; Your Money Your Goals Toolkit
tutions; Switching behavior; Technology acceptance model
lio choice; risk perception; risky assets holding
rsonal pensions; Retirement planning

al literacy; Investments; Microfinance organizations; Stock valuables
alumnus; article; behavior change; Colorado; education; education program; financial management; human; human experime
0748321X
d measurement; Women’s Financial Self-Efficacy Scale
Employment; Knowledge management; Models; Baltic state; Career development; Financial education; Pension system; Simul
Finance; Libraries; Surveys; Cashless economy; Financial inclusions; Financial literacy; India; Information literacy; Mobile litera
e economic education
ual funds; Subjective norm; Withdrawal intention
ects; Youth
professional development
20471734
adult; article; drawing; education; female; human; human experiment; job satisfaction; life satisfaction; literacy; major clinical
nty of inflation expectations
12100455
ning; Wealth management; Women
13942603
adolescent; Article; case management; clinical outcome; controlled study; disability; economic evaluation; education; employm
r self-control in implementing financial plans. In particular, we examine the effects of PFA and self-control ability on saving behavior, as we
um Size Enterprises; Small
Cloud computing; Information systems; Information technology; Information use; Surveys; Cloud-based applications; Digital tr
gulation; retirement savings
21984182
ning; Modelling; Natural language processing; Total shareholder return

rsonal pensions; Retirement planning
Engineering; Safety engineering; anxiety; Endogeneity bias; Financial capacity; Financial literacy; Geographical dispersions; Inv
13669877
ng countries; financial literacy in India; high school financial literacy; high school personal finance; personal finance
article; bank account; education; human; human experiment; literacy; mathematics; money; Organisation for Economic Co-op
ubject; Heterogeneity; Prior economic education; Test of economic literacy; Test of understanding college economics; Upper secondary sc
tive approach; peer effects
adult; article; controlled study; education; human; human experiment; literacy; major clinical study; middle aged; retirement;
of economic literacy; Vocational school sector
education; experimental study; finance; literacy; television; Cambodia
Finance; Academic science; Applied research; Comparative analysis; Economic fields; Empirical data; Financial literacy; Functio
Least squares approximations; Financial inclusions; Financial literacy; Financial products; Formative models; Mediating effect;
accessibility; financial market; financial provision; financial system; institutional framework; literacy
0305750X
adult; article; education; female; household; human; human experiment; husband; Johor; Kedah; Kelantan; literacy; Malaysian
9760245
adolescent; adult; article; caregiver; child; counseling; employment; genetic transcription; human; interview; literacy; offender
Commerce; Investments; Adult populations; Chinese educations; Comparative analysis; Financial education; Financial literacy;
adolescent; article; controlled study; entrepreneurship; human; juvenile; leadership; literacy; lowest income group; major clin
olds; Procedural and declarative memories
ging behaviors
adolescent; article; bank account; child; controlled study; education; female; Ghana; girl; human; human experiment; literacy;
cy poses a significant, widespread, and long-term challenge for our federal securities regime because that regime is premised almost entir
debt; empowerment; finance; literacy; low income population; metropolitan area; nonprofit organization; poverty alleviation;
ergraduates; Young people
; self control
border region; rural area; rural development; rural population; self employment; socioeconomic conditions; statistical data; Ru
Economics; Finance; Normal distribution; Personnel; Analytical method; Cluster sampling; Distributed data; Financial literacy; I
Industry 4.0; Information management; Conceptual frameworks; Electronic database; Entrepreneur; Financial literacy; Literatu
ther management-related topics; Propensity to indebtedness
financial system; literacy; secondary education; student; young population; Italy
9645292
cultural influence; developing world; informal sector; landownership; lending behavior; literacy; poverty; regulatory approach
credit provision; debt; interest rate; literacy; microfinance; Chile
experimental study; finance; household income; lending behavior; literacy; psychology; savings; training; welfare impact; Sout
banking; class; design; institutional framework; lending behavior; livelihood; sustainability; Nepal
; radical economics
4866134
African American; article; child; conceptual framework; controlled study; father; female; human; interview; literacy; male; ran
7371209
Electronic commerce; Finance; Laws and legislation; Surveys; College students; Credit system; Financial literacy; Information a
g integrated reporting, people finance, crowdfunding, and corporate networks. It provides readers with an organized starting point to expl
banking; economic development; financial system; rural area; urban area; India; Tamil Nadu
nformation and communication technologies (ICT)
Electronic commerce; Managers; Business operation; Developing economies; Financial managements; Partial least square (PLS
Integrated circuits; mHealth; Nutrition; Regional planning; Community education; Financial literacy; ICT literacy; Indonesia; Fin
finance; household survey; literacy; methodology; savings; Australia
Investments; Purchasing; Choice experiments; Consumer durables; Consumer preferences; Demographic characteristics; Disco
decomposition analysis; finance; literacy; socialism; womens status; Germany
3915026
decision analysis; finance; investment; literacy; risk assessment; risk perception; student; university sector; Europe
finance; gender disparity; literacy; student; Spain

demography; economic growth; finance; financial policy; life cycle analysis; literacy; savings; sustainability; Ghana
itional quantile regression
debt crisis; educational development; European Union; financial services; household expenditure; literacy; policy approach; po
adult; finance; literacy; student; survey method; young population; Canada; Denmark; Germany
banking; experimental study; financial system; low income housing; savings behavior; India
Behavioral research; Decision making; Finance; Information analysis; Marketing; Educational contents; Financial decisions; Fin
age; aged; Article; attitude to health; aversion; cohort analysis; cross-sectional study; educational status; female; financial man
agricultural economics; agricultural finance; food security; household structure; poverty; vulnerability; Texas; United States
correlation; educational attainment; finance; literacy; retirement; survey method; womens status; Italy
adult; article; awareness; female; finance; human; insurance; literacy; longitudinal study; major clinical study; male; multivaria
financial market; financial provision; literacy; national economy; regression analysis; United States
t and more particularly making changes (if necessary) would result in more effective and responsible managing and handling of one's finan
apolipoprotein E4; cognition; dementia; female; financial management; genetics; health literacy; human; independent living; m
cognition; decision making; financial market; social capital; stock market; sustainability; technological development
verty and mobile phone penetration can be a good opportunity. Consumers are exposed to a plethora of financial products but the knowle
located wealth between a lifetime annuity and a phased withdrawal account when we increased the risk of exhausting the phased withdra
ocio-economic classes. Various financial institutions and societies have taken steps toward financial inclusion, but to be successful, they ne
se a documentary movie on debt, an internet exercise and a budgeting smartphone app. It is investigated if particularly the latter two inst
22148043
e of marginal farmers, slum dwellers, migrants, women, self-employed, and senior citizens. There have been many formidable challenges i
e knowledge
o; Regulation
nt study areas of the social sciences. They pay attention to economic developments in the context of globalization such as industry 4.0, ne
of topics and recommendations and accuracy of trends toward better financial literacy level. Each chapter is dedicated to a particular com
financial market; literacy; retirement; savings; China
ibration; Opinion leadership
ven if Latino male students enroll in post-secondary education, they continue to be disenfranchised, vanished, and often rejected through
int; rent-to-own
decision making; dermatology; education; human; medical education; United States; Career Choice; Dermatology; Humans; In
credit provision; education; household income; lending behavior; microfinance; regulatory approach; Bangladesh; Canada
decision making; neoliberalism; poverty; welfare provision; United States
Human engineering; Credit card transactions; Field studies; Financial literacy; Industry research; Sensitive datas; Human comp
Design; Human computer interaction; Human engineering; Agency; Constrained design; Ethnography; Financial capability; Fina
Population statistics; Systems engineering; Demographic factors; Financial literacy; Level of educations; Owner/manager; Sma
adult; family therapy; finance; human; literacy; lowest income group; satisfaction
0927538X
nnual returns than the least literate households. Distinct portfolio dynamics are the key determinant of this difference. More literate hous
e; Test of Financial Literacy; validation of test instruments
ation retrieval; language skill; pension information; topic knowledge
adult; article; awareness; education; female; health insurance; human; income group; investment; literacy; major clinical study
consumption behavior; financial services; household expenditure; household income; investment; literacy; literature review; m
experiments; myopic loss aversion
financial literacy across states with an over 60 percentage point difference between the state with the highest financial literacy and that w
adult; Article; clinical effectiveness; clinical protocol; cohort analysis; controlled study; cost control; cost effectiveness analysis
teracy; Financial services

financial system; literacy; macroeconomics; museum; England; United Kingdom
167185
mer Policy; Consumer Susceptibility to Informational Influence; Financial Education; Financial Literacy; Household Finance; Perceived Finan
education; financial services; household income; literacy; savings; Myanmar
or correction model
ket volatility; Peer effects; Situational stimuli
Investments; Regression analysis; Academic achievements; Female students; Financial literacy; General knowledge; Money ma
eracy in the Global North, and micro-credit and mobile banking in the Global South. Buckland sets these schemes within the context of fin
child labor; education; finance; savings; student; young population; Ghana
adolescent; adolescent development; adult; adulthood; career; child; controlled study; female; follow up; human; human expe
estimation; Students
finance; gender disparity; hegemony; knowledge; literacy; metropolitan area; retirement; Cape Coast; Central Region [Ghana]
ding in seven different blocks of Puducherry constituted the sample of the study. Multinomial regression model was used to see the impac
erceived financial literacy
Asian immigrant; attitudinal survey; discriminant analysis; financial system; future prospect; immigrant population; literacy; re
estigated this assumption by exploring the distribution of financial literacy among South Africans. Method: In the absence of a standard m
education; financial system; literacy; literature review; policy approach; young population
eracy; Financial regulation; Financialisation; Neoliberalism; Socio-economic education
rformance; Micro, small, medium-sized enterprises; MSMEs
Consumer protection; Education; Finance; Blended learning; Czech Republic; Financial education; Financial inclusions; Financia
Energy conservation; Energy management; Energy utilization; Finance; Motor transportation; Electricity-consumption; Financi
Budget control; Consumer protection; Education; Electronic commerce; Neurodegenerative diseases; Portals; Social sciences c
personal financial literacy
Economics; Finance; Regional planning; Surveys; Decision making process; Empirical literature; Employment opportunities; Ent
Social justice
ket; SEC; Securities
et participation
employment; financial system; literacy; literature review; living standard; social exclusion; wage
Felt; Statistical tests; Surveys; Chi square test of independence; Chuka constituency; Constructivist approaches; Economic emp
Cluster analysis; Information management; K-means clustering; Croatia; Empirical analysis; Financial literacy; Household mem
Computer circuits; Fuzzy logic; Information management; Natural language processing systems; Risk management; Semantics;
ADL disability; adult; aged; Article; body mass; cognition; cohort analysis; controlled study; depression; female; financial mana
developing world; entrepreneur; financial system; investment; literacy; microfinance; savings; training; Addis Ababa; Africa; Et
Consumer protection; Finance; Pension plans; Surveys; Consumer rights; Financial capability; Financial literacy; Financial resou
adult; finance; literacy; psychology; retirement; savings; young population; Slovakia
child parent relation; human; juvenile; literacy; partner violence; prevalence; psychological well-being; review; self concept; vi
African American; Article; behavior change; burnout; e-mail; education program; educational status; financial management; fo
Finance; Information management; Annual rates; Consumer credits; Financial literacy; Interest rates; Regulatory actions; Repr
Investments; Search engines; Advice; Artificial intelligence agent; Consumer decision making; Financial literacy; Investment de
ngs accounts
mprove the financial well-being of trainees. The first step in this process is understanding residents’ educational needs. Objective: The obj
Information management; Buying behaviour; Credit cards; Cross-sectional surveys; Emerging economies; Financial literacy; Mo
adolescent; female; human; income; Kenya; knowledge; literacy; male; poverty; procedures; psychology; social work; young ad
Decision making; Decision support systems; Information systems; Information use; Investments; Planning; Decision Inertia; De
14747472
; Mathematical modern finance
University of Southern California. The UAS, which began in 2014, represents one of the richest sources of panel data available in the United
Information management; Surveys; Transparency; Accountability; Analytical tool; Digital platforms; Effective communication; F
17439213
us to consider both the characteristics of payday loan clients in comparison with non-clients and how those characteristics have changed
adult; awareness; basic needs; California; English (language); family service; female; Hispanic; human; human development; h
cular themes in the National Curriculum. Economic perspectives should be an integral part of any discussion of environmental issues along
Behavior change; Credit card payment; Credit card transactions; Financial literacy; Goal setting; Individual levels; Large-scale s
adolescent; adult; aged; female; human; human development; learning; male; metacognition; middle aged; physiology; self ev
nd uninformed investors; Structural equation modeling; Tehran Stock Exchange (TSE)
Commerce; Error correction; Financial markets; Impulse response; Information management; Gross domestic products; Impuls
article; budget; facilitation; human; leadership; literacy; perception; physician; thematic analysis; adult; Canada; clinical compe
ic banking; Islamic financial services marketing; Level of Islamic financial literacy; Moderation effect on Islamic banking
cognitive aging; ethics; household; human; jurisprudence; literacy; loneliness; longitudinal study; pilot study; privacy; publicati
adult; Bangladesh; decision making; developing country; female; health care financing; health insurance; human; male; middle
vaccine; Article; caregiver; child; child care; childhood; controlled study; correlation analysis; crossover procedure; female; fev
rty assets; Environmental; Financial and commercial literacy; First Nation enterprises; Indigenous entrepreneurship; Intangible; Social and
of the Bank of Russia; Legal acts of the Bank of Russia
itatively expand financial inclusion and link with pension payments, subsidies, and other benefit payments in a secure and reliable manne
Application programs; Cost reduction; Developing countries; Social networking (online); Virtual reality; Barriers to adoption; Bi
tah youths. Extension benefited through partnership with a corporation that provided content expertise, volunteers, and funding for a fin
adult; age; anxiety; Article; compulsive buying; cross-sectional study; employment; female; financial management; Financial W
al education; training
diaspora; Dutch disease; finance; migrants remittance; morality; poverty alleviation; savings; Central Asia
Application programs; Education; Finance; Financial education; Financial industry; Financial institution; Financial literacy; Gam
adult; aged; aging; decision making; drawing; female; financial management; human; human tissue; literacy; major clinical stu
sive matrices test
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vention; severe mental illness
demography; elderly population; income; life cycle analysis; modeling; pension system; retirement; savings; Germany
alism; Race and racism; Settler colonialism

adolescent; adult; controlled study; education program; human; learning environment; literacy; major clinical study; randomiz
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ustainability
k preference; Scarcity; Time-discounting
Economic analysis; Economics; Factor analysis; Finance; Students; Awareness; Communication skills; Financial literacy; Mobile
behavioral response; debt; education; finance; literacy; low income population; meta-analysis
nsion; Turkey
of OECD on the level of financial literacy and empirical studies. Using the model of multiple regression analysis, the dependency of school s
work formation; Social interactions; Trust

consumption behavior; finance; governance approach; government; investment; morality; political economy; socioeconomic i
ty; Policy initiatives; Psychological factors; Switching behaviour
9208550
adult; clinical trial; ethics; expectation; health promotion; human; information processing; literacy; lowest income group; Man
20446055
Education; Electronic commerce; Finance; Dimension reduction; Financial behavior; Financial literacy; Multiple comparison; Pe
environments. The contributors address a basic question: What impact do crises have on evaluation and how can evaluation contribute in
enrollment behaviors. Working students, compared to their nonworking peers, reported significantly lower levels of overall financial well-b
gement; Small scale entrepreneurs
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ovativeness; Liquidity
Electronic commerce; Sales; Software engineering; Web Design; Websites; E-banking; Financial investments; Financial literacy
child; field method; finance; gender issue; literacy; primary education; savings
health care; health insurance; health services; health worker; regional economy; subsidy system; adult; consultation; health in
adult; agriculture; consumer; dependent variable; education; female; finance; financial management; food assistance; food ins
late ghost towns as families abandon homes in the middle of the night to avoid ugly snares and embarrassment (Bradford, 2011). Homeow
ncial literacy
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Article; doctor patient relation; financial management; health care cost; health care personnel; health insurance; health literac
adult; budget; case management; controlled study; female; follow up; health promotion; human; literacy; major clinical study;
20446055
Finance; Information systems; Publishing; Banks; Client relationships; Costumers; Financial education; Financial literacy; Finan
education policy; finance; ideology; international organization; literacy; material culture; neoliberalism
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commodity; credit provision; economics; financial provision; material culture
view of financial literacy studies and surveys conducted recently to assess and determine financial literacy and numeracy levels across diff
al norms; Perceived financial literacy
changes as the topic of financial issues. Therefore, its teaching requires new approaches that would dynamically respond to the current si
adult; controlled clinical trial; controlled study; DNA transcription; female; health behavior; human; human experiment; literac
their money. New conceptual frameworks introduced in the book offer academic audiences an innovative way of thinking about the proje
financial system; household survey; hypothesis testing; investment; literacy
likely than men to answer correctly and more likely to indicate that they do not know the answer. Both young and old women show low le
uristic decision making; Life insurance
mortgage broker and borrower before the loan funds is associated with lower levels of ex post default. The relation between face-to-face
ngs; Sufficiency of pensions
ial inclusion business in India. It is quoted as the world's largest banking agent manager. Formed in Mumbai in 2006 with the mission to so
attention; Transparency
adult; cross-sectional study; curriculum; financial management; human; Internet; medical education; procedures; questionnai
adolescent; bank account; child; contraceptive behavior; controlled clinical trial; controlled study; cost effectiveness analysis; d
comparative study; education; finance; immigrant; literacy; student
Computer networks; Data structures; Students; Teaching; Affective state; Attention level; Classroom lecture; Financial literacy
adult; doctor patient relation; financial management; health care management; health care system; health insurance; health l
ting; validity
jective financial knowledge; Thoughtfulness heuristic

aging; child; foster care; human; lifestyle; population model
ation and training
ssive; Secondary education
adult; assessment of humans; behavior; care and caring; Casey Life Skills Assessment; child welfare; coping behavior; demogra
Economics; Education; Finance; Investments; Sports; Behavioural finances; Capital structure; Conceptual frameworks; Financia
Finance; Government data processing; Investments; Rural areas; Common Services Center; Financial literacy; Investor Awaren
Finance; Government data processing; Investments; Rural areas; Common services center; Financial literacy; Investor awarene
age; aging; Alzheimer disease; cognition; cognitive defect; decision making; educational status; female; health literacy; human
breast tumor; cohort analysis; colorectal tumor; cost of illness; economics; employment; female; human; interview; male; mid
e explore the role of two potential barriers/enablers to accessing financial advice. First, we explore the role of a variety of financial literacy
ground and explore key components of this law. We examine extant research on what is known about how insurance coverage impacts co
ersonal finance
catch statistics; economic analysis; fishery economics; fishery management; fishery policy; legislative implementation; policy im
estment advice; Robo-advising; Visuaüzation
ol; Student's conceptions; University students
he books about Max and Ruby by Rosemary Wells. These books can help introduce the five key concepts of financial literacy: scarcity, exch
capacity building; curriculum; family; human; human experiment; New York; scale up; skill; social work; student; university
employment; entrepreneur; rural area; survey; young population; Mpumalanga; South Africa
versity students
play (PEOP)
1287702
ce financial attitude; Undergraduates
banking; education; finance; learning; literacy; perception; training; Slovenia

bootstrapping; developing world; financial services; knowledge; literacy; low income population; microfinance; rural finance; s
ucation; Financial services marketing; Heuristics; Need for cognition; Objective prior knowledge; Personal relevance; Processing fluency; R
ed various policy initiatives and influenced curriculum and resource development in this area. However, there remains a paucity of researc
cher; Teacher education

participation
cy; Functional components; Rural Uganda

ial wealth gap is rooted in socioeconomic and political structure barriers rather than a disdain for or underachievement in education or fin
d role; Personal finance
ncial literacy
of family background. We focus on the process of financial knowledge development of 15-year-old Italian students by exploiting the large
Aging of materials; Decision making; Basic concepts; Cognitive ability; Cognitive aging; Financial assets; Financial decisions; Fin
than would that of financial literacy. It elaborates on the relationship of each of three time perspectives to financial decision making and
Education; Managers; Motivation; Students; Achievement motivations; Business logistics; Business management; Financial lite
Financial literacy; Legal obligation to disclose information; Legal obligation to educate consumers
student assessment
Computation theory; Computer circuits; Finance; Fuzzy logic; Linguistics; Natural language processing systems; Semantics; Soft
Design; Finance; Human computer interaction; Scaffolds; Children; Co-designs; Financial literacy; ICT4D; Knowledge economy;
ement savings and investments
Educational technology; Development process; Financial education; Financial literacy; Formal education; Public schools; Educa
rsonal beliefs; Young adults

Economics; Information management; Innovation; Population statistics; Regional planning; Sustainable development; And per
Risk management; Emotional intelligence; Financial literacy; Financial risks; Locus of control; Risk aversion; Finance
ntribution (DC) plan. We link to administrative records a unique employee survey of economic/demographic factors including a set of fina
hodology; Support and advice
on; Financial behavior; Financial literacy
Budget control; Economic and social effects; Finance; Information management; Surveys; Sustainable development; Financial
consumption behavior; credit provision; economic growth; finance; financial policy; lending behavior; mapping; poverty; socio
avioural control; Subjective norms

Financial management; Pre-bankruptcy counselling; Qualitative research
customer needs. Based in Mumbai, Industrial Credit and Investment Corporation of India Bank has become a leader in its industry by stra
ge decision making; Refinancing
adult; Article; female; financial management; health care policy; health insurance; human; information literacy; Internet; longi
eracy; Financial management; Investment; Saving
, 2011), and the forthcoming book Supporting Local Businesses and Entrepreneurs in the Digital Age: The Public Librarian's Toolkit (Librarie
-classical economic models. dual personality model; Psychological models
p; Financial literacy; Low-income individuals; Poverty; Resource scarcity; Vulnerable population groups
l-hirschman index; Spearman's correlation coefficient
in; Welfare state
h start; Qualitative methodology
ublic trust in lending entities
dary school students
lamic banking; Islamic financial services marketing; Islamic marketing; Perceived attributes; The Muslim consumer
17590833
business development; household expenditure; investment; microfinance; poverty alleviation; training; Nicaragua
adult; Article; career; clinical article; controlled study; employment; empowerment; feasibility study; Federal Territory of Kuala
ocial networks
ds to explore the interplay between the differing audiences, content and goals addressed by the popular personal finance genre and financ
ty; financial literacy; generations; intersectionality
ogram evaluation; Randomized controlled trial (RCT)
E-learning; Finance; Mobile devices; Software design; Transportation; Down syndrome; Financial literacy; Mobile Learning; Per
d by the interest rate and the emergency fund hypotheses. For variable annuities, the interest rate hypothesis is not directly applicable. Fo
nal Financial Capability Study

Article; financial management; health care cost; health literacy; human; income; market; pharmacist; pharmacy
ction 180; Duty of care; Financial Reporting

familiarity; finance; learning; literacy; risk assessment
banking; compliance; elderly population; finance; information; policy analysis; policy strategy; Italy
e partly determined by a range of social factors, mediated through personality and ‘financial literacy’. Path analysis is used to explore this m
ny; Test of Economic Literacy
behavior; China; human; interview; major clinical study; marriage; migrant worker; vulnerable population
California; education; habit; Hispanic; human; human experiment; immigrant; immigration; lowest income group; qualitative r
adult; aged; budget; economics; female; financial management; housing; human; interpersonal communication; interview; ma
cost effectiveness analysis; course content; experiential learning; health care cost; human; human experiment; psychologist; p
banking; credit provision; financial market; household survey; lending behavior; Russian Federation
hood among a large and representative sample of young Americans. Variation in exposure to financial training comes from statewide chan
seminar, where the focus was on fairness and access to quantitative and financial literacy, the students developed financial literacy brochu
knowledge; literacy; rural finance; savings behavior; smallholder; training; village; Rwanda
g of managing personal finances. This becomes further compounded upon entering college, as these students lack the financial acumen to
methodologies
ucation policy environment. A key accountability measure used by the Department of Education for more than two decades has been the
ed on market-oriented economy. A research carried out in 2014 and 2015 in the Czech Republic will be presented. Its goal was to map fina
Socio-demographic characteristics
hool youth in Mexico
adult; American; consensus development; decision making; doctor patient relation; human; human tissue; Internet; major clin
activity voucher; adult; advertising; African American; Article; behavior assessment; behavior assessment system for children;
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Competitive analysis; Educational program; Financial literacy; Financial values; Literature reviews; Parents; Teens; User enactm
Survey design
emed plays; Financial literacy for children; Inquirybased learning; Plays for young audiences; Roseneath Theatre; Social justice plays; Teach
adolescent; adult; devices; female; human; impulsiveness; investment; male; psychology; psychometry; questionnaire; reprod
tional education; USA
Commerce; Cost estimating; Costs; Public risks; Regulatory compliance; Risk perception; Sensory perception; Uncertainty anal
Education; Engineering education; Finance; Managers; Materials testing; Teaching; Technology; change; Educational process; E
agricultural development; cash cropping; climate change; crop production; farmers attitude; gender; literacy; low income pop
9593780
adult; aged; anisotropy; Article; brain region; cognition; diffusion tensor imaging; female; financial literacy; financial managem
entrepreneur; finance; literacy; training; unemployment; young population; Tanzania
access to information; adult; aged; Article; awareness; financial literacy; health care policy; health insurance; health literacy; h
adult; aged; chronic disease; cost; economics; female; health insurance; human; insurance; male; medication compliance; men
cial inclusion policy; Rural banking; SHG
acher training
literacy before covering financial literacy in the policy context, the state and development of financial literacy within different countries, is
eachers' financial literacy; Teachers' pedagogical content knowledge
stress; Household savings
cial literacy; Lehrplan 21; Plan d'études romand (PER)
Strategic knowledge; Teaching of primary mathematics

try; Financial literacy teaching
sonal finance; Personal finance behaviour
tuational judgment testing

national education system; Savings in school programme; The unbanked in Mexico
ts to learning
state standards
' professional development
Research; Spreadsheet; Teaching training
Financial literacy; Homo economicus; Rational choice

mania; School-based curriculum in Romania
on; Life skills; Youth
e; Gender gap
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ectors; Foreign shareholdings; Multiple directorships

13853457
ountries. This suggests that there will be mounting challenges for households and SMEs to invest wisely and effectively as societies age an
o puzzles; Own-company stock puzzle; Portfolio under-diversification; Stock market participation
al stages of readiness
curriculum; financial management; partner violence; qualitative research; survivor

od of Moments; Remittance
; Retail investors
ocial justice; Social status; Virginia Woolf
consumption behavior; coping strategy; debt; education; finance; knowledge; Malaysia
cial well-being. Faced with an array of complex financial services and sophisticated products, many graduates lack the knowledge and skil
literacy; microfinance; rural finance; social network; Uganda

ith limited financial experience are making legally binding decisions, this study explored the personal finance literacy and behavior of Chris
w knowledge and risk interact to inform millennial retirement investment choices. Study 1 suggests a decline in risk-taking for those with lo
measure appears to provide greater understanding about how financial literacy affects financial behaviors. A large national survey of U.S.
government, industry and community organisations. At the same time, there has been on-going and burgeoning interest in financial litera
cial literacy levels would also act as a protective factor for individuals falling victim to financial and investment fraud. While some support
Cybernetics; Economics; Human resource management; Measurements; Research and development management; Surveying;
er basic financial literacy, in the absence of sufficient household financial management practice, is associated with suboptimal savings beh
Cybernetics; Finance; Human resource management; Regression analysis; Research and development management; Surveying
s; Social capital; Uganda

d with the need to carefully plan for future retirement. Financial literacy is critical to retirement planning, particularly in wake of the increa
he unserved and/or the underserved, whereas financial literacy deals with the demand aspect of empowering people on the subject of pe
cting financial decisions and suggest a link between limited cognitive capacity and the need for financial education. The book then expand
elf-selection
nclusion; Financial literacy; Payment banks; PMJDY and MUDRA Yojana

oom techniques in teaching business and economic journalism; Economic journalism; Financial communications; Financial journalism; Fina
finance; human capital; incentive; labor division; learning; womens status
al literacy; Gini coefficient; RF GDP; Savings strategies
Availability; Design; Developing countries; Finance; Human computer interaction; Innovation; Motivation; Semiotics; Sustainab
avings rate in the United States has become negative, resulting in growing consumer debt and challenging the financial well-being of the p
Education; Laws and legislation; Access to information; Content analysis; Czech Republic; Financial literacy; Information literac
; Use of credit card
Behavioral research; Brain; Bubbles (in fluids); Commerce; Data handling; Data reduction; Decision theory; Economics; Finance
Education; Finance; Information services; Financial information; Financial literacy; Information literacy; Italy; Public library; Lib
eting with an insurance agent, who may be subject to a conflict of interests. In this study, 263 participants were asked to choose a savings
he wake of the global financial crisis in 2008, particularly research with an emphasis, for instance, on consumer financial literacy (Agarwal
g. With this shift comes increasing evidence that investors are making poor investment decisions. This Article seeks to uncover the reason
curriculum; decision making; finance; mathematics; secondary education

e social norm; Positive social norm; Public service advertisement; Social norm effects
l inclusion; Financial untouchability; Pradhan Mantri Jan Dhan Yojans (PMJDY)

1202596
uch as the introduction of the ATM and e-banking, have allowed the rapid development of credit card use. According to the earnings repo
her education. Pre-service teachers, experienced educators, curriculum leaders, parents, and school administrators will find practical idea
mputerized systems
Commerce; Digital devices; Finance; Financial markets; Investments; Transportation; Usability engineering; Accessibility; Chart
Commerce; Data mining; Finance; Profitability; Semantic Web; Terminology; Financial education; Financial forecasting; Linked
e an immanent critique of American political economy between 1838 and 1842. In opposition to virtually all of his contemporaries, Brown
Computer aided instruction; E-learning; Education; Motivation; Online systems; Teaching; Class projects; Classroom based lear
1674870
Commerce; Design; Finance; Financial markets; Graphic methods; Iterative methods; Transportation; User centered design; Ac
Curricula; Ecology; Ecosystems; Finance; Financial literacy; Gap analysis; Online curriculum; Portugal; Project; Skills; E-learning
workplace literacy
aged; educational status; female; health literacy; human; independent living; male; middle aged; mild cognitive impairment; p
8982643
avings are collected from investors and diverted to the capital market to generate better returns for them with lower risk and volatility. He
ner research
ne of the most important topics for consumers: financial literacy. This topic is particularly important for the young, and in this lecture, I wi
rovements. We examined the extent to which placement of information and financial literacy affected the accessibility of information for i
of the advice given by the agent, along with that of two further factors: a fair disclosure statement regarding the agent's conflict of intere
ples for all types of commercial and nonprofit enterprises. Dr. Verschoor brings into focus the intertwined impact of risk management, inte
credit provision; empowerment; financial system; income; microfinance; power relations; rural area; womens employment; Ba
into their postgraduation working lives (Delisle, 2014). This study reports the attitudes about money voiced by master of divinity students
Article; cross-sectional study; economic aspect; factorial analysis; female; financial management; human; Likert scale; male; m
ut basic knowledge and skills and an appropriate level of financial literacy. Financially educated citizens are more active on the financial ma
sonality traits
arning and assessment practices associated with this construct. Numeracy is a concept used to identify the knowledge and capabilities req
orth, the authors present a description of financial literacy tenets founded in principles of self-awareness and cooperative community that
dit card debt; Student debt
commercial phenomena; education; financial management; human; investment; organization and management; physician; an
Ergonomics; Finance; Online systems; Recommender systems; Advisory systems; Financial advisors; Financial literacy; Low inco
22146350
he general population. Failure to properly plan for retirement, unemployment, poor borrowing strategies, and debt are all attributed to ig
E-learning; Education; Finance; Societies and institutions; Financial education; Financial literacy; Real pictures; Slovakia; Studen
s; Self-esteem; Users of community welfare centers

Behavioral research; Computation theory; Economics; Human computer interaction; Human engineering; Investments; Behavi
aged; anxiety; Article; Australia; bereavement; community living; demoralization; distress syndrome; female; financial manage
xplained by gender differences in sociodemographic variables, social or psychological factors, and/or the outcomes of retirement planning
decision making; financial management; information literacy; Decision Making; Financial Management; Information Literacy
decision making; financial management; information literacy; United Kingdom; United States; Decision Making; Financial Man
nomic Factors
in financial well-being based on demographic characteristics of young employees and to identify the determinants of financial well-being
ucation with social, citizenship, and character education to teach children how to make responsible, ethical, and compassionate decisions
14747472
data acquisition; finance; literacy; stock market; France
ncial literacy dimensions; Participation in the stock market; Sport marketing managers in Iran
duals who operate those markets. We apply psychological contract theory to a financial market setting to predict that financial literacy wil
education; financial services; immigrant population; literacy; questionnaire survey; Africa; Asia; Europe
derstanding college economics; TUCE

economic policy; finance; literacy; low income population; poverty; welfare economics; Borneo; Brunei Darussalam
article; career; human; human experiment; literacy; social work education; social work student
nd financial literacy; online government resources
rogram evaluation
1488376
However, its roots and empirical importance are poorly understood. I estimate quantitatively meaningful diversification statistics and inves
s; transformational advertising
volvement; self-determination theory; self-regulation theory; well-being
m standard wage (UMR)
r, we provide a model describing workers' choices on the allocation of retirement savings in presence of (1) mandatory pension contributio
Decision making; Drops; Economics; Behavioral decision makings; Episodic memory; Financial decisions; Financial literacy; Mic
debt; finance; higher education; income; public attitude; student; tax system; England; New Zealand; United Kingdom
ncial education programs is not well-developed. Hence, this study advocates a revaluation of their role in such programs and shows how t
ce teachers
ck market learning" (SML)-intensive. Two control groups received no financial literacy treatment-an 11th grade group with no exposure to
cial education
ulture; neoliberalism; resilience
e that this knowledge does dramatically decrease preference for the present.
adolescent; adult; decision making; economics; education; ethnic group; female; financial management; human; male; percep
y of accounts, greater flexibility in operation, and financial literacy training. © 2015 John Wiley & Sons, Ltd.
Behavioral research; Cost effectiveness; Costs; Cybernetics; Decision making; Economic analysis; Education; Finance; Informati
education; finance; knowledge; literacy; meta-analysis; savings behavior
on) institutions
credit card debt, bankruptcy reform, negative savings rates, working-poor families, and too many others to name-all major community dev
conceptual framework; debt; finance; investment; least squares method; perception; testing method; Malaysia
of family budgeting
han just below. Borrowers who reported above-threshold assets were almost 25 percentage points more likely to become delinquent (me
sense that the beliefs reported by the respondents are correlated with their choices in the experiment. More importantly, we find eviden
ce; Retirement
children; Pro-social consumption; Qualitative method; Social identity of consumption

of consumer finances
apability; Financial literacy; Wealth
adolescent; child welfare; consumer attitude; coping behavior; economics; female; financial management; foster care; human
literacy; Financial literacy; Investors' behaviour; Portugal
Behavioral research; Decision making; Electronic commerce; Investments; Websites; Behavior change; Financial literacy; Persu
nd a primary driver of economic growth. However, losses encountered in the aftermath of the global financial crisis led to a major review o
economics; education; educational model; educational status; geriatrics; human; medical education; organization and manage
ch to ignore. Little known to many homeowners is that failure to pay mandatory Homeowner Association dues can lead to foreclosure on t
ch to ignore. Little known to many homeowners is that failure to pay mandatory Homeowner Association dues can lead to foreclosure on t
perannuation
electronic commerce; financial services; informal sector; microfinance; savings; savings behavior; technology adoption; Ghana
academic achievement; adult; Article; attitude; capital; cardiovascular disease; cardiovascular risk; childhood; credit score; hou
ed to save for retirement. Studies generally find individuals are financially uninformed and lacking in basic financial principles. This study d
clinical competence; curriculum; health care financing; human; Note; professionalism; radiation oncologist; residency educatio
adult; age; aged; aging; computer simulation; economics; female; human; male; middle aged; Monte Carlo method; pension; r
governance which becomes more important every single day as global business applications spread all over the world and information ne
ealand; Portfolio choice
472727
adolescent; adult; attitude; Canada; child parent relation; employment; female; human; information processing; male; middle
consumption behavior; income distribution; living standard; quality of life; social behavior; socioeconomic status; socioeconom
king women
developing world; financial market; insurance system; market development; regulatory framework
n documents; Neuroeconomics
education; finance; incentive; literacy; logistics; savings; education; finance; literacy; training; Federal District [Mexico]; Mexico
education; finance; literacy; student; New Zealand
re the impact of two distinct programs: standard accounting training versus a simplified, rule-of-thumb training that taught basic financial
political economic literacy; political economy; resource super-profits tax
After-school programming; Randomized control trials; Teen pregnancy prevention; Adolescent; Adolescent Behavior; Child; Fe
avings are collected from investors and diverted to the capital market to generate better returns for them with lower risk and volatility. He
Financialisation; New Literacy Studies
competition (economics); developing world; financial system; knowledge; migrants remittance; training
debt; financial market; income; job search; subsidy system; unemployment
ents they do not understand, and they pay excessive fees. In an August 2012, 200-page study prepared in response to a Dodd-Frank2 man
debt; financial policy; financial system; investment; lending behavior; microfinance; debt; empirical analysis; lending behavior;
n; Training-of-Teachers initiative
comparison; Translation bias
ings indicate that both conscientiousness and financial literacy are consistent predictors of asset accumulation among young Americans. A
cognition; decision making; economic geography; financial system; information processing; knowledge; World Bank
conception of f inancial literacy, as reflected in the Reserve Bank of India's Financial Literac y Guide, is packed with stereotypes of the poo
adolescent; adult; child; child rearing; economics; educational status; female; human; learning; male; psychology; student; Tur
adult; aged; Article; brain region; caudate nucleus; cognition; connectome; controlled study; economic aspect; female; financi
time inconsistence preference
ender difference
Consumer behavior; Decision making; Design of experiments; Education; Public policy; Statistics; Behavioral economics; Causa
banking; financial market; financial services; market development; Mascarene Islands; Mauritius
ovel empirical work, analysing the level and determinants of economic literacy of a sample of adults in Portugal, being unique in this respe
Finance; Behavioral changes; Emerging economies; Ethnographic study; Financial literacy; Financial products; Financial service
ing investment in their portfolio, We find that households with higher levels of financial literacy hold a relatively lower share of illiquid we
dual characteristics, multivariate regression analysis shows that a zip code's education level has a significant impact on financial literacy. T
as a form of investment in human capital. Endogenizing financial knowledge has important implications for welfare, as well as policies inte
Curricula; Engineering education; Finance; Product development; Social sciences; Teaching; Engineering course; Engineering e
Calculations; Cost benefit analysis; Costs; E-learning; Economics; Education; Education computing; Finance; Graphical user inte
d secondary schools. This commentary builds on a recent ASAP article by White, Mistry, and Chow to explore what knowledge and underst
onal wellbeing
aged; aging; comprehension; consumer; human; major clinical study; market; motivation; practice guideline; wellbeing; budge
ers to take more control over their economic lives. The Office of Financial Empowerment, part of the Consumer Education and Engagemen
Analytic hierarchy process; Financial markets; Hierarchical systems; Information management; Analytic hierarchy process (ahp
education; literacy; migrants remittance; training
ttee appointments. In contrast, chaebol (business group) affiliates and firms switching audit committee membership are associated with si
of technology
erapy (MFT) training programs do not offer courses that teach therapists how to properly address financial concerns as a part of their train
oup were made in terms of increase in matched paired objective test (30 questions), increase in matched paired students' attitude, overa
community; Seed money

; social security
Decision making; Design; Information systems; Advisory services; Consumer education; Design-science researches; Financial d
22146350
ubsistence markets
1(k) plan and the value of contributions compounding over a career. Younger workers who received the flyer were significantly more likely
worldwide have an insufficient knowledge of financial issues and a limited confidence in financial institutions and how that factors may co
cluster analysis; economics; female; financial management; forecasting; health status; human; income; male; middle aged; reti
8852006
Young household
ell-being; Socialization; Theory development
finance; household survey; knowledge; learning; planning method; retirement; United States
child health; food security; malnutrition; multivariate analysis; participatory approach; Peru; adult; catering service; Child Nutr
adult; Article; awareness; controlled study; economic evaluation; female; financial management; financial wellness awareness
ews were conducted with participants 6 months post program completion. Results indicate that improvements in knowledge and skills we
tion; Visual metaphor
ymmetry; Prisoner's Dilemma
ow-income households
adult; aged; family study; finance; food security; fraud; government; housing; human; human experiment; interview; literacy;
pment credit unions; Community development financial institutions; Cooperatives; Credit unions; Financial Literacy; Low-income borrower
MMEs); Owner-manager; Small
nes librarians' perceptions of the challenges in offering information and services in this domain; a second set of interviews centers on the p
w credit card usage and responsible payment practices. Most never use credit to pay medical expenses. Respondents display a financial lit
ransition economics
curriculum; economic development; education; learning; student; teaching
adult; aged; article; aversive behavior; behavior theory; cognition; cognitive capability theory; controlled study; cyrstallized int
nsurance literacy
Not-for-profits; Zone of insolvency

adult; article; controlled clinical trial; controlled study; diabetes mellitus; diet; drinking behavior; female; health behavior; hea
adult; age; aged; article; attitude to health; aversion; clinical assessment; cognition; cognitive defect; controlled study; decision
8827974
wing decisions. The results indicate that financial literacy is indeed negatively associated with high-cost borrowing behaviors. Other factors
with some of the additional knowledge and skills required to this end. Second and third grade Israeli students (n = 121), enrolled in three
; Theory of planned behavior
European Union; insurance system; low income population; pension system; voluntary approach; Germany
Application builds; Classroom economy; Classrooms; Financial literacy; Mobile web applications; Paper-based transactions; Pa
article; cognition; demography; economic aspect; external debt; financial deficit; human; income; information literacy; priority
eepers or to prepare the reader for a career as an accountant but to explain and illustrate all the financial techniques which are relevant to
y funds; Personal finance
10875549
by social work students. This study addressed that gap by assessing the level of objective financial knowledge reported by social work stud
10437797
d Arabs, and (c) factors affecting students' FL. The results showed that Israeli students exhibit a low level of FL and that FL is affected by ge
Pioneer Projects; intergenerational poverty transmission; matched savings; mentorship programme; personal development plan
Consumer attitudes; Energy efficient equipment; Financial literacy; Heating and cooling; Investment decisions; Residential dwe
handful of questions have become the standard measures of financial literacy in previous research, little work has been done examining w
behavior; cognition; decision making; finance; literacy
business development; entrepreneur; human capital; investment; market development; social capital; training; young populati
19439342
tion; Reentry; Rehabilitation
demand analysis; education; estimation method; experimental study; investment; literacy; secondary education; Italy
banking; developing world; economic growth; financial services; financial system; household survey; migrants remittance; pan
es; Residential property
violence have used crosssectional data to understand the determinants of physical and sexual marital violence. To identify determinants o
services; Lay consumer; Risk perception; Sweden

ons about money. This article chronicles the evolution of a curriculum toenhance and modify materials to improve learning and meet the n
arent(s) and financial information needed. Findings indicated most caregivers needed information about later life financial products and pr
Financial inclusions; Financial literacy; Financial service; Mobile storytelling; Bells; Electrical engineering
hich includes 43 items that measure constructs such as parental influence, financial knowledge and behaviors, and working experience of s
country's economy. The informal sector is one avenue that has been observed to be contributing highly to the creation of employment op
aged; article; comprehension; economics; female; human; longitudinal study; male; psychological aspect; regression analysis;
ducation for participants. In today's changing economy, financial education is essential throughout one's life cycle. By understanding learn
mental psychology; Financial literacy
ts in Hamilton, New Zealand, with samples from Japan and the USA. The authors compare not only overall financial literacy, but also litera
ogrammes of entrepreneurship and financial literacy; Unemployment of young people
di is a recent graduate of Loyola University Chicago and completed his undergraduate degree at St. Norbert's College in Wisconsin. Having
al scanning; knowledge economy; market intelligence; strategic planning
Competition; Education; Financial literacy; Financial principles; Foreign markets; Market segmentation; Market share; Marketi
oncepts and products." Investor knowledge is particularly important in an age in which retirement programs in the United States have mo
ehold finance; Portfolio allocation
girls as a way to improve their financial empowerment, opportunities, and well-being has been acknowledged by the G20 Leader's Declara
ve Congressional enactments in the United States that impact the world of finance. The enactment of the Sarbanes-Oxley Act in 2002, wit
n; Teen finances
etirement plans and those who do not. Women and those with low financial net wealth are less heavily represented among planners. Mo
Digital storage; Libraries; Publishing; Academic libraries; Emerging technologies; Fundamental component; Information literac
Cellular telephones; Commerce; Competition; Developing countries; Electric switches; Intelligent agents; Mobile phones; Rura
y; Financial satisfaction; Financial strain; Primary socialization agents; Secondary socialization agents
ant sustainability issues like the Bruntland Report, the American Indian seventh generation concept, and future ethics, the article recomme
d in the neoliberal language of value-neutrality, financial literacy education takes on a genderblind character, presuming a level playing fie
f civic literacy education, financial literacy education is often framed as promoting civic responsibility, equality and engagement. This articl
Computing disciplines; Computing education; Financial decisions; Financial literacy; Game-based Learning; Learning effectiven
al distress; Financial literacy
developments might realistically be introduced to provide support. This article is a report on a pilot study intended to inform future resear
c tenancies; Social housing
decision making; growth; household survey; literacy; Sweden
age; aged; article; attitude to health; chronic disease; cognition; community living; comprehension; decision making; depressio
eracy; Heuristics; Imperfect information; Nudging; Trust
hree large companies to assess how individuals are planning for retirement. Many respondents display limited knowledge and understand
is; equity market structure; equity premium; ETFs; financial innovation; financial literacy; flash crash; global financial crisis; high frequency
agricultural finance; cognition; debt; decision analysis; developing world; educational development; farmers knowledge; litera
rcome: the lack of a widely disseminated measure of financial literacy, developed through rigorous psychometric analyses. In this article, w
s; Retirement
consumption behavior; finance; household expenditure; United States
adolescent; article; demography; educational status; female; finance; financial management; human; information literacy; ma
adult; article; economics; education; financial management; human; income; methodology; retirement; United States; Adult; E
article; economics; ethics; financial management; human; legal aspect; methodology; New Zealand; policy; poverty; Economic
ies; South-Eastern Europe
8963568
do not master financial concepts such as interest compounding, inflation, and risk diversification that are the basis for sound financial dec
financial illiteracy. While most of these studies report on the experience from the developed world, very little is known on the subject ma
Africa; Botswana; health care financing; health care management; health care personnel; health care policy; health care system
age; aged; article; cross-sectional study; daily life activity; financial management; health behavior; health literacy; health statu
Well-being; Older People

finance; investment; planning practice; retirement; savings; stock market
ancial literacy; first year experience; innovation; outreach
microeconomic theory; principles of economics
adult; anthropometry; article; attitude to health; female; financial management; food; government; health; health education;
uple makes the financial decisions. Blinder-Oaxaca decomposition reveals the majority of the gender gap in financial literacy is not explaine
discrete choice analysis; financial crisis; financial system; literacy; probability; stock market; Australia
adolescent; adult; aged; article; battered woman; behavior; clinical trial; economics; educational status; female; human; huma
education; financial market; financial system; OECD; organizational framework

nagement; Gender; Income; Malaysia; Malaysian employees; Marital status; Saving behavior
ting to financial literacy. However, the conditions determining the requirements for financial education are highly dynamic and are becomi
teracy Education: Neoliberalism, the Consumer and the Citizen this particular literacy is argued to be both ineffective and unjust. Socially c
on format; Investor knowledge

article; brain injury; employment; human; income; major depression; posttraumatic stress disorder; social adaptation; statistic
g order theory; Small enterprises
Curricula; Education; Engineering education; Industrial research; Iterative methods; Motivation; Students; Teaching; Interdisci
ation theory
here job security is declining. Individuals' structural locations in the labor market expose them to diverse risks for employment and incom
novel survey evidence from Indonesia and India with a field experiment. We find a strong correlation between financial literacy and beha
ttention; Usability
adult; article; clinical article; economic aspect; female; financial management; high risk behavior; human; Human immunodefi
budget; daily life activity; economics; human; mental disease; mental health; mental health service; mental patient; methodol
etirement; Saving
etirement; Saving
uestionnaire
anning; savings promotion campaign in Japan; wealth accumulation
ment planning
India; Longevity risk; Morbidity; Mortality; Pensions
0922680X
olio choice; Risk diversification
cs; Thinking about retirement
vings behavior
Financial literacy; Learning effectiveness; Learning outcome; Learning programming; object-oriented programming (OOP); Fina
rtainty, showing high response rates and response patterns that are reliably related to qualitative measures of uncertainty. Heterogeneity
duals have limited knowledge regarding financial issues and are ill prepared to make sound financial choices. The purpose of this article wa
" and the complexity of products. The paper also rightly stresses the crucial role of advice and the problems that come with it. Most impor
nterview for a job, work, earn a paycheck, and pay financial obligations. After paying expenses and trying to put some money away in savin
nce; Short-term investment
ors of this manuscript explore the reasons for this omission, particularly the mathematics education component, and clarify the issues sur
ation; TPACK
nthropies, service organizations, and others are creating initiatives for these students. Over the past three years the University of La Verne
atters and their knowledge in selected areas of personal finance. The research finds that the level of financial literacy is low in all of the sch
ptive statistics, correlation analysis, and hypothesis testing. We find that Japanese students, overall, outscored all others in the sample reg
ble development; Environmental sustainability; Social skills; Social sustainability; Sustainable development; Sustainable production
heterogeneity; hypothesis testing; international comparison; literacy; macroeconomics; panel data
aging population; cognition; financial provision; literacy
al literacy; Financial regulation; Housing discrimination; Sub-prime lending

eracy; Financial socialization; Parental influence
ement rate; Retirement policy; Retirement preparedness; Retirement security; saving
ncial literacy is essential to understand educational impact as well as barriers to effective financial choice. This article summarizes the broa
g financial literacy and its impact. This editorial prelude suggests one way that educators might use this issue as well as a previous (Summe
al literacy are touched on. Organizations providing financial literacy and education are identified with their corresponding agendas and ava
financial knowledge and that household financial wealth can be a factor leading to the acquisition of financial literacy. This article investiga
al literacy are touched on. Organizations providing financial literacy and education are identified with their corresponding agendas and ava
d of young adults possess basic knowledge of interest rates, inflation and risk diversification. Financial literacy was strongly related to socio
y to describe the knowledge, skills, confidence and motivation necessary to effectively manage money. As a result, financial literacy has va
ations have been reported by individuals who are female, poorer, single and less educated. Our results suggest that these demographic diff
curriculum; debt; education; financial system; household income; interest rate; knowledge; socioeconomic impact; university
conceptual framework; economic structure; governance approach; homeowner; homeownership; housing market; investmen
al concepts and their ability to apply these concepts by making situation-appropriate financial decisions. Low levels of financial literacy and
ent return. Subjects overwhelmingly fail to minimize fees. We reject the hypothesis that subjects buy high-fee index funds because of bun
article, we argue the case for rethinking financial literacy and the need for integrated solutions that explicitly incorporate solutions to beh
204277
oice provides consumers with a great number of options, it also requires that they be equipped with the information, knowledge, and skill
omic policy; history of rate ceilings; interest-rate ceilings; law reform; low-income credit markets
income; pension system; retirement; savings; social policy; social security
Engineering curriculum; Engineering department; Financial literacy; Market-based engineering; Undergraduate engineering pr
The current study is the first to scrutinize the outcome of participation in the Individual Development Account program in order to fill this v
10535357
Australian teenagers presents a challenge because most adolescents have limited financial resources, their management of costs associate
ols in two large school districts in Orange County, California. Students were enrolled in the compulsory, semester-long economics course,
e market education; Globalization and education; School commercialism
2680939
management practice; occupation; social work; student; teaching; training
thematics, a simple calculator, and basic computer spreadsheets can be used to break down and understand even the most complex loan
es; Occupational pensions; Pensions; Risk management; Savings rates
finance; financial crisis; labor policy; marketing; policy reform; savings; welfare economics
consumption behavior; decision making; economic impact; forecasting method; inflation; perception; Eurasia; Europe; Ireland
-class students. Part of a design-based research investigation aimed at creating culturally-relevant financial literacy learning environments
BC partners with microfinance institutions and other organizations to empower micro-entrepreneurs among India's rural poor, who in turn
ated the construction of a single index of financial sophistication that best explains a set of three investment mistakes. The index of financi
ement course
article; comprehension; health insurance; human; methodology; motivation; teaching; United States; Comprehension; Health
od of enduring economic prosperity creates a favorable environment for the emergence of what he called a Ponzi process. The forces that
article; course evaluation; financial management; health care personnel; human; learning; medical education; medical student
c journals of this genre. Divided into three sections - research, pedagogy and information about the economic education profession - this
tional even if they are not yet global, have had an impact on actors in a diverse range of settings including education, culture, policing, prob
Computational intelligence; Credit cards; Financial literacy; Relative contribution; Artificial intelligence; Innovation; Sensitivity
nce between respondents knowing the correct answers to basic knowledge questions and correctly guessing the answers to those questio
f ability to make age-appropriate financial decisions in their own self-interests. Low baseline results in 1997 have further deteriorated with
gates the impact of previous training in economics on the students' knowledge at the beginning and end of the principles course. The curr
idence demonstrating the impact of financial education programs. We advocate for the adoption of a comprehensive framework for evalu
Ann models; Artificial neural network models; Credit cards; Financial literacies; Income levels; Modelling techniques; Neural ne
mplex, consumers ' inability to understand them has become increasingly apparent, and the consequences of this inability more dire. In re
education policy; literacy; poverty alleviation; social work; welfare reform
adolescent girls particularly vulnerable. Social factors, such as friendship networks, and economic factors, such as financial literacy and fina
ning and training on how to use the Internet, can help low- and moderate-income individuals in inner-city neighborhoods be more effecti
escribes the mission, history, and deliverables of the Financial Security for All (FSA) CoP of extension, the Cooperative Extension System's
child welfare; government; policy implementation; public administration; welfare reform; Eurasia; Europe; United Kingdom; W
anning; workplace financial literacy

sory committee; Trinidad and Tobago
Overconfidence; Perceived returns; Portfolio return; Return estimation; Self-assessment
od practice and provide frameworks for developing programs throughout the school curriculum. The most recent of these is Determined to
Pensions; Retiree income; Retirement risk management; Social security; Wealth distribution
ponsibility and choice, what is the impact of this shift on the working poor? Lack of pension coverage is a significant concern because Socia
es grow. While some educators believe that financial education can improve a family's financial security, others question the effectiveness
ndates in the UK and Canada to identify how national regulators represent the role of the literate consumer in the financial market place.
s is the area where levels of capability are highest. At least half of the UK population needs reminding that it is dangerous to live for the da
Credit cards; Financial aspects; Financial literacy; Generalization ability; Modelling tools; Simulation model; Finance
nts; PCAOB certifications; Sarbanes- Oxley
0007666X
d policy makers. It seems that nearly everyone is talking about it. For example, in November 2004 the GAO released the highlights of a for
Debt leverage; Financial decision-making; Financial statement analysis; Financing corporations; Not-for-profit accounting; Sust
Computational burden; Engineering economics; Engineering economy; Engineering project; Financial literacy; Financial models
banking; financial services; income distribution; remittance; Central America; Guatemala [Central America]; North America; Un
d universities improve general economic literacy, more and more of these courses are being taught online. There has been considerable re
n five college campuses. Students reported an average of $1,035 (SD=$1,849) in debt, including students without credit cards or credit-ca
economic growth; household survey; inflation; macroeconomics; perception; qualitative analysis; quantitative analysis
article; economics; financial management; human; insurance; Internet; nurse; nursing education; organization and manageme
achievement; adolescent; adult; article; child; classification; commercial phenomena; forecasting; human; learning; methodolo
neuroleptic agent; disability; education; employment status; evidence based practice; health care policy; health economics; hu
adolescent; article; child; commercial phenomena; education; educational status; forecasting; human; industry; learning; stud
development aid; housing; incentive; Idas
consumption behavior; sustainability
Finance; Industry; Management; Managers; Paper; Personnel training; Financial literacy; Financial training; Newspaper manag
f financial literacy similar to those suggested for members of audit committees by the NYSE-NASD Blue Ribbon Committee. These metrics
analysis of variance; attitude; demography; education; financial management; human; law; methodology; questionnaire; revie
e-related developmental theories, and economists have focused upon measures of economic literacy. Anthropologists and sociologists hav
elderly care
oal for the first course is to provide students with a self-contained opportunity to attain a deeper understanding and working knowledge o
ective financial education programmes and by promoting the exchange of views and the sharing of experience in the field of financial edu
adolescent; article; child; curriculum; disabled person; economics; education; educational status; financial management; gove
may be the result of poor family financial management and low financial literacy levels. The collective response by public and private organ
or the hypothesis that employees who participate in workplace financial education more fully understand personal finances and recognize
bility of planning for retirement. 1 To take full advantage of the opportunities now available, households must possess sufficient financial
Business schools; Capital investment planning; Cash flow statements; Curricula; Engineering education; Investments; Problem
Accounting courses; Cash flow; Entrepreneurship; Technical materials; Economic and social effects; Engineering; Engineers; Pr
accounting; article; board of trustees; education; ethics; human; professional competence; public relations; social behavior; st
ult evidence, from eight disciplinary areas, for them to evaluate adequately. This paper reports the responses of a sample of ten expert acc
banking; information technology; microfinance; small scale industry; technological development
nd upper secondary students across diverse educational systems. One of the major aims of the study on upper secondary students was to
oyment, illness etc.) of the growing social problem of over-indebtedness. Therefore financial education is becoming more and more impor
ng, twenty of the thirty-one states included in the study had some kind of educational policy in the area of personal financial managemen
Curricular activities; Engineering economics; Engineering program; Schools; Computer simulation; Cost accounting; Curricula; M
etween claiming benefits and waged work or to recombine both afresh. It highlights the ways in which British Government policies to redu
essment of Economic Education survey, I find that a student's perception of the helpfulness of economics in thinking about getting more e
financial services; retail industry; service sector; UK
er economics course for pre-service education majors and in-service classroom teachers. The dual emphasis on content and application al
to inform policy and also to provide evidence to the Review of Higher Education in the United Kingdom (Dearing, 1997). The research stud
test designed to measure a student's level of economic understanding, was administered to 665 students. The students' scores were anal
del to separately estimate the determinants of an investor’s choice of distribution channel and level of financial literacy, a bivariate probit
n and training
ance, with the latter outperforming the former. As with the scores of high school students, adult scores were positively related to both the
e to an end with the last issue of the last of the reviews in May 1993. The publications of the British banks were part of an international ge
on makers within organizations, no matter what their official status might be, if those organizations are to function effectively. Traditionall
mance on an achievement test. The statistically significant factors were combined SAT scores, the teacher's course work in the subject ma
own to perform better than American students at both eleventh and twelfth grade levels. © 1991 Taylor & Francis Group, LLC.
© 1990 Taylor & Francis Group, LLC.
Molecular Sequence Numbers
ements; Financial services industries; Government agencies; In-depth interviews; Qualitative approach; Qualitative data analysis; Tertiary
cept and programs to build financial literacy. Despite research that reveals these limits, the field has either persisted with this narrow defin
interest rates, as well as questions to measure more advanced knowledge related to financial market instruments (stocks, bonds and mut
mental variables at the local level. We separately analyze the three indexes that define the OECD financial literacy index—Financial Attitude
ment; rural economy; rural population; vulnerability; Ireland
literacy; major clinical study; nursing education; personal experience; qualitative analysis; self evaluation; test retest reliability; United Sta
ndividualization; Israel; literacy; logic; male; morality; personhood; responsibility; risk management; uncertainty; welfare
Entrepcomp framework outlined by the EU Commission in 2016 highlighted that entrepreneurship focused on all aspects of society, not ju
financial literacy in Chile. In the first study, we find that willingness-to-invest increases (decreases) when subjects observe (do not observe
hese risk factors and is grounded in definitions of vulnerability from financial regulation bodies and government agencies such as the Consu
on; valuation; Sri Lanka
port; child; clinical article; education; empowerment; female; human; juvenile; language; literacy; male; randomized controlled trial; semi s
nior high schools; Mathematics learning; Mathematics teachings; Students

eforms; Financial literacy; K-mean clustering; Life skills; Math anxiety; Two ways; Students
cial plan; Game design; Gamification; Persuasive Behavior; Survey design; Finance
n; literacy; male; scale up; wellbeing; Western Australia
tive web applications; Primary and secondary schools; Secondary schools; Students' interests; WEB application; Students
rofitability; remittance; Tajikistan
e is long way to go to achieve the dream of universal financial inclusion, there is no doubt that tremendous progress has been achieved in
tem; Germany
ignettes; Finance
Design; Interactive website; Learning process; On-line assessment; Quantitative and qualitative analysis; Secondary mathematics; Studen
; social security; social work; theoretical study; vulnerability; South Africa
ducational Progress (NAEP); Teaching strategies
ovide higher incomes and social insurance to the members, also facilitate the spread of misinformation regarding Ponzi schemes and hurt
atively large sample of participants (n > 2,000) recruited from Amazon's Mechanical Turk under different categories of investment experie
o posttest improvement in financial literacy on almost one of eight questions, with about one-third of the increase in correctness attributa
ncial and health literacy. We find that using the internet for such information increases literacy significantly: doing so frequently (versus no
owever, the cognitive effects of financial burden can impair financial decision making. If financial literacy educators are to empower consu
anning; Game design; Gamification; Market researches; Retirement planning; Younger generations; Investments
use data from pooled 2012 and 2015 waves of National Financial Capability Study to examine whether state-mandated financial educatio
rvey data, we find that OFK and FKNI enhance 401(k) account holders' risk-taking and investment quality. We also find a unique role of SFK
t control; economic evaluation; empowerment; female; financial management; high risk behavior; human; Human immunodeficiency viru
Mortgage; Investments
major clinical study; male; retirement; aged; decision making; economics; information literacy; middle aged; pension; psychology; questio
tatus; Zimbabwe
human experiment; immigrant; interview; literacy; lowest income group; male; money; nonhuman; perception; qualitative analysis; social
oping roles for academic libraries in financial education. Via a survey of academic librarians at large universities of more than 10,000 stude
nt and economically meaningful predictors of retirement savings. These relationships hold controlling for cognitive ability, financial literac
vestment; learning; medical education; quality of life; radiation oncologist; resident; review; sound; student; economics; female; male; pro
eracy education. However, we find the benefit of participation in financial literacy education is higher for whites than that for minorities. T
n of causality by applying instrumental variable techniques based on information about maternal education. We also exploit information o
an Region: Bolivia, Colombia, Ecuador, and Peru. The empirical analysis underlines the centrality of numerical abilities, different subfacets
hological test; predictive value; problem solving; regression analysis; young adult; Economics; Executive Function; Female; Humans; Langu
ndownership; lending behavior; residential location; Tanzania
xico [North America]; Turkey; Uruguay
de; resource use; small and medium-sized enterprise; sustainability; Sri Lanka
ehavior; Nigeria
o achieve inclusive growth. Financial inclusion is just not an economic concept rather it is termed as a socio-economic concept, as it helps
on; Enterpreneurship; Financial literacy; International projects; Knowledge society; Life long learning; Productivity and competitiveness; M
but positive liquid assets, borrower-savers have very different perceptions of future credit access risk and use credit cards for precautiona
ng; student; sustainability; sustainable development; teaching; Switzerland

udent; training; Spain
e; demography; education program; financial literacy; financial management; highest income group; human; investment; investment know
ugh their financial literacy centres, and the traditional bank agents continue playing an important role in this process despite non-tradition
ducation program; female; gender; human; human experiment; linear regression analysis; literacy; long term exposure; major clinical stud
for Learning
14706423
e; hemoglobin; literacy; perception; public h
f financial literacy—and therefore obtain insight into the factors predicting it. Our study evidenced low levels of debt literacy and its overe
evaluation of microfinance that only focuses on women's economic empowerment through their ability to access financial resources. Rat
debtedness are the borrower's age and financial literacy; the household's entrepreneurial activity, income level, and spatial location; and
nance; Learning systems; Students; Electrical engineering students; Financial education; Financial literacy; Financial managements; Financi
ent 5 topics every graduating medical student, resident, and young surgeon should understand to start the path to financial independence
d goal-specific compounding and inflation protection. These income-only real bonds, with a forward start date, would pay investors for the
esource availability; small and medium-sized enterprise; sustainability; Pakistan
anagement; harm reduction; human; Human immunodeficiency virus; Human immunodeficiency virus infection; incidence; income; Kazakh
dents; Farming communities; Financial education; Financial literacy; Financial managements; Household savings; Undergraduate software
; human; human experiment; literacy; male; randomized controlled trial; structural equation modeling; student; wellbeing
cial illiteracy; Knowledge; Small and medium enterprise; Finance

teracy; Third life age; Finance
nd characteristics. We document heterogeneity in returns across households, which can be partly explained by financial sophistication. A
cial literacy; High school students; International students; Life-long educations; SWOT analysis; Students
did not have a significant effect. The predicted likelihood of delinquency at the 10th percentile of objective literacy was over three times as
mpact their educational future. Despite reactive attempts at creating on-campus food pantries, financial emergency funds, and financial li
al decisions; Financial education; Financial literacy; Game-Based; Learning outcome; Traditional instruction; Students
now at least three out of the four financial concepts. Women, poor adults, and lower educated respondents are more likely to suffer from
i method; Elementary schools; Financial education; Financial literacy; Managerial implications; Primary schools; Finance
escribes the Understanding America Study (UAS) panel used in the current effort, and presents results of wave 1 and wave 2 of the UAS su
n terms of the advance of human well-being. Another problem is the counterintuitive nature of even elementary implications of economic
on; Financial illiteracy; Financial literacy; Literature reviews; Research topics; Finance
decisions; Financial education; Financial literacy; Goal setting; Finance
nography; Financial inclusions; India; PayTM; Finance
to bank credit, which accounts for the bulk of their financing options: tight credit conditions, stringent collateral requirements, complex a
ehensive assessment; Energy literacy; Financial literacy; Knowledge; Sustainable energy; Energy policy
tion; Web services; 50/20/30 Rule; Android; Financial; Google Vision Cloud API; Mobile; Notification; OneSignal API; Application programm
acy; major clinical study; male; neuropathology; priority journal; sex difference; TDP 43 proteinopathy; very elderly
nagement; human; human experiment; individualization; literacy; veterinary student; animal; curriculum; economics; medical student; Un
ial education; Pension system; Simulation; Pension plans
9781950492206
a; Information literacy; Mobile literacy; Poor; Developing countries
e satisfaction; literacy; major clinical study; male; Netherlands; probability sample; theoretical study; wellbeing
omic evaluation; education; employment; female; health literacy; human; income; major clinical study; male; self concept
ntrol ability on saving behavior, as well as the interaction of PFA and self-control on saving behavior. We extend the dual-self model of imp
s; Cloud-based applications; Digital transformation; Finacial governance; Financial managements; Governance activities; Information techn
teracy; Geographical dispersions; Investment decisions; Japan; Old age; Investments
sonal finance
ey; Organisation for Economic Co-operation and Development; socialization; student
10580476
llege economics; Upper secondary school specializing in economics; Vocational training

nical study; middle aged; retirement; Spaniard; wellbeing; worker; economics; employment; female; income; investment; longitudinal stud
13504851
pirical data; Financial literacy; Functional approach; Social research; Students
Formative models; Mediating effect; Partial least square (PLS); Research designs; Research studies; Finance
; Kedah; Kelantan; literacy; Malaysian; male; money; Penang; Perak; questionnaire; Selangor; Terengganu; wife
; human; interview; literacy; offender; pediatric hospital; pediatric patient; poverty; primary medical care; stress; trust; female; health care
nancial education; Financial literacy; International students; Investment projects; Market development; Education computing
acy; lowest income group; major clinical study; structural equation modeling
human; human experiment; literacy; major clinical study; randomized controlled trial; cross-sectional study; education; income; procedure
JOADE
that regime is premised almost entirely on disclosure as the best form of investor protection and, by extension, on investors' ability to un
ofit organization; poverty alleviation; security; Boston; Massachusetts; United States
onomic conditions; statistical data; Russian Federation; Yevrey
; Distributed data; Financial literacy; Independent samples; Mann-Whitney; T-tests; Behavioral research
trepreneur; Financial literacy; Literature reviews; Small medium enterprise; Specific knowledge; Technology implementation; Finance
teracy; poverty; regulatory approach; tenure system; urban housing; urban policy; Tanzania
avings; training; welfare impact; South Africa
human; interview; literacy; male; randomized controlled trial; tight junction; child parent relation; community participation; education; Illin
tem; Financial literacy; Information asymmetry; Laws and regulations; Legal constructions; Personal credit; Problems and countermeasure
th an organized starting point to explore individual behaviors and new technologies used in financial innovations. The explicit and growing
400912
anagements; Partial least square (PLS); Small and medium enterprise; Structural equation modelling; Technology application; Technology
al literacy; ICT literacy; Indonesia; Finance
s; Demographic characteristics; Discounted costs; Energy-efficiency gaps; Financial decisions; Financial literacy; Energy efficiency; consump
university sector; Europe
gs; sustainability; Ghana
enditure; literacy; policy approach; policy making; regulatory framework; Europe
nal contents; Financial decisions; Financial literacy; Individual decision making; Information sharing; Learning; Video; Willingness to share;
cational status; female; financial management; health literacy; human; major clinical study; male; path analysis; patient decision making; v
vulnerability; Texas; United States

ns status; Italy
major clinical study; male; multivariate analysis; nursing education; nursing management; professional development; registered nurse; reti
managing and handling of one's financial affairs. It is a misnomer that graduates of tertiary education are financially literate or are qualifie
iteracy; human; independent living; male; neur
echnological development
a of financial products but the knowledge is either not there or limited to make judicious choices. The successful implementation of financ
risk of exhausting the phased withdrawal account before the end of life. We find that more numerate individuals who put effort into unde
nclusion, but to be successful, they need to understand how to accurately target and market their potential customers as well as the new a
ated if particularly the latter two instruments could serve as standalone alternatives (nudges) to conventional teaching interventions. Use
e been many formidable challenges in financial inclusion for bridging the gap between the demand and supply side. The chapter deliberat
globalization such as industry 4.0, new manufacturing methods, socio-technical modelling, cloud technology and accounting, international
apter is dedicated to a particular component of financial literacy from education to capability. Throughout the book, there are many practi
vanished, and often rejected through the higher education pipeline. Research regarding access to education shows that money matters to
eer Choice; Dermatology; Humans; Internship and Residency; Training Support; United States
y approach; Bangladesh; Canada
search; Sensitive datas; Human computer interaction

thnography; Financial capability; Financial inclusions; Finance
of educations; Owner/manager; Small and medium enterprise; Finance
of this difference. More literate households hold riskier positions when expected returns are higher, they more actively rebalance their po
estment; literacy; major clinical study; male; outpatient department; patient referral; Sikkim
estment; literacy; literature review; meta-analysis; poverty alleviation; savings; socioeconomic impact; Sub-Saharan Africa
he highest financial literacy and that with the lowest. Multivariate regressions show that there exist large and statistically significant gende
st control; cost effectiveness analysis; female; financial management; high risk population; human; Human immunodeficiency virus infectio
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Household Finance; Perceived Financial Uncertainty; Personal Finance Blogs
eracy; General knowledge; Money management; Multiple choice; Students

ese schemes within the context of financialization and seeks to identify strengths, weaknesses, and ways to enhance the well-being of vuln
male; follow up; human; human experiment; information processing; juvenile; literacy; male; publication; questionnaire; randomization; r
; Cape Coast; Central Region [Ghana]; Ghana

ion model was used to see the impact of demographic variables on the levels of Financial Literacy. The results indicated that the level of F
ct; immigrant population; literacy; research work; Australia
thod: In the absence of a standard measure, a financial literacy index was constructed for the country using data collected on attitudes (to
ucation; Financial inclusions; Financial literacy; International comparison; Money; Secondary sources; Portals
tion; Electricity-consumption; Financial literacy; Happiness Index; Household energy; Household expenditure; Renewable electricity; Renew
ve diseases; Portals; Social sciences computing; Advanced technology; Competencies; Digital dementia; Financial education; Financial inclu
ature; Employment opportunities; Entrepreneurship; Financial literacy; Financial managements; Regional development; Savings; Decision m
tructivist approaches; Economic empowerment; Financial literacy; Financial year; Kenya; Women entrepreneurs; Finance
s; Financial literacy; Household members; Level of educations; Retirement planning; Socio-demographic characteristics; Standard of living;
stems; Risk management; Semantics; Surveys; Biases; Data summarizations; Emotions; Financial literacy; Natural languages; Questionnaire
y; depression; female; financial management; hospitalization; human; major clinical study; male; medicare; physical activity; priority journa
ings; training; Addis Ababa; Africa; Ethiopia

lity; Financial literacy; Financial resources; Mobile bankings; Products and services; School students; Short term; Students
al well-being; review; self concept; victim; financial management; Financing, Personal; Humans; Intimate Partner Violence
onal status; financial management; follow up; health insurance; Hispanic; human; insurance; knowledge base; literacy; medical student; Ne
erest rates; Regulatory actions; Representative sample; State intervention; Time value of money; International trade
ing; Financial literacy; Investment decision making; Making decision; Optimal choice; Robo-advisors; Decision making
educational needs. Objective: The objective was to describe the financial knowledge, attitudes, and experiences of residents to inform the
ging economies; Financial literacy; Money attitudes; Structural equation modelling; Theory of planned behaviour; Surveys
es; psychology; social work; young adult; Adolescent; Female; Humans; Income; Kenya; Knowledge; Literacy; Male; Poverty; Social Work;
ments; Planning; Decision Inertia; Decision supports; Financial decisions; Financial literacy; Financial planning; Investment decisions; Nudg
s of panel data available in the United States. It includes over 50 survey modules on topics such as retirement planning, economic well-bei
platforms; Effective communication; Financial literacy; Google Analytics; Pilot projects; Public interest; Public administration
w those characteristics have changed over time. While the view of payday loan clients as a financially vulnerable population is consistent w
anic; human; human development; human experiment; immigrant; leadership; literacy; male; neighborhood; quality of life; resident; staff;
cussion of environmental issues alongside other perspectives such as, political, social and technological since students should be encourag
etting; Individual levels; Large-scale studies; Smart-phone applications; Smartphones
tion; middle aged; physiology; self evaluation; task performance; young adult; Adolescent; Adult; Aged; Female; Human Development; Hu
ent; Gross domestic products; Impulse response functions; Non-macroeconomic factors; Stock market volatility; Variance decomposition;
nalysis; adult; Canada; clinical competence; female; health personnel attitude; male; needs assessment; professional competence; self rep
on Islamic banking
l study; pilot study; privacy; publication; retirement; sampling; Scotland; social care; social network; study design; aged; aging; family size;
ealth insurance; human; male; middle aged; poverty; rural population; socioeconomics; statistics and numerical data; Adult; Bangladesh; D
sis; crossover procedure; female; fever; gender; hospital; human; immunization; India; literacy; male; medical information; mother; motiv
repreneurship; Intangible; Social and sustainability values
ments in a secure and reliable manner. The Atal Pension Yojana (APY) combines elements of defined benefit and defined contribution from
Virtual reality; Barriers to adoption; Bitcoin; Investment community; Perceived behavioral control; South Africa; Sub-Saharan countries; Sys
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tise, volunteers, and funding for a financial literacy program. Youths benefited from improved financial literacy. A Teens Reaching Youth (T
e; financial management; Financial Wellbeing Questionnaire; high risk population; human; income; internet addiction; major clinical study
ngs; Central Asia
al institution; Financial literacy; Gamification; Gamified learning; Microlecture; Mobile Learning; E-learning
man tissue; literacy; major clinical study; male; middle aged; retirement; socialization
etirement; savings; Germany
teracy; major clinical study; randomized controlled trial; Rwanda; Social Cognitive Theory; student; teacher
ation skills; Financial literacy; Mobile Cartoons; Quasi Experimental; Education
analysis, the dependency of school success of 138 Czech students with an above-average intellectual level on the personality of the teach
y; political economy; socioeconomic impact; Singapore [Southeast Asia]
; literacy; lowest income group; Manitoba; Ontario; physician; poverty; primary medical care; registration; scientist; social determinants o
ncial literacy; Multiple comparison; Personal characteristics; Research studies; University students; Work experience; Students
and how can evaluation contribute in times of turbulence? Examining the state of evaluation today, the volume's editors cover a broad ran
ower levels of overall financial well-being. After controlling for other relevant predictors of persistence, regression results showed that stu
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ancial investments; Financial literacy; Gamification; Online questionnaire; Quantitative study; Technology acceptance; User's intentions; S
system; adult; consultation; health insurance; health status; health survey; high risk behavior; human; literacy; middle aged; single (marita
JHECD
anagement; food assistance; food insecurity; food security; household; human; independent variable; least square analysis; literacy; majo
14994046
arrassment (Bradford, 2011). Homeowners that once lived in upper middle-class communities achieving the American dream faced the ho
onnel; health insurance; health literacy; human; patient decision making; priority journal; shared decision making; social determinants of h
human; literacy; major clinical study; male; manager; medical record review; middle aged; outcome assessment; patient referral; physicia
al education; Financial literacy; Financial products; Financial training; Solid contents; Social networking (online)
neoliberalism
eracy and numeracy levels across different countries. It suggests that low levels of financial literacy and numeracy found amongst consume
dynamically respond to the current situation. This paper deals with an original collection of educational materials developed by the author
or; human; human experiment; literacy; longitudinal study; male; psychology; randomized controlled trial; statistics; undergraduate studen
ative way of thinking about the project on financial literacy education. Using the concepts of 'edu-regulation' and 'financial knowledge dem
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th young and old women show low levels of financial literacy. Moreover, women for whom financial knowledge is likely to be very import
ult. The relation between face-to-face broker–borrower interaction and mortgage performance holds only for borrowers that have charact
Mumbai in 2006 with the mission to solve problem of financial exclusion, FINO entered the market riding on the biometric smartcard and h
education; procedures; questionnaire; statistics and numerical data; university hospital; Academic Medical Centers; Adult; Cross-Sectiona
ed study; cost effectiveness analysis; developing country; empowerment; female; follow up; girl; Herpes simplex virus 2; human; Human im
Classroom lecture; Financial literacy; Higher learning; Instructional strategy; Learning experiences; Positive emotions; Education
71013
re system; health insurance; health literacy; human; retirement; search engine; sound; aged; decision making; economics; health care del
d welfare; coping behavior; demography; development; education; education support; ethics; financial literacy; foster care; health progra
ure; Conceptual frameworks; Financial literacy; Financial managements; Grounded theory; Investment theory; Qualitative study; Behaviora
r; Financial literacy; Investor Awareness; Online monitoring; Village Level Entrepreneur; Economics
r; Financial literacy; Investor awareness; Online monitoring; Village level entrepreneur; Economics
tatus; female; health literacy; human; longitudinal study; male; proportional hazards model; psychology; sex factor; very elderly; Age Facto
female; human; interview; male; middle aged; patient education; procedures; questionnaire; United States; Breast Neoplasms; Cohort Stu
e role of a variety of financial literacy measures to explain observed financial advice consultation. Second, we introduce a newly develope
t how insurance coverage impacts consumer well-being and the role health and financial literacy play in achieving well-being. We then int
y; legislative implementation; policy implementation; trade-off; Australia
pts of financial literacy: scarcity, exchange, money, saving, and giving. The practical and hands-on classroom activities they propose integr
l; social work; student; university
ulation; microfinance; rural finance; statistical analysis; Uganda
onal relevance; Processing fluency; Regulatory resource depletion; Resource-matching perspective
er, there remains a paucity of research exploring how Australian teachers make sense of and approach their work as financial literacy educ
underachievement in education or financial literacy on the part of Black Americans, as might be suggested by the conventional wisdom. Al
alian students by exploiting the large amount of OECDPISA (Programme for International Student Assessment) data. Through the specifica
ancial assets; Financial decisions; Financial literacy; RRetirement; Separate analysis; Finance
ves to financial decision making and financial vulnerabilities. The implications of these findings are discussed in the context of financial lite
Business management; Financial literacy; Financial managements; Personal qualities; Student populations; Undergraduate students; Fina
e processing systems; Semantics; Soft computing; Surveys; Data summarizations; Financial literacy; Linguistic terms; Natural languages; Po
iteracy; ICT4D; Knowledge economy; Mobile applications; Primary education; Primary school children; Education
rmal education; Public schools; Education
g; Sustainable development; And persuasion; Financial literacy; Intermediaries; Life insurance; Religiosity; Risk aversion; Saving motives; So
rol; Risk aversion; Finance
graphic factors including a set of financial literacy questions. Not surprisingly, FR employees are substantially more financially literate than
Sustainable development; Financial literacy; Latvia; Macroeconomics; Personal budget; Youth; Economics
ng behavior; mapping; poverty; socioeconomic conditions; Matabeleland North; Matabeleland South; Zimbabwe
ecome a leader in its industry by strategically using technology to broaden its reach to under-served consumers in rural communities with
n; information literacy; Internet; longitudinal study; male; medicaid; medically uninsured; middle aged; priority journal; self report; young a
The Public Librarian's Toolkit (Libraries Unlimited). She also coauthored a peer-reviewed article for Reference Services Review, "Engaging w
im consumer
ation; training; Nicaragua
bility study; Federal Territory of Kuala Lumpur; female; financial management; gender identity; grounded theory; health literacy; human; H
lar personal finance genre and financial literacy library programming respectively. The author will explore how library programming and th
nancial literacy; Mobile Learning; Personalized learning; Touch interfaces; Digital devices
pothesis is not directly applicable. For these products, we expect the value of the financial options and guarantees provided to the policyh
pharmacist; pharmacy
Path analysis is used to explore this model. The proposed model was found to be basically sound, with some notable negative findings. So
rable population
n; lowest income group; qualitative research; semi structured interview; thematic analysis
rsonal communication; interview; male; mental stress; middle aged; organization and management; social work; socioeconomics; United S
n; human experiment; psychologist; psychology; training; curriculum; economics; education; health care delivery; psychology; United State
al training comes from statewide changes in high school graduation requirements. Using a flexible event study approach, we find that both
ts developed financial literacy brochures that would be relevant to students and the community at large. The pamphlets were used in two
students lack the financial acumen to understand the long-term ramifications of misusing financial aid. Financial literacy education is incre
more than two decades has been the student loan cohort default rate (CDR), which measures the percentage of an institution’s student bo
e presented. Its goal was to map financial literacy in adults in relation to possibilities and offers of further education. Debts are often accom
an; human tissue; Internet; major clinical study; multiple linear regression analysis; responsibility; adolescent; aged; attitude to health; dec
vior assessment system for children; building bridges to fatherhood program; Center for Epidemiological Studies Depression Scale; checkli
reviews; Parents; Teens; User enactments; Finance
th Theatre; Social justice plays; Teaching financial literacy; Theatre for young audiences; Theatre in education
psychometry; questionnaire; reproducibility; standards; student; university; validation study; young adult; Adolescent; Adult; Female; Hum
Sensory perception; Uncertainty analysis; Cost and benefits; Cost distribution; equity; Mean-preserving spread; Proportional-share; Public
ology; change; Educational process; Electronic education; examination; Managerial accounting; Part-time students; results; Social applicati
de; gender; literacy; low income population; maize; quantitative analysis; risk assessment; smallholder; theoretical study; vulnerability; Ba
financial literacy; financial management; human; male; neuroimaging; priority journal; right hemisphere; white matter; aging; brain; comp
y; health insurance; health literacy; health program; human; long term care; medical decision making; cost; decision making; economics; fe
e; male; medication compliance; mental stress; middle aged; multivariate analysis; questionnaire; socioeconomics; statistical model; statis
l literacy within different countries, issues of assessment and evaluation of financial literacy, approaches to teaching financial literacy, and
ely and effectively as societies age and governments shift away from defined benefit to defined contribution pension schemes. Individuals
raduates lack the knowledge and skills to make rational, informed decisions on the use of their money and planning for future events, such
finance literacy and behavior of Christian college students. The research involved administering an objective item financial literacy and be
decline in risk-taking for those with low confidence in their financial knowledge. Study 2 reveals that low financial literacy enhances suscep
aviors. A large national survey of U.S. adults and households (n=28,146) was used to investigate how this overall financial literacy is likely t
burgeoning interest in financial literacy programmes by these same bodies, aimed at redressing some of the deficiencies in financial literac
vestment fraud. While some support for this assumption has been found (for example, Gamble et al, 2012; Lusardi, 2012), a number of res
velopment management; Surveying; Engineering economics; Financial efficiency; Financial literacy; International experiences; Latvia; Mea
sociated with suboptimal savings behavior. Using a nationally representative dataset, we find new evidence that households, with below a
evelopment management; Surveying; Economic environment; Engineering economics; Financial literacy; Independent variables; Latvia; M
ing, particularly in wake of the increasingly wide array of long-term financial products, schemes and services marketed to individual invest
powering people on the subject of personal finance. Enhancing financial literacy may play a critical role in equipping consumers with releva
ial education. The book then expands on these cognitive limitations to explore the tendency for overconfidence in decision-making and th
unications; Financial journalism; Financial literacy; Pedagogical innovations in business journalism
tion; Motivation; Semiotics; Sustainable development; User interfaces; Cross-cultural research; Cultural markers; Design Patterns; Design p
nging the financial well-being of the population. Furthermore, since the mid-1990s the bankruptcy rates have nearly doubled in the United
Financial literacy; Information literacy; Literacy; National level; Social development; Public policy
Decision theory; Economics; Finance; Financial markets; Investments; Managers; Behavioral economics; Financial decisions; Financial lite
ation literacy; Italy; Public library; Libraries

pants were asked to choose a savings plan after meeting with an insurance agent who provided information about two different plans and
consumer financial literacy (Agarwal et al, 2009; Almenberg and Ger des, 2011; Lusardi and Mitchell, 2011; van Rooij et al, 2011a) and the
s Article seeks to uncover the reasons for poor investment decisions. We use a simulated retirement investing task and a new financial lite
d use. According to the earnings report of Visa Inc. (http://investor.visa. com/phoenix.zhtml?c=215693&p=quarterlyearnings), the quarter
administrators will find practical ideas to improve economic understanding. At the elementary level, the book provides creative ways of in
bility engineering; Accessibility; ChartMaster; Educational tools; Inclusive design; Interactive stock market charts; Novice investors; Screen
ucation; Financial forecasting; Linked open datum; Ontology management; Personalized recommendation; Societal aspects; Semantics
ually all of his contemporaries, Brownson believed that American literature should be perceived as operating within a single value structur
; Class projects; Classroom based learning; Collaborative activities; Learning preferences; On-line collaborations; Online cooperation; Onlin
nsportation; User centered design; Accessibility; Financial literacy; Inclusive design; Multi-modal; Non visuals; Screen readers; Usability; Vis
m; Portugal; Project; Skills; E-learning
e aged; mild cognitive impairment; poverty; statistics and numerical data; very elderly; Aged; Aged, 80 and over; Educational Status; Fema
hem with lower risk and volatility. Hence, it is of utmost significance to understand the mutual fund industry in India. As such, this chapter
or the young, and in this lecture, I will describe the findings from the first international survey on financial literacy among high school stud
d the accessibility of information for individuals and assisted in their financial decision making. We also disaggregated financial literacy into
garding the agent's conflict of interest, and the customer's degree of financial literacy. Two experiments conducted among undergraduate
ined impact of risk management, internal controls, and ethics on oversight responsibilities for both the audit committee and the entire bo
; rural area; womens employment; Bangladesh
voiced by master of divinity students at one mainline Protestant seminary. Using interactive qualitative analysis, researchers discovered se
gement; human; Likert scale; male; medical education; Pakistan; questionnaire; short survey; bank account; medical student; sex differenc
ns are more active on the financial market, have a smaller amount of overdue loans in bank, and more carefully plan their retirement. In ou
fy the knowledge and capabilities required to accommodate the mathematical demands of private and public life, and to participate in so
ness and cooperative community that are rooted in principles of compassion. Basing their work on principles of psychological and archeolo
ation and management; physician; anxiety; doctor patient relation; finance; human experiment; medical education; student; Commerce; F
l advisors; Financial literacy; Low incomes; Online investments; Qualitative research; Qualitative test; Target group; Investments
egies, and debt are all attributed to ignorance of basic financial concepts. While steps have been taken to analyze effectiveness and promo
teracy; Real pictures; Slovakia; Students
man engineering; Investments; Behavior change; Behavioral economics; Financial literacy; Persuasive technology; Retirement saving; User i
syndrome; female; financial management; health hazard; human; longitudinal study; personal experience; qualitative research; semi stru
the outcomes of retirement planning. Results show a gender gap in financial literacy as well as age, spousal support for retirement saving
Management; Information Literacy
ates; Decision Making; Financial Management; Great Britain; Information Literacy; United States
determinants of financial well-being among young employees. The sample consists of 508 of young employees aged 40 and under in centr
ethical, and compassionate decisions. Education about financial concepts and money management skills can equip them to face new finan
g to predict that financial literacy will be negatively associated with trust in financial markets. In an experimental setting, we provide novic
; Asia; Europe
orneo; Brunei Darussalam
gful diversification statistics and investigate their relationship with key variables. Nearly all households that score high on financial literacy
of (1) mandatory pension contribution; (2) different pension plans; and (3) information costs and financial literacy investment decisions. In
ncial decisions; Financial literacy; Microeconomic behavior; Retirement; Semantic memory; Finance
ew Zealand; United Kingdom
le in such programs and shows how this fits in with the development of youth financial literacy programs that are more proactive and aim
1th grade group with no exposure to economics and a 12th grade economics class. The 12th grade economics classes, i.e., the two treatm
management; human; male; perception; psychology; questionnaire; school; student; United States; young adult; Adolescent; Adult; Caree
nalysis; Education; Finance; Information science; Economic evaluations; Economic success; Financial education; Financial institution; Finan
ers to name-all major community development issues. The chorus of voices calling for increased financial education is diverse: educators,
ting method; Malaysia
ore likely to become delinquent (mean delinquency was 20%). For applicants with unverified assets, the increase in delinquency was grea
nt. More importantly, we find evidence that most respondents act on their inflation expectations showing patterns consistent with econom
ial management; foster care; human; independent living; information processing; male; socioeconomics; United States; young adult; Adap
avior change; Financial literacy; Persuasive technology; Retirement saving; Social comparison; User interfaces
financial crisis led to a major review of superannuation, mainly in response to the lack of accountability, comparability, and transparency d
education; organization and management; problem based learning; procedures; retirement; United States; Education, Medical, Undergra
tion dues can lead to foreclosure on the family home. A cruel reality sets in when the family home is sold at a foreclosure auction. The new
tion dues can lead to foreclosure on the family home. A cruel reality sets in when the family home is sold at a foreclosure auction. The new
ehavior; technology adoption; Ghana; Platanista
cular risk; childhood; credit score; household; human; income; longitudinal study; New Zealand; policy; privacy; risk assessment; scoring sy
basic financial principles. This study discusses in depth research with detailed analyses of financial literacy, financial education, individual in
diation oncologist; residency education; resident; education; financial management; medical education; oncology; professional standard; F
ged; Monte Carlo method; pension; retirement; salary and fringe benefit; statistical model; time; Adult; Age Factors; Aged; Aging; Comput
ll over the world and information needs of owners, investors, creditors and other interest groups to businesses increase. In the first part o
nformation processing; male; middle aged; North America; occupational health; Occupational Injuries; parent; psychology; risk; safety; soc
r; socioeconomic status; socioeconomic survey; United States
ing; Federal District [Mexico]; Mexico [North America]; Mexico City; Latin America; Mexico [North America]
b training that taught basic financial heuristics. The rule-of-thumb training significantly improved firms' financial practices, objective repor
scent; Adolescent Behavior; Child; Female; Health Plan Implementation; Humans; Los Angeles; Patient Selection; Pregnancy; Pregnancy in
hem with lower risk and volatility. Hence, it is of utmost significance to understand the mutual fund industry in India. As such, this chapter
ttance; training
ed in response to a Dodd-Frank2 mandate, the Securities & Exchange Commission (SEC) concluded that "American investors lack basi
empirical analysis; lending behavior; literacy; microfinance; Ghana; Ghana
umulation among young Americans. A one-standard-deviation increase in conscientiousness is correlated with a 40% increase in net worth
g; knowledge; World Bank
s packed with stereotypes of the poor as ignorant and in need of moral lessons on savings, consumption and credit. Financial literacy has t
rning; male; psychology; student; Turkey; university; young adult; Adolescent; Adult; Child; Child Rearing; Economics; Educational Status; F
dy; economic aspect; female; financial literacy; human; human experiment; information literacy; male; middle temporal gyrus; neuroimag
AGGED
atistics; Behavioral economics; Causal effects; Education systems; Financial education; Financial literacy; Government projects; Meta-analy
n Portugal, being unique in this respect. The purpose of this paper is to obtain new evidence about a fundamental question of empirical st
; Financial products; Financial service; Productive learning; Product design
a relatively lower share of illiquid wealth, and the results are more pronounced at older ages, when according to the lifecycle hypothesis t
nificant impact on financial literacy. This finding is consistent with social learning as a mechanism of financial knowledge acquisition, with n
ns for welfare, as well as policies intended to enhance levels of financial knowledge in the larger population. Next, we draw on recent surv
ng; Engineering course; Engineering economics; Financial decisions; Financial literacy; Financial mathematics; Modern engineering; Politica
mputing; Finance; Graphical user interfaces; Models; Social networking (online); Students; Taxation; Course; Critical assessment; E-learnin
explore what knowledge and understandings K-12 students should acquire about the economy, and what this means for what teachers ne
practice guideline; wellbeing; budget; economics; Europe; female; financial management; income; Italy; male; organization and managem
Consumer Education and Engagement division of the Bureau, focuses on low-income and economically vulnerable consumers. This book d
ment; Analytic hierarchy process (ahp); Conservative approaches; Czech Republic; European Countries; Finance management; Financial lite
e membership are associated with significantly lower stock returns, probably due to the management's opportunistic behavior. However,
ancial concerns as a part of their training or curriculum, leaving many practitioners unaware of the processes associated with remediating
ched paired students' attitude, overall pre-test and post-test scores, and overall pre-test and post-test attitudinal scores. The MANOVA res
esign-science researches; Financial decisions; Financial literacy; Knowledge base; Microworlds; Service encounter; Finance
he flyer were significantly more likely to begin contributing to the plan relative to their peers in the control group. Many workers do not p
titutions and how that factors may complicate making informed financial decisions. That is the main reason why financial education is iden
man; income; male; middle aged; retirement; satisfaction; socioeconomics; statistics and numerical data; United States; Cluster Analysis; F
ru; adult; catering service; Child Nutrition Disorders; child welfare; cross-sectional study; economics; evaluation study; female; financial m
ement; financial wellness awareness; health care delivery; human; male; medical school; medical society; medical student; organizational
ovements in knowledge and skills were retained and that these learning were applied to make improvements in participants' financial situ
man experiment; interview; literacy; lowest income group; male; social exclusion; social isolation; social support; social welfare; structured
ancial Literacy; Low-income borrowers; Predatory lending; Subprime loans
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ond set of interviews centers on the perceptions of six "partners," individuals and organizations that work with libraries to offer programs
es. Respondents display a financial literacy level similar to the Jump$tart Coalition's 2008 college sample. While the financial situations and
eory; controlled study; cyrstallized intelligence; decision making; discriminant validity; economic aspect; experience; female; financial defic
havior; female; health behavior; health education; health promotion; high risk behavior; human; male; methodology; Mongolia; motor ac
tive defect; controlled study; decision making; dementia; education; episodic memory; executive function; female; finance; financial litera
st borrowing behaviors. Other factors such as lower levels of income, gender, educational attainment, and the recent downturn in econom
students (n = 121), enrolled in three differently situated schools (in terms of religiosity level and socio-economic status [SES]), filled in a m
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pproach; Germany
ations; Paper-based transactions; Participatory design; Ubiquitous computing technology; Curricula; Design; Education; Research; Ubiquit
income; information literacy; priority journal; social aspect; United States
ncial techniques which are relevant to marketing decisions and business in general. © Keith Ward 1989. All rights reserved.
owledge reported by social work student respondents (N = 1,506) to an Internet-based survey. Results indicated that the majority of socia
vel of FL and that FL is affected by gender, nationality, class rank, work experience, and college major. In addition, the study revealed large
personal development plan
nvestment decisions; Residential dwelling; Residential energy; Residential sectors; Energy efficiency; Energy utilization; Heating; Housing; I
ttle work has been done examining whether responses to these questions accurately capture underlying financial capability, or whether th
social capital; training; young population; Bosnia and Herzegovina
y; secondary education; Italy
old survey; migrants remittance; panel data; Azerbaijan; Kyrgyzstan
l violence. To identify determinants of recent experiences of physical and sexual marital violence, this survey collected data from 4,880 ru
s to improve learning and meet the needs of multiple audiencesresulting in effective programming. © 2013 Extension Journal Inc.
out later life financial products and processes, and some needed basic financial literacy skills. Caregiver challenges included concerns abou
al engineering
ehaviors, and working experience of students while attending a college, was used for the project. The authors examined differences in fact
hly to the creation of employment opportunities, economic development and empowerment in South Africa, especially for women. Howev
hological aspect; regression analysis; religion; retirement; United States; Aged; Comprehension; Female; Humans; Least-Squares Analysis; L
ne's life cycle. By understanding learner attributes, educators can create motivating learning environments and seek appropriate teaching
verall financial literacy, but also literacy across five dimensions (or 'themes') of financial literacy and across three cognitive levels. They find
orbert's College in Wisconsin. Having to fund his education primarily on his own, Adi was the founding director of the iOme Challenge, and
egmentation; Market share; Marketing analysis; Secondary schools; Simulation games; Commerce
ograms in the United States have moved from defined-benefit plans, in which the employer bears investment responsibility, to defined-co
wledged by the G20 Leader's Declaration in June 2012, recognising the need for women and youth to gain access to financial services and
f the Sarbanes-Oxley Act in 2002, with its significant provisions of 20-year imprisonment for certain offenses, and the conviction of Enron’
ily represented among planners. More heavily represented among the planners are the self-employed, those with high financial net wealt
ental component; Information literacy; Information products; Life cycle assessment model; Lifecycle management; Research life cycles; Lif
elligent agents; Mobile phones; Rural areas; Base of the pyramids; Direct observations; Electronic fund transfers; Governmental regulation
nd future ethics, the article recommends the addition of specific ethical, social, and environmental standards to current financial literacy s
haracter, presuming a level playing field. Through its naivety, financial literacy education perpetuates the false impression that men and w
equality and engagement. This article calls into question the seemingly common-sense construction of financial literacy as personal mone
e-based Learning; Learning effectiveness; Programming education; Students' interests; Computer games; Curricula; Information systems; M
udy intended to inform future research into curriculum development in the area of financial literacy.
ehension; decision making; depression; educational status; female; financial management; health care; human; income; male; mental test
ay limited knowledge and understanding of public and company-provided retirement benefits. Controlling for basic demographics and we
global financial crisis; high frequency trading; informational asymmetry; retirement; Securities and Exchange Commission; securitization; s
elopment; farmers knowledge; literacy; rural area; rural finance; Gujarat; India
ychometric analyses. In this article, we develop such a measure, focusing specifically on financial knowledge. Using item response theory (
ent; human; information literacy; major clinical study; male; money; personal experience; policy; reward; social attitude; socialization; Sou
gy; retirement; United States; Adult; Education; Financial Management; Humans; Income; Retirement; United States
w Zealand; policy; poverty; Economics; Financial Management; Financial Support; Humans; New Zealand; Policy; Poverty
t are the basis for sound financial decision-making. Financial illiteracy is not only widespread, but particularly severe among older women.
very little is known on the subject matter in emerging economies. This study attempts to address this paucity in the body of knowledge by
health care policy; health care system; heal

behavior; health literacy; health status; human; income; male; mental health; neuropsychological test; psychological aspect; sex difference
vernment; health; health education; health program; human; income; nutrition; population research; priority journal; United States
gap in financial literacy is not explained by differences in the characteristics of men and women-but rather differences in coefficients, or ho
et; Australia
ational status; female; human; human relation; income; interview; longitudinal study; middle aged; multicenter study; multivariate analys
n are highly dynamic and are becoming more and more complex. So a point exists when the learning results of school education as well as
both ineffective and unjust. Socially created poverty, unemployment and economic insecurity require more than individual consumer solu
s disorder; social adaptation; statistics; war; Afghan Campaign 2001-; Brain Injuries; Depressive Disorder, Major; Employment; Humans; In
vation; Students; Teaching; Interdisciplinary project; Interdisciplinary teams; International development; Intrinsic motivation; Long-term p
erse risks for employment and income security at older ages. Among those risks are access to institutional mechanisms for retirement savi
n between financial literacy and behavior. However, a financial education program has modest effects, increasing demand for bank accoun
ehavior; human; Human immunodeficiency virus infection; Mongolia; priority journal; prostitution
th service; mental patient; methodology; patient education; psychological aspect; psychological model; quality of life; review; vocational r
ct-oriented programming (OOP); Finance; Microelectronics; Motivation; Students; Teaching; Object oriented programming
asures of uncertainty. Heterogeneity in expressed uncertainty is associated with demographic characteristics and financial literacy, and m
hoices. The purpose of this article was to benchmark and then determine if graduating business students' perception of their retirement p
oblems that come with it. Most importantly, it presents a lucid discussion of the policy options that are meant to improve advice or to redu
ying to put some money away in savings, the participants begin to grasp the difficulty of meeting day-to-day living expenses. Based on the
component, and clarify the issues surrounding this decision. They argue that financial education represents a valid curriculum concern and
three years the University of La Verne's College of Business and Public Management has been conducting a community outreach program
nancial literacy is low in all of the schools studied, but that there are statistically significant differences in the level of literacy between the
outscored all others in the sample regardless of coursework in personal finance or grade level. Belarusian high school students performed
ment; Sustainable production
oice. This article summarizes the broad range of financial literacy measures used in research over the last decade. An overview of the mea
his issue as well as a previous (Summer 2008) special issue of the journal that also focused on financial literacy. Copyright 2010 by The Ame
their corresponding agendas and available information resources. Reviews of effectiveness of sample financial education programs for ad
financial literacy. This article investigated the determinants of financial literacy using the 2006 wave of the Italian survey on household inc
their corresponding agendas and available information resources. Reviews of effectiveness of sample financial education programs for ad
literacy was strongly related to sociodemographic characteristics and family financial sophistication. Specifically, a college-educated male
ey. As a result, financial literacy has varying conceptual definitions in existing research, as well as diverse operational definitions and values
s suggest that these demographic differences in inflation expectations may be partially explained by variations in expectation formation an
e; socioeconomic impact; university sector; young population

wnership; housing market; investment; Keynesian theory; price dynamics; welfare economics; United Kingdom
ns. Low levels of financial literacy and capability have important implications for the way individuals manage their ongoing finances and de
high-fee index funds because of bundled nonportfolio services. Search costs for fees matter, but even when we eliminate these costs, fee
explicitly incorporate solutions to behavioural shortcomings exhibited by individuals in their financial decision-making. While recognising t
the information, knowledge, and skills to evaluate their options and identify those that best suit their needs and circumstances. This book
ering; Undergraduate engineering programs; Curricula; Engineering; Knowledge engineering; Reengineering; Engineering education
Account program in order to fill this void. The findings of a mail survey suggest that those who completed the program are more likely to a
their management of costs associated with mobile technologies is increasingly important Drawing on research into youth 'mobile literacy'
ry, semester-long economics course, a state requirement for high school graduation. Our key performance measure is the Test of Economi
erstand even the most complex loan structures. In an easy-to-follow style, the book clearly explains the workings of basic financial calculati
perception; Eurasia; Europe; Ireland; Western Europe
ancial literacy learning environments, this study is a Discourse analysis of a discussion of personal finance on a web-based fan forum dedic
among India's rural poor, who in turn are changing lives, families, and entire communities. The authors provide an overview of HSBC Grou
stment mistakes. The index of financial sophistication increases strongly with financial wealth and household size, and to a lesser extent w
nited States; Comprehension; Health Benefit Plans, Employee; Humans; Motivation; Teaching; United States
alled a Ponzi process. The forces that generate instability are not based on irrationality, greed, or market imperfections; they are intrinsic t
; medical education; medical student; pedagogics; reading; student satisfaction; curriculum; decision making; education; organization and
conomic education profession - this volume offers insights on current debates over economic literacy, standardized test performance, the
ding education, culture, policing, probation, prosecution, healthcare, social services, transport and defence. A substantial body of literatur
l intelligence; Innovation; Sensitivity analysis; Support vector machines; Finance
uessing the answers to those questions. Previous studies have also frequently failed to allow respondents to admit not knowing the answe
1997 have further deteriorated with scores on the 31-question, multiple choice exam now hovering just over 50 %. Students from familie
end of the principles course. The current study concludes that high school training has no significant impact.
comprehensive framework for evaluation to assist those currently delivering, and planning to deliver, financial education while highlighti
vels; Modelling techniques; Neural network models; New models; Support vectors; Backpropagation; Backpropagation algorithms; Compu
ences of this inability more dire. In response, policymakers have embraced financial-literacy education as a necessary corollary to the discl
ors, such as financial literacy and financial goals, independently but synergistically decrease girls' risk of coerced sex or exchanges of sex fo
r-city neighborhoods be more effective financial actors. While quantitative analysis turns up few significant program effects, qualitative wo
the Cooperative Extension System's Internet-based, customer-centered, virtual, and evolving educational environment. Financial security
; Eurasia; Europe; United Kingdom; Western Europe
most recent of these is Determined to succeed: a review of enterprise in education (SEED 2002). The government clearly perceives a link b
is a significant concern because Social Security alone will not assure a comfortable retirement for lower-income workers. Our survey of mo
ity, others question the effectiveness of such programs. The study reported here examined the results of Money 2000™ and its ability to i
sumer in the financial market place. It finds that regulators in both countries represent financial education as empowering consumers but
that it is dangerous to live for the day and make no provision for changes in circumstance, unexpected expenditure, or retirement. In add
Simulation model; Finance
e GAO released the highlights of a forum on the federal government's role in improving financial literacy (2004). And it's not just happenin
tions; Not-for-profit accounting; Sustainable growth; Budget control; Cost accounting; Decision making; Information analysis; Investments
ct; Financial literacy; Financial models; Spreadsheet software; Students learning; Economics; Engineering education; Mathematical instrum
[Central America]; North America; United States
nline. There has been considerable research in other subjects as to whether there is a difference in student performance dependent upon
ents without credit cards or credit-card debt. Lack of financial knowledge, age, number of credit cards, delay of gratification, and attitudes
analysis; quantitative analysis
ucation; organization and management; retirement; risk management; Education, Nursing, Continuing; Financial Management; Humans; In
ecasting; human; learning; methodology; school; teaching; United States; Achievement; Adolescent; Adult; Child; Commerce; Forecasting;
alth care policy; health economics; human; income; mental disease; mental health care; mental health service; poverty; prevalence; psych
ting; human; industry; learning; student; technology; United States; workplace; Adolescent; Child; Commerce; Educational Status; Forecas
Financial training; Newspaper managers; Publishing; Executives; Finance; Management; Newspapers; Personnel Training; Publishing
ue Ribbon Committee. These metrics include years of work as a CFO, experience at another company, advanced degrees (like M.B.A.S), and
w; methodology; questionnaire; review; self report; statistics; training; United States; Adult; Bankruptcy; Education; Educational Status; Fe
Anthropologists and sociologists have included noneconomic factors in examining the economic-exchange practices of adults, but the rol
erstanding and working knowledge of a short list of economics concepts. In this paper, I define economic literacy, explain why the first eco
xperience in the field of financial education and awareness. It identifies and analyses financial literacy surveys in member countries, highli
l status; financial management; government; handicapped child; human; legal aspect; poverty; United States; Adolescent; Child; Curriculum
response by public and private organizations to the accepted and often demonstrated need for financial education has been impressive in
and personal finances and recognize how financial literacy impacts their future financial expectations. In addition, employees who gain co
olds must possess sufficient financial knowledge to make wise decisions. Bernheim (1998) raises concerns about whether households are fi
ng education; Investments; Problem solving; Professional aspects; Strategic planning; Students; Teaching; Engineers
al effects; Engineering; Engineers; Problem solving; Professional aspects; Technical presentations; Curricula
e; public relations; social behavior; standard; United States; Community-Institutional Relations; Education; Financial Audit; Governing Boar
sponses of a sample of ten expert accounting witnesses to such assessment. We reveal the difficulties these accounting experts have expe
on upper secondary students was to attain sufficient commonality with the test instrument for the 14 year-olds in order to facilitate mean
n is becoming more and more important and, under the name financial literacy, is actually getting on the political agenda. There are sever
rea of personal financial management. The results of the study show that curriculum mandates, broadly defined, are not generally associa
mulation; Cost accounting; Curricula; Mathematical models; Professional aspects; Students; Engineering education
h British Government policies to reduce welfare spending and encourage low skilled individuals into low paid work increasingly require the
mics in thinking about getting more education positively affects the intention to attend college. Other factors found to be influential includ
mphasis on content and application allows economics to integrate every aspect of the classroom and allows Praxis achievement. This paper
m (Dearing, 1997). The research study was led by the Telematics Centre at the School of Education at the University of Exeter, working in c
ents. The students' scores were analyzed and compared with national averages for the TEL. The 3 subjects the students understood best w
f financial literacy, a bivariate probit model that jointly endogenizes an investor’s level of financial literacy and choice of distribution chann
es were positively related to both the level of education achieved and the completion of an economics course. © 1995 Taylor & Francis Gr
banks were part of an international genre whose development is sketched as context. This account focuses on the evolution of their form a
re to function effectively. Traditionally, developing this literacy has been seen as just another training issue on the agenda for the company
acher's course work in the subject matter, whether the teacher has a high degree of enthusiasm toward the teaching of the subject, and, fo
lor & Francis Group, LLC.

Chemicals/CAS Tradenames
es; Government agencies; In-depth interviews; Qualitative approach; Qualitative data analysis; Tertiary education; Service industry
al literacy. Despite research that reveals these limits, the field has either persisted with this narrow definition of financial literacy or abando
to measure more advanced knowledge related to financial market instruments (stocks, bonds and mutual funds). These questions are link
We separately analyze the three indexes that define the OECD financial literacy index—Financial Attitude Index (FAI), Financial Knowledge I
on; vulnerability; Ireland
ng education; personal experience; qualitative analysis; self evaluation; test retest reliability; United States; validity; female; male; middle
c; male; morality; personhood; responsibility; risk management; uncertainty; welfare
y the EU Commission in 2016 highlighted that entrepreneurship focused on all aspects of society, not just business. It defined entrepreneu
st study, we find that willingness-to-invest increases (decreases) when subjects observe (do not observe) in the market a positive relations
definitions of vulnerability from financial regulation bodies and government agencies such as the Consumer Financial Protection Bureau. A
English
n; empowerment; female; human; juvenile; language; literacy; male; randomized controlled trial; semi structured interview; Uganda
ning; Mathematics teachings; Students

lustering; Life skills; Math anxiety; Two ways; Students
n; Persuasive Behavior; Survey design; Finance

g; Western Australia
secondary schools; Secondary schools; Students' interests; WEB application; Students
ream of universal financial inclusion, there is no doubt that tremendous progress has been achieved in the recent time. Specifically, after t
ng process; On-line assessment; Quantitative and qualitative analysis; Secondary mathematics; Students
etical study; vulnerability; South Africa
ng strategies
urance to the members, also facilitate the spread of misinformation regarding Ponzi schemes and hurt naïve investors. The gullibility of po
(n > 2,000) recruited from Amazon's Mechanical Turk under different categories of investment experience, which I benchmark against nati
l literacy on almost one of eight questions, with about one-third of the increase in correctness attributable to the program. It also raised th
at using the internet for such information increases literacy significantly: doing so frequently (versus not at all) increases financial literacy
ancial burden can impair financial decision making. If financial literacy educators are to empower consumers, more consumer-centric evid
; Market researches; Retirement planning; Younger generations; Investments
015 waves of National Financial Capability Study to examine whether state-mandated financial education impacts young adults' use of AFS
NI enhance 401(k) account holders' risk-taking and investment quality. We also find a unique role of SFK in retirement investment decision
powerment; female; financial management; high risk behavior; human; Human immunodeficiency virus infection; incidence; infection risk
ent; aged; decision making; economics; information literacy; middle aged; pension; psychology; questionnaire; regression analysis; retirem
English
erview; literacy; lowest income group; male; money; nonhuman; perception; qualitative analysis; social worker; vampire; wellbeing
n financial education. Via a survey of academic librarians at large universities of more than 10,000 students, the authors seek to determine
edictors of retirement savings. These relationships hold controlling for cognitive ability, financial literacy, and a rich set of demographic
tion; quality of life; radiation oncologist; resident; review; sound; student; economics; female; male; procedures; psychology; radiation onc
the benefit of participation in financial literacy education is higher for whites than that for minorities. Thus, the impact of being white alon
ntal variable techniques based on information about maternal education. We also exploit information on financial support and family back
23450282
or, and Peru. The empirical analysis underlines the centrality of numerical abilities, different subfacets of conscientiousness (propensity to
blem solving; regression analysis; young adult; Economics; Executive Function; Female; Humans; Language; Male; Mathematics; Neuropsy
idential location; Tanzania
m-sized enterprise; sustainability; Sri Lanka
al inclusion is just not an economic concept rather it is termed as a socio-economic concept, as it helps people have a security for future lif
racy; International projects; Knowledge society; Life long learning; Productivity and competitiveness; Microelectronics
r-savers have very different perceptions of future credit access risk and use credit cards for precautionary motives. Moreover, changing pe
ble development; teaching; Switzerland

m; financial literacy; financial management; highest income group; human; investment; investment knowledge; knowledge; literacy; medica
and the traditional bank agents continue playing an important role in this process despite non-traditional channels like mobile telephony.
human; human experiment; linear regression analysis; literacy; long term exposure; major clinical study; male; middle aged; pension; dec
glycosylated hemoglobin, 9062-63-9; Blood Glucose; Glycated Hemoglobin A

obtain insight into the factors predicting it. Our study evidenced low levels of debt literacy and its overestimation by respondents in their s
English
HEAFD 30830816
ly focuses on women's economic empowerment through their ability to access financial resources. Rather, it looks at whether and how m
and financial literacy; the household's entrepreneurial activity, income level, and spatial location; and the proportion of dependent memb
Electrical engineering students; Financial education; Financial literacy; Financial managements; Financial principles; Household savings; N
cal student, resident, and young surgeon should understand to start the path to financial independence. Methods: We synthesized recomm
flation protection. These income-only real bonds, with a forward start date, would pay investors for the period required for the respective
um-sized enterprise; sustainability; Pakistan
n; Human immunodeficiency virus; Human immunodeficiency virus infection; incidence; income; Kazakhstan; procedures; program develo
ncial education; Financial literacy; Financial managements; Household savings; Undergraduate software engineering; Computer aided instr
cy; male; randomized controlled trial; structural equation modeling; student; wellbeing
Spanish
medium enterprise; Finance

eterogeneity in returns across households, which can be partly explained by financial sophistication. A one-standard deviation increase in
nternational students; Life-long educations; SWOT analysis; Students
e predicted likelihood of delinquency at the 10th percentile of objective literacy was over three times as high as the likelihood at the 90th
spite reactive attempts at creating on-campus food pantries, financial emergency funds, and financial literacy interventions, little research
inancial literacy; Game-Based; Learning outcome; Traditional instruction; Students
nancial concepts. Women, poor adults, and lower educated respondents are more likely to suffer from gaps in financial knowledge. This is
ncial education; Financial literacy; Managerial implications; Primary schools; Finance

ca Study (UAS) panel used in the current effort, and presents results of wave 1 and wave 2 of the UAS surveys that focus on Social Security
ell-being. Another problem is the counterintuitive nature of even elementary implications of economic analysis. Many in Congress claim to
racy; Literature reviews; Research topics; Finance

ncial literacy; Goal setting; Finance
a; PayTM; Finance
the bulk of their financing options: tight credit conditions, stringent collateral requirements, complex and lengthy lending procedures, lim
cy; Financial literacy; Knowledge; Sustainable energy; Energy policy
Android; Financial; Google Vision Cloud API; Mobile; Notification; OneSignal API; Application programming interfaces (API)
ropathology; priority journal; sex difference; TDP 43 proteinopathy; very elderly
10775315
ment; individualization; literacy; veterinary student; animal; curriculum; economics; medical student; United States; veterinarian; Animals;
31194629
ulation; Pension plans
racy; Poor; Developing countries
English
al study; male; Netherlands; probability sample; theoretical study; wellbeing
yment; female; health literacy; human; income; major clinical study; male; self concept
well as the interaction of PFA and self-control on saving behavior. We extend the dual-self model of impulse control and derive three hypo
transformation; Finacial governance; Financial managements; Governance activities; Information technology usages; Internet based appli
English
nvestment decisions; Japan; Old age; Investments
operation and Development; socialization; student
school specializing in economics; Vocational training

t; Spaniard; wellbeing; worker; economics; employment; female; income; investment; longitudinal study; male; motivation; organization a
tional approach; Social research; Students
t; Partial least square (PLS); Research designs; Research studies; Finance
an; male; money; Penang; Perak; questionnaire; Selangor; Terengganu; wife
er; pediatric hospital; pediatric patient; poverty; primary medical care; stress; trust; female; health care delivery; male; middle aged; orga
y; International students; Investment projects; Market development; Education computing
inical study; structural equation modeling
y; major clinical study; randomized controlled trial; cross-sectional study; education; income; procedures; Adolescent; Child; Cross-Section
30071449 English
tirely on disclosure as the best form of investor protection and, by extension, on investors' ability to understand disclosure. By advancing a
n; security; Boston; Massachusetts; United States
Russian Federation; Yevrey
y; Independent samples; Mann-Whitney; T-tests; Behavioral research

ature reviews; Small medium enterprise; Specific knowledge; Technology implementation; Finance
ch; tenure system; urban housing; urban policy; Tanzania

English
English
andomized controlled trial; tight junction; child parent relation; community participation; education; Illinois; patient selection; procedures;
PHNUE 29740854
asymmetry; Laws and regulations; Legal constructions; Personal credit; Problems and countermeasures; Students
plore individual behaviors and new technologies used in financial innovations. The explicit and growing speed of the spread of new techn
LS); Small and medium enterprise; Structural equation modelling; Technology application; Technology utilization; Finance
counted costs; Energy-efficiency gaps; Financial decisions; Financial literacy; Energy efficiency; consumption behavior; demography; discre
policy making; regulatory framework; Europe
inancial literacy; Individual decision making; Information sharing; Learning; Video; Willingness to share; Information dissemination
anagement; health literacy; human; major clinical study; male; path analysis; patient decision making; very elderly; aging; decision making
riate analysis; nursing education; nursing management; professional development; registered nurse; retirement; sex difference; social inte
ancial affairs. It is a misnomer that graduates of tertiary education are financially literate or are qualified to make financial decisions. In fa
Apolipoprotein E4
wledge is either not there or limited to make judicious choices. The successful implementation of financial literacy services would benefit r
drawal account before the end of life. We find that more numerate individuals who put effort into understanding product features chose m
need to understand how to accurately target and market their potential customers as well as the new avenues for development. Marketin
struments could serve as standalone alternatives (nudges) to conventional teaching interventions. Users of the budgeting app report to ch
s in financial inclusion for bridging the gap between the demand and supply side. The chapter deliberates the challenges faced by banks fo
new manufacturing methods, socio-technical modelling, cloud technology and accounting, international taxation, and financial literacy. Fur
mponent of financial literacy from education to capability. Throughout the book, there are many practices initiated around the world whic
gh the higher education pipeline. Research regarding access to education shows that money matters to the success of Latino students. Thr
Internship and Residency; Training Support; United States
mputer interaction
nancial inclusions; Finance
mall and medium enterprise; Finance
PBFJE
useholds hold riskier positions when expected returns are higher, they more actively rebalance their portfolios and do so in a way that hold
dy; male; outpatient department; patient referral; Sikkim

; meta-analysis; poverty alleviation; savings; socioeconomic impact; Sub-Saharan Africa
t with the lowest. Multivariate regressions show that there exist large and statistically significant gender-, location-, employment-, educati
is; female; financial management; high risk population; human; Human immunodeficiency virus infection; income; Kazakhstan; literacy; ra
JBFID
ancial Uncertainty; Personal Finance Blogs
English
management; Multiple choice; Students

financialization and seeks to identify strengths, weaknesses, and ways to enhance the well-being of vulnerable people. This book's coverag
periment; information processing; juvenile; literacy; male; publication; questionnaire; randomization; randomized controlled trial (topic);
act of demographic variables on the levels of Financial Literacy. The results indicated that the level of Financial Literacy was affected by fa
research work; Australia
measure, a financial literacy index was constructed for the country using data collected on attitudes (towards), access to and use of financ
English
18342000
English
cial literacy; International comparison; Money; Secondary sources; Portals

cial literacy; Happiness Index; Household energy; Household expenditure; Renewable electricity; Renewable energy consumption; Standa
s computing; Advanced technology; Competencies; Digital dementia; Financial education; Financial inclusions; Financial literacy; Learning m
ntrepreneurship; Financial literacy; Financial managements; Regional development; Savings; Decision making
mpowerment; Financial literacy; Financial year; Kenya; Women entrepreneurs; Finance

mbers; Level of educations; Retirement planning; Socio-demographic characteristics; Standard of living; Finance
cs; Surveys; Biases; Data summarizations; Emotions; Financial literacy; Natural languages; Questionnaire; Finance
nagement; hospitalization; human; major clinical study; male; medicare; physical activity; priority journal; prospective study; smoking; soci
ources; Mobile bankings; Products and services; School students; Short term; Students
victim; financial management; Financing, Personal; Humans; Intimate Partner Violence

follow up; health insurance; Hispanic; human; insurance; knowledge base; literacy; medical student; New Zealand; radiology; residency ed
presentative sample; State intervention; Time value of money; International trade
decision making; Making decision; Optimal choice; Robo-advisors; Decision making
bjective was to describe the financial knowledge, attitudes, and experiences of residents to inform the design of a personal finance curricu
Money attitudes; Structural equation modelling; Theory of planned behaviour; Surveys
adult; Adolescent; Female; Humans; Income; Kenya; Knowledge; Literacy; Male; Poverty; Social Work; Young Adult
Decision supports; Financial decisions; Financial literacy; Financial planning; Investment decisions; Nudges; Robo-Advisory; Architecture
ed States. It includes over 50 survey modules on topics such as retirement planning, economic well-being, and psychological constructs. T
n; Financial literacy; Google Analytics; Pilot projects; Public interest; Public administration
d over time. While the view of payday loan clients as a financially vulnerable population is consistent with our results to a certain extent, t
human experiment; immigrant; leadership; literacy; male; neighborhood; quality of life; resident; staff; teaching; vision
ngside other perspectives such as, political, social and technological since students should be encouraged to examine and interpret the en
studies; Smart-phone applications; Smartphones
evaluation; task performance; young adult; Adolescent; Adult; Aged; Female; Human Development; Humans; Learning; Male; Metacogniti
ulse response functions; Non-macroeconomic factors; Stock market volatility; Variance decomposition; VECM; Vector error correction; Vec
petence; female; health personnel attitude; male; needs assessment; professional competence; self report; Adult; Attitude of Health Perso
ation; retirement; sampling; Scotland; social care; social network; study design; aged; aging; family size; female; healthy aging; information
29326187 English
dle aged; poverty; rural population; socioeconomics; statistics and numerical data; Adult; Bangladesh; Decision Making; Developing Countr
30289056 English
ever; gender; hospital; human; immunization; India; literacy; male; medical information; mother; motivation; pain; postnatal care; prenata
nd sustainability values
ner. The Atal Pension Yojana (APY) combines elements of defined benefit and defined contribution from the government for pensions prim
Bitcoin; Investment community; Perceived behavioral control; South Africa; Sub-Saharan countries; Systems and software; Virtual commu
financial literacy program. Youths benefited from improved financial literacy. A Teens Reaching Youth (TRY) team approach was used for th
Wellbeing Questionnaire; high risk population; human; income; internet addiction; major clinical study; male; outcome variable; patient c
mification; Gamified learning; Microlecture; Mobile Learning; E-learning

tudy; male; middle aged; retirement; socialization
mized controlled trial; Rwanda; Social Cognitive Theory; student; teacher
CYSRD
le Cartoons; Quasi Experimental; Education
l success of 138 Czech students with an above-average intellectual level on the personality of the teacher and the time preparation of stu
English
c impact; Singapore [Southeast Asia]
anitoba; Ontario; physician; poverty; primary medical care; registration; scientist; social determinants of health; workflow; Canada; compu
29061603
Personal characteristics; Research studies; University students; Work experience; Students
in times of turbulence? Examining the state of evaluation today, the volume's editors cover a broad range of topics, including post-hoc ev
l-being. After controlling for other relevant predictors of persistence, regression results showed that students with lower financial well-bei
English
cy; Gamification; Online questionnaire; Quantitative study; Technology acceptance; User's intentions; Software design; behavior; human; i
insurance; health status; health survey; high risk behavior; human; literacy; middle aged; single (marital status); Switzerland; adolescent; a
28807331 English
nsecurity; food security; household; human; independent variable; least square analysis; literacy; major clinical study; male; outcome asse
owners that once lived in upper middle-class communities achieving the American dream faced the horrifying reality of facing foreclosure
English
JEBOD
acy; human; patient decision making; priority journal; shared decision making; social determinants of health; decision making; health liter
dy; male; manager; medical record review; middle aged; outcome assessment; patient referral; physician; poverty; preventive medicine; pr
28821508
ancial products; Financial training; Solid contents; Social networking (online)
English
English
fferent countries. It suggests that low levels of financial literacy and numeracy found amongst consumers significantly limit the effect of d
English
situation. This paper deals with an original collection of educational materials developed by the authors to support the financial education
acy; longitudinal study; male; psychology; randomized controlled trial; statistics; undergraduate student; adolescent; decision making; edu
oject on financial literacy education. Using the concepts of 'edu-regulation' and 'financial knowledge democratisation' to analyse the financ
w levels of financial literacy. Moreover, women for whom financial knowledge is likely to be very important—for example widows or single
ce broker–borrower interaction and mortgage performance holds only for borrowers that have characteristics associated with low levels o
solve problem of financial exclusion, FINO entered the market riding on the biometric smartcard and hand held devices technology and ha
aire; statistics and numerical data; university hospital; Academic Medical Centers; Adult; Cross-Sectional Studies; Curriculum; Education, M
; developing country; empowerment; female; follow up; girl; Herpes simplex virus 2; human; Human immunodeficiency virus; literacy; ma
cy; Higher learning; Instructional strategy; Learning experiences; Positive emotions; Education
BJETD
English
h literacy; human; retirement; search engine; sound; aged; decision making; economics; health care delivery; health care planning; health l
raphy; development; education; education support; ethics; financial literacy; foster care; health program; human; independent living; kno
cial literacy; Financial managements; Grounded theory; Investment theory; Qualitative study; Behavioral research
eness; Online monitoring; Village Level Entrepreneur; Economics
ness; Online monitoring; Village level entrepreneur; Economics
an; longitudinal study; male; proportional hazards model; psychology; sex factor; very elderly; Age Factors; Aged, 80 and over; Aging; Alzhe
13825585
iddle aged; patient education; procedures; questionnaire; United States; Breast Neoplasms; Cohort Studies; Colorectal Neoplasms; Cost o
cy measures to explain observed financial advice consultation. Second, we introduce a newly developed measure of financial adviser anxie
consumer well-being and the role health and financial literacy play in achieving well-being. We then introduce important research questio
y implementation; trade-off; Australia
change, money, saving, and giving. The practical and hands-on classroom activities they propose integrate the stories, language arts, and fi
0376835X
; statistical analysis; Uganda
Regulatory resource depletion; Resource-matching perspective
arch exploring how Australian teachers make sense of and approach their work as financial literacy educators or their professional learning
financial literacy on the part of Black Americans, as might be suggested by the conventional wisdom. Also, the article presents a stratificati
ge amount of OECDPISA (Programme for International Student Assessment) data. Through the specification of a structural equation model
inancial literacy; RRetirement; Separate analysis; Finance
d financial vulnerabilities. The implications of these findings are discussed in the context of financial literacy training which, while critical, i
teracy; Financial managements; Personal qualities; Student populations; Undergraduate students; Finance
oft computing; Surveys; Data summarizations; Financial literacy; Linguistic terms; Natural languages; Position papers; Questionnaire; Sema
y; Mobile applications; Primary education; Primary school children; Education
ersuasion; Financial literacy; Intermediaries; Life insurance; Religiosity; Risk aversion; Saving motives; Socio demographic; Insurance
nancial literacy questions. Not surprisingly, FR employees are substantially more financially literate than the population at large. Most imp
al literacy; Latvia; Macroeconomics; Personal budget; Youth; Economics
ioeconomic conditions; Matabeleland North; Matabeleland South; Zimbabwe
rategically using technology to broaden its reach to under-served consumers in rural communities with innovative products, financial liter
ngitudinal study; male; medicaid; medically uninsured; middle aged; priority journal; self report; young adult; adolescent; attitude to health
ries Unlimited). She also coauthored a peer-reviewed article for Reference Services Review, "Engaging with Entrepreneurs in Academic an
ala Lumpur; female; financial management; gender identity; grounded theory; health literacy; human; Human immunodeficiency virus infe
28782331 English
ncial literacy library programming respectively. The author will explore how library programming and the most popular financial literacy re
English
ersonalized learning; Touch interfaces; Digital devices
For these products, we expect the value of the financial options and guarantees provided to the policyholder to drive surrender behavior.
s model. The proposed model was found to be basically sound, with some notable negative findings. Socio-economic status was found to
e research; semi structured interview; thematic analysis
male; mental stress; middle aged; organization and management; social work; socioeconomics; United States; Adult; Aged; Budgets; Femal
psychology; training; curriculum; economics; education; health care delivery; psychology; United States; Curriculum; Delivery of Health C
hanges in high school graduation requirements. Using a flexible event study approach, we find that both mathematics and financial educati
hures that would be relevant to students and the community at large. The pamphlets were used in two ways: they were distributed acros
to understand the long-term ramifications of misusing financial aid. Financial literacy education is increasingly viewed as a necessity for th
he student loan cohort default rate (CDR), which measures the percentage of an institution’s student borrowers who default on their fede
nancial literacy in adults in relation to possibilities and offers of further education. Debts are often accompanied by negative social, econom
inical study; multiple linear regression analysis; responsibility; adolescent; aged; attitude to health; decision making; economics; female; fi
n; building bridges to fatherhood program; Center for Epidemiological Studies Depression Scale; checklist; child parent relation; cognitive d
27241687
tments; Finance
ching financial literacy; Theatre for young audiences; Theatre in education

oducibility; standards; student; university; validation study; young adult; Adolescent; Adult; Female; Humans; Impulsive Behavior; Investm
alysis; Cost and benefits; Cost distribution; equity; Mean-preserving spread; Proportional-share; Public perception; Regulatory costs; unce
s; Electronic education; examination; Managerial accounting; Part-time students; results; Social applications; Students
opulation; maize; quantitative analysis; risk assessment; smallholder; theoretical study; vulnerability; Bangladesh; Zea mays
GECHE
ment; human; male; neuroimaging; priority journal; right hemisphere; white matter; aging; brain; comprehension; diffusion weighted ima
health program; human; long term care; medical decision making; cost; decision making; economics; female; health insurance; male; mid
ental stress; middle aged; multivariate analysis; questionnaire; socioeconomics; statistical model; statistics and numerical data; United Sta
, issues of assessment and evaluation of financial literacy, approaches to teaching financial literacy, and teacher training and teacher educ
and governments shift away from defined benefit to defined contribution pension schemes. Individuals will increasingly have to make com
kills to make rational, informed decisions on the use of their money and planning for future events, such as retirement. This book shows w
ristian college students. The research involved administering an objective item financial literacy and behavior survey. Findings showed a si
low confidence in their financial knowledge. Study 2 reveals that low financial literacy enhances susceptibility to the influence of "feelings
S. adults and households (n=28,146) was used to investigate how this overall financial literacy is likely to change financial behaviors across
racy programmes by these same bodies, aimed at redressing some of the deficiencies in financial literacy they and others have found. Sim
rt for this assumption has been found (for example, Gamble et al, 2012; Lusardi, 2012), a number of researchers have in fact reported that
g; Engineering economics; Financial efficiency; Financial literacy; International experiences; Latvia; Measuring instruments; Technical unive
ehavior. Using a nationally representative dataset, we find new evidence that households, with below average financial practice skills but w
ng; Economic environment; Engineering economics; Financial literacy; Independent variables; Latvia; Multiple regression analysis; Multiple
easingly wide array of long-term financial products, schemes and services marketed to individual investors. Our research focuses on financ
personal finance. Enhancing financial literacy may play a critical role in equipping consumers with relevant information, fundamental know
nds on these cognitive limitations to explore the tendency for overconfidence in decision-making and the interplay between rational and ir
nancial literacy; Pedagogical innovations in business journalism
able development; User interfaces; Cross-cultural research; Cultural markers; Design Patterns; Design philosophy; Design thinking; Emotio
e population. Furthermore, since the mid-1990s the bankruptcy rates have nearly doubled in the United States, and account delinquencies
acy; Literacy; National level; Social development; Public policy
ce; Financial markets; Investments; Managers; Behavioral economics; Financial decisions; Financial literacy; Financial principles; Governm
gs plan after meeting with an insurance agent who provided information about two different plans and then proceeded to recommend on
al et al, 2009; Almenberg and Ger des, 2011; Lusardi and Mitchell, 2011; van Rooij et al, 2011a) and the possibilities of introducing nationa
ons for poor investment decisions. We use a simulated retirement investing task and a new financial literacy index to evaluate the role of fi
port of Visa Inc. (http://investor.visa. com/phoenix.zhtml?c=215693&p=quarterlyearnings), the quarter ending 31 March 2013 reports a to
eas to improve economic understanding. At the elementary level, the book provides creative ways of introducing young students to the ba
artMaster; Educational tools; Inclusive design; Interactive stock market charts; Novice investors; Screen readers; Usability; Visually impaire
ed open datum; Ontology management; Personalized recommendation; Societal aspects; Semantics
wnson believed that American literature should be perceived as operating within a single value structure that joined aesthetic and market
arning; Collaborative activities; Learning preferences; On-line collaborations; Online cooperation; Online learning tools; Team skills; Stude
Accessibility; Financial literacy; Inclusive design; Multi-modal; Non visuals; Screen readers; Usability; Visual impairment; Investments
English
poverty; statistics and numerical data; very elderly; Aged; Aged, 80 and over; Educational Status; Female; Health Literacy; Humans; Indep
JAHEE 25903976
Hence, it is of utmost significance to understand the mutual fund industry in India. As such, this chapter makes an attempt to review the v
will describe the findings from the first international survey on financial literacy among high school students: the Programme for Internatio
r individuals and assisted in their financial decision making. We also disaggregated financial literacy into numeracy and knowledge to iden
rest, and the customer's degree of financial literacy. Two experiments conducted among undergraduate students in Israel showed that cus
nternal controls, and ethics on oversight responsibilities for both the audit committee and the entire board of directors. From my personal
Bangladesh
ts at one mainline Protestant seminary. Using interactive qualitative analysis, researchers discovered seven key themes that function as a
medical education; Pakistan; questionnaire; short survey; bank account; medical student; sex difference; young adult; Banking, Personal; C
market, have a smaller amount of overdue loans in bank, and more carefully plan their retirement. In our study, assessments of the level o
equired to accommodate the mathematical demands of private and public life, and to participate in society as informed, reflective, and co
at are rooted in principles of compassion. Basing their work on principles of psychological and archeological research that associates perso
anxiety; doctor patient relation; finance; human experiment; medical education; student; Commerce; Financial Management; Humans; Inv
ncomes; Online investments; Qualitative research; Qualitative test; Target group; Investments
ignorance of basic financial concepts. While steps have been taken to analyze effectiveness and promote financial education and literacy,
avior change; Behavioral economics; Financial literacy; Persuasive technology; Retirement saving; User interfaces
gement; health hazard; human; longitudinal study; personal experience; qualitative research; semi structured interview; sex role; themati
ng. Results show a gender gap in financial literacy as well as age, spousal support for retirement savings, risk tolerance, computational abi
anagement; Great Britain; Information Literacy; United States
g among young employees. The sample consists of 508 of young employees aged 40 and under in central zone of Malaysia, which selected
ns. Education about financial concepts and money management skills can equip them to face new financial challenges and adapt effective
English
will be negatively associated with trust in financial markets. In an experimental setting, we provide novice nonprofessional investors with a
estigate their relationship with key variables. Nearly all households that score high on financial literacy or rely on professionals or private
tion; (2) different pension plans; and (3) information costs and financial literacy investment decisions. In particular, we characterize the re
Microeconomic behavior; Retirement; Semantic memory; Finance
English
w this fits in with the development of youth financial literacy programs that are more proactive and aimed at raising adaptable financial con
to economics and a 12th grade economics class. The 12th grade economics classes, i.e., the two treatment groups and one control group,
eption; psychology; questionnaire; school; student; United States; young adult; Adolescent; Adult; Career Choice; Education, Veterinary; Et
ation science; Economic evaluations; Economic success; Financial education; Financial institution; Financial literacy; Financial mathematics
evelopment issues. The chorus of voices calling for increased financial education is diverse: educators, policymakers, activists, civic leader
mean delinquency was 20%). For applicants with unverified assets, the increase in delinquency was greater than 40 percentage points. Misr
ence that most respondents act on their inflation expectations showing patterns consistent with economic theory. Respondents whose be
an; independent living; information processing; male; socioeconomics; United States; young adult; Adaptation, Psychological; Adolescent;
suasive technology; Retirement saving; Social comparison; User interfaces

w of superannuation, mainly in response to the lack of accountability, comparability, and transparency discovered within 'default' investme
gement; problem based learning; procedures; retirement; United States; Education, Medical, Undergraduate; Educational Status; Geriatric
n the family home. A cruel reality sets in when the family home is sold at a foreclosure auction. The new deed holder can extract rents from
n the family home. A cruel reality sets in when the family home is sold at a foreclosure auction. The new deed holder can extract rents from
na; Platanista
ousehold; human; income; longitudinal study; New Zealand; policy; privacy; risk assessment; scoring system; self control; adolescent; Card
discusses in depth research with detailed analyses of financial literacy, financial education, individual investment outcomes, genetic inves
tion; resident; education; financial management; medical education; oncology; professional standard; Financial Management; Humans; In
; retirement; salary and fringe benefit; statistical model; time; Adult; Age Factors; Aged; Aging; Computer Simulation; Female; Humans; M
needs of owners, investors, creditors and other interest groups to businesses increase. In the first part of the study a framework for disclos
JPBEB
le aged; North America; occupational health; Occupational Injuries; parent; psychology; risk; safety; socioeconomics; statistics and numeri
omic survey; United States
ico [North America]; Mexico City; Latin America; Mexico [North America]
al heuristics. The rule-of-thumb training significantly improved firms' financial practices, objective reporting quality, and revenues. For mic
Female; Health Plan Implementation; Humans; Los Angeles; Patient Selection; Pregnancy; Pregnancy in Adolescence; Program Evaluation;
Hence, it is of utmost significance to understand the mutual fund industry in India. As such, this chapter makes an attempt to review the v
andate, the Securities & Exchange Commission (SEC) concluded that "American investors lack basic financial literacy."3 The study fou
or; literacy; microfinance; Ghana; Ghana
. A one-standard-deviation increase in conscientiousness is correlated with a 40% increase in net worth, a 53% increase in illiquid asset ho
English
oor as ignorant and in need of moral lessons on savings, consumption and credit. Financial literacy has to be positioned within a broader co
urkey; university; young adult; Adolescent; Adult; Child; Child Rearing; Economics; Educational Status; Female; Humans; Learning; Male; S
cial literacy; human; human experiment; information literacy; male; middle temporal gyrus; neuroimaging; postcentral gyrus; posterior cin
24893911 English
sal effects; Education systems; Financial education; Financial literacy; Government projects; Meta-analysis; Finance
pect. The purpose of this paper is to obtain new evidence about a fundamental question of empirical studies on economic literacy: the de
ce; Productive learning; Product design
wealth, and the results are more pronounced at older ages, when according to the lifecycle hypothesis they are meant to decumulate their
. This finding is consistent with social learning as a mechanism of financial knowledge acquisition, with neighborhood education serving as
ntended to enhance levels of financial knowledge in the larger population. Next, we draw on recent surveys to establish how much (or how
economics; Financial decisions; Financial literacy; Financial mathematics; Modern engineering; Political science; University students; Stud
terfaces; Models; Social networking (online); Students; Taxation; Course; Critical assessment; E-learning course; E-learning teaching; Elect
standings K-12 students should acquire about the economy, and what this means for what teachers need to know. Looking to John Dewey
get; economics; Europe; female; financial management; income; Italy; male; organization and management; personal autonomy; retireme
ent division of the Bureau, focuses on low-income and economically vulnerable consumers. This book discusses the empowering low inco
hp); Conservative approaches; Czech Republic; European Countries; Finance management; Financial literacy; Financial service; Households
significantly lower stock returns, probably due to the management's opportunistic behavior. However, the independence and financial lite
aining or curriculum, leaving many practitioners unaware of the processes associated with remediating the distress. The authors address th
rall pre-test and post-test scores, and overall pre-test and post-test attitudinal scores. The MANOVA results indicated that JA BizTown curr
decisions; Financial literacy; Knowledge base; Microworlds; Service encounter; Finance
ely to begin contributing to the plan relative to their peers in the control group. Many workers do not participate in their employers' suppl
complicate making informed financial decisions. That is the main reason why financial education is identified as a key driver to improve th
etirement; satisfaction; socioeconomics; statistics and numerical data; United States; Cluster Analysis; Female; Financing, Personal; Foreca
utrition Disorders; child welfare; cross-sectional study; economics; evaluation study; female; financial management; human; male; Peru; po
ss; health care delivery; human; male; medical school; medical society; medical student; organizational downsizing; organizational efficien
were retained and that these learning were applied to make improvements in participants' financial situations. Participants acknowledged
English
y; lowest income group; male; social exclusion; social isolation; social support; social welfare; structured questionnaire; training; victim
ers; Predatory lending; Subprime loans
e perceptions of six "partners," individuals and organizations that work with libraries to offer programs and services. Next, we report the r
literacy level similar to the Jump$tart Coalition's 2008 college sample. While the financial situations and well-being for most are positive, t
English
English
ntelligence; decision making; discriminant validity; economic aspect; experience; female; financial deficit; fluid intelligence; groups by age
ealth education; health promotion; high risk behavior; human; male; methodology; Mongolia; motor activity; randomized controlled trial; r
on making; dementia; education; episodic memory; executive function; female; finance; financial literacy; health literacy; human; major c
PAGIE 23957225
ors such as lower levels of income, gender, educational attainment, and the recent downturn in economic fortune of a household were als
e differently situated schools (in terms of religiosity level and socio-economic status [SES]), filled in a multiple-choice questionnaire constr
JBFID
Participatory design; Ubiquitous computing technology; Curricula; Design; Education; Research; Ubiquitous computing; Teaching
ity journal; social aspect; United States
to marketing decisions and business in general. © Keith Ward 1989. All rights reserved.
udent respondents (N = 1,506) to an Internet-based survey. Results indicated that the majority of social work student respondents scored
gender, nationality, class rank, work experience, and college major. In addition, the study revealed large gaps in FL between Jews and Arab
welling; Residential energy; Residential sectors; Energy efficiency; Energy utilization; Heating; Housing; Investments; Consumer behavior; c
whether responses to these questions accurately capture underlying financial capability, or whether they causally relate to subsequent fin
ation; Bosnia and Herzegovina
English
anel data; Azerbaijan; Kyrgyzstan
s of recent experiences of physical and sexual marital violence, this survey collected data from 4,880 rural women of four states-Maharash
e needs of multiple audiencesresulting in effective programming. © 2013 Extension Journal Inc.
processes, and some needed basic financial literacy skills. Caregiver challenges included concerns about adequacy of parents' resources, d
f students while attending a college, was used for the project. The authors examined differences in factors that influence transfer and non
opportunities, economic development and empowerment in South Africa, especially for women. However, the informal sector is heterogen
s; religion; retirement; United States; Aged; Comprehension; Female; Humans; Least-Squares Analysis; Longitudinal Studies; Male; Religion
arner attributes, educators can create motivating learning environments and seek appropriate teaching methods to capture participant att
racy across five dimensions (or 'themes') of financial literacy and across three cognitive levels. They find that financial literacy is poor over
ng to fund his education primarily on his own, Adi was the founding director of the iOme Challenge, and currently serves as co-chair of my
eting analysis; Secondary schools; Simulation games; Commerce

moved from defined-benefit plans, in which the employer bears investment responsibility, to defined-contribution plans, in which the resp
ration in June 2012, recognising the need for women and youth to gain access to financial services and financial education. Gender equali
with its significant provisions of 20-year imprisonment for certain offenses, and the conviction of Enron’s CEO and other senior executives,
More heavily represented among the planners are the self-employed, those with high financial net wealth, and those who have spoken to a
acy; Information products; Life cycle assessment model; Lifecycle management; Research life cycles; Life cycle
ral areas; Base of the pyramids; Direct observations; Electronic fund transfers; Governmental regulations; Implementation projects; Inform
mends the addition of specific ethical, social, and environmental standards to current financial literacy standards. The example of water is
field. Through its naivety, financial literacy education perpetuates the false impression that men and women experience economic particip
ticle calls into question the seemingly common-sense construction of financial literacy as personal money management for citizens and con
eness; Programming education; Students' interests; Computer games; Curricula; Information systems; Mathematical programming; Studen
arch into curriculum development in the area of financial literacy.

sion; educational status; female; financial management; health care; human; income; male; mental test; priority journal; scoring system; s
nding of public and company-provided retirement benefits. Controlling for basic demographics and wealth, we find that misconceptions a
cy trading; informational asymmetry; retirement; Securities and Exchange Commission; securitization; short selling; systemic risk
racy; rural area; rural finance; Gujarat; India
we develop such a measure, focusing specifically on financial knowledge. Using item response theory (IRT), we analyze items from three
major clinical study; male; money; personal experience; policy; reward; social attitude; socialization; South Korea; Achievement; Adolescent
; Education; Financial Management; Humans; Income; Retirement; United States
ics; Financial Management; Financial Support; Humans; New Zealand; Policy; Poverty
ecision-making. Financial illiteracy is not only widespread, but particularly severe among older women. As baby boomers continue to retir
matter in emerging economies. This study attempts to address this paucity in the body of knowledge by investigating the nature and exten
Anti-Retroviral Agents
tus; human; income; male; mental health; neuropsychological test; psychological aspect; sex difference; statistics; United States; Activities
n; health program; human; income; nutrition; population research; priority journal; United States
ned by differences in the characteristics of men and women-but rather differences in coefficients, or how literacy is produced. We find tha
man relation; income; interview; longitudinal study; middle aged; multicenter study; multivariate analysis; partner violence; psychological a
ming more and more complex. So a point exists when the learning results of school education as well as lifelong financial education will no
created poverty, unemployment and economic insecurity require more than individual consumer solutions; they require collective respon
tics; war; Afghan Campaign 2001-; Brain Injuries; Depressive Disorder, Major; Employment; Humans; Income; Iraq War, 2003 -; Social Adju
ciplinary project; Interdisciplinary teams; International development; Intrinsic motivation; Long-term partnerships; Quantitative and quali
me security at older ages. Among those risks are access to institutional mechanisms for retirement saving and the requirement to assume
havior. However, a financial education program has modest effects, increasing demand for bank accounts only for those with limited educ
eficiency virus infection; Mongolia; priority journal; prostitution
ology; patient education; psychological aspect; psychological model; quality of life; review; vocational rehabilitation; Activities of Daily Livi
nance; Microelectronics; Motivation; Students; Teaching; Object oriented programming
ty in expressed uncertainty is associated with demographic characteristics and financial literacy, and measures of central tendency derive
was to benchmark and then determine if graduating business students' perception of their retirement planning familiarity, motivation, and
ortantly, it presents a lucid discussion of the policy options that are meant to improve advice or to reduce the need for advice. Instead of
vings, the participants begin to grasp the difficulty of meeting day-to-day living expenses. Based on the evaluation, participants gained at l
urrounding this decision. They argue that financial education represents a valid curriculum concern and that inadequate personal finance
ne's College of Business and Public Management has been conducting a community outreach program for high school students. This pape
chools studied, but that there are statistically significant differences in the level of literacy between the students in the various schools. ©
egardless of coursework in personal finance or grade level. Belarusian high school students performed on a par with US high school studen
220485
oad range of financial literacy measures used in research over the last decade. An overview of the meaning and measurement of financial
mer 2008) special issue of the journal that also focused on financial literacy. Copyright 2010 by The American Council on Consumer Interes
vailable information resources. Reviews of effectiveness of sample financial education programs for adults and K-12 are described. The co
gated the determinants of financial literacy using the 2006 wave of the Italian survey on household income and wealth. Empirical results i
vailable information resources. Reviews of effectiveness of sample financial education programs for adults and K-12 are described. The co
English
ciodemographic characteristics and family financial sophistication. Specifically, a college-educated male whose parents had stocks and reti
varying conceptual definitions in existing research, as well as diverse operational definitions and values. This study dissects the differing fi
differences in inflation expectations may be partially explained by variations in expectation formation and financial literacy. Specifically, hig
y sector; young population

ent; Keynesian theory; price dynamics; welfare economics; United Kingdom
nd capability have important implications for the way individuals manage their ongoing finances and debt. Those who do so poorly are esp
undled nonportfolio services. Search costs for fees matter, but even when we eliminate these costs, fees are not minimized. Instead, subje
ehavioural shortcomings exhibited by individuals in their financial decision-making. While recognising the need to consider behavioural bi
ills to evaluate their options and identify those that best suit their needs and circumstances. This book explores The Financial Literacy Stra
programs; Curricula; Engineering; Knowledge engineering; Reengineering; Engineering education

s void. The findings of a mail survey suggest that those who completed the program are more likely to accumulate assets, continue saving
JSECF
ted with mobile technologies is increasingly important Drawing on research into youth 'mobile literacy' practices, this paper explores the r
10705422
e, a state requirement for high school graduation. Our key performance measure is the Test of Economic Literacy (TEL). Using a pretest-po
n structures. In an easy-to-follow style, the book clearly explains the workings of basic financial calculations, captures the concepts behind
nd; Western Europe
nts, this study is a Discourse analysis of a discussion of personal finance on a web-based fan forum dedicated to hip hop music and culture.
urn are changing lives, families, and entire communities. The authors provide an overview of HSBC Group's sustainability strategy, a brief h
cial sophistication increases strongly with financial wealth and household size, and to a lesser extent with education and proxies for financ
h Benefit Plans, Employee; Humans; Motivation; Teaching; United States

at generate instability are not based on irrationality, greed, or market imperfections; they are intrinsic to the way the capitalist economic s
nt; pedagogics; reading; student satisfaction; curriculum; decision making; education; organization and management; pharmacy student;
s volume offers insights on current debates over economic literacy, standardized test performance, the impact of gender, class attendance
obation, prosecution, healthcare, social services, transport and defence. A substantial body of literature on accounting in its social and ins
y analysis; Support vector machines; Finance
tions. Previous studies have also frequently failed to allow respondents to admit not knowing the answer to financial questions posed to th
th scores on the 31-question, multiple choice exam now hovering just over 50 %. Students from families with greater financial resources t
urrent study concludes that high school training has no significant impact.
aluation to assist those currently delivering, and planning to deliver, financial education while highlighting some of the key challenges. Jaco
network models; New models; Support vectors; Backpropagation; Backpropagation algorithms; Computer systems; Finance; Image classifi
response, policymakers have embraced financial-literacy education as a necessary corollary to the disclosure model of regulation. This edu
nancial goals, independently but synergistically decrease girls' risk of coerced sex or exchanges of sex for money, and increase their ability
English
tive financial actors. While quantitative analysis turns up few significant program effects, qualitative work implies that implementation iss
's Internet-based, customer-centered, virtual, and evolving educational environment. Financial security Is the ability to meet day-to-day ex
Western Europe
to succeed: a review of enterprise in education (SEED 2002). The government clearly perceives a link between this kind of activity in schoo
cial Security alone will not assure a comfortable retirement for lower-income workers. Our survey of more than 300 lower-wage service w
ess of such programs. The study reported here examined the results of Money 2000™ and its ability to influence behavior and financial pre
e. It finds that regulators in both countries represent financial education as empowering consumers but that each embeds in its policy an i
day and make no provision for changes in circumstance, unexpected expenditure, or retirement. In addition, with the low levels of financia
orum on the federal government's role in improving financial literacy (2004). And it's not just happening in the United States-the United K
ustainable growth; Budget control; Cost accounting; Decision making; Information analysis; Investments; Personnel; Finance
els; Spreadsheet software; Students learning; Economics; Engineering education; Mathematical instruments; Tools; Spreadsheets
United States
research in other subjects as to whether there is a difference in student performance dependent upon whether the courses was taken in a
card debt. Lack of financial knowledge, age, number of credit cards, delay of gratification, and attitudes toward credit-card use were relate
ment; retirement; risk management; Education, Nursing, Continuing; Financial Management; Humans; Insurance, Disability; Internet; Nurse
ology; school; teaching; United States; Achievement; Adolescent; Adult; Child; Commerce; Forecasting; Humans; Learning; Schools; Teachi
human; income; mental disease; mental health care; mental health service; poverty; prevalence; psychiatric treatment; review; social sup
udent; technology; United States; workplace; Adolescent; Child; Commerce; Educational Status; Forecasting; Humans; Industry; Learning; S
agers; Publishing; Executives; Finance; Management; Newspapers; Personnel Training; Publishing

s include years of work as a CFO, experience at another company, advanced degrees (like M.B.A.S), and professional certification (like a CP
iew; self report; statistics; training; United States; Adult; Bankruptcy; Education; Educational Status; Female; Financial Management; Heal
ave included noneconomic factors in examining the economic-exchange practices of adults, but the role of such social or moral influences
of a short list of economics concepts. In this paper, I define economic literacy, explain why the first economics course should target econo
ducation and awareness. It identifies and analyses financial literacy surveys in member countries, highlights the economic, demographic an
vernment; handicapped child; human; legal aspect; poverty; United States; Adolescent; Child; Curriculum; Disabled Children; Disabled Pers
ganizations to the accepted and often demonstrated need for financial education has been impressive in size and scope. This article provid
ze how financial literacy impacts their future financial expectations. In addition, employees who gain considerable literacy in financial matt
al knowledge to make wise decisions. Bernheim (1998) raises concerns about whether households are financially literate enough to make w
m solving; Professional aspects; Strategic planning; Students; Teaching; Engineers
Problem solving; Professional aspects; Technical presentations; Curricula
standard; United States; Community-Institutional Relations; Education; Financial Audit; Governing Board; Humans; Professional Competen
ccounting witnesses to such assessment. We reveal the difficulties these accounting experts have experienced in presenting evidence. The
o attain sufficient commonality with the test instrument for the 14 year-olds in order to facilitate meaningful cross-population references.
ortant and, under the name financial literacy, is actually getting on the political agenda. There are several initiatives—mainly of not-for-pro
ent. The results of the study show that curriculum mandates, broadly defined, are not generally associated with higher students' scores. H
; Mathematical models; Professional aspects; Students; Engineering education
duce welfare spending and encourage low skilled individuals into low paid work increasingly require them to make sense of the inter-relati
e education positively affects the intention to attend college. Other factors found to be influential include ethnic background, academic ab
allows economics to integrate every aspect of the classroom and allows Praxis achievement. This paper explores the essential nature of Pr
udy was led by the Telematics Centre at the School of Education at the University of Exeter, working in collaboration with the NatWest Fin
alyzed and compared with national averages for the TEL. The 3 subjects the students understood best were currency exchange, competiti
t model that jointly endogenizes an investor’s level of financial literacy and choice of distribution channel is estimated. Strong evidence th
he level of education achieved and the completion of an economics course. © 1995 Taylor & Francis Group, LLC.
genre whose development is sketched as context. This account focuses on the evolution of their form and functions rather than their vari
ally, developing this literacy has been seen as just another training issue on the agenda for the company's training department. This paper
matter, whether the teacher has a high degree of enthusiasm toward the teaching of the subject, and, for students who scored over 30 on
Manufacturers
y education; Service industry
finition of financial literacy or abandoned the model altogether in favor of capability or similar constructs. Using Bloom's domains of know
utual funds). These questions are linked to data on socio-demographic characteristics like gender, age, education, occupation, family incom
de Index (FAI), Financial Knowledge Index (FKI), and Financial Behavior Index (FBI)—because they show a dynamic of their own in each reg
tates; validity; female; male; middle aged; nurse administrator; professional competence; psychometry; questionnaire; reproducibility; Ad
just business. It defined entrepreneurship as “the value that is created, financial, cultural, or social”. The importance of entrepreneurship
ve) in the market a positive relationship between expense ratios (price) and service quality. In the second study, in the presence of an anc
sumer Financial Protection Bureau. Across three studies of US individuals, we assess the nomological validity of this measure of financial v
Sustainability
i structured interview; Uganda
English
n the recent time. Specifically, after the implementation Pradhan Mantri Jan Dhan Yojana in August 2014, much improvement has happen
rt naïve investors. The gullibility of potential investors can be reduced if the same networks are used to foster financial literacy. © 2019 Ec
English
ience, which I benchmark against national samples of financial capability skills in the United States. I then replicate a sample of three acco
table to the program. It also raised the probability of willingness to save by 4 percentage points. Nonetheless, whereas the program appe
not at all) increases financial literacy by 16%, and health literacy by 12%. Our results are robust to alternative measures of financial literacy
sumers, more consumer-centric evidence is necessary to determine how small-dollar credit consumers make decisions when purchasing l
tion impacts young adults' use of AFS. I find that financial education mandates significantly reduced the likelihood and frequency of payday
FK in retirement investment decisions: SFK mediates the effect of OFK on risk-taking, not on investment decision quality. While the interac
rus infection; incidence; infection risk; majo
English
tionnaire; regression analysis; retirement; sex factor; statistical model; United Kingdom; Aged; Choice Behavior; Female; Humans; Informa
J. Econ. Educ.
al worker; vampire; wellbeing
dents, the authors seek to determine what types of financial literacy support academic libraries are providing, who is participating, what p
acy, and a rich set of demographic
English
rocedures; psychology; radiation oncologist;

Thus, the impact of being white alone persists, indicating a racial financial literacy and/or behavioral difference despite financial literacy e
n on financial support and family background to account for concerns about the exclusion restriction. The results provide support for a pos
s of conscientiousness (propensity to plan, perseverance, and scrupulosity), and financial literacy in developing a propensity to save and b
guage; Male; Mathematics; Neuropsychological Tests; Predictive Value of Tests; Problem Solving; Regression Analysis; Young Adult
English
English
s people have a security for future life through access to education and health facility, a secure future and better standard of living. In Indi
Microelectronics
nary motives. Moreover, changing perceptions about credit access risk are essential for predicting transitions among the two groups. Pref
English
owledge; knowledge; literacy; medical education; money; online analysis; orthopedic surgeon; physician attitude; resident; retirement; reti
onal channels like mobile telephony. Yet,
dy; male; middle aged; pension; decision
restimation by respondents in their self-reports. We also confirmed some of the patterns found in former studies, including the gender ga
Int. J. Consum. Stud.
English
ather, it looks at whether and how microfinance empowers women in a holistic manner across the socio-cultural, psychological and politic
English
d the proportion of dependent members in a household. © 2019 Economic and Political Weekly. All Rights Reserved.
cial principles; Household savings; Nongovernmental organizations; Undergraduate software engineering; Computer aided instruction
English
ce. Methods: We synthesized recommendations an
English
he period required for the respective goal. Further, there is ample potential supply from natural issuers. This innovation trivializes the inve
English
khstan; procedures; program development; prost
re engineering; Computer aided instruction
English
Psychol. Soc. Educ.
English
English
English
A one-standard deviation increase in financial li
as high as the likelihood at the 90th percentile. In a model with combinations of high or low objective and subjective financial literacy, tho
literacy interventions, little research has addressed how community colleges can be proactive and help students avoid a financial crisis be
English
m gaps in financial knowledge. This is true not only in developing countries but also in countries with well-developed financial markets. Re
surveys that focus on Social Security knowledge with detail by respondent age, education, and financial literacy level. Our findings indicat
ic analysis. Many in Congress claim to believe that price controls on prescription drugs will make consumers in the medical market better o
English
x and lengthy lending procedures, limited information about SMEs’ creditworthiness, and low financial literacy. The chapter then looks at t
mming interfaces (API)
United States; veterinarian; Animals; Colorado
English
English
Asian Acad. Manage. J.
English
English
English
mpulse control and derive three hypotheses: (a) people with higher levels of self-control save more than those with lower levels of self-con
hnology usages; Internet based application; Questionnaire surveys; Taxation

English
English
udy; male; motivation; organization and management; retirement; Employment; Female; Goals; Humans; Income; Investments; Longitudin
English
English
re delivery; male; middle aged; organ
ures; Adolescent; Child; Cross-Sectional St
J. Adolesc.
understand disclosure. By advancing a typology of investors and their disclosure needs, this Article further argues that we may have signific
English
Rev. Econ. Household
J. Dev. Econ.
English
linois; patient selection; procedures; psy
English
res; Students
ng speed of the spread of new technologies has hastened the emergence of innovation in the field of finance. Topics like the Internet of Th
y utilization; Finance
mption behavior; demography; discrete choice ana
English
e; Information dissemination
; very elderly; aging; decision making; de
etirement; sex difference; social interaction; aged; financial statement; longitudinal study; middle aged; nurse; procedures; psychology; qu
fied to make financial decisions. In fact, they are particularly vulnerable in making poor financial decisions as many students do not undert
10795014
ncial literacy services would benefit rural people but it is a challenge to all stakeholders today. One-hundred twenty-five people all over Ind
derstanding product features chose more longevity insurance at higher ruin risks. Financially literate members were more likely to show un
w avenues for development. Marketing Techniques for Financial Inclusion and Development is a critical scholarly resource on the marketin
sers of the budgeting app report to check their cur
English
ates the challenges faced by banks for financial inclusion in context of infrastructure and institutional credit, risk perception, illiteracy, com
al taxation, and financial literacy. Furthermore, the collection of articles covers issues of communication, media, and women's studies. ©
ctices initiated around the world which, regardless of their superiority, are all useful initiatives and can roll play as a spot light in the road o
o the success of Latino students. Through a metasynthesis, this practice briefly identifies that there is little to no empirical research condu
English
portfolios and do so in a way that holds their
der-, location-, employment-, education-, technology-, and debt-driven differences in financial literacy. Much of the observed regional dive
tion; income; Kazakhstan; literacy; rando
English
J. Multinatl. Financ. Manage.
ulnerable people. This book's coverage of a wide range of financial products and geographic regions makes for a unique and innovative per
randomized controlled trial (topic); review; self report; social determinants of health; speech; statistical significance; systematic review; a
Financial Literacy was affected by factors including gender, marital status, work status, level of education and number of financial depend
towards), access to and use of financial servi
S. Afr. J. Econ. Manage Sci.

Int. J. Plur. Econ. Educ.
ewable energy consumption; Standard of livin
clusions; Financial literacy; Learning manag
re; Finance
nal; prospective study; smoking; social n
New Zealand; radiology; residency education; retirement; suicidal ideation; United States; education; financial management; medical educ
e design of a personal finance curriculum. Methods: A qualitative approach using semistructured interviews was used to explore the know
; Young Adult
dges; Robo-Advisory; Architecture
English
eing, and psychological constructs. This art
English
with our results to a certain extent, the survey evidence suggests caution in taking this portrayal too far. Net worth appears to be more im
ff; teaching; vision
aged to examine and interpret the environment from a variety of perspectives'. In examining the balance between people and their imme
Humans; Learning; Male; Metacognition; Midd
n; VECM; Vector error correction; Vector error correction model; Investments
eport; Adult; Attitude of Health Personn
e; female; healthy aging; information re

BMJ Open
Decision Making; Developing Countries; F
Global Health Action

tivation; pain; postnatal care; prenatal care; preschool child; side effect; socioeconomics; statistical analysis; tertiary health care; urban are
m the government for pensions primarily for informal sector workers. The MUDRA (Micro Units Development Refinance Agency) is intend
ystems and software; Virtual community; Electronic money
(TRY) team approach was used for the training of 81 teens, who then taught 530 youths statewide. The curriculum addressed researchbas
dy; male; outcome variable; patient counseling; priority journal; problematic internet shopping; questionnaire; risk factor
English
English
cher and the time preparation of students is examined. Research has led to the following conclusions: (a) the school success of students is
Rev. Econ. Dyn.
English
of health; workflow; Canada; computer
English
ange of topics, including post-hoc evaluation; shifting economic paradigms; the World Bank Group's response to the global economic crisis
tudents with lower financial well-being and higher financial stress were more likely to doubt their ability to complete college. Results for t
Gadjah Mada Int. J. Bus.
English
Software design; behavior; human; investment; major clinical study; marketing; model; practice guideline; quantitative study; questionna
tal status); Switzerland; adolescent; age
J. Health Econ.
jor clinical study; male; outcome assessment; s
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orrifying reality of facing foreclosure, bankruptcies that will force themselves into financial ruin (Bradford, 2011). As a result of the financi
Adv. Sci. Lett.
English
health; decision making; health literacy; health service; patient participation; utilization; Decision Making; Financing, Personal; Health Lite
ian; poverty; preventive medicine; primary med
English
English
New Polit. Econ.
J. Econ. Policy Reform
mers significantly limit the effect of disclo
Cap. Mark. Law J.

ors to support the financial education of future teachers at the Faculty of Education at the University of South Bohemia. In addition to the
ent; adolescent; decision making; educa
emocratisation' to analyse the financial education project in the UK, the book exposes serious, and often ignored, limitations to using info
rtant—for example widows or single women—also know little about concepts relevant for day-to-day financial decisions. The gender diffe
cteristics associated with low levels of financial literacy. Specifically, face-to-face interaction is negatively related to default for minorities,
hand held devices technology and had since grown exponentially. It served more than 64 million end customers all across India adding av
nal Studies; Curriculum; Education, Medical; Fellowships and Scholarships; Financial Management; Financing, Personal; Humans; Internet;
immunodeficiency virus; literacy; major clinical study; marriage; mental capacity; mentor; nonhuman; nutrition education; quantitative stu
Adv. Sci. Lett.

elivery; health care planning; health literacy; income; procedures; psychology; quality of life; trends; Adult; Aged; Choice Behavior; Decisio
ram; human; independent living; knowledge; law; medical research; policy; Review; treatment outcome; adolescent; human development
oral research
ctors; Aged, 80 and over; Aging; Alzheimer
ANECF
tudies; Colorectal Neoplasms; Cost of Illness; Employment; Female; Humans; Interviews as Topic; Male; Middle Aged; Patient Education as
ped measure of financial adviser anxiety. We define adviser anxiety as (an existing or prospective clients') concerns involving the prospect o
ntroduce important research questions highlighting areas where little is known and where much opportunity lies to inform policy and imp
grate the stories, language arts, and financial literacy through dramatic retelling, using graphic organizers, a learning center, writing and dr
English
ucators or their professional learning needs and interests in this interdisciplinary field. This article reports research exploring practising tea
Also, the article presents a stratification economic lens as an alternative to the conventional wisdom to better understand why the racial w
cation of a structural equation model (SEM), our results illustrate that the effect of family background on financial literacy is only partially m
teracy training which, while critical, is not sufficient to ensure a financially healthy life. Rather, such a healthy financial life could be achiev
Position papers; Questionnaire; Semantic un
Socio demographic; Insurance
an the population at large. Most importantly, financially savvy employees are also most likely to participate in their DC plan. Sophisticated
th innovative products, financial literacy outreach, and efficient modes of product delivery. Positioning itself as both technologically savvy
g adult; adolescent; attitude to health; dem
g with Entrepreneurs in Academic and Public Libraries." In 2014 she was part of the team that wrote Financial Literacy Guidelines for the A
English
; Human immunodeficiency virus infection;
J. Int. AIDS Soc.
the most popular financial literacy resources compare and contrast, and address how overlap, and the surprising degree of separation bet
Adv. Sci. Lett.
yholder to drive surrender behavior. We define this expectation as the “moneyness hypothesis.” The statistical analysis confirms our mone
Socio-economic status was found to have a negligible role in determining debt attitudes, while the role of financial literacy was limited to r
d States; Adult; Aged; Budgets; Female; Financing, Personal; Housing; Humans; Interviews as Topic; Male; Middle Aged; Negotiating; Owne
tes; Curriculum; Delivery of Health Care; Humans; Psychology; United States
th mathematics and financial education, by and large, decrease reliance on nonstudent debt and improve repayment behavior. Economics
wo ways: they were distributed across campus and they were used in an adult ESL curriculum. In a History of Mathematics course, student
reasingly viewed as a necessity for the public good of the students and the future economy. The Community College of Baltimore County (
borrowers who default on their federal student loans. Mohave Community College (MCC) had the sixth highest CDR for two-year public in
ompanied by negative social, economic and psychological factors. The results suggest a possible link between financial problems of people
ecision making; economics; female; financial management; health status; male; middle aged; patient participation; psychology; young adu
klist; child parent relation; cognitive devel
English
umans; Impulsive Behavior; Investments; Male; Psychometrics; Reproducibility of Results; Students; Surveys and Questionnaires; Universi
c perception; Regulatory costs; uncertainty; Cost benefit analysis; cost-benefit analysis; information management; knowledge; literacy; reg
ations; Students
Bangladesh; Zea mays
English
mprehension; diffusion weighted imaging
female; health insurance; male; middle aged; socioeconomics; statistics and numerical data; Aged; Awareness; Costs and Cost Analysis; D
tistics and numerical data; United States; Adult; Aged; Chronic Disease; Costs and Cost Analysis; Female; Humans; Insurance Coverage; Ins
nd teacher training and teacher education in financial literacy. In doing so, it provides precise definitions of the construct of financial litera
English
English
ls will increasingly have to make complex financial decisions to plan for their retirement and for a range of foreseen and unforeseen expen
ch as retirement. This book shows what you can do to improve financial literacy awareness and education. It covers the use of interactive
behavior survey. Findings showed a significant positive correlation between financial literacy and behavior. Furthermore, there was no sign
eptibility to the influence of "feelings as information" when making retirement decisions. Study 3 utilizes qualitative data to consider the c
to change financial behaviors across five financial topics: credit cards, investments, loans, insurance, and financial advice. For each topic,
acy they and others have found. Similar developments are evident in Australia, where regulators, industry associations, individual busines
esearchers have in fact reported that financial literacy is associated with higher levels of victimisation (NASD, 2006; American Association
easuring instruments; Technical universities; Finance
average financial practice skills but with higher than average financial literacy scores, were less likely to have sufficient precautionary savi
Multiple regression analysis; Multiple regression model; Technical universities; Surveys
stors. Our research focuses on financial literacy as it relates to financial planning for retirement ("retirement literacy"). It surveys and docu
vant information, fundamental knowledge and adequate skills to evaluate their savings and investment options, which, in turn, enable the
the interplay between rational and irrational factors. Later contributions show how credit card companies benefit from limitations in cons
philosophy; Design thinking; Emotion; Financial competence; Financial inclusions; Financial literacy; Future trends; Methodology; Mobile
ed States, and account delinquencies for credit cards and home mortgages have systematically grown. Interestingly, these trends have bee
eracy; Financial principles; Government regulation; Household decisions; Neuroeconomics; Trading biases; Decision making; brain; contro
d then proceeded to recommend one of them. The study examined whether the tendency to choose a particular plan is related to the ins
he possibilities of introducing national literacy programmes (Lusardi, 2008; Cole etal, 2012; Taylor et al, 2012) to empower consumers (Bre
teracy index to evaluate the role of financial literacy in retirement investment decisionmaking in a group of nonexpert participants. Our re
English
er ending 31 March 2013 reports a total volume (payment and cash volume) in the Visa credit program of nearly US$700 billion, with a gro
introducing young students to the basic concepts of economics, financial justice, and social action. For higher grade levels, the book offers
n readers; Usability; Visually impaired; Human computer interaction
ure that joined aesthetic and market modes of valuation. In the wake of the nonrenewal of the US Bank's charter in 1832 and the Panic of
ine learning tools; Team skills; Students
English
Visual impairment; Investments
J. Behav. Financ.
male; Health Literacy; Humans; Independent
English
er makes an attempt to review the various literatures available in regard to mutual funds to evaluate the performance of various mutual f
udents: the Programme for International Student Assessment (PISA). I am honored to chair the financial literacy expert group that designe
nto numeracy and knowledge to identify key drivers. Using an experimental design, we find the increased salience resulting from modifyin
ate students in Israel showed that customers mostly follow the agent's recommendation, even against their best interest, and despite the
oard of directors. From my personal perspective as an audit committee member and as a director of both profit and nonprofit entities, th
seven key themes that function as a conceptual system (mindmap). Participants reported that the three themes that exerted the most infl
nce; young adult; Banking, Personal; Cross-Sectional Studies; Female; Financial Management; Humans; Male; Pakistan; Sex Factors; Studen
our study, assessments of the level of financial literacy of Russian citizens are compared to their activity on the stock market. © 2015, Plei
ociety as informed, reflective, and contributing citizens. While there is an increasing focus on numeracy internationally, there is not yet a w
logical research that associates personal wellness with self-security based on principles of trust, the authors posit that personal fulfillment
Financial Management; Humans; Investments; Physicians
English
mote financial education and literacy, it solves only one facet of improving savings behavior. Thus, privatesector financial planning firms ne
r interfaces
ructured interview; sex role; thematic analysis; widowed person; adaptive behavior; economics; psychological interview; psychology; socia
ngs, risk tolerance, computational ability, an
ntral zone of Malaysia, which selected through multi stage sampling technique. Data were collected through self-administered questionnai
ancial challenges and adapt effectively to shifting personal and economic circumstances. Evidence suggests that financial and consumer be
English
J. Bus. Financ. Librar.
vice nonprofessional investors with an instrument used to assess financial literacy and their trust in financial markets. Controlling for inves
English
cy or rely on professionals or private contacts for advice achieve reasonable investment outcomes. Compared to these groups, households
In particular, we characterize the results from both a positive and normative standpoint, by highlighting the determinants of individuals' c
J. Retail. Consum. Serv.

med at raising adaptable financial consumers. Guidelines are provided for the design of such proactive financial literacy programs, which t
ment groups and one control group, also worked on identical stock market portfolio assignments that their teachers required independen
eer Choice; Education, Veterinary; Ethnic Groups; Female; Financial Management; Humans; Male; Perception; Questionnaires; Schools, Ve
ancial literacy; Financial mathematics; Opportunity costs; Techniques of analysis; Cost benefit analysis
s, policymakers, activists, civic leaders, and parents. What is less clear, however, is who should do what to ensure that America becomes m
ater than 40 percentage points. Misreporting was most frequent in areas with low financial literacy or social capital. Incorporating behavi
omic theory. Respondents whose behavior cannot be rationalized tend to have lower education and lower numeracy and financial literacy
aptation, Psychological; Adolescent; Child Welfare; Consumer Behavior; Female; Financing, Personal; Focus Groups; Foster Home Care; Hu
discovered within 'default' investment options. An outcome of this review was the MySuper initiative, which imposes obligations on fund
raduate; Educational Status; Geriatrics; Humans; Models, Educational; Problem-Based Learning; Retirement; United States
ew deed holder can extract rents from the property and use slowmoving court procedures to forestall a primary lienholder's foreclosure, t
ew deed holder can extract rents from the property and use slow-moving court procedures to forestall a primary lienholder's foreclosure,
system; self control; adolescent; Cardiovasc

investment outcomes, genetic investment biases, and related issues. A vast literature concerning investor financial literacy and education
; Financial Management; Humans; Internship and Residency; Professional Role; Radiation Oncology
uter Simulation; Female; Humans; Male; Middle Aged; Models, Economic; Monte Carlo Method; Pensions; Retirement; Salaries and Fringe
of the study a framework for disclosures is provided by classifying public company reports into four main categories which are financial re
English
ocioeconomics; statistics and numerical data; trust; workplace; Adolescent; Adult; Attitude; Canada; Employment; Female; Focus Groups;
orting quality, and revenues. For micro-entrepreneurs with lower skills or poor initial financial practices, the impact of the rule-of-thumb t
n Adolescence; Program Evaluation; Randomiz

er makes an attempt to review the various literatures available in regard to mutual funds to evaluate the performance of various mutual f
sic financial literacy."3 The study found that investors do not understand basic concepts such as diversification, investment costs, inflation
th, a 53% increase in illiquid asset holdings, and a 33% increase in liquid asset holdings. A one-standard-deviation increase in financial liter
J. Pover.
s to be positioned within a broader conceptual view of the financial system, so as to become a tool to raise critical consciousness and equi
; Female; Humans; Learning; Male; Students; Turkey; Universities; Young Adult
aging; postcentral gyrus; posterior cingula
Arch. Gerontol. Geriatr.
alysis; Finance
studies on economic literacy: the determinants of the level of economic literacy. Besides, we investigate the level of economic literacy of
s they are meant to decumulate their wealth.

h neighborhood education serving as a proxy for the level of financial knowledge of one's social network. Although social effects are not th
urveys to establish how much (or how little) pe
cal science; University students; Students
ng course; E-learning teaching; Electronic education; Financial literacy; Life long learning; Secondary sources; Teaching
need to know. Looking to John Dewey's Depression-era writing as a guide, I introduce the concept of economic literacy and describe how t
ement; personal autonomy; retirement; standards; very elderly; Aged; Aged, 80 and over; Aging; Budgets; Europe; Female; Financial Mana
k discusses the empowering low income and economically vulnerable consumers, and provides a statement from a hearing on financial lite
teracy; Financial service; Households; Finance
r, the independence and financial literacy
g the distress. The authors address the concepts of financial literacy and financial problems, and suggest a training curriculum to guide the
esults indicated that JA BizTown curriculum can dramatically increase the students' knowledge in Finance and Economics when comparing
English
participate in their employers' supplemental retirement savings programs, even though these programs offer substantial tax advantages a
entified as a key driver to improve the stability of the financial system which would be a positive factor for economic growth. During the la
; Female; Financing, Personal; Forecasting; Health Status; Humans; Income; Male; Michigan; Middle Aged; Personal Satisfaction; Retireme
English
management; human; male; Peru; poverty;

al downsizing; organizational efficiency; outcome assessment; Pakistan; public-private partnership; social aspect; young adult
tuations. Participants acknowledged that more important than gaining knowledge was learning how to apply what they have learned. Imp
J. Econ. Issues
ed questionnaire; training; victim
ms and services. Next, we report the results of a survey of the financial literacy programs and services offered by a sample of public libraries
nd well-being for most are positive, those with financial pressures face some negative outcomes. Increasing financial literacy and teaching
J. Finan. Serv. Mark.
ficit; fluid intelligence; groups by age
activity; randomized controlled trial; risk reduction; Adult; Alcohol Drinking; Diabetes Mellitus; Diet; Female; Health Behavior; Health Educa
racy; health literacy; human; major cl
English
mic fortune of a household were also associated with high-cost borrowing behaviors. This study's findings have important policy implicati
multiple-choice questionnaire constructed especially for this study, designed as a pre-test before starting a course on financial education.
itous computing; Teaching

English
ial work student respondents scored more
English
ge gaps in FL between Jews and Arabs.
; Investments; Consumer behavior; consumption behavior; cost-benefit analysis; energy conservation; energy efficiency; energy market; h
they causally relate to subsequent financial well-being. Taking advantage of longitudinal data from the Health and Retirement Study we ex
English
Appl. Financ. Econ.
rural women of four states-Maharashtra, Tamil Nadu, Jharkhand and Bihar-drawn from the National Family Health Survey-2 conducted in
out adequacy of parents' resources, difficulty communicating about finances, finding/organizing parents' records, accessing parents' accou
ctors that influence transfer and nontransfer students' financial literacy on academic outcome by employing hierarchical multiple regressi
ever, the informal sector is heterogeneous which makes it difficult to quantify its profile, and due to the nature of its existence, informal se
; Longitudinal Studies; Male; Religion; Retirement; United States

g methods to capture participant attention. Multi-generational complications may arise as people view and communicate about money d
nd that financial literacy is poor overall in all three countries, but is substantially worse in New Zealand and the USA than in Japan. The per
nd currently serves as co-chair of my president's program planning committee. Adi will be the featured speaker at a forum on financial lite
contribution plans, in which the responsibility has shifted to employees. If employees do not have the requisite knowledge, they will not b
d financial education. Gender equality in economic and financial terms is at the core of an OECD horizontal project that culminated with t
n’s CEO and other senior executives, finally caught the attention of corporate executives. Laws and Regulations in Global Financial Markets
alth, and those who have spoken to a professional financial planner. The expected primary source of retirement income is also associated
ons; Implementation projects; Information communication; Installation activities; Research propositions; Technology
y standards. The example of water is used to illustrate the connection between sustainability and financial literacy, and implications for cu
women experience economic participation, decisions and outcomes in the same ways. This article explores how attention to gender justic
ney management for citizens and consumers and charges that many of the dominant financial literacy education initiatives support civic ir
Mathematical programming; Students

st; priority journal; scoring system; sex; Aged; Aged, 80 and over; Aging; Cohort Studies; Decision Making; Economics; Female; Health Liter
ealth, we find that misconceptions about eligibility ages and plan generosity influence workers' expected age of retirement. Although reti
; short selling; systemic risk
y (IRT), we analyze items from three national surveys, resulting in a psychometrically sound 20-item financial knowledge scale. By using IRT
outh Korea; Achievement; Adolescent; Attitude; Economics; Educational Status; Female; Financing, Personal; Humans; Male; Republic of Ko
English
n. As baby boomers continue to retire and the elder population grows, it is important to find ways to address financial decision-making lat
by investigating the nature and extent of financial literacy in South Africa. Given that the literature acknowledges that financial illiteracy is
ce; statistics; United States; Activities of Daily Living; Age Factors; Aged; Aged, 80 and over; Chicago; Cross-Sectional Studies; Financing, Pe
how literacy is produced. We find that financial decision making of couples is not centralized in one spouse although it is sensitive to the re
ysis; partner violence; psychological aspect; survivor; United States; Adolescent; Adult; Aged; Battered Women; Educational Status; Femal
as lifelong financial education will not be sufficient to solve the financial problems people are confronted with. It might thus be more effec
utions; they require collective responses by engaged, critical citizens. Utilizing concepts from Marx, Foucault, Bourdieu and Baudrillard thi
ncome; Iraq War, 2003 -; Social Adjustment; Stress Disorders, Post-Traumatic
partnerships; Quantitative and qualitative assessments; Research experiences for undergraduates; Self-determination theories; Product d
ving and the requirement to assume full responsibility for decisions about retirement savings that involve market risks. The spread of thes
unts only for those with limited education or financial literacy. In contrast, small subsidies greatly increase demand. A follow-up survey con
l rehabilitation; Activities of Daily Living; Budgets; Humans; Mental Disorders; Mental Health; Mental Health Services; Mentally Ill Persons;
English
measures of central tendency derived from density forecasts are strongly correlated with point forecasts. Furthermore, expressed uncerta
t planning familiarity, motivation, and preparedness improved after taking a semester-long course in Personal Risk Management and Insur
duce the need for advice. Instead of dealing with the whole line of argument presented in the paper, this comment will focus on three asp
e evaluation, participants gained at least a basic knowledge of the concept of living within their means. The goal of the program is to incre
nd that inadequate personal finance literacy and mathematics standards exist. In addition, they discuss that elementary and middle schoo
m for high school students. This paper represents a two year outcome assessment of a community outreach program that targeted first-ge
he students in the various schools. © 2010 DreamCatchers Group, LLC.
d on a par with US high school students without a separate personal finance class and both were outscored by Belarusian college students
eaning and measurement of financial literacy is presented to highlight current limitations and assist researchers in establishing standardize
merican Council on Consumer Interests.
adults and K-12 are described. The community is seen as the locus for increasing the availability of financial education for both adults and c
ncome and wealth. Empirical results indicated that wealth has a positive but small effect on the degree of financial knowledge. Copyright 2
adults and K-12 are described. The community is
Int. Inf. Libr. Rev.

le whose parents had stocks and retirement savings was about 45 percentage points more likely to know about risk diversification than a f
es. This study dissects the differing financial literacy definitions and measures, urging researchers toward common ground. A clearer defin
and financial literacy. Specifically, higher inflation expectations were reported by individuals who focused more on how to cover their futu
debt. Those who do so poorly are especially vulnerable to hardship during financial downturns such as the one we are currently facing. Co
ees are not minimized. Instead, subjects place high weight on annualized returns since inception. Fees paid decrease with financial literacy
g the need to consider behavioural biases in
English
k explores The Financial Literacy Strategy which aims to help consumers understand how to prevent becoming involved in transactions th
o accumulate assets, continue saving, and establish investment accounts, compared to those leaving the program prematurely. The influen
English
y' practices, this paper explores the relationship between financial cost and mobile technology use. Whilst this use is understood within th
mic Literacy (TEL). Using a pretest-post-test design, we find that initial knowledge of economics is not strong among the students. After on
English
ations, captures the concepts behind loans and interest in a step-by-step manner, and details how these steps can be implemented for pra
dicated to hip hop music and culture. In this analysis the author claims that the discourse strategies and participant roles present in this dis
oup's sustainability strategy, a brief history of microfinance in India, and HSBC in India's role in serving the microfinance industry. They also
with education and proxies for financial experience, but is lower for self-employed and immigrant households. It is of course difficult to un
c to the way the capitalist economic system works. Thus, rather than providing financial literacy, imposing a tax on financial transactions, o
nd management; pharmacy student; psychological aspect; Curriculum; Decision Making; Education, Pharmacy; Educational Measurement;
he impact of gender, class attendance and homework policies on course performance and classroom cheating. Also recognizing interest in
ure on accounting in its social and institutional context has analyzed how accounting practices affect the ways in which organizations, and
wer to financial questions posed to them, implicitly not recognizing the difference between one being aware he is lacking in knowledge and
ies with greater financial resources tend to be substantially more financially literate than those from families that are less well-off, thereb
ting some of the key challenges. Jacobs's (Evaluating family programs, pp. 37-68, 1988) five-tier approach to program evaluation is describ
puter systems; Finance; Image classification; Image retrieval; Learning systems; Magnetic properties; Magnetic susceptibility; Neural netwo
closure model of regulation. This education is widely believed to turn consumers into "responsible" and "empowered" market players, mo
for money, and increase their ability to cope in

Gender Dev.
work implies that implementation issues likely compromised the effectiveness of the program. There was evidence of a potential link betw
ty Is the ability to meet day-to-day expenses while saving and investing for tomorrow (e.g., emergencies and retirement). Financial Securit
between this kind of activity in schools and the future health of the economy and the prosperity of the nation. The shifting nature of this p
more than 300 lower-wage service workers revealed that significant predictors of retirement savings behavior included greater financial lit
o influence behavior and financial preparedness. Participants made greater use of banks and less use of loan and check cashing services, in
ut that each embeds in its policy an implicit normative ordering of responsible consumer behavior. The paper relates the tension between
ddition, with the low levels of financial capability identified by the survey, it is likely that mis-selling of financial products will continue in th
English
ng in the United States-the United Kingdom, the EU, the OECD, and Japan all have substantial initiatives targeted toward financial educati
ts; Personnel; Finance
ments; Tools; Spreadsheets
n whether the courses was taken in a traditional face-to-face format or online. However, in the critically important subjects dealt with in t
es toward credit-card use were related to debt. Sensation seeking, materialism, the Student Attitude Toward Debt scale, gender, and grade
Insurance, Disability; Internet; Nurses; Planning Techniques; Retirement; Risk Management
g; Humans; Learning; Schools; Teaching; United States

chiatric treatment; review; social support; unemployment
asting; Humans; Industry; Learning; Students; Technology; Texas; United States; Virginia; Workplace
nd professional certification (like a CPA). We use a logit model to test whether the likelihood of an earnings restatement is related to the a
Female; Financial Management; Health Knowledge, Attitudes, Practice; Humans; Male; Middle Aged; New York; Program Evaluation; Questi
ole of such social or moral influences has not been examined within the context of children as consumers. With the use of this research fo
conomics course should target economic literacy, provide suggestions as to which topics should be dropped from the literacy-targeted cou
hlights the economic, demographic and policy changes that make financial education increasingly important, and describes the different ty
um; Disabled Children; Disabled Persons; Educational Status; Federal Government; Financial Management; Financing, Government; Gover
in size and scope. This article provides an overview of the wide range of programs aimed at improving Americans' financial literacy as wel
considerable literacy in financial matters and confidence in their future financial situation are also more likely to be satisfied with and supp
financially literate enough to make wise decisions with regard to participating in and contributing to a pension plan. A related concern is
ard; Humans; Professional Competence; Social Responsibility; Trustees; United States
perienced in presenting evidence. These include the unfamiliarity of judges and barristers with commercial principles; the intimidatory env
aningful cross-population references. This requirement could be successfully achieved by including a substantial number of (anchor) items
eral initiatives—mainly of not-for-profit organisations—to improve the financial knowledge of consumers. These are mainly concentrated
iated with higher students' scores. However, students in states that required specific financial education course work scored significantly h
hem to make sense of the inter-relationships between wages, social security and local authority benefit entitlements and the associated s
ude ethnic background, academic ability, performance in high school, parents' education, per capita personal income in a student's county
er explores the essential nature of Praxis in making the content or practice link-so critical for successful implementation of economics in K
n collaboration with the NatWest Financial Literacy Centre at the University of Warwick and the Institute of Learning and Research Techno
t were currency exchange, competition, and types of economic systems. The 3 subjects the students understood least were market failure
nnel is estimated. Strong evidence that an investor’s level of financial literacy and choice of distribution channel are jointly determined is f
Group, LLC.
m and functions rather than their varied and voluminous content. It explores their significance in two respects: first, as vehicles for the ban
ny's training department. This paper will argue that financial literacy is so important to organizations that financial management education
for students who scored over 30 on the TEL, whether the student does more than two hours of homework a night. © 1991 Atlantic Econo
Funding Details
andoned the model altogether in favor of capability or similar constructs. Using Bloom's domains of knowledge, we redefine financial litera
linked to data on socio-demographic characteristics like gender, age, education, occupation, family income, marital status. Does financial
ge Index (FKI), and Financial Behavior Index (FBI)—because they show a dynamic of their own in each region. Our findings confirm that the
Teagasc
Ministerstwo Nauki i Szkolnictwa WyÅ¼szego, MNiSW: 0057/DLG/2016/10

dle aged; nurse administrator; professional competence; psychometry; questionnaire; reproducibility; Adult; Female; Financial Manageme
Schweizerischer Nationalfonds zur FÃ¶rderung der Wissenschaftlichen Forschung, SNSF
neurship as “the value that is created, financial, cultural, or social”. The importance of entrepreneurship as a key facet of life has reinvent
onship between expense ratios (price) and service quality. In the second study, in the presence of an anchor, the reference price obtained
au. Across three studies of US individuals, we assess the nomological validity of this measure of financial vulnerability through its relationsh
Deutsche Forschungsgemeinschaft, DFG
19YJA790067
Article
National Cancer Institute, NCI
Contemp. Clin. Trials Comm.
Universitas Negeri Yogyakarta, YSU

104612
er the implementation Pradhan Mantri Jan Dhan Yojana in August 2014, much improvement has happened in opening of bank deposit acc
National Endowment for Financial Education, NEFE
McMaster University
f potential investors can be reduced if the same networks are used to foster financial literacy. © 2019 Economic a
Ministry of Education – Kingdom of Saudi Arabi, MOE
Humanit. Soc. Sci. Rev.
national samples of financial capability skills in the United States. I then replicate a sample of three accounting
ed the probability of willingness to save by 4 percentage points. Nonetheless, whereas the program appears ef
acy by 16%, and health literacy by 12%. Our results are robust to alternative measures of financial literacy. They are also robust to an instr
11130614
evidence is necessary to determine how small-dollar credit consumers make decisions when purchasing loans. One critical decision consum
AFS. I find that financial education mandates significantly reduced the likelihood and frequency of payday borrowing in particular. Addition
sions: SFK mediates the effect of OFK on risk-taking, not on investment decision quality. While the interaction between OFK and FKNI does
National Institute of Mental Health, NIMH: R01MH116768
Monash University, MU
Young Consum.
World Bank Group, WBG
Hong Kong Arts Development Council, HKADC: 17407414
tirement; sex factor; statistical model; United Kingdom; Aged; Choice Behavior; Female; Humans; Information Literacy; Logistic Models; Ma
Walstad 2014, CEE 2013
Article
U.S. Department of Labor, DOL
mine what types of financial literacy support academic libraries are providing, who is participating, what prompted the initiatives, and what
U.S. Social Security Administration, SSA: RRC08098400-07
Econ. Inq.
Uniformed Services University of the Health Sciences, USUHS

alone persists, indicating a racial financial literacy and/or behavioral difference despite financial literacy education. Our findings have impl
background to account for concerns about the exclusion restriction. The results provide support for a positive effect of financial literacy on
Horizon 2020: 770464, 770464, 770464, 770464
National Natural Science Foundation of China, NSFC: 41601039
y to plan, perseverance, and scrupulosity), and financial literacy in developing a propensity to save and borro
opsychological Tests; Predictive Value of Tests; Problem Solving; Regression Analysis; Young Adult
National Institute on Aging, NIA
East. Econ. J.
113K767
Int. J. Bank Mark.
Bill and Melinda Gates Foundation, BMGF: OPP1133684
e life through access to education and health facility, a secure future and better standard of living. In India we see the barriers to inclusion
g perceptions about credit access risk are essential for predicting transitions among the two groups. Preferences and the composition of fi
ECO2017-83759-P
Appl. Econ.
Australian Research Council, ARC: LP0776784
dical education; money; online analysis; orthopedic surgeon; physician attitude; resident; retirement; retirement saving knowledge; self e
Ministerio de Economía y Competitividad, MEC: ECO2015-65820-P
Bill and Melinda Gates Foundation, BMGF
Log
University of Reading
National Natural Science Foundation of China, NSFC: 71802166
University of California
EDU2013-42480-R
English
National Institute on Aging, NIA: R01AG34374, R01AG33678, K01AG050823, R01AG17917
eir self-reports. We also confirmed some of the patterns found in former studies, including the gender gap a
1003875
Central University of Finance and Economics, CUFE: QJJ1604
Article
Patient-Centered Outcomes Research Institute, PCORI
Health Aff.
w microfinance empowers women in a holistic manner across the socio-cultural, psychological and political spheres of life. The author argu
Ministerstwo Nauki i Szkolnictwa WyÅ¼szego, MNiSW
embers in a household. © 2019 Economic and Political Weekly. All Rights Reserved.
s; Nongovernmental organizations; Undergraduate software engineering; Computer aided instruction
Fonds Wetenschappelijk Onderzoek, FWO: S000617N
Educ. Res. Rev.

University of Colorado Boulder
National Institutes of Health, NIH: UL1 TR002345
Plast. Reconstr. Surg., Glob. Open

tive goal. Further, there is ample potential supply from natural issuers. This innovation trivializes the investment problem to just simple m
3M
National Research Foundation of Korea, NRF: NRF-2017S1A6A3A02079749
2017ZR0191
Sustainability
National Institute on Drug Abuse, NIDA
National Institute on Aging, NIA: 2R01 AG030153
Ministerstvo školstva, vedy, výskumu a športu Slovenskej republiky: VEGA 1/0466/19
Eur. J. Financ.
Ministerio de Educación, Cultura y Deporte
Article
National Credit Union Administration, NCUA
Qual. Rep.
Universiti Sains Malaysia

17YJA790080
Lembaga Penelitian dan Pengabdian Kepada Masyarakat, LPPM

ECO2017-83759-P
Soc. Sci. J.
0057/DLG/2016/10
Pallas AthÃ©nÃ© Domus Scientiae AlapÃtvÃ¡ny, PADS

Families of Spinal Muscular Atrophy, FSMA
SGF 2018
0th percentile. In a model with combinations of high or low objective and subjective financial literacy, those who were overconfident had a
rch has addressed how community colleges can be proactive and help students avoid a financial crisis before it begins. This paper details h
United Nations Educational, Scientific and Cultural Organization
Int. J. Bus. Soc.
is is true not only in developing countries but also in countries with well-developed financial markets. Relativ
rity knowledge with detail by respondent age, education, and financial literacy level. Our findings indicate that younger workers with lowe
m to believe that price controls on prescription drugs will make consumers in the medical market better off. Steven Buckles, president of t
71422007, 71671107, 71673022
J. Financ. Couns. Plann.

S000617N
limited information about SMEs’ creditworthiness, and low financial literacy. The chapter then looks at the strategies and instruments tha
2016-2017
KÖFOP-2.1.2-VEKOP-15-2016-00001
National Institute on Aging, NIA: R01AG034374, R01AG017917, R01AG15819, R01AG042210, P30AG010161, R01AG033678
University of Maryland, UMD
European Commission, EC
Fusion Energy Sciences, FES
J. Vet. Med. Educ.

European Commission, EU
WMSCI - World Multi-Conf. Syst., Cybern. Informatics, Proc.
Stiftung Würth
Universiti Kebangsaan Malaysia
Article
Fonds Wetenschappelijk Onderzoek, FWO: S000617N
Citizsh. Soc. Econ. Educ.

Universiteit van Tilburg, UvT
Narodowe Centrum Nauki, NCN: 2014/12/S/HS6/00390
Prague Econ. Pap.
International Islamic University Malaysia, IIUM: RIGS15-059-0059
Asian Acad. Manage. J.
ypotheses: (a) people with higher levels of self-control save more than those with lower levels of self-control; (b) PFA has a positive effect
pplication; Questionnaire surveys; Taxation

European Commission, EC: 330462
Article
Belgorod National Research University, BelSU
Stud. Syst. Decis. Control
Center for Outcomes Research and Evaluation, Yale School of Medicine, CORE
Japan Science and Technology Corporation, JST
J. Risk Res.
227,822, 261,982, 211,909
English
University of British Columbia, UBC

Australian Research Council, ARC: DP110101027
on and management; retirement; Employment; Female; Goals; Humans; Income; Investments; Longitudinal Studies; Male; Middle Aged; Pl
Institute for Money, Technology and Financial Inclusion, IMTFI
English
Deutsche Forschungsgemeinschaft, DFG: CRC 190, RTG 1723
World Dev.
Ministry of Higher Education, Malaysia, MOHE: 13585
Indian J. Public Health Res. Dev.
Johns Hopkins Children's Center, JHCC
Australian Research Council, ARC: LP0011234
Government of Canada
Article
ng a typology of investors and their disclosure needs, this Article further argues that we may have significantly underestimated the extent

Российский Фонд Фундаментальных Исследований (РФФИ): 17-32-01100-OGN
RC15502
Ministry of Higher Education and Scientific Research
Universiti Malaya, UM: UM.E/SSRC/628/3/12

US-UK Fulbright Commission
Educ. Econ.
Japan Science and Technology Corporation, JST
Article
313421
Article
National Natural Science Foundation of China, NSFC: 71673007, 71403010
283754
Rev. Radic. Polit. Econ.
National Institute of Nursing Research, NINR
Public Health Nurs.
International Centre for Financial Regulation, ICFR: E220

chnologies has hastened the emergence of innovation in the field of finance. Topics like the Internet of Things, semantic computing and bi
Ministry of Electronics and Information technology, Meity
English
Australian Research Council, ARC: DP120103846, BROSTLCA13

Econ. Notes
Seventh Framework Programme, FP7: 609402, 263905
National Endowment for Financial Education

National Institute on Aging, NIA: R01AG34374, R01AG33678, R01AG17917, R21AG30765
nteraction; aged; financial statement; longitudinal study; middle aged; nurse; procedures; psychology; questionnaire; retirement; sex fact
Universiti Teknologi MARA, UiTM: 600-RMI/IRAGS 5/3 (55/2015)
n fact, they are particularly vulnerable in making poor financial decisions as many students do not undertake courses in financial education
Ministerio de Ciencia y TecnologÃa, MICYT: MOST-106-2410-H-230-002-

fit rural people but it is a challenge to all stakeholders today. One-hundred twenty-five people all over India were selected for a survey and
se more longevity insurance at higher ruin risks. Financially literate members were more likely to show understanding of the product featu
keting Techniques for Financial Inclusion and Development is a critical scholarly resource on the marketing techniques adopted by various
Ãsterreichische ForschungsfÃ¶rderungsgesellschaft, FFG
J. Behave. Exp. Econ.

s for financial inclusion in context of infrastructure and institutional credit, risk perception, illiteracy, compliances, financial awareness, pro
Furthermore, the collection of articles covers issues of communication, media, and women's studies. © Peter Lang GmbH. Internationale
which, regardless of their superiority, are all useful initiatives and can roll play as a spot light in the road of improvement for both investor
Fordham University
Through a metasynthesis, this practice briefly identifies that there is little to no empirical research conducted that explores how Latino ma
Deutsche Forschungsgemeinschaft, DFG: RTG 1723
Pac. Basin Financ. J.
AXA Research Fund
ES/J500112/1
Institute of Infection and Immunity
Lilly Endowment
ucation-, technology-, and debt-driven differences in financial literacy. Much of the observed regional divergence persists even after we co
National Institute on Drug Abuse, NIDA: R01 DA036514
Ministry of Science and Technology, Taiwan, MOST: 105-2629-H-110-001
English
Seventh Framework Programme, FP7
Geoforum
Schweizerischer Nationalfonds zur FÃ¶rderung der Wissenschaftlichen Forschung, SNSF: 00014_165884, 100019_176016, PP0
Article
Covenant University
erage of a wide range of financial products and geographic regions makes for a unique and innovative perspective on this topic. It presents
c); review; self report; social determinants of health; speech; statistical significance; systematic review; adoles
y factors including gender, marital status, work status, level of education and number of financial dependents in a family. These statistical
Victoria University, VU
Department of Science and Technology, Government of Kerala
Article
Australian Research Council, ARC: DP140101031, DP140101031, DP140101031, DP140101031

H2020 Marie Skłodowska-Curie Actions, MSCA
Article
World Bank Group
Ministerstvo PrÃ¡ce a SociÃ¡lnÃch VÄcÃÄeskÃ© Republiky
Hrvatska Zaklada za Znanost, HRZZ

VedeckÃ¡ GrantovÃ¡ AgentÃºra MÅ VVaÅ SR a SAV, VEGA: 1/0849/15
National Institute on Aging, NIA: K01AG050823, R01AG17917, R01AG033678
Silicon Valley Community Foundation, SVCF
Ministry of Education and Science of the Russian Federation, Minobrnauka
y education; retirement; suicidal ideation; United States; education; financial management; medical education; procedures; radiology; Edu
rriculum. Methods: A qualitative approach using semistructured interviews was used to explore the knowledge, attitudes, and experiences
Interface
Wharton School, University of Pennsylvania
J. Pension Econ. Financ.

FundaÃ§Ã£o para a CiÃªncia e a Tecnologia, FCT
Heart Rhythm Society
Deutsche Forschungsgemeinschaft, DFG: SCHN553/1-1
Proc. Int. Astron. Union

nt, the survey evidence suggests caution in taking this portrayal too far. Net worth appears to be more important than income in determin
University of California, Los Angeles, UCLA
e environment from a variety of perspectives'. In examining the balance between people and their immediate environment, the several co
Universiteit Gent: 01J01513
Vector error correction model; Investments
Dalhousie University: 2012/1-2013/3
Nuffield Foundation
Article
Rockefeller Foundation: GR-01315
Article
natal care; preschool child; side effect; socioeconomics; statistical analysis; tertiary health care; urban area
primarily for informal sector workers. The MUDRA (Micro Units Development Refinance Agency) is intended to facilitate provision of credit
mmunity; Electronic money
China Postdoctoral Science Foundation: 2015M570066, 2016T90073
English
or the training of 81 teens, who then taught 530 youths statewide. The curriculum addressed researchbased financial concepts through ac
nt counseling; priority journal; problematic internet shopping; questionnaire; risk factor
NRF-2013S1A5A2A0304 4 461
Emerg. Mark. Financ. Trade
Ministerio de EducaciÃ³n, Gobierno de Chile, MINEDUC
Child. Youth Serv. Rev.

students is examined. Research has led to the following conclusions: (a) the school success of students is dependent on the teacher's expe
Radcliffe Institute for Advanced Study, Harvard University
Article
National University of Singapore, NUS: R-109-000-127-133
Universiteit van Tilburg, UvT
J. Financ. Serv. Res.

St. Michaelâs Hospital Foundation
BMJ Open
c evaluation; shifting economic paradigms; the World Bank Group's response to the global economic crisis; challenges in evaluating financi
-being and higher financial stress were more likely to doubt their ability to complete college. Results for the restricted sample of working s
Hrvatska Zaklada za Znanost, HRZZ
English
Universiti Malaya
Article
U.S. Social Security Administration, SSA
Q. J. Finance

n; investment; major clinical study; marketing; model; practice guideline; quantitative study; questionnaire; sof
Swiss Re
Article
Economic Research Service, ERS
English
ure, bankruptcies that will force themselves into financial ruin (Bradford, 2011). As a result of the financial housing crisis, 6.9 million home
Harvard Business School
Article
Seventh Framework Programme, FP7
J. Econ. Behav. Organ.

iteracy; health service; patient participation; utilization; Decision Making; Financing, Personal; Health Literacy; Health Services; Humans; In
Department of Family and Community Medicine, University of Toronto, DFCM
BMJ Open
266800
New Polit. Econ.

Article
APIE 2/2015-17
Article
Commonwealth Foundation
Review
ation of future teachers at the Faculty of Education at the University of South Bohemia. In addition to the usual computer means of financi
National Science Foundation, NSF: SES-1155924, -1558230
nancial education project in the UK, the book exposes serious, and often ignored, limitations to using information and education as tools fo
Specialized Research Fund for the Doctoral Program of Higher Education of China, SRFDP: 20120002110085
English
gle women—also know little about concepts relevant for day-to-day financial decisions. The gender differences are present for very basic
els of financial literacy. Specifically, face-to-face interaction is negatively related to default for minorities, borrowers located in areas with
d had since grown exponentially. It served more than 64 million end customers all across India adding average of one million new custome
n, Medical; Fellowships and Scholarships; Financial Management; Financing, Personal; Humans; Internet; Internship and Residency; Survey
major clinical study; marriage; mental capacity; mentor; nonhuman; nutrition education; quantitative study; randomization; randomized c
Economic and Social Research Council, ESRC: ES/K002201/1

Ministry of Science and Technology, Taiwan, MOST
English
Universiti Teknologi MARA, UiTM
Article
lth literacy; income; procedures; psychology; quality of life; trends; Adult; Aged; Choice Behavior; Decision Making; Delivery of Health Care
Thailand Research Fund, TRF: PHD/0304/2552
knowledge; law; medical research; policy; Review; treatment outcome; adolescent; human development; independent living; legislation a
Illinois Department of Public Health, IDPH
27263546
st of Illness; Employment; Female; Humans; Interviews as Topic; Male; Middle Aged; Patient Education as Topic; Surveys and Questionnair
European Regional Development Fund, FEDER

nxiety. We define adviser anxiety as (an existing or prospective clients') concerns involving the prospect of meeting with a financial advise
stions highlighting areas where little is known and where much opportunity lies to inform policy and improve consumer well-being. Copyr
1001/PSOSIAL/816213
Australian Seafood Cooperative Research Centre: 2013-748.20
nd financial literacy through dramatic retelling, using graphic organizers, a learning center, writing and drawing activities, and classroom c
Eunice Kennedy Shriver National Institute of Child Health and Human Development, NICHD
Facultad de Ciencias Físicas y Matemáticas, FCFM
Ministry of Higher Education, Malaysia, MOHE
Pertanika J. Soc. Sci. Humanit.
Vedecká Grantová Agentúra MŠVVaŠ SR a SAV: 1/0726/14

European Commission
World Bank Group
ning needs and interests in this interdisciplinary field. This article reports research exploring practising teachers' perceptions of the opport
fication economic lens as an alternative to the conventional wisdom to better understand why the racial wealth gap persists © 2017, Feder
odel (SEM), our results illustrate that the effect of family background on financial literacy is only partially mediated by the latent constructs
al, is not sufficient to ensure a financially healthy life. Rather, such a healthy financial life could be achieved with a combination of financia
F1/31/2015
mportantly, financially savvy employees are also most likely to participate in their DC plan. Sophisticated workers contribute three percen
iteracy outreach, and efficient modes of product delivery. Positioning itself as both technologically savvy and customer-friendly, Industrial
Fondo Nacional de Desarrollo CientÃfico y TecnolÃ³gico, FONDECYT: 11130614

and Public Libraries." In 2014 she was part of the team that wrote Financial Literacy Guidelines for the American Library Association. She
RP015D-13SBS
J. Islam. Mark.
National Institute on Drug Abuse, NIDA: K01 DA038529
Article
y resources compare and contrast, and address how overlap, and the surprising degree of separation between these mediums, will impac
Universiti Teknologi MARA, UiTM
Article
or. We define this expectation as the “moneyness hypothesis.” The statistical analysis confirms our moneyness hypothesis: the value of th
to have a negligible role in determining debt attitudes, while the role of financial literacy was limited to reducing the likelihood of seeing d
male; Financing, Personal; Housing; Humans; Interviews as Topic; Male; Middle Aged; Negotiating; Ownership; Social Work; Socioeconom
h Care; Humans; Psychology; United States
ucation, by and large, decrease reliance on nonstudent debt and improve repayment behavior. Economics training, on the other hand, incr
ross campus and they were used in an adult ESL curriculum. In a History of Mathematics course, students developed a lecture series at a l
Economic and Social Research Council, ESRC: ES/J009067/1

r the public good of the students and the future economy. The Community College of Baltimore County (CCBC) recognized that the institu
ederal student loans. Mohave Community College (MCC) had the sixth highest CDR for two-year public institutions for the FY2009 cohort a
nomic and psychological factors. The results suggest a possible link between financial problems of people and exposition to long-term stre
e; financial management; health status; male; middle aged; patient participation; psychology; young adult; Adolescent; Adult; Aged; Decis
National Institute of Nursing Research, NINR
Contemp. Clin. Trials
stments; Male; Psychometrics; Reproducibility of Results; Students; Surveys and Questionnaires; Universities; Young Adult

ncertainty; Cost benefit analysis; cost-benefit analysis; information management; knowledge; literacy; regulatory framework; risk percepti
International Permafrost Association, IPA
Global Environ. Change

National Institutes of Health, NIH: K23AG040625
middle aged; socioeconomics; statistics and numerical data; Aged; Awareness; Costs and Cost Analysis; Decision Making; Female; Humans
States; Adult; Aged; Chronic Disease; Costs and Cost Analysis; Female; Humans; Insurance Coverage; Insurance, Health; Logistic Models; M
ducation in financial literacy. In doing so, it provides precise definitions of the construct of financial literacy and elaborates on the state an
Conselho Nacional de Desenvolvimento CientÃfico e TecnolÃ³gico, CNPq
Manage. Res. Rev.
Universiti Kebangsaan Malaysia

J. Manage. Gov.
complex financial decisions to plan for their retirement and for a range of foreseen and unforeseen expenditures. All of these developmen
s what you can do to improve financial literacy awareness and education. It covers the use of interactive games and tutorials, peer-to-pee
a significant positive correlation between financial literacy and behavior. Furthermore, there was no significant difference among Christia
ings as information" when making retirement decisions. Study 3 utilizes qualitative data to consider the connection between millennial fin
ross five financial topics: credit cards, investments, loans, insurance, and financial advice. For each topic, we include 4-5 financial behavior
Similar developments are evident in Australia, where regulators, industry associations, individual businesses (especially financial institution
that financial literacy is associated with higher levels of victimisation (NASD, 2006; American Association of Retired Persons (AARP), 2007,
niversities; Finance
ut with higher than average financial literacy scores, were less likely to have sufficient precautionary savings.
tiple regression model; Technical universities; Surveys
nancial literacy as it relates to financial planning for retirement ("retirement literacy"). It surveys and documents two aspects of financial li
nowledge and adequate skills to evaluate their savings and investment options, which, in turn, enable them to understand the implication
nd irrational factors. Later contributions show how credit card companies benefit from limitations in consumer financial literacy, how gend
otion; Financial competence; Financial inclusions; Financial literacy; Future trends; Methodology; Mobile products; Service design; Produc
cies for credit cards and home mortgages have systematically grown. Interestingly, these trends have been witnessed at a time when new
nment regulation; Household decisions; Neuroeconomics; Trading biases; Decision making; brain; controlled clinical trial; controlled study
d one of them. The study examined whether the tendency to choose a particular plan is related to the insurance agent’s recommendation,
onal literacy programmes (Lusardi, 2008; Cole etal, 2012; Taylor et al, 2012) to empower consumers (Brennan and Coppack, 2008) as area
of financial literacy in retirement investment decisionmaking in a group of nonexpert participants. Our results suggest that individual emp
Ministry of Education
Lect. Econ.
a total volume (payment and cash volume) in the Visa credit program of nearly US$700 billion, with a growth rate of 10.2 per cent (consta
e basic concepts of economics, financial justice, and social action. For higher grade levels, the book offers ideas to integrate economics into
LEQSF(2014-15)-ENH-TR-27
aired; Human computer interaction
ket modes of valuation. In the wake of the nonrenewal of the US Bank's charter in 1832 and the Panic of 1837, the American paper money
National Institute of Mental Health, NIMH: 1R34MH094215

Deutsche Forschungsgemeinschaft, DFG: RTG 1723
J. Econ. Psychol.
Article
Illinois Department of Public Health, IDPH
J. Aging Health
he various literatures available in regard to mutual funds to evaluate the performance of various mutual fund schemes and to study the inv
national Student Assessment (PISA). I am honored to chair the financial literacy expert group that designed the financial literacy assessmen
dentify key drivers. Using an experimental design, we find the increased salience resulting from modifying the presentation format improv
customers mostly follow the agent's recommendation, even against their best interest, and despite the presence of a fair disclosure state
nal perspective as an audit committee member and as a director of both profit and nonprofit entities, this book should be required readin
s a conceptual system (mindmap). Participants reported that the three themes that exerted the most influence in the system were beliefs
al; Cross-Sectional Studies; Female; Financial Management; Humans; Male; Pakistan; Sex Factors; Students, Medical; Surveys and Questio
el of financial literacy of Russian citizens are compared to their activity on the stock market. © 2015, Pleiades Publishing, Ltd.
d contributing citizens. While there is an increasing focus on numeracy internationally, there is not yet a widely accepted definition for thi
ersonal wellness with self-security based on principles of trust, the authors posit that personal fulfillment occurs independently of accumu
; Investments; Physicians
VINNOVA
Conselho Nacional de Desenvolvimento CientÃfico e TecnolÃ³gico, CNPq: 552132/2011-0
J. Behav. Exp. Financ.

U.S. Department of Agriculture, USDA
acy, it solves only one facet of improving savings behavior. Thus, privatesector financial planning firms need to implement customer protot
National Research Foundation of Korea, NRF: NRF-2013S1A5A8020981
matic analysis; widowed person; adaptive behavior; economics; psychological interview; psychology; social adaptation; statistics and nume
HKIEd 7001-SPPR-11
cted through multi stage sampling technique. Data were collected through self-administered questionnaires. Financial literacy, domains in
tively to shifting personal and economic circumstances. Evidence suggests that financial and consumer behaviors and decisions often have

American Laryngological Association
Article
th an instrument used to assess financial literacy and their trust in financial markets. Controlling for investing experience, age, gender, and
Victoria University, VU
Citi Foundation
American Laryngological Association
Israeli Centers for Research Excellence, I-CORE
J. Soc. Serv. Res.
ate contacts for advice achieve reasonable investment outcomes. Compared to these groups, households with below-median financial lite
e results from both a positive and normative standpoint, by highlighting the determinants of individuals' choice, with special focus on infor
Economic and Social Research Council, ESRC: ES/H021221/1

Leverhulme Trust
Article
consumers. Guidelines are provided for the design of such proactive financial literacy programs, which take into account the role of paren
up, also worked on identical stock market portfolio assignments that their teachers required independently of our curriculum. In a test of
y; Ethnic Groups; Female; Financial Management; Humans; Male; Perception; Questionnaires; Schools, Veterinary; Students; United States
tics; Opportunity costs; Techniques of analysis; Cost benefit analysis
ders, and parents. What is less clear, however, is who should do what to ensure that America becomes more financially literate. © 2008 T
Ministry of Higher Education, Malaysia, MOHE
Misreporting was most frequent in areas with low financial literacy or social capital. Incorporating behavioral cues such as threshold effect
behavior cannot be rationalized tend to have lower education and lower numeracy and financial literacy. These findings help confirm the
nt; Child Welfare; Consumer Behavior; Female; Financing, Personal; Focus Groups; Foster Home Care; Humans; Independent Living; Male;
tment options. An outcome of this review was the MySuper initiative, which imposes obligations on fund providers to reconfigure their de
atrics; Humans; Models, Educational; Problem-Based Learning; Retirement; United States
from the property and use slowmoving court procedures to forestall a primary lienholder's foreclosure, thus increasing the time rent can
from the property and use slow-moving court procedures to forestall a primary lienholder's foreclosure, thus increasing the time rent can

nvestment biases, and related issues. A vast literature concerning investor financial literacy and education exists, which the author discuss
; Internship and Residency; Professional Role; Radiation Oncology

; Male; Middle Aged; Models, Economic; Monte Carlo Method; Pensions; Retirement; Salaries and Fringe Benefits; Time Factors
closures is provided by classifying public company reports into four main categories which are financial reports, annual reports, securities
U.S. Social Security Administration, SSA
J. Public Econ.
merical data; trust; workplace; Adolescent; Adult; Attitude; Canada; Employment; Female; Focus Groups; Humans; Male; Middle Aged; Nor
micro-entrepreneurs with lower skills or poor initial financial practices, the impact of the rule-of-thumb training was significantly larger th
National Science Foundation, NSF: EEC-0954034

U.S. Department of Health and Human Services, HHS
he various literatures available in regard to mutual funds to evaluate the performance of various mutual fund schemes and to study the inv
Ministry of Foreign Affairs and Trade, New Zealand
found that investors do not understand basic concepts such as diversification, investment costs, inflation, and compound interest, and tha
t holdings, and a 33% increase in liquid asset holdings. A one-standard-deviation increase in financial literacy is correlated with a 60% incre
Allstate Foundation
Article
er conceptual view of the financial system, so as to become a tool to raise critical consciousness and equip people to respond to the challe
e; Students; Turkey; Universities; Young Adult
CEE 2013
Illinois Department of Public Health
Article
Sookmyung Women's University: 1-1303-0082
e determinants of the level of economic literacy. Besides, we investigate the level of economic literacy of adults and interest on the matter
heir wealth.
g as a proxy for the level of financial knowledge of one's social network. Although social effects are not the only possible explanation for th
TIAA-CREF Institute
lectronic education; Financial literacy; Life long learning; Secondary sources; Teaching
wey's Depression-era writing as a guide, I introduce the concept of economic literacy and describe how teachers and students can develo
Australian Research Council, ARC: — LP0991752
Australian Research Council, ARC: ARC DP120101473
ment; standards; very elderly; Aged; Aged, 80 and over; Aging; Budgets; Europe; Female; Financial Management; Humans; Income; Italy; M
ncome and economically vulnerable consumers, and provides a statement from a hearing on financial literacy. © 2014 by Nova Science Pu
olds; Finance
National Research Foundation of Korea, NRF: NRF-2011-330-B00046
ss the concepts of financial literacy and financial problems, and suggest a training curriculum to guide therapists in decisions about treatin
curriculum can dramatically increase the students' knowledge in Finance and Economics when comparing the BizTown group and the cont
Conselho Nacional de Desenvolvimento CientÃfico e TecnolÃ³gico, CNPq: 06/2011
pplemental retirement savings programs, even though these programs offer substantial tax advantages and immediate returns due to ma
e the stability of the financial system which would be a positive factor for economic growth. During the last years many public and private
recasting; Health Status; Humans; Income; Male; Michigan; Middle Aged; Personal Satisfaction; Retirement; So
National Science Foundation, NSF

Early Child. Res. Q.
Ford Foundation: 1060-0161
National Institute of General Medical Sciences, NIGMS: R25 GM56847

ciency; outcome assessment; Pakistan; public-private partnership; social aspect; young adult
ged that more important than gaining knowledge was learning how to apply what they have learned. Implications for Extension are offere
Inha University, Inha
Article
Ford Foundation
English
Stanford University, SU
he results of a survey of the financial literacy programs and services offered by a sample of public libraries, including the priority audiences
ve, those with financial pressures face some negative outcomes. Increasing financial literacy and teaching basic budgeting to a targeted se
Commonwealth Foundation
Article
Article
National Institute on Aging, NIA: 5R01AG027934
al; risk reduction; Adult; Alcohol Drinking; Diabetes Mellitus; Diet; Female; Health Behavior; Health Education; Health Promotion; Humans
National Institute on Aging, NIA: R01AG17917
Psychol. Aging
also associated with high-cost borrowing behaviors. This study's findings have important policy implications for improving individual finan
nstructed especially for this study, designed as a pre-test before starting a course on financial education. The analysis included an ANOVA t
227822, 211909
English
Canadian Mennonite University, CMU

J. Pover.
University of Maryland
J. Soc. Work Educ.
or; consumption behavior; cost-benefit analysis; energy conservation; energy efficiency; energy market; household expenditure; residentia
t financial well-being. Taking advantage of longitudinal data from the Health and Retirement Study we examine whether some of the que
World Bank Group, WBG
J. Dev. Eff.
Hogg Foundation for Mental Health
UniCredit and Universities Foundation
Article
rashtra, Tamil Nadu, Jharkhand and Bihar-drawn from the National Family Health Survey-2 conducted in 1998-99 and a follow-up study fo
es, difficulty communicating about finances, finding/organizing parents' records, accessing parents' accounts, and selecting/financing long-
nontransfer students' financial literacy on academic outcome by employing hierarchical multiple regression ana
ogeneous which makes it difficult to quantify its profile, and due to the nature of its existence, informal sector entrepreneurs are often cha
gion; Retirement; United States

attention. Multi-generational complications may arise as people view and communicate about money differently. The financial literacy gr
verall in all three countries, but is substantially worse in New Zealand and the USA than in Japan. The performance is similar across theme
Allstate Foundation
Regione Piemonte
my president's program planning committee. Adi will be the featured speaker at a forum on financial literacy at the 2014 ALA Midwinter M
esponsibility has shifted to employees. If employees do not have the requisite knowledge, they will not be prepared to make informed dec
uality in economic and financial terms is at the core of an OECD horizontal project that culminated with the approval of the Recommendati
es, finally caught the attention of corporate executives. Laws and Regulations in Global Financial Markets presents students, researchers,
to a professional financial planner. The expected primary source of retirement income is also associated with planning status. Those expec
ormation communication; Installation activities; Research propositions; Technology
r is used to illustrate the connection between sustainability and financial literacy, and implications for current educators are discussed.
ticipation, decisions and outcomes in the same ways. This article explores how attention to gender justice is an important moral obligation
consumers and charges that many of the dominant financial literacy education initiatives support civic irresponsibility, inequality and dise
Ford Foundation
University of Texas at El Paso, UTEP
m; sex; Aged; Aged, 80 and over; Aging; Cohort Studies; Decision Making; Economics; Female; Health Literacy; Humans; Information Literac
ns about eligibility ages and plan generosity influence workers' expected age of retirement. Although retirement-related decisions will affe
ee national surveys, resulting in a psychometrically sound 20-item financial knowledge scale. By using IRT, the current analysis uses individ
cent; Attitude; Economics; Educational Status; Female; Financing, Personal; Humans; Male; Republic of Korea; Socialization; Socioeconomi
City, University of London, City
etire and the elder population grows, it is important to find ways to address financial decision-making later in life. Copyright © 2012 Amer
tent of financial literacy in South Africa. Given that the literature acknowledges that financial illiteracy is a problem faced across the entire
ties of Daily Living; Age Factors; Aged; Aged, 80 and over; Chicago; Cross-Sectional Studies; Financing, Personal; Health Behavior; Health Li
Economic and Social Research Council, ESRC: RES-061-25-0478

U.S. Department of Agriculture, USDA
that financial decision making of couples is not centralized in one spouse although it is sensitive to the relative education level of spouses
cal aspect; survivor; United States; Adolescent; Adult; Aged; Battered Women; Educational Status; Female; Humans; Income; Interpersona
not be sufficient to solve the financial problems people are confronted with. It might thus be more effective to take care of legal conditio
sponses by engaged, critical citizens. Utilizing concepts from Marx, Foucault, Bourdieu and Baudrillard this book challenges those who claim
Adjustment; Stress Disorders, Post-Traumatic
ualitative assessments; Research experiences for undergraduates; Self-determination theories; Product design
Aug-11
me full responsibility for decisions about retirement savings that involve market risks. The spread of these individualized pressures to inve
ducation or financial literacy. In contrast, small subsidies greatly increase demand. A follow-up survey confirms these findings, demonstrati
Living; Budgets; Humans; Mental Disorders; Mental Health; Mental Health Services; Mentally Ill Persons; Models, Psychological; Patient Ed
U.S. Department of the Treasury

Japan Society for the Promotion of Science, JSPS: 23730274
Economic and Social Research Council, ESRC: PTA-031-2004-00054
J. Regul. Econ.
Old Dominion University, ODU
CEE
ived from density forecasts are strongly correlated with point forecasts. Furthermore, expressed uncertainty is positively related to point
U.S. Department of Education, ED
and preparedness improved after taking a semester-long course in Personal Risk Management and Insurance (PRMI). We discovered that
of dealing with the whole line of argument presented in the paper, this comment will focus on three aspects: First, it will try to broaden t
at least a basic knowledge of the concept of living within their means. The goal of the program is to increase youth financial literacy. © by
nce literacy and mathematics standards exist. In addition, they discuss that elementary and middle schoolteachers generally lack understan
aper represents a two year outcome assessment of a community outreach program that targeted first-generation, lowincome, and minori
. © 2010 DreamCatchers Group, LLC.
udents without a separate personal finance class and both were outscored by Belarusian college students. Students across all three nation
Economic and Social Research Council, ESRC: ES/H021221/1
Ministry of Education, Culture, Sports, Science and Technology: http://www.e-stat.go.jp/SG1/estat/List.do?bid=000001024271
cial literacy is presented to highlight current limitations and assist researchers in establishing standardized, commonly accepted financial l
e community is seen as the locus for increasing the availability of financial education for both adults and children, and gaps in best practice
lts indicated that wealth has a positive but small effect on the degree of financial knowledge. Copyright 2010 by The American Council on
U.S. Department of Education: CEE
Article
retirement savings was about 45 percentage points more likely to know about risk diversification than a female with less than a high schoo
ng financial literacy definitions and measures, urging researchers toward common ground. A clearer definition should improve future resea
, higher inflation expectations were reported by individuals who focused more on how to cover their future expenses and on prices they p
especially vulnerable to hardship during financial downturns such as the one we are currently facing. Conversely, people with higher leve
ubjects place high weight on annualized returns since inception. Fees paid decrease with financial literacy. Interestingly, subjects who choo
Financial Services Authority, FSA
2002
Instr. Sci.
Strategy which aims to help consumers understand how to prevent becoming involved in transactions that are financially destructive, how
ing, and establish investment accounts, compared to those leaving the program prematurely. The influence of self-control and future orie
Irish Research Council for the Humanities and Social Sciences, IRCHSS
J. Socio-Econ.
he relationship between financial cost and mobile technology use. Whilst this use is understood within the general framework of literacy a
U.S. Department of Defense, DOD
-post-test design, we find that initial knowledge of economics is not strong among the students. After one semester of formal economics i
United States Agency for International Development, USAID
J. Educ. Policy
hind loans and interest in a step-by-step manner, and details how these steps can be implemented for practical purposes. Rather than sim
ure. In this analysis the author claims that the discourse strategies and participant roles present in this discussion are an example of the or
ef history of microfinance in India, and HSBC in India's role in serving the microfinance industry. They also discuss the bank's multi-stakeho
nancial experience, but is lower for self-employed and immigrant households. It is of course difficult to unambiguously establish that any b
mic system works. Thus, rather than providing financial literacy, imposing a tax on financial transactions, or improving disclosure of informa
nt; psychological aspect; Curriculum; Decision Making; Education, Pharmacy; Educational Measurement; Financial Management; Humans;
ance and homework policies on course performance and classroom cheating. Also recognizing interest in the use of literature, sports, and
institutional context has analyzed how accounting practices affect the ways in which organizations, and the various actors that populate t
o them, implicitly not recognizing the difference between one being aware he is lacking in knowledge and one incorrectly thinking that he
es tend to be substantially more financially literate than those from families that are less well-off, thereby exacerbating the inequality of e
Jacobs's (Evaluating family programs, pp. 37-68, 1988) five-tier approach to program evaluation is described and outlined to provide a gen
ssification; Image retrieval; Learning systems; Magnetic properties; Magnetic susceptibility; Neural networks; Vectors; Support vector mac
education is widely believed to turn consumers into "responsible" and "empowered" market players, motivated and competent to make fi
Population Council
Article
n issues likely compromised the effectiveness of the program. There was evidence of a potential link between information and communica
y expenses while saving and investing for tomorrow (e.g., emergencies and retirement). Financial Security for All (FSA) provides online fina
chools and the future health of the economy and the prosperity of the nation. The shifting nature of this perception, and the views of the g
e workers revealed that significant predictors of retirement savings behavior included greater financial literacy as well as greater job stabil
preparedness. Participants made greater use of banks and less use of loan and check cashing services, increased savings, and decreased d
an implicit normative ordering of responsible consumer behavior. The paper relates the tension between empowerment and responsibiliz
ncial capability identified by the survey, it is likely that mis-selling of financial products will continue in the UK. The authors conclude with

Bus. Econ.
d Kingdom, the EU, the OECD, and Japan all have substantial initiatives targeted toward financial education (see, for example, Organizatio
in a traditional face-to-face format or online. However, in the critically important subjects dealt with in the principles of economics, there
lated to debt. Sensation seeking, materialism, the Student Attitude Toward Debt scale, gender, and grade point average were not unique
urses; Planning Techniques; Retirement; Risk Management
aching; United States

support; unemployment
g; Students; Technology; Texas; United States; Virginia; Workplace
a CPA). We use a logit model to test whether the likelihood of an earnings restatement is related to the above metrics of financial literacy
ealth Knowledge, Attitudes, Practice; Humans; Male; Middle Aged; New York; Program Evaluation; Questionnaires
nces has not been examined within the context of children as consumers. With the use of this research foundation, the current research is
onomic literacy, provide suggestions as to which topics should be dropped from the literacy-targeted course, and explain how to use recla
c and policy changes that make financial education increasingly important, and describes the different types of financial education progra
Persons; Educational Status; Federal Government; Financial Management; Financing, Government; Government Programs; Humans; Pover
ovides an overview of the wide range of programs aimed at improving Americans' financial literacy as well as a short review of the current
matters and confidence in their future financial situation are also more likely to be satisfied with and supportive of their company. Implicati
ke wise decisions with regard to participating in and contributing to a pension plan. A related concern is the amount of personal saving by
etence; Social Responsibility; Trustees; United States
These include the unfamiliarity of judges and barristers with commercial principles; the intimidatory environment of courts; and outmode
ces. This requirement could be successfully achieved by including a substantial number of (anchor) items from the test for the younger gro
-profit organisations—to improve the financial knowledge of consumers. These are mainly concentrated on debt advice and social credit i
s. However, students in states that required specific financial education course work scored significantly higher than those in states with e
elationships between wages, social security and local authority benefit entitlements and the associated systems of payment. Adults with li
c ability, performance in high school, parents' education, per capita personal income in a student's county of residence, and tuition of voca
of Praxis in making the content or practice link-so critical for successful implementation of economics in K-12 classrooms. To determine the
Financial Literacy Centre at the University of Warwick and the Institute of Learning and Research Technology at the University of Bristol. A
etition, and types of economic systems. The 3 subjects the students understood least were market failures, inflation, and scarcity of resour
e that an investor’s level of financial literacy and choice of distribution channel are jointly determined is found. Thus, the hypothesis put fo
varied and voluminous content. It explores their significance in two respects: first, as vehicles for the banks to promote themselves to cho
per will argue that financial literacy is so important to organizations that financial management education and training should be seen mo
on the TEL, whether the student does more than two hours of homework a night. © 1991 Atlantic Economic Society.
Nuffield Foundation
Funding Text 1
We would like to thank Achim Glocknitzer, Miriam Haag, and Barbara Hartl for their help in collecting the data, the three revie
nowledge, we redefine financial literacy as the combination of three different indicators reflecting three domains of knowledge: financial s
ncome, marital status. Does financial literacy affects decision to invest in stocks, mutual funds? Do more financially knowledgeable people
region. Our findings confirm that the FKI and the FAI are associated to some extent with environmental traits, while the FBI is not. We con
We gratefully acknowledge the funding support for this research project provided by a Teagasc (Ireland) Walsh Fellowship (Pro
This research was funded by the Ministry of Science and Higher Education, Republic of Poland, grant number 0057/DLG/2016/
; Adult; Female; Financial Management; Humans; Leadership; Male; Middle Aged; Nurse Administrators; Professional Competence; Psycho
The hypothesis (H1b) about the relationship between credit card ownership and knowledge and understan
Swiss National Science Foundation.
hip as a key facet of life has reinvented how it should be taught, leading to collaborative pedagogical models that facilitate the exchange,
Research team would like to express gratitude to the Directorate of Research and Community Service, Directorate General of
anchor, the reference price obtained by individuals from the market information loses relevance and the anchor effect predominates. Our
ial vulnerability through its relationship with positive and negative financial outcomes (e.g., savings levels, paying credit card balances in fu
The German Research Foundation funded the initiation of an international collaboration within our research framework about
Final
Article
The researcher wants to express gratitude to LP3M of Universitas Muhammadiyah Yogyakarta which has provided the fund fo
We gratefully acknowledge the contribution of Therese Smith (Project Officer, Women?s Council of Domestic and Family Viole
pened in opening of bank deposit accounts. Similarly, the post-dimerization period has seen a rapid growth of digital finance in India. Desp
Thanks to Edith Neuenkirch, Matthias Uhl, Georg Wamser (the editor) and two anonymous referees for their comments on an
To address the negative financial consequences caused by IPV, and specifically economic abuse, the field has begun to provide
This article is based on author?s Ph.D. research, which was funded by McMaster University, Department of Political Science. T
This work was supported in part by the Ministry of Research and Technology and Higher Education.
The authors gratefully acknowledge the research support from the International Growth Centre, New Delhi through a grant w
Article
The authors acknowledge the support from New York University Research Challenge Fund and Center f
* Accepted by Kathryn Kadous. I thank Kathryn Kadous, two anonymous reviewers, Brooke Elliott, Frank Hodge, Robin Lumsda
The study data, collected by the National Institute for Family Finance Information (Nibud), include information on the financia
racy. They are also robust to an instrumental variable approach using other web skills such as email use to proxy for how individuals use t
This work was supported by Fondecyt Chile (grant number 11130614 ).
ng loans. One critical decision consumers make is accepting how lenders value their assets in exchange for credit. Three lab studies assess
yday borrowing in particular. Additionally, I show that exposure to required personal finance courses could affect payday borrowing throu
eraction between OFK and FKNI does not influence investment decision quality through SFK, it does positively influence risk-taking throug
The study outlined in this protocol is supported by the National Institute of Mental Health (NIMH) under Award Number R01M
This study was funded by grants from the Research Grant Council Strategic Public Policy Research (HKIEd 7001-SPPR-11).
Article
Purpose – The purpose of this paper is to examine the moderating role of financial consumer protection (FCP) in the access–de
This research was supported by the Hong Kong Research Grants Council (Grant No. 17407414).
rmation Literacy; Logistic Models; Male; Middle Aged; Pensions; Regression Analysis; Retirement; Sex Factors; Surveys and Questionnaires
Final
We located a potential sample of low-income older Asian immigrants in a supported employment program in Los Angeles. Ope
at prompted the initiatives, and what are the main barriers, challenges, and opportunities. © 2019 Lauren Reiter and Bronson Ford.
Article
Income during training can also reduce indebtedness. Medical students may be able to work in a limited manner during schoo
cy education. Our findings have implications for policymakers interested in narrowing the racial wealth gap via financial literacy education
positive effect of financial literacy on the probability of being self-employed. As financial literacy is acquirable, the findings suggest that en
English
The research was funded by National Natural Science Foundation of China (Grant No. 41601039 ) and Graduate Student Innov
The paper uses data from the Household, Income and Labour Dynamics in Australia (HILDA) Survey. We acknowledge that the
María José Roa (roa@cemla.org) is Senior Researcher at the Center for Latin American Monetary Studies, CEMLA. Ignacio Garr
Article
The authors gratefully acknowledge funding from the Russia Financial Literacy and Education Trust Fund, the Central Bank of T
Article
Acknowledgments: This research work was personally funded by the authors.
This work was supported by the Bill & Melinda Gates Foundation under grant OPP1133684.
India we see the barriers to inclusion are predominately caused by voluntary exclusion, and though policies will help to reach out but the
Preferences and the composition of financial portfolios also play a role in these transitions. © 2019 by the President and Fellows of Harvar
Article
enrolled.”(Paez, et al. 2014) Financial literacy is defined by the President’s Advisory Council on Financial Literacy as “… the abil
The authors gratefully acknowledge that the present research is supported byMinistry of Research and Technology and Higher
This work was supported by the Australian Government Department of Education and Training through the International Post
This table displays rates of stock/mutual fund ownership and KiwiSaver membership by financial literacy quintile, propensity f
; retirement saving knowledge; self evaluation; United States; economics; education; female; income; male; medical education; orthopedi
We thank Adam Sanjurjo for helpful comments and Holger Rau for sharing his z-Tree program. We also thank Esther Mata-Pér
Household-level data: The household level data is obtained from the Financial Inclusion Insights (FII) survey. The FII survey is o
Interest Rate Inflation Rate Stock vs. Mutual Fund Asset and Return Numeracy Investment High Financial Literacy Financial Lite
Funding This study was funded by an internal Research Dean Award, University of Reading.
Dr. Feng’s research is supported by the National Natural Science Foundation of China (Grant No. 71802166 ).
Funding: This research was funded by the Fellowship Fund Inc. who awarded the author the inaugural Molly Budtz-Olson 3 yea
This article will explore the perceptions of preservice teachers as they examine and evaluate five dif

Funding The study was supported by National Institute on Aging (grant number R01AG17917, R01AG34374 and R01AG33678
Andrzej Cwynar (andrzej.cwynar@wsei.lublin.pl) is an Associate Professor at the University of Economics and Innovation in Lu
In their role, financial counsellors work to resolve individual financial difficulty, effect systemic change and educate worker gro
is supported by the USDA National Institute of [#1003875] and by Southern University Land Grant
Final
Article
litical spheres of life. The author argues that microfinance reduces levels of poverty, which means that women are better able to meet the
Article
Note: Values in parentheses represent the p-value Sources: Authors (2007), using the R software; KN
Review
Adrian F. Ward (adrian.ward@mccombs.utexas.edu) is an assistant professor of marketing at the McCombs School of Business
Article
nvestment problem to just simple multiplication or division, thereby addressing the challenge of financial illiteracy with financial innovatio
The authors thank Dan Ackerberg, John Lynch, attendees of the 2015 Ross School of Business Marketing Camp, attendees of th
This work was supported by the National Research Foundation of Korea Grant funded by the Korean Government (NRF-2017S
Article
This study uses data from the 2012 National Financial Capability Study (NFCS) funded by the Financial Industry Regulatory Aut
Funding This study was funded by the National Institute on Drug Abuse (NIDA), Grant No. R01 DA036514, to Drs. Nabila El-Bas
The authors wish to express their gratitude to the Capital Market Development Fund, Security Commission and Malaysian Fina
This work was presented at the Gateway to Global Aging Data Research Conference, funded by the National Institute on Aging
Article
We are grateful to the Dr Edward (Tiffy) King scholarship and the University of the Free State Rese
https://orcid.org/0000-0002-5207-2052 Rudeloff Michelle Brahm Taiga Pumptow Marina Eberhard Karls University of Tübinge
Final
Review
This study was partially supported by the Research University’s Individual Grant (1001/PPSP/812149) from the Universiti Sains
Supported by the research project of Humanities and Social Sciences of the Ministry of Education (17YJA790080).
We would like to thank the Directorate of Research and Community Service, Directorate General of Strengthening Research an
Article
ACKNOWLEDGEMENTS Funding: This work was supported by Polish Ministry of Science and Higher Education grant [contract n
In a part of Prof. Lentner, this study was supported by the PADS (Hungarian National Bank Foundation) Leader Expert Program
Article
Acknowledgments: We are grateful to five anonymous referees and Claudio Michelacci (editor) for their constructive commen
This study was funded by Fundamental Research Grant Scheme (FRGS) under VOT-59447. We would like to thank the Minister
We thank Martin Brown, Tobin Hanspal, Geng Li, Steffen Meyer, Annika Weber, as well as participants at the 21st Annual Conf
those who were overconfident had a delinquency likelihood three times as high as those who had high objective and subjective literacy. S
s before it begins. This paper details how a large, urban community college took a proactive approach to these concerns and developed an
Article
We thank Deeksha Kokas and Jake Hess for valuable assistance. The findings, interpretations, and conclusions expressed in thi
In 2005, the Ministry of Education, Taiwan, initiated a program named as “Financial Literacy Promotion Programme” to cultiva
icate that younger workers with lower levels of education and financial literacy are logical targets for agency informational outreach and in
tter off. Steven Buckles, president of the National Council on Economic Education, one of the groups of organizations that sponsored the G
The work is performed according to the Russian Government Program of Competitive Growth of Kazan Federal University.
Article
This work was supported by the Flemish Science Organisation [S000617N]. This study is registered in the AEA RCT Registry and
at the strategies and instruments that governments in Central Asia have developed to reduce these barriers, ranging from the improveme
We would like to thank Xinghua Liu, Fei Meng, Churaporn Charoenporn, Trisukon Sawatrukkiat, and Phitawat Poonpolkul for c
* Acknowledgement: We would like to thank the reviewers for their valuable comments regarding the improvement of the pa
18. Dwiastanti, A. (2015). Financial Literacy as the Foundation for Individual Financial Behavior. Journal of Education and Practi
Förster Manuel Technical University of Munich (TUM), Germany https://orcid.org/0000-0001-6829-2909 Happ Roland Johann
Money, as well as handling and using money, are part of consumers’ everyday life, however, not every
Received for publication March 20, 2019; accepted May 17, 2019. From the *Rush Alzheimer’s Disease Center; Departments o
English
The author(s) thank Nihat Yasart?rk for double coding the students? answers to constructed-response items, Ahmed Khatib fo
Peer Review in Social Protection and Social Inclusion programme, coordinated by ÖSB Consulting, th
Article
Conference Paper
The author(s) disclosed receipt of the following financial support for the research, authorship, and/or publication of this article
This work was supported by Stiftung Würth .
Final
The poetry experiment was supported by a Tufts University Innovates grant. Co-investigators Ayanna Thomas, cognitive psych
Article
* Address for correspondence: Remus Ilies, National University of Singapore, 15 Kent Ridge Drive, Mochtar Riady Building, Sing
Article
A number of institutions have been established to manage labor migration ( Figure 2) . The general directorate of labor under
Article
-control; (b) PFA has a positive effect on saving behavior; and (c) people with lower levels of self-control benefit more from obtaining PFA
eW would like to express gratitude to Lembaga Pengelola Dana Pendidikan (LPDP) for funding this reaserch and publication.
Final
Book Chapter
Research teams (Figure 1) are the core units for financial analysts. Since thee m-ployer (Figure 1) is active around the globe, th
Article
Financial literacy is a crucial topic for consumers and in particular is essential for young people (Lusardi, 2015). There are nume
J. Fam. Econ. Issues
Acknowledgements The authors appreciate comments on earlier drafts from Megan Doherty Bea, Bill La
From October 2016 until December 2017, a 2-day financial education course was provided to early-stage entrepreneurs. They
Funding The EPMC project was funded through an Australian Research Council Discovery Project (DP110101027).
udinal Studies; Male; Middle Aged; Planning Techniques; Retirement
Appl. Econ. Lett.
Article
Article
Financial statement: This study was supported by grants from the Johns Hopkins Children's Center Special Project Fund, the Jo
This work was supported by the Australian Research Council [LP0011234].
The authors acknowledge the financial support from JICA Research Institute under the research project: “Empirical Study on th
Final
nificantly underestimated the extent of the financial illiteracy problem based on at least two flawed assumptions. First, we have presume
ACKNOWLEDGMENTS The study was carried out with the financial support of the Russian Foundation for Basic Research (proje
from the African Economic Research Consortium (AERC) (Grant No. RC15502) is gratefully appreciated. I am indebted to Prof.
183 187 10.1145/3285957.3285985 Since the Industry 4.0 has been impacting almost all industries, entrepreneurs should prep
Financial support from Social Security Research Centre, University of Malaya (UM.E/SSRC/628/3/12) is gratefully acknowledge
Article
The authors acknowledge funding from the 2016 Post-doctoral Grant of CSU and the 2018 Post-doctoral Grant of China .
Financial education of young people, particularly in schools, has long been considered a priority. In this regard, the Internation
Final
Final
This work was supported by the National Natural Science Foundation of China [grant number 71673007 and grant number 714
Another area of research connecting economics education to civic outcomes involves how U.S. students
0−6, the sum of correct numbers for financial literacy
Article
Article
The authors acknowledge the financial support from VLIR-IUC MMU Programme.
Acquiring financial literacy presents many unique challenges for young adults with disabilities. Altho
of Things, semantic computing and big data finance are motivating the construction of financial tools that translate into new financial mec
Educ. Train.
This project was made possible by funding from the Grand Challenge Canada Grant.
This study uses longitudinal data (2001–2010) from the Household, Income and Labour Dynamics in Australia (HILDA) Survey.
The authors are thankful for financial support from the Australian Research Council Discovery Project grant number DP120103
Article
Part of the research was funded by Special Fund research grant of the National Bank of Belgium and a grant from the TiSEM A
We acknowledge the financial support of the European Savings Institute (Observatoire de l’Epargne
We thank FINO PayTech for implementing this program and Prakash Lal of FINO PayTech for his support. For comments, we th
Our work has several direct implications for policy makers. First, consumer protection can be preventative through implement
This study was supported by National Institute on Aging Grants R01AG17917 (David A. Bennett), R21AG30765 (David A. Benne
Daniel L. Millimet is a professor of economics at Southern Methodist University and an IZA research fellow. Ian K. McDonough
This paper uses survey data collected within a research project financed by the ABI-PattiChiari bank consortium. We gratefully
y; questionnaire; retirement; sex factor; Spain; standards; statistics and numerical data; Aged; Female; Financial Statements; Humans; Lon
This research is financially supported by Universiti Teknologi MARA [Grant No. 600-RMI/IRAGS 5/3 (55/2015)]. The authors are
dertake courses in financial education and they therefore have limited financial knowledge. Training in financial literacy through university
JGBSF
Acknowledgments: This paper is partially supported by the research project of the Ministry of Science and Technology (MOST)
r India were selected for a survey and results point that rural poor accept mobile technology for banking related information but do not w
w understanding of the product features, but general financial literacy did not directly improve ruin risk management. Initiatives aiming to
eting techniques adopted by various financial institutions and societies for promoting financial inclusion initiatives for the development of
Article
compliances, financial awareness, products, and services. Barriers to financial services expansion and product and service delivery in rural
. © Peter Lang GmbH. Internationaler Verlag der Wissenschaften. Frankfurt am Main 2017. All rights reserved.
ad of improvement for both investors and authorities. This book is not only applicable for academics and students, but authorities who aim
This research was supported by the Gabelli School of Business, Fordham University. The authors thank Kristina Cordi for her re
nducted that explores how Latino male community college students elicit, engage, and explore financial literacy programs. This paper mak
Article
Italy Italy Aflatoun and Honest Money Box (HMB), Ghana Credit Wise Cats, USA Commonwealth Credi
∗Milo Bianchi is with Toulouse School of Economics, TSM, University of Toulouse Capitole, Toulouse, France. I thank Stefan N
When formal saving opportunities are unavailable or unattractive, individuals use second best options
El artículo se estructura en seis secciones: en la sección I se hace una breve revisión de la literatura relacionada con el financia
Abstract Many theological students are in over their heads with student debt, as Association of Theol
divergence persists even after we control for cohort effects. © 2018 Economic and Political Weekly. All rights reserved.
This study was funded by the National Institute on Drug Abuse (NIDA), grant number R01 DA036514, to
J. Bank. Financ.
The national average financial literacy score was provided by the National Financial Capability Study.
Article
00014_165884, 100019_176016, PP00P1 150739
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The authors wish to express their sincere gratitude to the Management of Covenant University for giving full Sponsorship to th
perspective on this topic. It presents a balanced critique of credit and finance schemes under the assumption that reform is the most prac
Thanks to Kehinde Ajayi, Susana Peralta, Genevieve Melford and seminar participants at NEUDC and the NOVA School of Busin
This publication was made possible by contract HHSP233201500039I from the Department of Health and Human Services, Adm
We appreciate and acknowledge that this research can be carried out because of the support from the Malaysian Technical Un
Enhanced financial knowledge would help the SME owner in financial planning, allocation of scarce financial resource, records
A survey by Organisation for Economic Co-operation and Development (OECD) and International Network on Financial Educati
pendents in a family. These statistically significant results suggested that male respondents who are married and have 3 financial dependen
The author would like to thank Victoria University for the financial support provided for this project under the VU Research De
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We are grateful to the Dr Edward (Tiffy) King scholarship and the University of the Free State Resea
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The researchers wish to extend our sincere appreciation to MFPC and the grant provided by CMDF in funding this research. Sp
Fig. 4. A project of the Czech National Bank to support financial literacy [22]
The study carried out a comparative analysis of the financial literacy of the population, estimated in the framework of The Org
Life without debts is the SEKO site, which implements the Fund for Further Education. It was the project
The U.S. Financial Literacy and Education Commission (2007, cited in Yates & Ward, 2011) defines financial literacy as, “. . . the
This research is supported by Croatian Science Foundation: “STatistical modelling for Response to crisis and EcoNomic GrowTH
Acknowledgements. This paper is part of a research grant VEGA No. 1/0849/15 entitled Economic and social aspects of the inf
Supported by National Institute on Aging Grants K01AG050823 (B.D.J.), R01AG17917 (D.A.B., B.D.J.), and R01AG033678 (P.A.B
This study and Money Matters are indebted to the support from CommUniverCity San José, the College of Business at San José
The large-scale projects organized by the OECD and World Bank have made a significant contribution t
education; procedures; radiology; Education, Medical, Graduate; Financial Management; Financing, Personal; Humans; Internship and Resi
nowledge, attitudes, and experiences of residents in the realm of personal finance. Twelve residents completed interviews: one male and
Having these limitations in mind, the study is intended to build the basis for future research at the intersection of behavioural
Article
* Maria Eugénia Mata, Associate Professor, Faculdade de Economia, Campus de Campolide, Lisboa, http://docentes.fe.unl.pt/
31 UAS designers drew these questions from the National Council of Economic Education Survey, the Financial Industry Regula
Review
Research presented in this paper was supported by VEGA 1/0726/14.
e important than income in determining who uses payday loan services. We also find an increasing reliance of clients, especially repeat bo
This teaching case was partially funded through the generous support of UCLA Luskin School of Public Affairs. We gratefully ac
mediate environment, the several components of the health education curriculum provides numerous opportunities for exploring ideas c
We thank Hogan Assessments, and Jeff Foster in particular, for collaborating on this research project. Moreover, we thank Jam
Funding Sources: This project was supported by a small grant of US$3,500.00 from the Dalhousie Research Development Gran
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ended to facilitate provision of credit to small enterprises in India, to help realise the potentials of self-employment, and to generate addi
Account. Financ.
hbased financial concepts through activities and technologies that were interactive, appealing, and engaging. The program development a
In the case of the Republic of Moldova, the programme was supported by the European Union within the framework of EU-M
Article
Development Canada and overseen by a board made up of representatives of Aboriginal Affairs, the Vancity Credit Union, the
Article
ts is dependent on the teacher's expertise; (b) there is a strong correlation between pedagogical skills of the teacher; (c) it is desirable to l
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Article
crisis; challenges in evaluating financial literacy; evaluating counter-terrorism programs; evaluation in the context of humanitarian crises; a
or the restricted sample of working students revealed a strong relationship between a student’s financial well-being and stress. These stu
Bus. Syst. Res.
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Article
Author’s Note: Gary R. Mottola, PhD, is a Research Director at the FINRA Investor Education Foundati
Very few studies report the development of gamification in e-banking. Nevertheless, we may compare our results with those f
The authors would like to thank the editor and two anonymous referees whose comments and suggestions helped us to subst
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J. Nutr. Educ. Behav.

ancial housing crisis, 6.9 million homeowners faced mortgage delinquency causing financial institutions to begin foreclosure proceedings (
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Literacy; Health Services; Humans; Insurance, Health; Patient Participation
Review
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the usual computer means of financial computation such as spreadsheet and online calculators the authors discovered the utilisation of th
National Science Foundation (https://www.nsf.gov/) provided support through grants SES-1155924 and -1558230. The funder
nformation and education as tools for consumer protection. It challenges the mainstream representation of financial literacy education as
: 20120002110085
Soc. Indic. Res.
differences are present for very basic as well as more advanced measures of financial literacy. This is important because financial literacy h
ties, borrowers located in areas with low levels of education, low-income borrowers and borrowers with low FICO scores. My results sugge
Meanwhile, most of population still put hopes on the state pension system, despite the problems in its operation. The Nationa
g average of one million new customers to the formal financial system every month. FINO's uniqueness came from factors such as diversifi
net; Internship and Residency; Surveys and Questionnaires
e study; randomization; randomized controlled trial; registration; reproductive health; school child; urban area; Zambia; behavior; diet; nu
Br J Educ Technol
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cision Making; Delivery of Health Care; Health Literacy; Health Resources; Humans; Income; Quality of Life; Retirement
The author would like to thank DNB Household Survey for providing the data. The author would also like to thank CentERdata
ent; independent living; legislation and jurisprudence; mental health; organization and management; socioeconomics; standards; young a
English
The EPMC project is funded through an Australian Research Council Discovery Project (DP110101027). The views expressed ar
n as Topic; Surveys and Questionnaires; United States
This work was supported by grant ECO2013-45568-R of the Spanish Ministry of Education, and the European Regional Develop
ect of meeting with a financial adviser. The notion of adviser anxiety is inspired by evidence from medical settings that suggest individuals
mprove consumer well-being. Copyright 2015 by The American Council on Consumer Interests
The author would like to thank Bank Negara Malaysia for the data used in the study. Opinions expressed are those of the auth
The authors would like to acknowledge the Australian Seafood Cooperative Research Centre and the Fisheries Research and D
d drawing activities, and classroom conversations. ©, Copyright Association for Childhood Education International.
English
Este procedimiento se complementó con aplicaciones presenciales hasta lograr un total de 200 encuestas. Para este último pa
Article
Research presented in this paper was supported by VEGA 1/0726/14.

International and domestic research studies (OECD, 2012), Canadian Financial Capability Survey (CFCS), European Commission
depend on institutional frames that either promote or limits their financial choices. Thus, institutional framing structures the w
g teachers' perceptions of the opportunities for financial literacy teaching and learning. Data were collected from 35 teachers in 16 Victoria
ial wealth gap persists © 2017, Federal Reserve Bank of St. Louis.
Servon and Kaestner (2008) stated that financial literacy is a person's ability to understand and utilize of financial concepts. U.
ally mediated by the latent constructs that measure the students' attitudes and motivations. This suggests that the direct impact of the fam
hieved with a combination of financial knowledge and time perspective introspection. © The Author(s) 2017.
This research was supported by the Grant Agency of Academic Alliance (Project No. GA/2016/9), the Internal Grant Agency of
This paper is part of a research grant VEGA No. 1/0849/15 entitled ‘Economic and social aspects of the information asymmetry
ted workers contribute three percentage points more of their earnings to the DC plan than do the less knowledgeable, and they hold mor
In Latvia the National Strategy for Financial Literacy was implemented in 2014. It has been coordinat
vvy and customer-friendly, Industrial Credit and Investment Corporation of India Bank has stayed ahead of the competition by anticipating
Financial support from FONDECYT , under grant Iniciacion #11130614 , is gratefully acknowledged. I thank reviewers for their v
Supported by grants R21-AG044737 and 5P30AG024962 from the National Institute on Aging and by the Bing Center for Healt
he American Library Association. She is a member of the BRASS Publications and Communications Committee, serves as editor of BRASS N
Chaturvedi, M. and Khare, S. (2012), “Study of saving pattern and investment preferences of individual household in India”, In
The author would like to thank Swedbank for providing the data, and the Wallander foundation for financial support, and the
Article
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between these mediums, will impact the financial literacy education accessible to various demographic groups and the role library progra
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The authors would like to acknowledge the financial assistance provided by the Ministry of Education (MOE), Malaysia via FRG
We have benefited from the comments of Diane Romm, Einav Segev, Dan Givoly, Dafna Schwartz, Dan Amiram, Shmuel Hause
moneyness hypothesis: the value of the embedded financial options and guarantees has the largest explanatory power for the surrender ra
to reducing the likelihood of seeing debt as useful for lifestyle expenditure. Debt anxiety was found to be higher among students with a g
wnership; Social Work; Socioeconomic Factors; Stress, Psychological; United States
mics training, on the other hand, increases both the likelihood of holding outstanding debt and the prevalence of repayment difficulties. R
ents developed a lecture series at a local senior day center on historical highlights from the world of mathematics. The students learned h
nty (CCBC) recognized that the institution needed to address financial literacy with its students in some way. To address the needs of their
c institutions for the FY2009 cohort at 36.7%. At risk of losing all federal financial aid eligibility, the institution underwent an impressive tra
ople and exposition to long-term stress which can lead to psycho-somatic disorders. © The Turkish Online Journal of Educational Technolo
adult; Adolescent; Adult; Aged; Decision Making; Female; Financing, Personal; Health Knowledge, Attitudes, Practice; Health Status; Huma
Article
ersities; Young Adult
This research was supported under the Australian Research Council’s Discovery Projects funding scheme ( DP110103808 ).
; regulatory framework; risk perception; uncertainty analysis
Article
This research was supported by the National Institute on Aging grants R01AG017917, R01AG033678, and K23AG040625, the A
s; Decision Making; Female; Humans; Insurance, Long-Term Care; Male; Middle Aged; Socioeconomic Factors
Insurance, Health; Logistic Models; Male; Medication Adherence; Middle Aged; Multivariate Analysis; Socioeconomic Factors; Stress, Psyc
eracy and elaborates on the state and recent developments of financial literacy around the world, to show ways of measuring and fosteri
Article
Article
xpenditures. All of these developments suggest that financial education should be part of a lifetime process that starts at an early age and
tive games and tutorials, peer-to-peer mentoring, and financial literacy contests in addition to more formal education. It gives you a samp
significant difference among Christian college students based on their secondary education experience—Christian, public, or home school
he connection between millennial financial decision making and the climate of risk brought on by the Great Recession. © 2016 Taylor & Fr
pic, we include 4-5 financial behaviors (22 in total) to demonstrate the consistency of the findings within and across topics. Although we ar
nesses (especially financial institutions), community groups, and not least, academic researchers, have all taken a keen interest in this imp
tion of Retired Persons (AARP), 2007, 2008, 2011; Australian Crime Commission (ACC) and Australian Institute of Criminology (AIC), 2012). T
The recent economic downturn, known as the Great Recession, has magnified overall awareness of finan-cial illiteracy and its
documents two aspects of financial literacy: financial knowledge and financial decision-making behavior. The findings indicate that the acti
them to understand the implications of alternative decisions that may greatly improve their financial behaviour. © The Editor(s) (if applic
onsumer financial literacy, how gender and cognition intersect to play an important role in financial decision-making, and how to improve
We implemented a pretest–posttest evaluation of a 1-week financial literacy curriculum taught to eigh
bile products; Service design; Product design

been witnessed at a time when new marketing regulations have been proactively introduced to the financial services sector, with the obj
ntrolled clinical trial; controlled study; decision making; field experiment; finance; genetics; government regulation; household; human; inf
insurance agent’s recommendation, to the fair disclosure statement provided by the agent and the decision maker’s degree of financial li
(Brennan and Coppack, 2008) as areas of special interest for policymakers. © The Editor(s) (if applicable) and the Author(s) 2016.
ur results suggest that individual employees often lack the skills necessary to support the current model of participant-directed investing. W
Article
growth rate of 10.2 per cent (constant USD). In the United States, the average credit cardholder has 3.7 credit cards as of 2009 (Foster et
ffers ideas to integrate economics into current history, civics, and math curricula. The final portion of the book features recommendations
purchase technology and supplies. The grant also provided faculty summer support for work on course development. The mon
c of 1837, the American paper money system became unstable and Brownson proposed that the shared formal identity between literature
Article
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Article
ual fund schemes and to study the investor's perception in selection of a mutual fund. The study shows that mutual funds have failed to off
gned the financial literacy assessment in PISA. Our journey to design that assessment included meetings in many countries and lasted for
fying the presentation format improved participants' ability to locate important information (accessibility) and to evaluate the relative per
the presence of a fair disclosure statement. Only participants with high financial literacy, who received a disclosure statement, did examin
, this book should be required reading for corporate management, boards of directors, and their committees." --George K. Gill, Chairman a
influence in the system were beliefs (how money fits in with other convictions held by students), societal impact (what students think abo
dents, Medical; Surveys and Questionnaires; Young Adult
Pleiades Publishing, Ltd.
t a widely accepted definition for this construct or of how to best promote the development of numeracy capabilities. In this article, we fi
ment occurs independently of accumulated financial resources. Featuring standards for Grades 4 and 8, offering stimulating questions for d
The author wishes to thank Henrik Artman and Inga-Lill So?derberg for performing the independent coding analysis and VINNO
Article
s need to implement customer prototyping on the microeconomic level to improve savings behavior of individuals of varying market segm
We would like to thank the team of My Finance Coach, Munich , for supporting the survey fieldwork, the “Gleichstellungsfond
ocial adaptation; statistics and numerical data; widow; Adaptation, Psychological; Aged; Australia; Bereavement; Economics; Female; Hum
This work was funded by the Research Grant Council, Research Grant Council Strategic Public Policy Research (HKIEd 7001-SPP
To demonstrate how individuals understand risk and other concepts in a financial context, I will first make use of the data from
nnaires. Financial literacy, domains in money attitude and financial capability had significant influence toward financial Well-Being whereb
r behaviors and decisions often have consequences for individuals and the global community that surround them. This article discusses ho
Article
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nvesting experience, age, gender, and propensity for risk, we find a negative association between novice nonprofessional investors' financi
This research was supported by a UNSW Science Faculty Research Grant.
We gratefully acknowledge Citi Foundation for their generous financial support. We thank the participants of the IIMA-Citi Fin
The author, a business and economics librarian, describes how she led the way at her institution to bring financial literacy to th
education, and tools [needed] to make good financial decisions in an increasingly complex U.S. and global financial system” (F
Article
olds with below-median financial literacy that trust their own decision-making capabilities lose an expected 50 bps on average. All group d
als' choice, with special focus on information costs, on the role of income and preferences, and by characterizing the optimal contribution
Final
ch take into account the role of parents in the financial socialization process. In addition, consequences for the role of teachers are discuss
dently of our curriculum. In a test of overall financial knowledge, the FFFL-intensive group outscored both control groups and the SML-int
s, Veterinary; Students; United States; Young Adult
We acknowledge the encouragement and financial support provided by Professor Michio Yamaoka.
es more financially literate. © 2008 Taylor & Francis. All rights reserved.
havioral cues such as threshold effects into a risk assessment model improves its ability to uncover delinquencies, though at a cost of misch
racy. These findings help confirm the relevance of inflation expectations surveys and provide support to the microfoundations of modern
This project was funded by a Research Award from the Mass Communication and Society Division of the Association for Educa
; Humans; Independent Living; Male; Socioeconomic Factors; United States; Young Adult
und providers to reconfigure their default investment strategies in accordance with new regulatory requirements. Despite these policy ref
re, thus increasing the time rent can be collected on the property. The case is designed for discussion on the topics of financial literacy and
ure, thus increasing the time rent can be collected on the property. The case is designed for discussion on the topics of financial literacy an
On a less bureaucratically spectacular scale, ordinary military wives are also invited to help enhance the financial readiness of
tion exists, which the author discusses and puts into perspective. © 2015 Institutional Investor LLC. All Rights Reserved.
nge Benefits; Time Factors

al reports, annual reports, securities exchange commission filings and corporate social responsibility reports. Each report category is discu
financial advice in New Zealand. Currently, the total number of New Zealanders who receive financial advice is not known at th
Article
ps; Humans; Male; Middle Aged; North America; Occupational Health; Occupational Injuries; Parent-Child Relations; Parents; Risk; Safety;
mb training was significantly larger than that of the standard accounting training, suggesting that simplifying training programs might impro
The primary conceptualization of the work and the field study reported here were done by the first author and manuscript pre
This publication was made possible by grant number TP2AH000019 from the Office of Adolescent Health in the Department o
ual fund schemes and to study the investor's perception in selection of a mutual fund. The study shows that mutual funds have failed to off
First, we owe the editors and the two anonymous reviewers a word of gratitude as their suggestions have improved the paper
1. David McKenzie (corresponding author) is lead economist in the Development Economics Research Group at the World Ban
tion, and compound interest, and that they lack the knowledge necessary to protect themselves from fraud.
Project 71232003 & 71002074 supported by the National Natural Science Foundation
iteracy is correlated with a 60% increase in illiquid asset holdings and a 30% increase in liquid asset holdings. Financial literacy moderates
This research was funded by a Waikato Management School internal contestable research grant. We are thankful to John Gibs
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The World Bank Financial Capability and Consumer Protection surveys were conducted twice in Russia (2008, 2009), and once
quip people to respond to the challenges posed by the financial sector. Further, financial literacy material must evolve from below, such t
Special attention should be given to some publications because they are likely to be widely read and used by teachers, school
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y of adults and interest on the matter. A good evaluation of economic literacy allows one to distinguish the existing deficiencies and thus d
ot the only possible explanation for this finding, the result is robust even after controlling for a host of other factors such as getting advice
Abstract Using data collected by the National Financial Capability Study, a survey recently commissio
ow teachers and students can develop such literacy. © 2014 The Society for the Psychological Study of Social Issues.
Acknowledgments The authors gratefully acknowledge the funding support of the Australian Research Council Linkage Grant—
Dick Bryan and Michael Rafferty acknowledge funding support from the Australian Research Council [grant number ARC DP12
anagement; Humans; Income; Italy; Male; Personal Autonomy; Practice Guidelines as Topic; Retirement
l literacy. © 2014 by Nova Science Publishers, Inc. All rights reserved.
We thank Vincent Chen, Michele Choi, Wallace Davidson III, Yonghyun Kwon, Yun Liu, conference participants at the 2010 Sou
therapists in decisions about treating financial concerns for couples. Suggestions of future research and core competencies are discussed
ring the BizTown group and the control group. Furthermore, JA BizTown curriculum can dramatically increase the students' knowledge in
Article
es and immediate returns due to matching contributions. From a survey of new hires, we find that many workers choose not to contribute
e last years many public and private institutions have launched initiatives in the field of financial education, but now it'd be necessary to e
Article
The authors thank Libin Zhang, Merin Thomas, and Zachary Rickerman for their work as research assistants. The first author al
Implications for Extension are offered in terms of those factors that promoted the effectiveness of the financial literacy education. © 2013
This work was supported by the Faculty Research Fund at Inha University, South Korea. We would like to thank the referees of
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Rev. Black Polit. Econ.
We thank Ed Al-Hussainy, Andrei Markov, David McKenzie, Martin Melecky, Sue Rutledge, Bilal Zia, and seminar participants a
aries, including the priority audiences and topics of those programs and services. Finally, we discuss an analysis of the finance-related hype
hing basic budgeting to a targeted segment of older adults have the potential to increase well-being and family relationships. © 2013 Exte
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ducation; Health Promotion; Humans; Male; Mongolia; Motor Activity; Risk Reduction Behavior; Risk-Taking
is presently working as an Assistant Professor at V. M. Patel Institute of Management, Ganpat University, India. She is empane
Article
cations for improving individual financial decision-making of credit constrained consumers.
on. The analysis included an ANOVA test and t-tests. Results revealed an overall low level of financial literacy amongst Israeli children. Reli
J. Bank. Financ.
Acknowledgments We thank Martin Gasche (MEA) and two unknown reviewers for very helpful support. Thomas Lueg (GDV),
Article
Article
Keywords: financial and non-financial assets; financial literacy; Hong Kong Child Development Fund Pioneer Projects; intergen
et; household expenditure; residential energy; Netherlands
e examine whether some of the questions previously used as measures of financial literacy are consistent measures of financial knowledg
Article
The author wishes to thank the Hogg Foundation for their grant assistance with Texas Exoneree Proje
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d in 1998-99 and a follow-up study for a subgroup of women carried out in 2002-03. The findings underscore the need to support program
counts, and selecting/financing long-term care. The author concludes caregivers need and could benefit from financial education. She rec
This study used the data collected through the Financial Literacy project at a land-grand research university in a midwestern st
al sector entrepreneurs are often characterised by low levels of skills, limited access to organised markets, and low and unstable incomes.
ey differently. The financial literacy grid was developed to examine generational characteristics, life cycle tasks, financial concepts, and app
performance is similar across themes and cognitive levels for US and New Zealand students, but Japanese students perform better mostly
Acknowledgments This project was supported by The Allstate Foundation, Economics Against Abuse Program. Points of view i
The authors gratefully acknowledge the support of Detective Constable Michael Kelly, Financial Crimes Unit, Toronto Police Se
The authors wish to thank the Centre for Financial Independence and Education for funding to support this project.
I thank researchers at CeRP, Elsa Fornero, and an anonymous referee for helpful comments. Any errors are mine. Financial sup
literacy at the 2014 ALA Midwinter Meeting in Philadelphia. © 2013 Adi Redzic.
These investment funds differ from savings, the feet of the economy. Savings is money, or another asset, put into reserve and
ot be prepared to make informed decisions regarding the management of their financial affairs, including investing for a secure retirement
th the approval of the Recommendation of the Council on Gender Equality in Education, Employment and Entrepreneurship in May 2013.
kets presents students, researchers, and practitioners with an in-depth global analysis of the legal and regulative aspects of corporate fina
ted with planning status. Those expecting to rely primarily on Social Security for their retirement income are less heavily represented amo
r current educators are discussed.

stice is an important moral obligation if we are to achieve inclusive financial literacy education and recommends feminist pedagogies to co
ic irresponsibility, inequality and disengagement. From a perspective informed by critical theory and pedagogy, the first three sections of t
Brown School of Social Work, and associate director, Center for Social Development, Washington University in St. Louis. Jonath
The authors thank Anna Dreber Almenberg, Marieke Bos and Magnus Johannesson for helpful comments and Finansinspektio
We are grateful to Ligia Cuadra and parents in the group Apasionados por la Lectura and to the parents in the Plazas Comunita
Literacy; Humans; Information Literacy; Male; Quality of Life
retirement-related decisions will affect workers' well-being for the remainder of their lifetimes, many do not possess enough basic financi
Sarthak Gaurav (corresponding author) and Ashish Singh, Indira Gandhi Institute of Development Research, Goregaon (E), Mum
g IRT, the current analysis uses individuals' answers to inform which questions to include in the scale in the first place, rather than simply c
of Korea; Socialization; Socioeconomic Factors
Article
g later in life. Copyright © 2012 American Society on Aging.

y is a problem faced across the entire spectrum of society, including the uneducated and the educated, this study investigates financial illit
, Personal; Health Behavior; Health Literacy; Health Status; Humans; Income; Male; Mental Health; Neuropsychological Tests; Sex Factors
I should like to thank the ESRC for supporting this research through grant: RES-061-25-0478, and YouGov for incorporating que
Interacting with patrons and fulfilling their information needs has been a core service in librarianship. This is particularly true f
We thank all of the women who participated in this study. Further, we thank Amanda C. Martin, Lisa Franzen-Castle, Kristen W
he relative education level of spouses. © 2012 by The American Council on Consumer Interests.
male; Humans; Income; Interpersonal Relations; Interviews as Topic; Longitudinal Studies; Middle Aged; Multivariate Analysis; Power (Psyc
ffective to take care of legal conditions, which are easier to handle. Generating such conditions requires civic competences in order to est
d this book challenges those who claim that 'there is no alternative' to neoliberal insecurity and reduce education to a consumerist training
This article was made with the targeted support of Student Specific Research at the Faculty of Information Management, Univ
This article was made with the targeted support of Student Specific Research at the Faculty of Information Management, Univ
Sharon M. Danes is a Professor in the Family Social Science Department at the University of Minnesota. She has authored over
hese individualized pressures to invest in retirement has elevated the importance of financial literacy in the 21. st century. Late employme
confirms these findings, demonstrating that newly opened accounts remain open and in use 2 years after the intervention. © 2011 the A
1. This study was financed by the Autoriteit Financiële Markten, and carried out with Nynke de Boer and Caroline Timmerman
ons; Models, Psychological; Patient Education as Topic; Quality of Life; Rehabilitation, Vocational
The SCF data is a triennial survey of the balance sheet, pension, income, and other demographic characteristics of U.S. familie
Article
Manuscript received March 13, 2010; accepted May 01, 2010. Date of publication June 28, 2010; date of current version May
Data for our sample consists of test results collected during the spring of 2009 as part of the EconChallenge competition. The E
ertainty is positively related to point forecast levels and to larger revisions in point forecasts over time. © 2011 John Wiley & Sons, Ltd.
Paul W. Grimes is a professor of economics at Mississippi State University (e-mail: paul.grimes@msstate.edu). Meghan J. Mille
nsurance (PRMI). We discovered that business students were more financially literate than nonbusiness students and that business studen
aspects: First, it will try to broaden the perspective by reexamining the scope of policy options. Second, it will highlight some problems th
ncrease youth financial literacy. © by Extension Journal, Inc.
hoolteachers generally lack understandings of the content, that teacher preparations inadequately educate teachers to teach about this co
t-generation, lowincome, and minority students from various Southern California School Districts intended to motivate students to seek c
ents. Students across all three nations demonstrated highest achievement on the topic of Earning Income and lowest achievement on the
The authors gratefully acknowledge the support of GESB, UniSuper, STA (AustralianSuper), and HESTA in the conduct of this re
SG1/estat/List.do?bid=0000010242718cycode=0;
English
dized, commonly accepted financial literacy instruments. Copyright 2010 by The American Council on Consumer Interests.
nd children, and gaps in best practices are identified. © 2010 Elsevier Science Ltd. All rights reserved.
ht 2010 by The American Council on Consumer Interests.
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n a female with less than a high school education whose parents were not wealthy. Copyright 2010 by The American Council on Consumer
efinition should improve future research turn helping consumers better understand and adapt to changing life events and an increasingly
future expenses and on prices they pay (rather than on the US inflation rate) and by individuals with lower financial literacy. Copyright 201
. Conversely, people with higher levels of financial literacy and financial capability are better able to manage their income and expenses, a
racy. Interestingly, subjects who choose high-fee funds sense they are making a mistake.
Improving financial literacy through education programs has become a global issue. To address concer
Article
s that are financially destructive, how to avoid becoming victims of fraud, and how to exercise their consumer protection rights. Financial
fluence of self-control and future orientation on savings behavior is discussed.
Article
n the general framework of literacy as social practice', the concept of 'financial literacy' is also used to understand student practices. Draw
English
r one semester of formal economics instruction, TEL examination scores improve by 12.3 percentage points on average.
Article
r practical purposes. Rather than simply providing investment and borrowing strategies, the author successfully equips readers with the sk
s discussion are an example of the organic production of what has been called a borderlands Discourse that bridges school-based knowled
also discuss the bank's multi-stakeholder initiatives for capacity building, which include two schools where rural women learn essential bu
We thank Chris Ryan, Vance Martin, an anonymous referee and the Editor for helpful comments and suggestions. This paper u
o unambiguously establish that any behavior is a mistake, especially when one considers the possibility of nonstandard preferences. B. Do
ns, or improving disclosure of information, Minsky emphasized the importance of orienting financial reforms toward understanding and m
ent; Financial Management; Humans; Students, Pharmacy

t in the use of literature, sports, and popular culture to enhance classroom presentation of economics, this volume offers a number of cha
and the various actors that populate them and their environment, define and shape the choices available to them. It has examined how th
and one incorrectly thinking that he knows certain information. We address these issues by offering a simple solution to the data collectio
reby exacerbating the inequality of economic welfare among families. Moreover, high school classes in personal finance and money mana
scribed and outlined to provide a general framework to guide financial education evaluation. © 2008 Springer Science+Business Media, LLC
etworks; Vectors; Support vector machines
motivated and competent to make financial decisions that increase their own welfare. The vision created is of educated consumers hand
An already established organization providing information and guidance to the public on pension matters and resolving disput
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etween information and communications technologies and financial literacy. Overall, urban low- and moderate-income individuals are int
urity for All (FSA) provides online financial information 24/7/365 and was among the first wave of extension CoPs released by extension fo
Acknowledgements The research in this project was funded by a grant from the Melbourne Centre for Financial Studies. We w
We would like to thank an anonymous referee for helpful comments. This paper was in parts written while Markus Glaser was
his perception, and the views of the government at any particular time on the relationship between education and the economy, can be tr
al literacy as well as greater job stability, stronger workforce attachment, and higher income. Employer-sponsored pension plans were the
s, increased savings, and decreased debt. The data supports financial literacy training as enhancing financial well-being. Copyright © by Ex
een empowerment and responsibilization aspects of literacy enhancement to policy goals of expanding financial markets and assisting fina
n the UK. The authors conclude with policy priorities for the government. © 2007 CIPFA.
Article
cation (see, for example, Organization for Economic Cooperation and Development 2005). © 2007 by Russell Sage Foundation. All rights r
in the principles of economics, there has been discussion but little research conducted about whether online delivery is equivalent in term
3. The SU Economics through Project Advance course requires that teachers complete masters-level courses in micro and mac
rade point average were not unique predictors of debt. Students reporting greater debt reported greater stress and decreased financial w
he above metrics of financial literacy (measured at the date of the original accounting error). Restating and non-restating companies durin
uestionnaires
h foundation, the current research is one of the first reported attempts to include children and adults in the same study to determine if th
course, and explain how to use reclaimed class time to promote economic literacy. © 2005 Economics Network, University of Bristol.
nt types of financial education programmes currently being offered in OECD countries. Finally, this book evaluates the effectiveness of fina
overnment Programs; Humans; Poverty; State Government; United States
well as a short review of the current evidence of the effectiveness of financial education programs. We advocate for the adoption of a com
upportive of their company. Implications of these results for nonwork settings and for consumers in general have also been developed. Co
n is the amount of personal saving by households in the United States. Starting with the third quarter of 2000, the personal saving rate me
environment of courts; and outmoded attitudes to the use of modern communication aids. Several ways of improving expert accounting e
ems from the test for the younger group, yet leaving room for more difficult items. In addition, the test for the upper secondary students i
ted on debt advice and social credit initiatives, whereas general financial education programmes only exist in some of the member states o
tly higher than those in states with either a general mandate or with no mandate. Copyright 2001 by The American Council on Consumer I
ed systems of payment. Adults with limited skills in financial literacy are ill-prepared to exercise such functions of citizenship in a risk socie
unty of residence, and tuition of vocational/two-year colleges in the student's home state.
in K-12 classrooms. To determine their attitudes toward and knowledge of economics education, a pretest and post-test format was adop
hnology at the University of Bristol. A key element of the research was the case studies of ITATL undertaken in six HE institutions. This arti
lures, inflation, and scarcity of resources. © 1997 Taylor & Francis Group, LLC.
d is found. Thus, the hypothesis put forth in this paper, that investors self-select into different distribution channels based on their overall l
Funding for the project has been provided by Nat West and each year projects have had to submit a bid for funding to cover a
banks to promote themselves to chosen audiences; and, second, as publications which played an important part in informing debate and p
ation and training should be seen more as part of the financial management control system of the organization than as a self development
onomic Society.
education at the Institute of Education, London University, England. They thank professors W. B. Walstad, K. G. Lumsden, V. Kr
Paul W. Grimes is an associate professor of economics at Mississippi State University, and Charles A. Register is an assistant pr
Kun J. Beron is an assistant professor of economics at the University of Texas at Dallas. The author appreciates the comments
Funding Text 2
in collecting the data, the three reviewers for their valuable comments on an earlier version of this paper, and Enago (www.enago.com) fo
ee domains of knowledge: financial skill, self-efficacy, and explicit knowledge. Using data from a national survey, we apply the methods of
ore financially knowledgeable people more likely to hold stocks? Our results indicate that financial literacy affects decision making. Those w
tal traits, while the FBI is not. We conclude that not only the sociodemographic and socioeconomic conditions of individuals but also certa
eagasc (Ireland) Walsh Fellowship (Project: Rural household vulnerability and the restructuring of the rural economy). We also thank the re
oland, grant number 0057/DLG/2016/10. The APC was funded by the University of Economics and Innovation, Lublin, Poland.
ors; Professional Competence; Psychometrics; Reproducibility of Results; Surveys and Questionnaires; United States
This study was funded by Center for Research on Education and Higher Education of the Johannes Gutenberg University of Ma
models that facilitate the exchange, flow and co-creation of knowledge between HEIs, businesses and communities. This article identifies
unity Service, Directorate General of Research and Development at the Ministry of Research, Technology, and Higher Educatin in providing
the anchor effect predominates. Our results confirm that participants, as consumers of financial services, apply heuristics as groundwork
evels, paying credit card balances in full each month, being in arrears) as well as relevant psychological characteristics (e.g., personal saving
within our research framework about financial literacy (project “Cognitive factors and design features that affect understanding of online i
Open Access
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karta which has provided the fund for this research.

Council of Domestic and Family Violence Services, Western Australia) in developing the Economic Empowerment curriculum as well as the
rowth of digital finance in India. Despite high growth of digital transaction, digital payment among the women, rural people, elderly peopl
us referees for their comments on an earlier version of this paper, and to Christian Traxler and Joachim Winter, as well as participants of a
abuse, the field has begun to provide financial empowerment programming. Financial empowerment addresses “an individual’s knowledg
ty, Department of Political Science. The author would like to thank Stephen McBride, Ali R?za G?ngen, Elif Kara?imen and two anonymous
Centre, New Delhi through a grant which made the primary survey reported in the article possible. They are also indebted to an anonymou
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The complicated financial market, in the background of a revised social welfare system and prominent rural-urban disparity (s
ke Elliott, Frank Hodge, Robin Lumsdaine, Anne Magro, Roger Martin, Kathy Rupar, Hun-Tong Tan, seminar participants at Nanyang Techno
, include information on the financial literacy and background characteristics of 2,516 primary school children. We excluded 195 children
use to proxy for how individuals use the internet. Copyright 2019 by The American Council on Consumer Interests
ge for credit. Three lab studies assess how consumers facing financial burden value their own assets. We find that, due to cognitive constra
could affect payday borrowing through increased financial literacy and improved financial planning practices. These findings suggest that
ositively influence risk-taking through the mediation of SFK, which implies that OFK and FKNI serve as complements to each other in risk-t
h (NIMH) under Award Number R01MH116768 (MPIs: Fred Ssewamala, PhD; Susan Witte, PhD). The content is solely the responsibility of t
Research (HKIEd 7001-SPPR-11).
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mer protection (FCP) in the access–development nexus. Design/methodology/approach – The study is based on cross-country data on 102
Factors; Surveys and Questionnaires; United Kingdom
loyment program in Los Angeles. Operated by a nonprofit organization serving older Asians and Pacific Islanders and funded by the U.S. D
uren Reiter and Bronson Ford.
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ork in a limited manner during school, and a spouse or partner may also be able to provide financial support. Many universities allow for s
th gap via financial literacy education. Copyright 2018 by The American Council on Consumer Interests
cquirable, the findings suggest that entrepreneurial activities might be increased by enhancing financial literacy. Copyright 2018 by The Am
Entrep. Sustain. Issues

601039 ) and Graduate Student Innovation Funding of SUFE (Grant No. CXJJ-2017-404 ).
A) Survey. We acknowledge that the HILDA Project was initiated and is funded by the Australian Government Department of Social Servic
onetary Studies, CEMLA. Ignacio Garrón (igarron@bcb.gob.bo) is Senior Financial Analyst at the Central Bank of Bolivia. Jonathan Barboza
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tion Trust Fund, the Central Bank of Turkey and the Capital Markets Board of Turkey. The data was collected as a part of the Financial Cap
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olicies will help to reach out but the ultimate goal of financial inclusion could be only achieved through improving awareness and financia
y the President and Fellows of Harvard College and the Massachusetts Institute of Technology.
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cil on Financial Literacy as “… the ability to use knowledge and skills to manage financial resources effectively for a lifetime of financial wel
Research and Technology and Higher Education of Republic of Indonesia. under the research grant of Year 2016.
aining through the International Postgraduate Research Scholarship (IPRS) grant programme to Rui Xue. The survey used in this research w
nancial literacy quintile, propensity for financial planning score and demographic groups. For each variable, a Pearson Chi-square test is pe
male; medical education; orthopedics; questionnaire; Adult; Female; Financial Management; Humans; Income; Internship and Residency;
gram. We also thank Esther Mata-Pérez, Haihan Yu, and Vita Zhukova for their valuable research assistance. Financial support from Ministe
nsights (FII) survey. The FII survey is operated by the global research group InterMedia and sponsored by the financial services for the poo
t High Financial Literacy Financial Literacy Index Pension No Coverage DC only DB only Both (DC only and DB only) Sociodemographic Age
ant No. 71802166 ).
he inaugural Molly Budtz-Olson 3 year PhD fellowship.

We asked preservice teachers to evaluate five examples of promising financial literacy curricula from the United States: Financ
Article
917, R01AG34374 and R01AG33678 and K01AG050823).
ty of Economics and Innovation in Lublin. Wiktor Cwynar (wiktor.cwynar@wsei.lublin.pl) is an Assistant Professor at the University of Econ
emic change and educate worker groups and communities. Principles of financial counselling include providing “advocacy impartially” to t
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at women are better able to meet their practical gender needs; however, they are not empowered unless they are also able to meet their
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Actual financial knowledge → Financial attitude Actual financial knowledge → Perceived financial knowledge Financial attitude
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g at the McCombs School of Business at the University of Texas, 2110 Speedway, Austin TX, 78705. John G. Lynch Jr. (john.g.lynch@colora
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ncial illiteracy with financial innovation across a range of saving/investment goals. © 2019, © 2019, CFA Institute.
ness Marketing Camp, attendees of the 2016 Boulder Summer Conference on Consumer Financial Decision Making, and the marketing fac
the Korean Government (NRF-2017S1A6A3A02079749).
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he Financial Industry Regulatory Authority Investor Education Foundation (FINRA IEF) in the U.S. The NFCS was an online survey of over 25
R01 DA036514, to Drs. Nabila El-Bassel and Susan Witte (Multiple PIs). The funders had no involvement in the design of the study or in co
urity Commission and Malaysian Financial Planning Council for funding this study.
ded by the National Institute on Aging (2R01 AG030153). We thank our discussant, Silvia Barcellos, conference participants, one anonymou
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This study was funded by the Dr Edward (Tiffy) King scholarship and the University of the Free State Research Committee. The
Eberhard Karls University of Tübingen, Germany Michelle Rudeloff, Eberhard Karls University of Tübingen, Melanchthonstr. 30, 72074 Tüb
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SP/812149) from the Universiti Sains Malaysia.

ducation (17YJA790080).
General of Strengthening Research and Development, Ministry of Research, Technology, and Higher Education of the Republic of Indonesi
Article in Press
nd Higher Education grant [contract no. 0057/DLG/2016/10 under the program 'Dialogue' (within project entitled 'Debt Watch')].
k Foundation) Leader Expert Program.
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editor) for their constructive comments. We would like to thank Tabea Bucher-Koenen, Gabriel Fagan, Luigi Guiso, Arthur Kennickell, Anna
. We would like to thank the Minister Education of Malaysia for the financial support.
s participants at the 21st Annual Conference of the Swiss Society for Financial Market Research (SGF 2018), the 80 th Annual Meeting of th
gh objective and subjective literacy. Subjective literacy had substantial effects on delinquency both for high- and low-objective literacy lev
h to these concerns and developed and implemented an incentivized student savings account program. The savings program encourages st
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ons, and conclusions expressed in this report are entirely those of the authors. They do not necessarily represent the views of the Internati
acy Promotion Programme” to cultivate financial literacy for elementary school students. Since 2011, FE has been mandated to include int
agency informational outreach and interventions. © 2019 US Social Security Administration.

f organizations that sponsored the Gallup survey, comments that economic illiteracy is rampant. It has the potential to misshape public o
owth of Kazan Federal University.
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egistered in the AEA RCT Registry and the unique identifying number is AEARCTR-0003478. We are grateful to Els Lagrou, Lieve Lammens,
barriers, ranging from the improvement of the overall financial framework to the development of financial literacy strategies and the enha
ukkiat, and Phitawat Poonpolkul for constructive comments on earlier drafts. This study is funded by the Australian Government
regarding the improvement of the paper. The research instrument used in this study has been partially developed in the scientific project “
avior. Journal of Education and Practice, 6(33), 99–105. Retrieved from http://www.eric.ed.gov/contentdelivery/servlet/ERICServlet?accn
001-6829-2909 Happ Roland Johannes Gutenberg University Mainz (JGU), Germany Manuel Förster, School of Education, Technical Unive
In 2010 and 2015 GfK, conducted a research based on OECD methodology and questionnaires, commissio
mer’s Disease Center; Departments of †Pathology (Neuropathology); ‡Neurological Sciences; ∥Behavioral Sciences, Rush University Medic
J. Ext.
ted-response items, Ahmed Khatib for formatting and Rosa Brown for proofreading.
Voluntary Occupational pension schemes available – fully funded Fully or partly funded by employer Tax benefits apply
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ship, and/or publication of this article: This study was supported in part by Money Wise Platform (In Dutch: Wijzer in geldzaken).
Open Access
tors Ayanna Thomas, cognitive psychology professor at Tufts University, and Jill McDonough, poet and director of the creative writing prog
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ge Drive, Mochtar Riady Building, Singapore, 119245. Email: ilies@nus.edu.sg In this paper we make use of data of the LISS (Longitudinal In
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e general directorate of labor under the Ministry of Labour and Vocational Training ( MOLVT) is responsible for managing labor migration
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rol benefit more from obtaining PFA than those with higher levels of self-control. We use a German household panel dataset SAVE, which
ding this reaserch and publication.

Open Access
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igure 1) is active around the globe, these teams consist of employees with multi-ethnic, multinational and multilingual backgrounds who s
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eople (Lusardi, 2015). There are numerous definitions of financial literacy. The National Financial Educators Council (2018) defines financia
Article
Funding Yue Qian received funding support from the Department of Sociology at the University of British Columbia.
d to early-stage entrepreneurs. They attended the financial education course as part of a training module for starting their own business, f
Project (DP110101027).
Article
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's Center Special Project Fund, the Johns Hopkins Primary Care Consortium, and the Johns Hopkins Urban Health Institute.
search project: “Empirical Study on the Promotion of Home Currency in Cambodia.” We are grateful to Mariko Watanabe, who gave helpf
assumptions. First, we have presumed that the financial illiteracy problem is limited to retail investors-individuals (as opposed to institutio
Foundation for Basic Research (project no. 17-32-01100-OGN).

appreciated. I am indebted to Prof. Paolo Coccorese for computing and providing me with the Lerner indices of Kenyan banks and to Prof
industries, entrepreneurs should prepare their businesses very well including their financial aspect. In Indonesia, funding as the problem o
/628/3/12) is gratefully acknowledged.
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8 Post-doctoral Grant of China .

riority. In this regard, the International Network on Financial Education (INFE), created by the OECD in 2008, developed guidelines for fina
mber 71673007 and grant number 71403010] . All errors are our own.
We began by identifying a broad range of economics materials designed for use in K-12 settings in U.S
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This article will recommend five different curricula that show promise for educating students with disabilities. While there are
ship, and/or publication of this article: This research has been supported by the Centre for International Finance and Regulation – project
that translate into new financial mechanisms. This book strives help readers better understand the dynamic of the changes in financial sys
Article
ynamics in Australia (HILDA) Survey. Funding for this survey is by the Australian Government through the Commonwealth Department of F
very Project grant number DP120103846 , and the Brotherhood of St Laurence project number BROSTLCA13 .
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elgium and a grant from the TiSEM Alumni Fund. The paper reflects the own opinion of the authors. Research was carried out while Geert
The authors are grateful to the online brokerage house for providing the data and to the European Savings Institute (Observat
for his support. For comments, we thank Shawn Cole, Bilal Zia, William Jack, Sigfried Zottel, Toby Linden, and numerous conference and se
n be preventative through implemental videos, not just reactive ex post with litigation. Online videos that incorporate implemental instruc
nnett), R21AG30765 (David A. Bennett), R01AG34374 (Patricia A. Boyle), and R01AG33678 (Patricia A. Boyle).
A research fellow. Ian K. McDonough is an assistant professor of economics at the University of Nevada, Las Vegas. Thomas B. Fomby is a p
hiari bank consortium. We gratefully acknowledge the support of the consortium. We are also very grateful to the Editor and two anonym
; Financial Statements; Humans; Longitudinal Studies; Male; Middle Aged; Nurses; Retirement; Sex Factors; Spain; Surveys and Questionn
RAGS 5/3 (55/2015)]. The authors are grateful to the Institute of Research Management (IRMI) of UiTM which provided support for fundin
n financial literacy through university-based financial education programs is one method of addressing personal finances and financial stre
27174891
ry of Science and Technology (MOST) (Project number: MOST-106-2410-H-230-002-).
ing related information but do not want to adopt the technology. There are various challenges for financial literacy in India discussed in th
sk management. Initiatives aiming to help DC members understand income stream products at the time of the decision are warranted. ©
on initiatives for the development of the society at large. Featuring coverage on a broad range of topics such as consumer awareness, fina
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product and service delivery in rural markets will be reviewed, and the primary focus will be on challenges with respect to marketing and
and students, but authorities who aim to improve financial literacy (and subsequently financial capability) among individuals and for those
authors thank Kristina Cordi for her research assistance.

cial literacy programs. This paper makes recommendations for post-secondary institutions, practitioners, and policymakers to promote Lati
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e, Toulouse, France. I thank Stefan Nagel (Editor) and an anonymous referee for very detailed and constructive comments as well as Bruno
Janina I Steinert is grateful for doctoral funding provided by the Eonomic and Social Research Council (award number: ES/J500
literatura relacionada con el financiamiento del ciclo de vida; la sección II presenta las variables usadas para el análisis y su des-cripción en
Iliff School of Theology received a grant (#2013 0623–000) from the Lilly Endowment to fund research on student debt reporte
All rights reserved.
This trial was approved by Columbia University’s Institutional Review Board (IRB), and by the Ethics Committee of the Kazakhs
Article
bility Study.
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ersity for giving full Sponsorship to this research work.
umption that reform is the most practical means to improve human well-being. © The Editor(s) (if applicable) and The Author(s) 2018.
NEUDC and the NOVA School of Business and Economics for useful comments and discussions. We are also grateful to Aflatoun, Netherlan
nt of Health and Human Services, Administration for Children and Families. The authors would like to thank Linda Lux and Mark Howell for
port from the Malaysian Technical University and Islam Batik Surakarta University in Indonesia.
n of scarce financial resource, records keeping, use of idle funds, financial discipline and control and sourcing for funding for viable growth
national Network on Financial Education (INFE) on women and financial literacy gave possible explanation for gender differences in financi
married and have 3 financial dependents having self employment or salaried job living in rural areas tend to have high level of financial liter
his project under the VU Research Development Grant Scheme.
Open Access
English
We are grateful to the Dr Edward (Tiffy) King scholarship and the University of the Free State Research Committee for funding
by CMDF in funding this research. Special thanks also go to those who have directly or indirectly assisted us in the research process: Desm
Acknowledgement. The paper was written with the support of the specific project 6/2018 grant “Determinants of cognitive pr
timated in the framework of The Organisation for Economic Co-operation and Development «International Network on Financial Educatio
Acknowledgement. This study is supported by internal research project No. 2103 Investment evaluation within concept Indust
) defines financial literacy as, “. . . the ability to use knowledge and skills to manage financial resources effectively for a lifetime of financia
ponse to crisis and EcoNomic GrowTH in Western Balkan countrieS” (STRENGTHS).

conomic and social aspects of the information asymmetry in the insurance market supported by the Ministry of Education, Science, Resea
A.B., B.D.J.), and R01AG033678 (P.A.B., B.D.J.).
sé, the College of Business at San José State University, Silicon Valley Community Foundation, and Wells Fargo. Xiaoyan wants to thank Kat
Funding: This research was supported by the project 'Enhancement of Financial Literacy and Development of Financial Educati
ersonal; Humans; Internship and Residency; Radiology; United States

completed interviews: one male and one female resident from the first and third years of training in the specialties of emergency medicine
ch at the intersection of behavioural economics and decision support systems. Based on the generated insights of the experiment, it is int
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de, Lisboa, http://docentes.fe.unl.pt/~memata/; memata@fe.unl.pt; José Rodrigues da Costa, MBA Invited Professor Instituto Superior de
Survey, the Financial Industry Regulation Authority’s Investor Knowledge Quiz, the HRS module on financial literacy and planning, the Sur
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liance of clients, especially repeat borrowers, on sources of income other than wages and salaries, particularly social assistance, public reti
ool of Public Affairs. We gratefully acknowledge comments by Yeheskel “Zeke” Hasenfeld.
us opportunities for exploring ideas central to local as well as global environmental issues. Economic literacy is arguably a key requirement
arch project. Moreover, we thank James LeBreton for his methodological advice regarding the aggregation of observer ratings. This researc
alhousie Research Development Grant, Dalhousie University, 2012/1-2013/3. Other disclosures: None. Ethical approval: Ethics approval fro
Open Access
Open Access
f-employment, and to generate additional jobs in micro and small enterprises. Under the umbrella of Skill India, the Pradhan Mantri Kaush
Article
ngaging. The program development and implementation processes may serve as models for other Extension programs, and the curriculum
Union within the framework of EU-Moldova Mobility Partnership agreement signed in 2008. In 2011/12, the amount allocated in the form
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Affairs, the Vancity Credit Union, the Public Guardian and Trustee of British Columbia, the First Nations Technology Council, and the Abori
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s of the teacher; (c) it is desirable to lead gifted students to deeper understanding through analysis, problem solving and creativity. © The
ship, and/or publication of this article: This project was supported by a National University of Singapore (NUS) faculty research Grant (R-10
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the context of humanitarian crises; and why civil society organizations in sub-Saharan Africa matter in evaluating poverty interventions. T
ncial well-being and stress. These students also reported having to reduce their semester course load and/or stopping out for a semester i
Article
Open Access
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The mission of the FINRA Foundation is to provide underserved Americans with the knowledge, skills, and tools necessary for
may compare our results with those from another study that was focused on TAM and on designing game elements and characteristic in s
ts and suggestions helped us to substantially improve the paper; Giovanna Paladino and Paola Laiolo of the Museo del Risparmio of Turin f
Article
ns to begin foreclosure proceedings (Bradford, 2011; Crotty, 2009). This research focuses on the background to the problem, the underser
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uthors discovered the utilisation of the computer algebra system Maple to be beneficial. Maple enables the user to create interactive "sm
S-1155924 and -1558230. The funders had no role in study design, data collection and analysis, decision to publish, or preparation of the m
tion of financial literacy education as a viable solution to consumer financial exclusion and poverty. Instead, it argues that the project on fi
Article
mportant because financial literacy has been linked to economic behavior, including retirement planning and wealth accumulation. Wome
ith low FICO scores. My results suggest that face-to-face interaction between the mortgage broker and borrower may reduce problems as
roblems in its operation. The National Agency for Financial Investigations (NAFI) conducted a public opinion poll in 2016 having showed (T
ss came from factors such as diversified product offering (which ranges from savings, credit, payment services, remittances, insurance, fina
rban area; Zambia; behavior; diet; nutritional status; program evaluation; questionnaire; reproductive health; rural population; Zambia; Ad
Article
f Life; Retirement
would also like to thank CentERdata, Institute for data collection and research for the data provision and support. The author(s) disclosed
; socioeconomics; standards; young adult; Adolescent; Adult; Foster Home Care; Human Development; Humans; Independent Living; Men
Aging Neuropsychol. Cogn.

P110101027). The views expressed are those of the author. The project acknowledges the generous participation of the project schools.
n, and the European Regional Development Fund and by grant Ref. S-14/2 of the Government of Aragon. The research team is grateful to t
dical settings that suggest individuals may refrain from seeking advice when objectively, it is in their best interests to do so. This anxiety ma
nions expressed are those of the author. Financial support from the Research University Grant of Universiti Sains Malaysia (1001/PSOSIAL/
tre and the Fisheries Research and Development Corporation (2013-748.20) for providing funding towards this research. The authors wou
International.
Dev. South. Afr.

de 200 encuestas. Para este último paso, se solicitó la autorización de los docentes de distintas carreras de la Facultad de Ingeniería, Cienci
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Survey (CFCS), European Commission (2015) and European Parliamentary Research Service (2015) have shown that the level of financial lit
institutional framing structures the way poor households think about financial choices and alternative courses of actions that they might u
lected from 35 teachers in 16 Victorian primary schools. The findings suggest a need to educate teachers to: reflect upon the knowledge, s
d and utilize of financial concepts. U.S. Financial Literacy and Education Commission (2007) defined financial literacy as "the ability to use
gests that the direct impact of the family context on financial literacy attainment still holds once the mediating effect of students' attitudes
016/9), the Internal Grant Agency of University of Economics, Prague (Project IGS VŠE No. F1/31/2015) and it is part of a project of Faculty
aspects of the information asymmetry in the insurance market’ supported by the Ministry of Education, Science, Research and Sport of the
ss knowledgeable, and they hold more equity in their pension accounts. We examine changes in employee plan behavior 1 year after empl
Data analyzed in the current research was received from participants of the annual financial competition organized by the Uni
ead of the competition by anticipating customer requirements for secure, efficient, and seamless service. © 2016 Wiley Periodicals, Inc. ©
wledged. I thank reviewers for their valuable comments and suggestions that have been very helpful to improve the paper.
ging and by the Bing Center for Health Economics at the RAND Corporation.
mmittee, serves as editor of BRASS Notes, and is a former member-at-large for the BRASS Executive Committee. Elizabeth was awarded th
s of individual household in India”, International Journal of Research in Commerce and Management, Vol. 3 No. 5, pp. 115-120. Financial L
dation for financial support, and the anonymous referees for helpful comments.
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Open Access
hic groups and the role library programming may play in the movement to come. © 2016 American Library Association. All rights reserved
of Education (MOE), Malaysia via FRGS for this study.
chwartz, Dan Amiram, Shmuel Hauser, Haim K. Levy, Eti Einhorn, Ramy Yosef, Yaron Levy, Guy Beit-Or, Nir Livneh, and workshop participa
planatory power for the surrender rate. The extent to which this finding holds depends on the single premium paid, which we consider a p
o be higher among students with a general predisposition to anxiety and inversely related to viewing student debt as a form of educationa
evalence of repayment difficulties. Received July 9, 2014; accepted December 5, 2015 by Editor Stefan Nagel. © 2016 The Author 2016. P
mathematics. The students learned how to differentiate between learning and unpacking mathematics for other audiences. In this chapte
e way. To address the needs of their students, the college decided to target the student population of first-time enrolled college students
stitution underwent an impressive transformation in just 3 years, during which time MCC decreased the CDR by 8 percentage points thro
nline Journal of Educational Technology.
tudes, Practice; Health Status; Humans; Male; Middle Aged; Patient Participation; Young Adult
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unding scheme ( DP110103808 ).
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1AG033678, and K23AG040625, the American Federation for Aging Research, and the Illinois Department of Public Health. The authors hav
; Socioeconomic Factors; Stress, Psychological; Surveys and Questionnaires; United States
show ways of measuring and fostering financial literacy and to give hints towards necessary and successful teacher trainings. The book al
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rocess that starts at an early age and is pursued throughout adulthood. The contributions in this book came from a symposium titled, Prom
ormal education. It gives you a sample of approaches and experiences in the financial literacy arena. Divided into three parts, the book co
ce—Christian, public, or home school. This finding implies that students enter college with similar financial literacy levels, and senior stude
Great Recession. © 2016 Taylor & Francis Group, LLC.
hin and across topics. Although we are unable to identify a causal relationship, the results from the probit analysis show that both actual a
e all taken a keen interest in this important area. © The Editor(s) (if applicable) and the Author(s) 2016.
nstitute of Criminology (AIC), 2012). The NASD Investor Education Foundation (now FINRA Investor Education Foundation), concluded tha
areness of finan-cial illiteracy and its impact on our economy. One response has been increased academic research focusing on financial lit
ior. The findings indicate that the activities of searching for financial information and monitoring household expenses are positively correla
l behaviour. © The Editor(s) (if applicable) and the Author(s) 2016.
decision-making, and how to improve financial capacity through financial literacy and education campaigns, including those addressing dev
Our controls for students’ preexisting financial knowledge are represented by the variables CLICKERS and Financial Industry Re
financial services sector, with the objective of better protecting the consumer from deceptive marketing practices and reducing household
nt regulation; household; human; information processing; manager; market; model; neuroscience; prediction; randomized controlled trial
decision maker’s degree of financial literacy. It was found that the agent’s recommendation had a decisive effect which was not offset by fa
ble) and the Author(s) 2016.
el of participant-directed investing. We show that less knowledgeable participants allocate too little money to equity, engage in naive dive
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3.7 credit cards as of 2009 (Foster et al., 2011). The average US household owes $7128 on their credit cards as of October 2013 (www.ner
the book features recommendations by leading economic educators on how economics can play a greater role in teachers’ professional de
ork on course development. The monies awarded through this program were invaluable to the project. (Louisiana Board of Regents Suppo
ed formal identity between literature and economics meant that literature was the forum best fitted to advocate and enact economic ref
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ws that mutual funds have failed to offer advantages of diversification and professionalism to the investors and hence could not fulfil their
ngs in many countries and lasted for several years. It is one of the works I have enjoyed the most. I hope the findings from PISA will be a ca
ility) and to evaluate the relative performance of funds (assessability). However, the incremental benefits of placement are only found for
d a disclosure statement, did examine the alternatives closely and rejected the advice when the recommendation was damaging. We also
mittees." --George K. Gill, Chairman and CEO of PetAg, Inc.; Director and member of the Investment and Audit Committees of the United M
ietal impact (what students think about the results of government policies and actions of private firms regarding money), and financial aw
eracy capabilities. In this article, we first outline the development of the concept of numeracy internationally. Second, research on numera
8, offering stimulating questions for discussion, and ideas for classroom activities, ACritically Compassionate Approach to Financial Literacy
dependent coding analysis and VINNOVA for funding this research.
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of individuals of varying market segments. © 2015, Institutional Investor, Inc. All rights reserved.
y fieldwork, the “Gleichstellungsfonds” of the University of Munich for financial support, and Johanna Sophie Quis for excellent research a
reavement; Economics; Female; Humans; Interview, Psychological; Longitudinal Studies; Social Adjustment; Widowhood
ublic Policy Research (HKIEd 7001-SPPR-11).
t, I will first make use of the data from the U.S. National Financial Capability Study (NFCS), which incorporates the questions that were orig
toward financial Well-Being whereby financial capability become a major contributing factor to the financial Well-Being. By understandin
rround them. This article discusses how a well-planned program of learning activities and experiences at the preschool level can help build
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ice nonprofessional investors' financial literacy and their trust in financial markets. Our findings should be of interest to policy makers and
k the participants of the IIMA-Citi Financial Literacy Symposium, New Delhi (2012), participants of the workshop on Design of Products and
titution to bring financial literacy to the campus using Money Smart Week (MSW), a national program sponsored by the Federal Reserve B
x U.S. and global financial system” (Financial Literacy and Education Commission, 2011, p. 2) and “the ability to use knowledge and skills to
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pected 50 bps on average. All group differences stem from the top of the loss distribution. © 2015 the American Finance Association.
aracterizing the optimal contribution rate to mandatory complementary pension plans. We also introduce endogenous financial literacy an
es for the role of teachers are discussed. In conclusion, a number of suggestions for future research are formulated that are necessary in o
both control groups and the SML-intensive groups, even on questions that were not taught in our curriculum. We conclude that an FFFL-in
linquencies, though at a cost of mischaracterizing some safe loans. © 2015 the American inance Association.
to the microfoundations of modern macroeconomic models. © (2015) by the Economics Department of the University of Pennsylvania an
Division of the Association for Education in Journalism and Mass Communication.
equirements. Despite these policy reforms, other challenges remain, such as gender inequality, excessive superannuation fees, low financi
on the topics of financial literacy and basic real estate transactions. These issues can be covered in one class session and requires one hou
n on the topics of financial literacy and basic real estate transactions. These issues can be covered in one class session and requires one ho
p enhance the financial readiness of the troops. Since 2006, the FINRA Investor Education Foundation has sponsored the Military Spouse F
All Rights Reserved.
eports. Each report category is discussed in light of the attributes of disclosed information, recent regulations, reporting trends and practi
ive financial advice is not known at the aggregate level. Due to this lack of data, past studies have relied on survey based information to ga
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Child Relations; Parents; Risk; Safety; Socioeconomic Factors; Trust; Workplace
lifying training programs might improve their effectiveness for less sophisticated individuals.
by the first author and manuscript preparation and partial field work were done by the second author. The study presented here is part of
olescent Health in the Department of Health and Human Services .
ws that mutual funds have failed to offer advantages of diversification and professionalism to the investors and hence could not fulfil their
suggestions have improved the paper significantly; in addition, we are grateful for the critical comments that we have received along the w
ics Research Group at the World Bank; his email address is dmckenzie@worldbank.org. John Gibson is professor of Economics at the Waik
oldings. Financial literacy moderates the effect of conscientiousness on net worth. These findings suggest that conscientiousness and finan
h grant. We are thankful to John Gibson and Bruce Cortesi for suggestions on research design, and to participants at a University of Waika
wice in Russia (2008, 2009), and once in Azerbaijan (2009), Bulgaria (2010), Romania (2010), Bosnia and Herzegovina (2011), and the West
erial must evolve from below, such that lives of the common people are organically a part of it. This paper also hints that the campaign m
ly read and used by teachers, school administrators, and other individuals seeking to improve economic and personal finance education fo
h the existing deficiencies and thus define education according to these deficiencies. It is expected that this work will contribute to an incr
other factors such as getting advice from financial professionals, receiving financial education, and living in a zip code with greater emplo
This study adds to the growing literature that highlights how a number of knowledge-and behavior-rel
f Social Issues.
lian Research Council Linkage Grant— LP0991752, and research partners GESB and the Western Australian Police.
rch Council [grant number ARC DP120101473].
nference participants at the 2010 Southern Finance Association, the 2011 Multinational Finance Society, the 2011 Financial Management A
and core competencies are discussed. © 2014 Taylor & Francis Group, LLC.
increase the students' knowledge in Finance and Economics regardless of their gender and ethnicity.
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any workers choose not to contribute to the plan because they have other financial priorities. However, some nonparticipants lack the fin
cation, but now it'd be necessary to ensure the efficiency and usefulness of those programmes. The first objective of this chapter is to pres
ship, and/or publication of this article: Funding support provided by a Michigan Applied Public Policy Research Grant.
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esearch assistants. The first author also thanks the National Center for Institutional Diversity at the University of Michigan for the fellowsh
e financial literacy education. © 2013 Extension Journal Inc.
We would like to thank the referees of Asian Journal of Political Science for their suggestions.
Article
, Bilal Zia, and seminar participants at the ISNIE 2011 at Stanford University, the CEPR/Study Center Gerzensee 2011 European Summer Sy
n analysis of the finance-related hyperlinks contained on a sample of public library websites. We discuss the implications of our findings fo
nd family relationships. © 2013 Extension Journal Inc.

npat University, India. She is empanelled as a resource person by SEBI to develop financial literacy in the western region of India. She is a c
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literacy amongst Israeli children. Religious students displayed higher financial literacy in comparison to secular students, and students of h
Article
helpful support. Thomas Lueg (GDV), Heinz-Josef Nüssgens (BMAS), and Stefan Sieren (BaFin) provided many useful explanations and clarifi
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ment Fund Pioneer Projects; intergenerational poverty transmission; matched savings; mentorship programme; personal development pla
stent measures of financial knowledge and effective predictors of future changes in wealth. We find that respondents frequently do not co
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The financial literacy training delivered at HM Prison Liverpool was a project that was funded through the Basic Skills Agency fi
erscore the need to support programmes that aim to increase the education level of women and girls, make parents aware of the effects p
efit from financial education. She recommends segmenting the caregiver population and targeting subgroups with appropriate methods a
esearch university in a midwestern state (UMW hereafter). A team of interdisciplinary researchers across two institutions created a 43-ite
rkets, and low and unstable incomes. This is influenced by their lack of knowledge and skills in business management. It is believed that fin
cle tasks, financial concepts, and appropriate teaching techniques to meet learner needs. © by Extension Journal, Inc.
anese students perform better mostly in terms of their greater knowledge of terminology and definitions, rather than better comprehensio
ainst Abuse Program. Points of view in this document are those of the authors and do not necessarily represent the official position or poli
ancial Crimes Unit, Toronto Police Service.
ng to support this project.

nts. Any errors are mine. Financial support from CeRP and Regione Piemonte (Bando Scienze Umane e Sociali 2008) is gratefully acknowled
r another asset, put into reserve and not allocated for financial return. Examples include bank savings accounts, money market funds, and
ding investing for a secure retirement. Studies have found that American investors repeatedly do not understand the most basic financial c
and Entrepreneurship in May 2013. Under the Russian Trust Fund for Financial Literacy and Education, the OECD International Network o
d regulative aspects of corporate financial markets. Readers are introduced to international developments concerning rules and regulation
me are less heavily represented among planners, while those expecting to rely mostly on defined-contribution plans or on savings or incom
commends feminist pedagogies to counter dominant and uncritical approaches to financial literacy in classrooms.
pedagogy, the first three sections of this article analyse the character of the civic responsibility, equality and political engagement promot
hington University in St. Louis. Jonathan S. Spader, PhD, is senior analyst, Abt Associates, Bethesda, MD. Yeong Hun Yeo, PhD, MSW, is ass
elpful comments and Finansinspektionen for providing the data. Johan Almenberg thanks Sveriges Riksbank for financial support.
to the parents in the Plazas Comunitarias program. Muchas gracias a Amabilia Valenzuela and Vanora Dávila for help with data collection.
do not possess enough basic financial knowledge to confidently make optimal choices. © 2011 Western Economic Association Internation
opment Research, Goregaon (E), Mumbai-400065, India. Email: sarthak.igidr@gmail.com; aashish.igidr@gmail.com The authors acknowle
n the first place, rather than simply confirming relationships between these answers and other financially relevant outcomes post hoc. Wi
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d, this study investigates financial illiteracy among university students, a section of the South African population that could be classified as
europsychological Tests; Sex Factors
78, and YouGov for incorporating questions into their household survey and making the data available for the purposes of this research pr
brarianship. This is particularly true for academic librarians, whose teaching role has evolved as an ever-greater component (Norelli, 2010
Martin, Lisa Franzen-Castle, Kristen Wiig Dammann, and Urvashi Pokhriyal for their assistance with this project. Additionally, we thank Joh
ed; Multivariate Analysis; Power (Psychology); Spouse Abuse; Survivors; United States; Young Adult
res civic competences in order to establish political pressure. Civic power of judgement without core financial and general economic exper
e education to a consumerist training of entrepreneurial consumer-citizens who can continually invest in themselves and the market. Thro
ty of Information Management, University of Hradec Králové under Project No. 8/2011 “Applications for support of financial literacy”.
ty of Information Management, University of Hradec .UiORYp, project No. 8/2011 ³Applications for support of financial literacy´
of Minnesota. She has authored over 160 refereed research articles, book chapters, and outreach publications emphasizing the intersectio
y in the 21. st century. Late employment careers and patterns of financial literacy are studied in this article using the premier U.S. longitudi
after the intervention. © 2011 the American Finance Association.
ke de Boer and Caroline Timmermans.
graphic characteristics of U.S. families. The study is sponsored by the U.S. Federal Reserve Board in cooperation with the U.S. Department
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8, 2010; date of current version May 04, 2011. This work was supported by grants from the Office of Research, Old Dominion University. T
the EconChallenge competition. The EconChallenge is designed as an online companion to the National Economics Challenge sponsored by
e. © 2011 John Wiley & Sons, Ltd.
imes@msstate.edu). Meghan J. Millea is an associate professor of economics at Mississippi State University (e-mail: mmillea @cobilan.ms
ess students and that business students' familiarity with retirement plans and personal level of readiness to make retirement planning dec
nd, it will highlight some problems that specifically relate to the role of advice. Third, it will address issues arising from the choice of adequ
ducate teachers to teach about this content, and that a pedagogical shift is needed to affect meaningful change. They call for revisions of tr
ended to motivate students to seek college education in general and business education and entrepreneurship in particular. The outreach
ome and lowest achievement on the topic of Saving. Results by cognitive levels demonstrate that both Belarusian and Japanese students p
), and HESTA in the conduct of this research.
J. Econ. Educ.
Consumer Interests.
y The American Council on Consumer Interests.
nging life events and an increasingly complex economy. Copyright 2010 by The American Council on Consumer Interests.
ower financial literacy. Copyright 2010 by The American Council on Consumer Interests.
manage their income and expenses, avoid unnecessarily high debt and effectively manage existing debt. This paper presents existing resea
Gallery et al (2009), p 45. OECD (2005). The Australian government established the Financial Literacy Foundation (FLF) in 2005
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onsumer protection rights. Financial literacy can empower consumers to be better shoppers, allowing them to obtain goods and services a
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o understand student practices. Drawing on the voices of students, strategies for cost-minimisation will be explored. As mobile technologi
J. Community Pract.
points on average.
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uccessfully equips readers with the skills needed to make accurate and effective decisions in all aspects of personal finance ventures, inclu
se that bridges school-based knowledge of financial literacy with the youth culture of hip hop. The analysis presented here highlights the c
where rural women learn essential business and technical skills and financial literacy, and an environmental and social village-based initiati
mments and suggestions. This paper uses unit record data from the Household, Income and Labour Dynamics in Australia (HILDA) Survey. T
ty of nonstandard preferences. B. Douglas Bernheim and Antonio Rangel (2009) do consider both possibilities and acknowledge that mista
eforms toward understanding and managing systemic risk from a cash-flow perspective. © 2009 by Taylor & Francis Group, LLC.
s, this volume offers a number of chapters dealing with the use of books, motion pictures, professional sports and television cartoons to c
able to them. It has examined how the use of accounting tools and technologies shape the ways in which activities and processes come to
a simple solution to the data collection process that allows for these distinctions to be made.
in personal finance and money management have not proven to be effective in raising levels of financial literacy. © 2008 Springer Science
Springer Science+Business Media, LLC.
eated is of educated consumers handling their own credit, insurance, and retirement planning matters by confidently navigating the bounti
pension matters and resolving disputes and complaints about private pension arrangements is the Pensions Advisory Service (TPAS). TPAS
moderate-income individuals are interested in becoming technologically and financially literate and an intensive intervention may enable
tension CoPs released by extension for public use. Copyright © by Extension Journal, Inc.
ne Centre for Financial Studies. We wish to thank the ANZ Banking Corporation for their funding of the evaluation research that produced
arts written while Markus Glaser was visiting the Swedish Institute for Financial Research (SIFR) in Stockholm whose support is gratefully a
education and the economy, can be traced through the discourses of various policy documents. This paper sets out to explore whether the
er-sponsored pension plans were the most frequently used savings option. Based on the findings, we explore the potential impacts of the
nancial well-being. Copyright © by Extension Journal, Inc.
ng financial markets and assisting financial regulators to manage consumers expectations of protection. It raises questions about regulator
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y Russell Sage Foundation. All rights reserved.
r online delivery is equivalent in terms of student achievement to the traditional face-to-face delivery. The purpose of this paper is to dete
asters-level courses in micro and macroeconomics, or an equivalent requirement. They must also attend a weeklong training session spons
ater stress and decreased financial well being. Results highlight the need for comprehensive financial literacy education among college stu
ng and non-restating companies during the period 1997-2002 were matched on year, industry, and company size. Overall, our results are c
in the same study to determine if there is a shared understanding of economic exchanges. As such, the role of noneconomic factors as a p
cs Network, University of Bristol.

ok evaluates the effectiveness of financial education programmes and introduces the OECD Council Recommendation on Principals and Go
We advocate for the adoption of a comprehensive framework or approach to evaluation to assist those currently delivering, and planning t
general have also been developed. Copyright 2005 by The American Council on Consumer Interests.
of 2000, the personal saving rate measured in the National Income and Product Accounts dipped below zero, and many economists have
ways of improving expert accounting evidence are canvassed, including the provision of communications skills training for accountants and
st for the upper secondary students included the newly introduced domain of economic literacy. The quality of the test has been assured t
exist in some of the member states of the European Union, like for example in the UK and in the United States. This article raises the ques
The American Council on Consumer Interests.
unctions of citizenship in a risk society, yet little help is currently available to them. A programme of radical adult education, including acc
retest and post-test format was adopted. In addition, the institutional enhancers and inhibitors that dramatically affected the developmen
ertaken in six HE institutions. This article reports the case studies. It provides a more comprehensive view of the educational outcomes of t
tion channels based on their overall level of financial literacy, is supported by the data. © 1997 John Wiley & Sons, Ltd.
o submit a bid for funding to cover areas such as staff and student travel, cover for teachers, post and telephone expenses and reprograp
ortant part in informing debate and promoting economic literacy, notably in recent decades amongst undergraduates. These are importan
ganization than as a self development issue. Directors of finance need to become involved in the financial education and training process, p
rs W. B. Walstad, K. G. Lumsden, V. Krumm, and M. Walls for comments on an earlier draft. This research study was made possible by a gra
d Charles A. Register is an assistant professor of economics at the University of Baltimore. This study wa5 partially supported by the Joint C
he author appreciates the comments of William Becker, Jr., William Greene, and Sherwin Rosen. This research was supported, in part, by th
Funding Text 3
aper, and Enago (www.enago.com) for the English language review.
onal survey, we apply the methods of formative scale development to construct and validate a more robust conceptualization and measur
racy affects decision making. Those with low financial literacy are more likely to rely on family and friends as their main source of financia
onditions of individuals but also certain features of the regional context where they live have an impact on their financial literacy. Consequ
rural economy). We also thank the referees for their helpful and supportive feedback.
ovation, Lublin, Poland.

; United States
ohannes Gutenberg University of Mainz.
d communities. This article identifies the need for collaborative pedagogical models to develop entrepreneurial skills. It explores if a hybrid
ogy, and Higher Educatin in providing financial assistance during the research output process in the Basic Research Grant 2019/2020 schem
ices, apply heuristics as groundwork for their investment decisions. These heuristics as a decision making process are useful but do not alw
l characteristics (e.g., personal savings orientation [PSO], money management skills, financial self-efficacy). Moreover, we examine wheth
that affect understanding of online information associated with financial products: the mortgage case”). However, the study presented h
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Open Access
powerment curriculum as well as the project reference group for providing guidance and feedback during this process. We also acknowle
e women, rural people, elderly people, and less educated people is much less than other groups of people. The provision of good digital in
m Winter, as well as participants of a brown bag seminar at Marburg University for valuable comments on the design of the questionnaire
t addresses “an individual’s knowledge, skills, and confidence to address her own financial well-being” (Postmus, Plummer, McMahon, & Z
, Elif Kara?imen and two anonymous reviewers for their comments.
hey are also indebted to an anonymous referee for helpful comments on an earlier draft of the article.
Open Access
nd prominent rural-urban disparity (see Choi, 2015; Deng et al., 2013; Selden & You, 1997) in China, requires people equipped with financi
minar participants at Nanyang Technological University, University of Massachusetts at Amherst, University of New South Wales, Universit
children. We excluded 195 children who took only the posttest for whom we have none of the background characteristics elicited during
mer Interests
We find that, due to cognitive constraints of financial burden, consumers can undervalue functional assets and overvalue symbolic assets.
ractices. These findings suggest that policymakers and other stakeholders need to understand the full benefits of financial education when
s complements to each other in risk-taking through the mediation of SFK. We suggest that individuals may reap benefits from financial lite
ontent is solely the responsibility of the authors and does not necessarily represent the official views of NIMH or the National Institutes of
s based on cross-country data on 102 countries surveyed in the World Bank Global Survey on FCP and Financial Literacy (2013). The White
Scopus
fic Islanders and funded by the U.S. Department of Labor, the program offers job training and subsidized employment opportunities to low
upport. Many universities allow for substantial tuition reductions for family members of employees. Other notable approaches include sch
al literacy. Copyright 2018 by The American Council on Consumer Interests
Article
ernment Department of Social Services (DSS) and is managed by the Melbourne Institute of Applied Economic and Social Research (Melbo
al Bank of Bolivia. Jonathan Barboza is Economist (jbarboza@cemla.org) at CEMLA. The authors thank two anonymous referees for many
ollected as a part of the Financial Capability Survey carried out by the World Bank. The usual disclaimer applies. We would like to thank ano
gh improving awareness and financial literacy in India. Thus financial inclusion should be backed by financial literacy to get the best results
ectively for a lifetime of financial well-being.” (PACFL 2009) An additional description of financial literacy is “… the ability to read, analyze,
Year 2016.
ue. The survey used in this research was conducted by a team of researchers at the Australian National University led by Terry J O’Neill, in
riable, a Pearson Chi-square test is performed for the null hypothesis that the distribution of respondents across participation and nonpar
s; Income; Internship and Residency; Male; Orthopedics; Retirement; Surveys and Questionnaires; United States
tance. Financial support from Ministerio de Economía y Competitividad (ECO2015-65820-P), Ministerio de Educación, Cultura y Deporte (p
by the financial services for the poor initiative of the Bill and Melinda Gates Foundation. For India, three survey rounds have been undert
and DB only) Sociodemographic Age Female Race/Ethnicity Non-Hispanic White Non-Hispanic Black Hispanic Non-Hispanic Other Race Ma
rricula from the United States: Financial Fitness for Life (Gellman and Laux 2011 [19]), Practical Money Skills (Visa 2000–2016 [20]), Financ
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nt Professor at the University of Economics and Innovation in Lublin. Kamil Wais (kamil.wais@gmail.com) is an Assistant Professor at the U
providing “advocacy impartially” to their clients, working within a model of social justice and promoting client empowerment (Financial C
Scopus
less they are also able to meet their strategic gender needs, including the transformation of gender power relations from the household t
financial knowledge Financial attitude → Financial behavior Actual financial knowledge → Financial behavior Perceived financial knowledg
ohn G. Lynch Jr. (john.g.lynch@colorado.edu) is the Ted Anderson Professor of Free Enterprise, Senior Associate Dean for Faculty and Rese
Open Access
FA Institute.
cision Making, and the marketing faculty at the Leavey School of Business for their assistance and suggestions. They are grateful to the Kilt
Open Access
NFCS was an online survey of over 25,000 American adults from all states and the District of Columbia. FINRA IEF conducted the study to
ent in the design of the study or in collection, analysis and interpretation of data.
nference participants, one anonymous referee, and the editors for their constructive comments. The views expressed in this paper are com
Free State Research Committee. The opinions expressed represent those of the authors and do not represent the views of the University o
ngen, Melanchthonstr. 30, 72074 Tübingen, Germany. Email: michelle.rudeloff@uni-tuebingen.de 11 2019 2047173419892208 © The Aut
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Education of the Republic of Indonesia and institute of Research and Community Service (LPPM) Unisnu Jepara Indonesia.
ject entitled 'Debt Watch')].
, Luigi Guiso, Arthur Kennickell, Annamaria Lusardi, Maarten van Rooij, and participants at the Annual Congress of the European Economic
2018), the 80 th Annual Meeting of the German Academic Association for Business Research (VHB), the 2018 Eastern Finance Association A
r high- and low-objective literacy levels. In financial education, attention should be focused not only on objective learning but also making
m. The savings program encourages students to complete financial literacy tasks in exchange for account deposits, which could be used for
y represent the views of the International Bank for Reconstruction and Development/World Bank and its affiliated organizations or those
FE has been mandated to include into elementary school curricula, in Taiwan. Based on past empirical studies, Taiwanese elementary and
as the potential to misshape public opinion on economic issues and lead to policies that have perverse effects on the economy . © 1993 b
ateful to Els Lagrou, Lieve Lammens, Johan Mestdagh, and Danièle Van der Espt for their research assistance. We thank conference and se
ncial literacy strategies and the enhancement of public financial institutions, such as SME funding agencies and credit guarantee schemes
he Australian Government
y developed in the scientific project “Financial literacy and children’s consumer behavior” within a program of bilateral cooperation of Ser
entdelivery/servlet/ERICServlet?accno=EJ1083664
School of Education, Technical University of Munich (TUM), Arcisstrasse 21, 80333 Munich, Germany. Email: manuel.foerster@tum.de 11
This work was created in commission of the National University of Public Service under the priority project KÖFOP-2.1.2-VEKO
oral Sciences, Rush University Medical Center, Chicago, IL; and §Department of Neurology, Indiana University School of Medicine, Indiana
Article
y employer Tax benefits apply

Dutch: Wijzer in geldzaken).
Scopus
d director of the creative writing program at the University of Massachusetts Boston, provided critical support to the project, particularly d
se of data of the LISS (Longitudinal Internet Studies for the Social sciences) panel. The LISS panel data were collected by CentERdata (Tilbu
Open Access
onsible for managing labor migration while the Department of Employment and Manpower is responsible for supervising labor migration a
Open Access
ousehold panel dataset SAVE, which was collected annually from 2005 to 2009. Respondents are asked whether they have discussed finan
Scopus
l and multilingual backgrounds who sometimes are not located in the same place even though they belong to the same organizational unit
cators Council (2018) defines financial literacy “as possessing the skills and knowledge on
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versity of British Columbia.

dule for starting their own business, funded by the Unemployment Insurance Fund. On the first day, in a 6-hour academic training, they w
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rban Health Institute.
o Mariko Watanabe, who gave helpful comments to improve the paper during a conference of the Japan Association for Asian Studies, Jap
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-individuals (as opposed to institutions) who invest directly in the securities markets and who represent a small segment of the overall inv
r indices of Kenyan banks and to Prof. Kalu Ojah for constructive comments on an earlier draft of this paper. I would also like to thank parti
Indonesia, funding as the problem of Micro Small Medium Enterprises (MSMEs) is getting solved gradually so far by coordination of the g
n 2008, developed guidelines for financial education in schools (OCDE/INFE, 2010). Although interest in financial education in schools is in
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Council for Economic Education BizKids Junior Achievement Everfi Foolproof Financial Education Systems University of Arizona
ents with disabilities. While there are numerous other Internet-based financial literacy curricula, these four were recommended by Canigli
nal Finance and Regulation – project number E220 (see www.cifr.edu.au).

namic of the changes in financial systems and the proliferation of financial products. Individual Behaviors and Technologies for Financial I
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the Commonwealth Department of Families, Housing, Community Services and Indigenous Affairs with the Melbourne Institute of Applied
Research was carried out while Geert Van Campenhout was full time employed by KU Leuven.
European Savings Institute (Observatoire de l’Epargne Européenne) for its financial support. They wish to thank MH. Broihanne, O. Cornei
en, and numerous conference and seminar participants, as well as the editor and two anonymous reviewers. For funding, we are grateful
that incorporate implemental instructions improve the intensity of search, induce good decision making, and can lead to social learning. Th
da, Las Vegas. Thomas B. Fomby is a professor of economics at Southern Methodist University. This research was made possible by a grant
rateful to the Editor and two anonymous Referees for valuable comments. All remaining shortcomings are entirely our responsibility.
actors; Spain; Surveys and Questionnaires
M which provided support for funding our research work.
g personal finances and financial stress among students. This book presents the key components of financial education designed to addre
English
ancial literacy in India discussed in the chapter. Also, opportunities are many for digital literacy and can be achieved if the challenges are o
me of the decision are warranted. © 2016 The Journal of Risk and Insurance
ics such as consumer awareness, financial literacy, and micro-enterprises, this book is geared towards managers, investors, brokers, resea
enges with respect to marketing and delivery of financial services in rural areas. Reaching out to the excluded sections through financial lit
ility) among individuals and for those investors who seek to improve their own financial literacy. © The Editor(s) (if applicable) and The Au
ers, and policymakers to promote Latino males’ success at community colleges. © 2017 Taylor & Francis Group, LLC.
ship, and/or publication of this article: This study was supported in part by Money Wise Platform (Wijzer in geldzaken).
nstructive comments as well as Bruno Biais, Alexander Guembel, Sébastien Pouget, and Jean-Marc Tallon for very useful discussions. I also
arch Council (award number: ES/J500112/1 ).
as para el análisis y su des-cripción entre 2000 y 2014; la sección III expone los detalles metodológicos del modelo lineal parcial en dos eta
und research on student debt reported in this article.

the Ethics Committee of the Kazakhstan School of Public Health (KSPH). Informed consent was conducted verbally with all study participan
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plicable) and The Author(s) 2018.

e also grateful to Aflatoun, Netherlands Development Organization, Women and Development Program, Ask Mama Development Organiz
thank Linda Lux and Mark Howell for their assistance with the review process.
ourcing for funding for viable growth projects. Thus, the study postulates, based on the contagion effect, that SME-Owners religious values
tion for gender differences in financial literacy relates to differences in opportunity for exposure to financial products and the opportunity
nd to have high level of financial literacy. © 2018 SCMS Group of Educational Institutions. All rights reserved.
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Australas. Account. Bus. Finance J.

ate Research Committee for funding this study. These funders had no involvement in any aspect of the study nor in the preparation of thi
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sted us in the research process: Desmond Chong, Anthony Ang, Chung Kar Yin, Thechinamoorthy Subbiah Chettiar, Mervin Anthony and Sy
8 grant “Determinants of cognitive processes impacting the work performance” granted by the University of Hradec Králové, Czech Republ
tional Network on Financial Education» OECD/INFE International Survey of Adult Financial Literacy Competencies in October 2016 and da
ent evaluation within concept Industry 4.0 at Faculty of Informatics and Management, University of Hradec Kralove, Czech Republic. We w
s effectively for a lifetime of financial wellbeing” (p. 66). Hira (2009) explains it in terms of
Ministry of Education, Science, Research and Sport of the Slovak Republic. The authors would especially like to thank Monika Jurkovi˘cová
lls Fargo. Xiaoyan wants to thank Katherine Cushing, Michelle Smith, the editor, and two anonymous reviewers for helpful comments and
and Development of Financial Education in the Russian Federation' of the Ministry of Finance of the Russian Federation, subproject 'Educa
he specialties of emergency medicine, internal medicine, and pediatrics. Results: Three themes were formulated and analyzed through th
ed insights of the experiment, it is intended to further examine nudges to reduce decision inertia, and to use these insights to develop furt
vited Professor Instituto Superior de Ciências do Trabalho e da Empresa, Lisbon, e-mail: jcosta@ euronext.com; David Justino, Professor, F
nancial literacy and planning, the Survey of Financial Literacy in Washington State, and the Survey of Consumers.
articularly social assistance, public retirement income, and other transfer income. Education remains a factor associated with a reduction i
iteracy is arguably a key requirement of the whole curriculum for young people if they are to understand the causes, effects and ways of t
ation of observer ratings. This research was conducted with support from the Ghent University research fund (01J01513). The fourth autho
. Ethical approval: Ethics approval from the Dalhousie Ethics Review Board. Disclaimer: None. Previous presentations: None.
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Skill India, the Pradhan Mantri Kaushal Vikas Yojana (PMKVY) is also an innovative program for improving skill levels of the existing and fu
Final
ension programs, and the curriculum is free to download. © by Extension Journal, Inc.
12, the amount allocated in the form of grants for entrepreneurs was 22.5 million lei (approximately $1.85 million). The amount allocated
ns Technology Council, and the Aboriginal Financial Officers Association of British Columbia.
roblem solving and creativity. © The Turkish Online Journal of Educational Technology.
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re (NUS) faculty research Grant (R-109-000-127-133).
Open Access
Open Access
n evaluating poverty interventions. The contributors explore the role of evaluation in the search for solutions to global instability. They rec
and/or stopping out for a semester in order to work more hours to pay for expenses. These findings suggest that initiatives aimed at help
Final
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ledge, skills, and tools necessary for financial success throughout life. The FINRA Foundation operates using a combination of services and
ame elements and characteristic in serious business. There is evidence that on the basis of technology acceptance theories, a positive atti
of the Museo del Risparmio of Turin for their key contribution to the design and implementation of the saving laboratory; the headmaster
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ground to the problem, the underserved populations that were deeply impacted by the financial housing crisis and financial literacy educa
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Open Access
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les the user to create interactive "smart documents", whose interactivity consists of the implementation of a simple user interface beyond
on to publish, or preparation of the manuscript. Many thanks to our participants, the CAIDe lab, Roger Ratcliff, Abigail Evans, Nancy Betz, a
nstead, it argues that the project on financial literacy education fails to acknowledge important dependences between consumer financial
Final
ning and wealth accumulation. Women live longer than men and are likely to spend time in widowhood. Thus, improving women's financia
nd borrower may reduce problems associated with financial illiteracy. © 2016 American Real Estate and Urban Economics Association
pinion poll in 2016 having showed (Table 1) that the overwhelming majority (78% of the respondents) of future pensioners relied on the s
services, remittances, insurance, financial literacy, and so on), a robust technology, a dedicated channel of bandhus (banking corresponde
health; rural population; Zambia; Adolescent; Child; Diet; Female; Humans; Nutritional Status; Power (Psychology); Program Evaluation; R
Final
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and support. The author(s) disclosed receipt of the following financial support for the research, authorship, and/or publication of this artic
t; Humans; Independent Living; Mental Health; Socioeconomic Factors; Young Adult
Article
articipation of the project schools.
on. The research team is grateful to the Spanish Mortgage Victims Platform for its collaboration.
est interests to do so. This anxiety may be due to embarrassment, worry, or other forms of apprehension associated with the consultation
ersiti Sains Malaysia (1001/PSOSIAL/816213) is acknowledged.

wards this research. The authors would also like to thank an anonymous external reviewer for their comments, which improved the clarity
Article
as de la Facultad de Ingeniería, Ciencias y Administración (FICA) y de la Facultad de Educación, Ciencias Sociales y Humanidades (FESCH) pa
ve shown that the level of financial literacy in the EU as well as in Slovenia is at an extremely low level. The banking sector has also detecte
e courses of actions that they might use to attain desired financial goals. This finding is supported by World Bank (2002) argument that a c
hers to: reflect upon the knowledge, skills and capabilities required to make informed financial decisions; identify and interpret the possibi
nancial literacy as "the ability to use knowledge and skills to manage financial resources effectively for a lifetime of financial well-being." F
mediating effect of students' attitudes and motivations is accounted for. In addition, focusing on the gender gap, our findings indicate that
5) and it is part of a project of Faculty of Finance and Accounting carried out with help of institutional support of VŠE (Project VŠE No. IP 10
n, Science, Research and Sport of the Slovak Republic.
oyee plan behavior 1 year after employees completed a Learning Module about retirement planning, and we compare it to baseline patte
cial competition organized by the University College of Economics and Culture in collaboration with the educational vortal “Customer Scho
ice. © 2016 Wiley Periodicals, Inc. © 2016 Wiley Periodicals, Inc.
to improve the paper.
ommittee. Elizabeth was awarded the BRASS Mergent Excellence in Business Librarianship Award in 2017 and the BRASS D&B Public Libra
Vol. 3 No. 5, pp. 115-120. Financial Literacy and Inclusion (2013), Results of OECD/INFE Survey across Countries and by Gender, Financial L
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ibrary Association. All rights reserved.

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r, Nir Livneh, and workshop participants at Ben-Gurion University. We gratefully acknowledge the financial support of the Guilford Glazer
premium paid, which we consider a proxy for the policyholder's financial literacy. Moreover, our data set weakly supports the emergency
student debt as a form of educational investment. It is concluded that student debt attitudes are multidimensional and individualised, cha
n Nagel. © 2016 The Author 2016. Published by Oxford University Press on behalf of The Society for Financial Studies. All rights reserved.
cs for other audiences. In this chapter, the use of reflection is discussed, as this is an essential component of any service-learning project. E
f first-time enrolled college students. The institution chose to develop a week-long program and implant it in an existing student success c
d the CDR by 8 percentage points through a combination of challenges and appeals, outreach, financial literacy, and student success effort
Open Access
ment of Public Health. The authors have no competing interests. Dr. S. Duke Han had full access to all the data in the study and takes respo
cessful teacher trainings. The book also embraces the diversity in the field by revealing contrasting and conflicting views that cannot be bri
k came from a symposium titled, Promoting Better Lifetime Planning through Financial Education, organized by the Asian Development Ban
Divided into three parts, the book covers financial literacy education for grades K-12, college, and post-college. © 2016 by Taylor & Francis
ncial literacy levels, and senior students with inadequate financial literacy demonstrate poor personal financial behavior. © 2016, Copyrig
robit analysis show that both actual and perceived financial literacy appear to influence financial behaviors and that perceived financial lite
ducation Foundation), concluded that ‘financial literacy programs are necessary but probably not sufficient to prevent fraud’ (NASD, 2006,
emic research focusing on financial literacy as well as renewed interest in financial education and related policy (Schuchardt et al., 2007). F
sehold expenses are positively correlated with retirement literacy, even after controlling for various demographic and behavioral variables
aigns, including those addressing developed marketplaces. This comprehensive collection of papers will be of value to all readers who see
es CLICKERS and Financial Industry Regulatory Authority, Inc. (FINRA) questions. Prior to the start of camp instruction, students were given
ng practices and reducing households’ financial hardships.1-4 During the same time period, an increased focus on the development and a
rediction; randomized controlled trial; retirement; scientist; sound; economics; financial management; Decision Making; Economics; Finan
isive effect which was not offset by fair disclosure. Furthermore, it was found that the agent’s influence was moderated by a high degree o
money to equity, engage in naive diversification, fail to identify dominated funds, and are inattentive to fees. Over the duration of a retirem
Open Access
t cards as of October 2013 (www.nerdwallet.com/blog/credit-card-data/average-credit-card-debt-household/). Credit card debt is the thir

eater role in teachers’ professional development. The pedagogical tools presented in each chapter include lesson plans and practical insigh
ct. (Louisiana Board of Regents Support Fund Program for Enhancement of Undergraduate Education, “A Freshman Mathematics Course to
to advocate and enact economic reform. The paper considers the genesis and development of Brownson's ideas and methods through th
Scopus
stors and hence could not fulfil their scheme's objectives. It is also found that retail investors are still confused about the mutual funds as
ope the findings from PISA will be a catalyst for changes in education policies, including adding financial literacy to school curricula. Copyrig
efits of placement are only found for individuals with moderate numeracy skills. We conclude there is value accruing from financial literac
mmendation was damaging. We also ruled out the existence of a negative psychological reactance response to a disclosure statement tha
and Audit Committees of the United Methodist Foundation of Northern Illinois "Maintaining the highest ethical standards is critical to the
ms regarding money), and financial awareness (how students know about their income, expenses, and obligations). These themes influence
tionally. Second, research on numeracy practice is presented through a number of distinct facets: a critical view; the workplace; the role o
ionate Approach to Financial Literacy represents an engaging classroom resource for elementary and middle level social studies methods
a Sophie Quis for excellent research assistance. We would also like to thank two anonymous referees, Davide Cantoni, Philip Neary, Dan Ho
ment; Widowhood
rporates the questions that were originally designed to measure financial literacy. Supported by the FINRA Investor Education Foundation,
financial Well-Being. By understanding more about the determinants of financial well-being, it is hoped to help young employees to becom
at the preschool level can help build a strong foundation of financial literacy skills and knowledge and how such awareness might affect t
Open Access
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d be of interest to policy makers and financial market practitioners, potentially prompting future research to examine the effect of novice
workshop on Design of Products and Services for Financial Inclusion at IIM, Ahmedabad (2013), and participants of the India Finance Con
sponsored by the Federal Reserve Bank of Chicago, and one of its major supporters, the American Library Association (ALA). She contacte
ability to use knowledge and skills to manage financial resources effectively for a lifetime of well-being” (U.S. Government Accountability
e American Finance Association.

duce endogenous financial literacy and analyze how its optimal level is determined and how it affects the decisions on pension plans. © 20
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re formulated that are necessary in order to develop more effective delivery methods and to increase the effectiveness of financial educati
rriculum. We conclude that an FFFL-intensive input mix was beneficial in directly adding to financial knowledge and also in terms of leadin
t of the University of Pennsylvania and the Osaka University Institute of Social and Economic Research Association.
sive superannuation fees, low financial literacy, and lack of member participation in growing retirement savings. The paper provides a revi
ne class session and requires one hour of preparation time from the students. This case can stand alone, or it may be used in conjunction w
one class session and requires one hour of preparation time from the students. This case can stand alone, or it may be used in conjunction
n has sponsored the Military Spouse Fellowship programme, and has worked with the National Military Family Association to fund women
gulations, reporting trends and practices. In the second part, the concepts of transparency and full disclosure are studied and analyzed thr
ed on survey based information to gauge the proportion of New Zealanders who receive financial advice. For instance, in a survey of 1,00
. The study presented here is part of a larger collaborative research program of the two authors and portions of the study presented here
stors and hence could not fulfil their scheme's objectives. It is also found that retail investors are still confused about the mutual funds as
nts that we have received along the way from our colleagues at the Stockholm/Uppsala Musica Research Group. We also wish to acknowle
s professor of Economics at the Waikato Management School, University of Waikato, Hamilton, New Zealand; his email address is jkgibson
gest that conscientiousness and financial literacy are important factors and that policies and programming with a dual emphasis on increa
participants at a University of Waikato professional development day for high school economics teachers for comments on an earlier draft
Scopus
nd Herzegovina (2011), and the West Bank and Gaza (2011). An additional group of seven (Armenia, Colombia, Lebanon, Mexico, Nigeria, T
paper also hints that the campaign mode for financial literacy might allow for greater public engagement and action. The effects of financi
mic and personal finance education for the nation’s youth. Such conditions apply to the National Standards for Financial Literacy published
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at this work will contribute to an increased interest in "education in economics" on the part of researchers and that their results will allow
ving in a zip code with greater employment in the financial industry. This study additionally documents that zip code education effects are
Patryk Babiarz received his Ph.D. in family and consumer economics from Purdue University. He is an assistant professor in the
ralian Police.
ty, the 2011 Financial Management Association, and the 2013 Financial Management Association – Europe meetings for helpful comment
er, some nonparticipants lack the financial literacy to appreciate the benefit. These findings indicate that simple informational interventio
rst objective of this chapter is to present a review of some relevant initiatives on financial literacy and education, developed by public and
Research Grant.
niversity of Michigan for the fellowship that provided time to work on this manuscript. This work was supported by a grant from the Ford F
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Final
Gerzensee 2011 European Summer Symposium, the McDonough School of Business, IMAEF 2012, Essex Business School, Stirling Managem
uss the implications of our findings for public librarians as well as the organizations that produce content designed to improve financial lite
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the western region of India. She is a certified trainer for financial education by National Institute of Securities Market, India. Her areas of in
to secular students, and students of high SES showed a higher level of financial literacy compared with low SES students. Mistaken precon
Final
d many useful explanations and clarifications. Thanks as well to Muriel Bouchet (BCL), Paolo Guarda (BCL), Bettina Lamla (MEA) and Armin
ogramme; personal development plan
hat respondents frequently do not consistently answer questions across survey waves and that the context in which a question is asked aff
ded through the Basic Skills Agency financial literacy research and development projects. The course was administered by North Liverpool
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, make parents aware of the effects parental violence has on their children's well-being and improve married women's financial autonomy
bgroups with appropriate methods and messages. ©by Extension Journal, Inc.
ross two institutions created a 43-item survey covering constructs such as life before college, parental influence, current life position, fina
ss management. It is believed that financial literacy can improve the performance of informal sector entrepreneurs and sustain business in
sion Journal, Inc.
ons, rather than better comprehension and ability to apply their knowledge. This suggests that all three countries should work harder to d
represent the official position or policies of The Allstate Foundation. The authors would also like to acknowledge our collaboration with Re
e Sociali 2008) is gratefully acknowledged.
s accounts, money market funds, and balance sheet cash. A familiar quip is investment puts money to work and savings does not. Similar t
understand the most basic financial concepts, such as compound interest and inflation; the meaning of stocks and bonds; the role of inter
on, the OECD International Network on Financial Education (INFE) established in 2010 a dedicated workstream and expert subgroup to add
ments concerning rules and regulations impacting investment advisers and broker-dealers, bankruptcy law, important legal changes influen
ntribution plans or on savings or income from personal investments are more heavily represented. Since procrastination, inertia, and low e
n classrooms.
ity and political engagement promoted in the dominant financial literacy education literature while presenting critical alternatives for each
MD. Yeong Hun Yeo, PhD, MSW, is assistant professor, Department of Social Welfare, Chonbuk National University, Jeonju, South Korea. Cl
sbank for financial support.
Dávila for help with data collection. Patrick Smith was supported by a start-up grant from the University of Texas at El Paso. Luz Murillo re
ern Economic Association International.
dr@gmail.com The authors acknowledge financial support from the ILO Microinsurance Innovation Facility for a research grant to conduct
cially relevant outcomes post hoc. Widespread use of this index and the continued use of modern psychometric techniques would allow fo
population that could be classified as being educated. A self-administered financial literacy scale was administered to a sample of 214 stud
e for the purposes of this research project.
ver-greater component (Norelli, 2010). To increase their understanding of user needs, librarians have been trying to engage their user grou
s project. Additionally, we thank Johan Dirks, PhD, who provided valuable statistical guidance and consultation. This project was funded th
financial and general economic expertise is not convincing and effective, because to achieve one's political objectives in a democratic socie
t in themselves and the market. Through an analysis of consumer fi nancial literacy education's present and historical supports, as well as
for support of financial literacy”.

upport of financial literacy´
blications emphasizing the intersection of economic and social decision-making. Her PhD is in family economics from Iowa State University
rticle using the premier U.S. longitudinal dataset from the National Institute of Aging, the Health and Retirement Study initiated in 1992, w
ooperation with the U.S. Department of the Treasury. Since 1992, data have been collected by the National Organization for Research at th
Research, Old Dominion University. The author is with Old Dominion University, Norfolk, VA 23529 USA (e-mail: hzhu@odu.edu). Color ver
al Economics Challenge sponsored by the Council for Economic Education (CEE). Based on the same technology used to perform the natio
versity (e-mail: mmillea @cobilan.msstate.edu). The authors thank the Russian economic educators Yuriy Pikhteev and Andrey Terentiev i
ess to make retirement planning decisions improved significantly after taking the principles class. Specifically, we showed that only 15.8 pe
sues arising from the choice of adequate enforcement mechanisms. ©?2011 Mohr Siebeck.
ul change. They call for revisions of traditional mathematics pedagogies to address this challenge so that K-8 students may begin to exerci
eneurship in particular. The outreach program was developed with a mission to overcome issues that usually restrict the college ambitions
h Belarusian and Japanese students performed better at the knowledge level while American students generally scored higher at the appl
Conference Paper
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Consumer Interests.
bt. This paper presents existing research on how best to translate financial knowledge into action and how our service uses these concepts
cial Literacy Foundation (FLF) in 2005; its aim is to ‘build the capacity of all Australians to better understand and manage financial risk, dea
g them to obtain goods and services at lower cost. This optimizes their household budgets, providing more opportunity to consume and sa
will be explored. As mobile technologies are adopted more actively for teaching and learning - as 'm-learning' emerges - bridges need to be
Article
ts of personal finance ventures, including mortgages, annuities, life insurance, and credit card debt. The book begins with a primer on mat
alysis presented here highlights the complex and overlapping ways that discursive hybridity in both representational practices and textual
mental and social village-based initiative for water conservation and livelihood creation. © 2009 Wiley Periodicals, Inc.
ynamics in Australia (HILDA) Survey. The HILDA Project was initiated and is funded by the Australian Government Department of Families,
sibilities and acknowledge that mistakes can indeed occur. Our empirical finding that poorer, less educated, immigrant households are mo
aylor & Francis Group, LLC.
al sports and television cartoons to capture students’ interests in economics. In providing these essays, this book brings together several n
hich activities and processes come to be articulated, debated and made operable. Accounting has been seen to possess significant potentia
cial literacy. © 2008 Springer Science+Business Media, LLC.
s by confidently navigating the bountiful unrestricted marketplace. Although this vision is seductive, promising both a free market and incr
nsions Advisory Service (TPAS). TPAS is an independent organization funded by the Department of Work and Pensions (DWP) which is reco
Scopus
an intensive intervention may enable these goals. © Copyright 2008 by The American Council on Consumer Interests.
e evaluation research that produced the data used in the analysis. Further, we wish to thank the participants in the Saver Plus program fo
ckholm whose support is gratefully acknowledged. Financial Support from the Deutsche Forschungsgemeinschaft (DFG) is also gratefully a
aper sets out to explore whether the policy advice offered is enough to make education enterprising by tracking the changing discourses u
explore the potential impacts of the Pension Protection Act of 2006 (PPA) on lowerwage workers' retirement security and propose policy
on. It raises questions about regulators use of consumer education to responsibilize consumption of financial products and calls for further
y. The purpose of this paper is to determine if there is a difference in the performance of students, as measured by economic literacy, betw
nd a weeklong training session sponsored by Project Advance on teaching the economics course. This criterion falls short of Walstad’s (20
literacy education among college students. © 2006 Blackwell Publishing, Inc.
mpany size. Overall, our results are consistent with restatements being negatively associated with the CFO's financial expertise. Specificall
he role of noneconomic factors as a part of the everyday economic-exchange behavior of children was also examined. Study findings sugg
ecommendation on Principals and Good Practices for Financial Education and Awareness. © OECD 2005.
e currently delivering, and planning to deliver, financial education and highlight some of the key challenges. A five-tiered approach to prog
ow zero, and many economists have concluded that additional measures to increase saving are needed to ensure that members of the ba
ns skills training for accountants and financial literacy training for judges and barristers. © 2004 CPA Australia.
quality of the test has been assured through confirmatory factor analysis; analysis of item-by-country interaction and Item Response Theo
ted States. This article raises the question of whether law can contribute to financial education. Besides absolute consumer protections law
radical adult education, including access to independent and impartial welfare rights and financial information, advice and advocacy, is pro
ramatically affected the development and implementation of the new course of study are presented. (JEL A21, A29).
iew of the educational outcomes of the research than the final report published by HEFCE which placed a greater emphasis on the econom
Wiley & Sons, Ltd.
d telephone expenses and reprographic costs. This budget was managed by the university organiser and monies distributed at the end of e
t undergraduates. These are important roles, yet the publications have received little notice from banking historians, historians of the finan
ncial education and training process, particularly at a strategic level, so as to ensure that the company's competence, capability and capaci
rch study was made possible by a grant from the Nuffield Foundation.
wa5 partially supported by the Joint Council on Economic Education through funding provided by the J. Howard Pew Freedom Trust. Additi
research was supported, in part, by the J. Howard Pew Freedom Trust.
Funding Text 4 Funding Text 5 Funding Text 6 Funding Text 7
robust conceptualization and measurement of financial literacy. We explore how this financial literacy index might
ends as their main source of financial advice and are less likely to invest in stocks. ©Indian Institute of Finance.
ct on their financial literacy. Consequences for financial education programs are highlighted. Copyright 2019 by The Am
preneurial skills. It explores if a hybrid of design thinking and problem-based learning can satisfy the needs of entrepr
asic Research Grant 2019/2020 scheme.
king process are useful but do not always lead to the choice of the lowest cost alternative with the highest possible ser
cacy). Moreover, we examine whether and how these psychological characteristics mediate the relationship between
e”). However, the study presented here was not funded.
2-s2.0-85076693484
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uring this process. We also acknowledge the refuge staff members and women who gave their valuable time to participate in
ople. The provision of good digital infrastructure to the remote area, opening of more financial literacy centers and extension
ts on the design of the questionnaire. The usual disclaimer applies.
” (Postmus, Plummer, McMahon, & Zurlo, 2013, p. 276). As survivors often have their power limited or taken away by the abusive
Scopus 2-s2.0-85075252984
equires people equipped with financial literacy, a need the Chinese government’s recent policy agenda has acknowledged. Th
ersity of New South Wales, University of Waterloo, and the Financial Literacy Seminar Series (a joint initiative of the Board of Gove
round characteristics elicited during the pretest. Our final sample thus encompasses 72 schools, 31 of which participated i
ssets and overvalue symbolic assets. Importantly for financial literacy efforts, however, we show that framing a symboli
l benefits of financial education when making cost–benefit analysis comparisons as to whether or not to implement. C
may reap benefits from financial literacy and financial network-building programs for improving retirement investmen
of NIMH or the National Institutes of Health.
Scopus 2-s2.0-85069056033
Financial Literacy (2013). The White heteroscedasticity adjusted regressions and Two-stage least squares regressions (2SLS) ar
2-s2.0-85067068846
ed employment opportunities to low-income older U.S. citizens and permanent residents. Program participants receive the
Scopus 2-s2.0-85064533334
Other notable approaches include scholarships and grants; combination degree programs (eg, MD/PhD); the National Health
Final Open Access Scopus 2-s2.0-85067598569
conomic and Social Research (Melbourne Institute). The findings and views reported in this paper, however, are those of the
k two anonymous referees for many valuable comments, which greatly improved the quality and the exposition of the paper. Th
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r applies. We would like to thank anonymous referees, Prof. Seyfettin Gursel and the seminar participants in 13th EBES
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nancial literacy to get the best results. © 2019 John Wiley & Sons, Ltd.
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acy is “… the ability to read, analyze, manage and communicate about the personal financial conditions that affect materi
al University led by Terry J O’Neill, in collaboration with AMP, Rice Warner Actuaries and the National Seniors Australia, a
ents across participation and nonparticipation is independent of the financial literacy quintile, propensity for financial pla
nited States
io de Educación, Cultura y Deporte (programa estatal de promoción del talento y su empleabilidad en I+D+i, subprograma estat
hree survey rounds have been undertaken till 2015. In each of these rounds, the survey was nationally representative coveri
Hispanic Non-Hispanic Other Race Married or Partnered Education (Years) Net Worth (Median) Net Worth (Mean) Net Wort
y Skills (Visa 2000–2016 [20]), Finance in the Classroom (Utah, n.d. [21]), Money Talks 4 Teens (University of California
Scopus 2-s2.0-85059693609
om) is an Assistant Professor at the University of Information Technology and Management in Rzeszów. The study was financ
ting client empowerment (Financial Consumer Rights Council 2016; Pasco 2016). The legal role of the financial counsell
2-s2.0-85057710633
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ower relations from the household to state arenas. Therefore, the book argues that in order to bring about higher levels of e
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ehavior Perceived financial knowledge → Financial behavior Age → Financial behavior Male → Financial behavior Education
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Associate Dean for Faculty and Research, and Director of the Center for Research on Consumer Financial Decision Making at
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gestions. They are grateful to the Kilts Center for Marketing at Chicago Booth for providing the data. A. Ye?im Orhun gra
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a. FINRA IEF conducted the study to better understand the concept of financial capability and its key components. The st
views expressed in this paper are completely personal and unrelated to those of any organizations with which we are affil
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epresent the views of the University of the Free State and the Dr Edward (Tiffy) King scholarship.
2019 2047173419892208 © The Author(s) 2019 2019 SAGE Publications Financial literacy is becoming increasingly important, in particula
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nu Jepara Indonesia.
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Congress of the European Economic Association, Toulouse; NETSPAR International Pension Workshop, Amsterdam; Research in B
e 2018 Eastern Finance Association Annual Meeting, and the 2018 Annual Meeting of the European Financial Management
on objective learning but also making sure consumers are aware of the limitations of their understanding. Copyright 2
unt deposits, which could be used for future unanticipated expenses. Implications for program development, financial ser
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d its affiliated organizations or those of the executive directors of the World Bank or the governments they represent. We ar
al studies, Taiwanese elementary and junior high school teachers had the problems of insufficient financial knowledge and
se effects on the economy . © 1993 by Taylor & Francis. All rights reserved.
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istance. We thank conference and seminar participants at LEER 2018, LEER 2019, LAGV 2019, ESPE 2019, EEA 2019, EALE 2019,
encies and credit guarantee schemes. The chapter concludes by drawing on the practices of Central Asian and Organis
ogram of bilateral cooperation of Serbia and Croatia – Development and stability through the knowledge (2016-2017) and mo
Email: manuel.foerster@tum.de 11 2019 2047173419892209 © The Author(s) 2019 2019 SAGE Publications The results of numerous stud
he priority project KÖFOP-2.1.2-VEKOP-15-2016-00001 titled „Public Service Development Establishing Good Governance" i
niversity School of Medicine, Indianapolis, IN. A.K., L.Y., J.A.S., P.A.B.: involved in conception, design, and execution of the
Final Scopus 2-s2.0-85075600821
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l support to the project, particularly during the design and execution phases of the experiment. The author would also like
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a were collected by CentERdata (Tilburg University, The Netherlands) through its MESS project funded by the Netherlands Or
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ible for supervising labor migration and overseeing private recruitment agencies. Cambodia has an inter-ministerial worki
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ed whether they have discussed financial matters with financial advisors in banks, insurance companies or financial service provid
2-s2.0-85056144395
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elong to the same organizational unit. For example, a team leader can be based in London while some of the team’s employees are based
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n a 6-hour academic training, they were invited to analyse their short-and long-term plans in various
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pan Association for Asian Studies, Japan. We received suggestions from Zhiwen Zhang and participants during the conferen
2-s2.0-85050719603
ent a small segment of the overall investor population. However, such a presumption fails to sufficiently account
paper. I would also like to thank participants of the 84th International Atlantic Economic Conference in Montreal, Canada,
dually so far by coordination of the government. Furthermore, the current challenge is managing the fund received by entr
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in financial education in schools is indeed growing, it is important to note that financial education courses are not compul
2-s2.0-85040059820
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ucation Systems University of Arizona Corporation for Educational Radio and TV WellsFargo Bank of America and Khan Ac
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e four were recommended by Caniglia and Courtney (2013). The printed curriculum is the best available for financial literacy
viors and Technologies for Financial Innovations is organized in 16 chapters, organized in three parts. Part I has eight chapters that review
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th the Melbourne Institute of Applied Economic and Social Research at the University of Melbourne responsible for the survey des
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h to thank MH. Broihanne, O. Corneille, W. De Bondt, C. Haddad, F. Laly, M. Merli, F. El Mouaaouy, M. Montone, V. P
viewers. For funding, we are grateful to the World Bank Russia Financial Literacy and Education Trust Fund. Margherita
ng, and can lead to social learning. This first look at short, digestible online media as a route to good financial decisions ca
esearch was made possible by a grant through the Hunger Center of the North Texas Food Bank. The authors are especiall
gs are entirely our responsibility.
nancial education designed to address the growing concerns associated with high levels of debt, abuse of credit ca
J. Gerontol. Ser. B Psychol. Sci. Soc. Sci. Article Final Open Access
an be achieved if the challenges are overcome. All the stakeholders should put in concerted efforts at all levels to achieve
s managers, investors, brokers, researchers, and all others within the banking industry. © 2018 by IGI Global. All rights reserved.
Scopus 2-s2.0-85045687130
xcluded sections through financial literacy campaigns, and in the process marketing, the banks and their schemes would b
he Editor(s) (if applicable) and The Author(s) 2018. All rights reserved.
cis Group, LLC.
Scopus 2-s2.0-85041559525
zer in geldzaken).
llon for very useful discussions. I also thank Henri Luomaranta for excellent research assistance and AXA, Amundi, and Scor Rese
s del modelo lineal parcial en dos etapas; las secciones IV y V presentan las estimaciones de los perfiles de ahorro y crédit
cted verbally with all study participants before taking part in screening for study eligibility. A written consent form was revi
Scopus 2-s2.0-85034580671
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2-s2.0-85042606241
am, Ask Mama Development Organization, Berea Social Foundation, and Support for Community Mobilization Projects and Programs for c
ect, that SME-Owners religious values and financial knowledge resource endowment would influence the SMEs decisions an
nancial products and the opportunity to learn by doing. In the household context, a primary reason for this could be intra-hou
2-s2.0-85048590217
Article Final Open Access Scopus

he study nor in the preparation of this manuscript.
2-s2.0-85070078350
biah Chettiar, Mervin Anthony and Syed Mohd Khalil Syed Mahmood in our research committee.
rsity of Hradec Králové, Czech Republic. Thank for help student Čonková Eliška.
ompetencies in October 2016 and data on consumption of the electricity, presented on the World Bank’s website [2–5].
Hradec Kralove, Czech Republic. We would like to thank student Martin Král for cooperation in the processing of the article.
lly like to thank Monika Jurkovi˘cová and Erika Pastoráková who collected the data used in this paper.
reviewers for helpful comments and suggestions. All remaining errors are mine.
ussian Federation, subproject 'Educational Measures to Enhance Financial Literacy Among Students of Secondary Schools
formulated and analyzed through the existing frameworks: 1) daily finances, 2) financial knowledge and experiences, and
to use these insights to develop further IT-based counter-measures. This study is one part of a research project designing adap
Scopus 2-s2.0-85060115003
onext.com; David Justino, Professor, Faculdade de Ciências Sociais e Humanas, Lisbon, e-mail: david.justino@fcsh.unl.pt. T
Consumers.
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a factor associated with a reduction in the incidence and frequency of payday loan borrowing, suggesting a potential role
and the causes, effects and ways of tackling environmental problems whether they are on a local or global scale. There are a number of cu
ch fund (01J01513). The fourth author, Robert B. Kaiser, developed the Leadership Versatility Index (LVI), which is used in h
us presentations: None.
2-s2.0-85040637758
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oving skill levels of the existing and future labour force. In addition, there are initiatives such as the Swachch Bharat Mission
Scopus 2-s2.0-85044406918
$1.85 million). The amount allocated in 2013 was 50 per cent higher: 32 million lei (approximately $2.59 million).
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2-s2.0-85026510651
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olutions to global instability. They recognize, however, that in order to address unprecedented crises, evaluation itself needs to be evaluat
suggest that initiatives aimed at helping students improve their financial literacy and money management skills may be a
Open Access Scopus 2-s2.0-85038858588
2-s2.0-85039795871
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s using a combination of services and funds contributed by the Financial Industry Regulatory Authority (FINRA). When ap
y acceptance theories, a positive attitude models behavior, and a wide variety of settings support the design of gamifi
he saving laboratory; the headmasters and the teachers of the primary schools involved in the study (?Silvio Pellico?, ?Boccia d?O
2-s2.0-85028298013
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sing crisis and financial literacy education program that can assist the community toward financial recovery. © 2018, IGI G
2-s2.0-85032228197
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tion of a simple user interface beyond the framework of the usual document. This fact enables the user to influence t
r Ratcliff, Abigail Evans, Nancy Betz, and three anonymous reviewers.
ndences between consumer financial behaviour and the socio-economic, political, and cultural context within which consume
Scopus 2-s2.0-84961855539
od. Thus, improving women's financial literacy is key to helping them prepare for retirement and promoting their financia
nd Urban Economics Association

) of future pensioners relied on the support of the State. Nearly a half of them (49%) planned to continue working activity
nel of bandhus (banking correspondents/agents) and mature processes. The top leadership envisaged that FINO could
r (Psychology); Program Evaluation; Reproductive Health; Rural Population; Surveys and Questionnaires; Zambia
Scopus 2-s2.0-84966415693
2-s2.0-85023745550
orship, and/or publication of this article: This work was supported by the Thailand Research Fund through the Royal Gol
Final Scopus 2-s2.0-84976313078
sion associated with the consultation process. A new scale is presented which has strong validity and a demonstrated a
omments, which improved the clarity of the manuscript.
Final Scopus 2-s2.0-85008423060

as Sociales y Humanidades (FESCH) para la aplicación del instrumento en un período de clases.
Scopus 2-s2.0-85054048753
l. The banking sector has also detected a deficit in financial literacy and began a few years ago an intensive development of v
World Bank (2002) argument that a complex blend of institutions (formal, informal and cognition) promotes and limits mar
ons; identify and interpret the possibilities for financial literacy teaching and learning in the Australian Curriculum; and en
r a lifetime of financial well-being." Furthermore, Remund (2010) defined financial literacy as a measure of the degree
ender gap, our findings indicate that the acquisition process of the financial competences, according to the hypothesised
support of VŠE (Project VŠE No. IP 100040).
and we compare it to baseline patterns. We find that those employees who completed the Learning Module were more likel
he educational vortal “Customer School” (Klientu skola) developed by the Financial and Capital Market Commission – FCMC (k
2017 and the BRASS D&B Public Librarian Support Award in 2008. © 2017 American Library Association. All rights reserved
Countries and by Gender, Financial Literacy and Education Russian Trust Fund, Londres. Nelson, M.W., Libby, R. and Bloomfi
Scopus 2-s2.0-85030312582
2-s2.0-85037594152
2-s2.0-85012008453
ancial support of the Guilford Glazer School of Business and Management at Ben-Gurion University . All errors remain our re
set weakly supports the emergency fund hypothesis for the case of variable annuities. © 2015 The Journal of Risk and I
ltidimensional and individualised, challenging simplistic ideas of debt aversion in earlier literature. © 2016 John Wiley & S
Financial Studies. All rights reserved.

nent of any service-learning project. Encounters with resistance are discussed as well. © 2017 by IGI Global. All rights rese
ant it in an existing student success course, Academic Development, ACDV 101. The program, Money Matters, is designed is
al literacy, and student success efforts. MCC was able to achieve successful transformation through a top-down leadership strategy that in
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he data in the study and takes responsibility for the integrity of the data and the accuracy of the data analysis. The authors d
d conflicting views that cannot be bridged, while at the same time making a contribution by re-joining existing materials in one volume wh
Scopus 2-s2.0-84957855830
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anized by the Asian Development Bank Institute, the Bank of Japan, the Japan Financial Services Agency, and the Organisatio
t-college. © 2016 by Taylor & Francis Group, LLC. All rights reserved.
al financial behavior. © 2016, Copyright © Taylor & Francis and Andrews University.
aviors and that perceived financial literacy may be as important as actual financial literacy. © 2016 Western Economic Ass
fficient to prevent fraud’ (NASD, 2006, p. 6). This represents a major challenge for the financial literacy agenda. © The Editor
ted policy (Schuchardt et al., 2007). Financial education is increasingly prevalent in high schools, colleges (Hira, 2012; Mandell
emographic and behavioral variables. Surprisingly, no significant correlation was found between retirement literacy and fin
will be of value to all readers who seek to better understand the multi-factorial and complex nature of personal financial management in to
amp instruction, students were given a very basic quiz conducted with clickers on elementary concepts on financial litera
ased focus on the development and assessment of financial literacy programmes has also been witnessed5,6. © The Editor(s
t; Decision Making; Economics; Financial Management; Humans; Neurosciences
ce was moderated by a high degree of financial literacy when managers’ insurance was recommended. Yet, the agent’s re
to fees. Over the duration of a retirement account, these mistakes can cost investors hundreds of thousands of dollars. W
Scopus 2-s2.0-85071336842
usehold/). Credit card debt is the third largest source of household indebtedness in the United States behind mortgages and
lude lesson plans and practical insights, and are designed to meet the NCSS, C3 Framework, and Common Core State Standards for Social
“A Freshman Mathematics Course to Develop Quantitative Reasoning” Contract Number: LEQSF(2014-15)-ENH-TR-27).
nson's ideas and methods through three stages: first, the establishment of equivalence between conditions of aesthetic and econo
Scopus 2-s2.0-84942594912
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confused about the mutual funds as an investment avenue. In order to attain sustained profitable growth, the industr
al literacy to school curricula. Copyright 2015 by The American Council on Consumer Interests
s value accruing from financial literacy programs as advocated by regulators, but suggest additional benefits may be r
sponse to a disclosure statement that would work to the detriment of financially literate participants. Copy; 2015 by Th
est ethical standards is critical to the success of not-for-profits in today's world. Dr. Verschoor's book provides a practical, high
obligations). These themes influenced what students thought about debt, saving, giving money away, and their emotions about mone
itical view; the workplace; the role of technology; and statistical and financial literacy. Third, studies that explore the
middle level social studies methods courses as well as those that concern topics that relate to culturally responsive te
Scopus 2-s2.0-84925712824
Davide Cantoni, Philip Neary, Dan Houser, and the audiences at the Conference on “Financial Literacy, Saving and Retirem
INRA Investor Education Foundation, the survey was first conducted in 2009 to assess and establish a baseline measure of the
d to help young employees to become financial prudence and in the long-run could decrease the number of young employ
d how such awareness might affect the social and environmental well-being of communities. ©, Copyright Taylor & Franci
Scopus 2-s2.0-84943615558
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arch to examine the effect of novice nonprofessional investors' financial literacy on their financial market participation.
participants of the India Finance Conference, Ahmedabad (2013) for their valuable comments and suggestions on the earli
brary Association (ALA). She contacted colleagues in units that her liaison work supports, such as the business school, as
ng” (U.S. Government Accountability Office [GAO], 2012, p. 3).
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the decisions on pension plans. © 2014 Wiley Periodicals, Inc.
2-s2.0-84930419093
e the effectiveness of financial education programs. © 2015 by The American Council on Consumer Interests.
nowledge and also in terms of leading to spillovers in such knowledge. © 2014 by The American Council on Consumer Inte
h Association.
nt savings. The paper provides a review of literature pertaining to the background, significant policy changes, and ongoing
ne, or it may be used in conjunction with a related case-"Taking Advantage of Homeowners Association Foreclosure
one, or it may be used in conjunction with a related case-"Taking Advantage of Homeowners Association Foreclosures: Investors or Predat
ry Family Association to fund women who wish to become certified financial counsellors. After completing the required cours
closure are studied and analyzed through perspectives of board of directors, members of internal control (au
vice. For instance, in a survey of 1,000 KiwiSaver investors, Matthews (2011, 2012) finds that 18 to 22 per cent of t
Scopus 2-s2.0-84908430827
portions of the study presented here build on work reported in other joint publications ( Johri & Sharma, 2012, 2013 ).
confused about the mutual funds as an investment avenue. In order to attain sustained profitable growth, the industry
rch Group. We also wish to acknowledge the financial support granted by Svenska Handelsbanken that made this research
Zealand; his email address is jkgibson@waikato.ac.nz. Bilal Zia is economist in the Development Economics Research Group at the W
mming with a dual emphasis on increasing conscientiousness and financial literacy are likely to have a positive impact
hers for comments on an earlier draft of this paper.
2-s2.0-84898605773
olombia, Lebanon, Mexico, Nigeria, Turkey, and Uruguay) low-and middle-income countries was involved in the World Bank Finan
ent and action. The effects of financial literacy, however, will not accrue if it is not accompanied by adequate outreach of
dards for Financial Literacy published by the Council for Economic Education (CEE 2013). Within this article, we explain the r
2-s2.0-84921686816
chers and that their results will allow for the expansion of knowledge about the Portuguese reality, being possible to co
ts that zip code education effects are present with various savings and credit measures. © 2014 by The American Counci
ity. He is an assistant professor in the Department of Consumer Sciences, College of Human Environmental Sciences at the U
urope meetings for helpful comments, and special thanks go to two anonymous referees and the Editor (Martin Loeb) for
Scopus 2-s2.0-84902013140
that simple informational interventions can nudge workers to participate in retirement saving plans and enhance indivi
d education, developed by public and private organizations around the world. Secondly, it focuses on the effectivenes
Scopus 2-s2.0-84927157727
supported by a grant from the Ford Foundation (1060-0161).
2-s2.0-84890450810
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ex Business School, Stirling Management School, and the University of Venice for very valuable comments and the World Bank Deve
ent designed to improve financial literacy. Only by understanding the reasons why these gaps in financial literacy exist
2-s2.0-84883734459
2-s2.0-84883681433
ecurities Market, India. Her areas of interest are financial literacy, financial behaviour, strategic management and Indian fin
Scopus 2-s2.0-84884333485
h low SES students. Mistaken preconceptions were also revealed. The insights gained will contribute towards developing
Scopus 2-s2.0-84878655865
BCL), Bettina Lamla (MEA) and Armin Rick (University of Chicago) for their helpful comments. We are grateful to participan
Scopus 2-s2.0-84880466568
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ontext in which a question is asked affects the likelihood of correctly responding. Moreover, our regression analyses suggest t
Scopus 2-s2.0-84877894379
was administered by North Liverpool Citizens Advice Bureau (CAB), which aims to provide advice, training, and assistance to p
2-s2.0-84875820101
married women's financial autonomy by increasing their financial literacy and awareness regarding various savings an
l influence, current life position, financial knowledge, financial behaviors, financial aid and loans, credit behaviors, fi
entrepreneurs and sustain business information and skills. By means of financial literacy, their basic life skills such as nume
ee countries should work harder to develop the financial literacy of their high school students.
cknowledge our collaboration with Rene Renick and Kim Pentico from the National Network to End Domestic Violence and the
work and savings does not. Similar to feet, savings support the body by keeping pace while the head is pointing. For the e
of stocks and bonds; the role of interest rates in the pricing of securities; the function of the stock market; and the value of
rkstream and expert subgroup to address the needs of women for financial education. This publication is the result of the wor
y law, important legal changes influencing banks and credit ratings organizations, real estate regulations, and insurance law
ce procrastination, inertia, and low expectations of success often impede retirement planning, three recommendations are p
resenting critical alternatives for each. The analysis in these sections supports the claim made in the fourth and final sect
al University, Jeonju, South Korea. Clinton C. Key, MA, is research associate, University of North Carolina at Chapel H
sity of Texas at El Paso. Luz Murillo received research funding from the C. Bascom Slemp Fellowship at the University of T
cility for a research grant to conduct a field experiment in the Indian state of Gujarat, which is the source of data for th
chometric techniques would allow for the comparison of financial knowledge, measured consistently and reliably, acr
Scopus 2-s2.0-84863527076
administered to a sample of 214 students from a large South African metropolitan university. Overall, results indicate moder
been trying to engage their user groups by getting involved in the events or conferences from their users’ area of spec
nsultation. This project was funded through USDA SNAP-ED.
litical objectives in a democratic society it is necessary to be in possession of the relevant arguments. Further, financial
nt and historical supports, as well as its likely effects, this book argues that the choice before us is not fi nancial illiteracy or f
economics from Iowa State University. She has received over $1,050,000 of research and educational grants in recent years; t
Retirement Study initiated in 1992, which is linked to restricted Social Security earnings records that extend over seve
tional Organization for Research at the University of Chicago (NORC). Data from the SCF are widely used in academic resea
Scopus 2-s2.0-79955109262
A (e-mail: hzhu@odu.edu). Color versions of one or more of the figures in this paper are available online at http://ieeexplo
echnology used to perform the national normings of the Test of Economic Knowledge (TEK) and the Basic Economics Test (B
uriy Pikhteev and Andrey Terentiev in Nizhniy Novgorod, Nina Chinakova and Tatiana Nalepa in Novosibirsk, and Svetlana
cifically, we showed that only 15.8 percent and 42.3 percent of the nonbusiness and business control students, respectivel
hat K-8 students may begin to exercise the responsibility for prudent financial decision-making that they will need in fu
usually restrict the college ambitions of the targeted population. Over the past two years (2007 and 2008), one hundred and eightee
ts generally scored higher at the application level. © 2010 DreamCatchers Group, LLC.
Final Scopus 2-s2.0-77957341750
2-s2.0-77953707574
how our service uses these concepts in its delivery of financial education to students. By providing financial advice an
stand and manage financial risk, deal effectively with market complexity and take advantage of increased competition and
Scopus 2-s2.0-77958510034
more opportunity to consume and save or invest. Comprehensive education can help provide individuals with the financial knowledge nec
Scopus 2-s2.0-70349296795
arning' emerges - bridges need to be built between in- and out-of-school literacies.
Final Scopus 2-s2.0-70449129449
Scopus 2-s2.0-70450285365
he book begins with a primer on mathematics, covering the basics of arithmetic operations and notations, and proceeds to exp
epresentational practices and textual performances of identity figure importantly in the financial literacy practices
Periodicals, Inc.
overnment Department of Families, Housing, Community Services and Indigenous Affairs (FaHCSIA) and is managed by the Me
ucated, immigrant households are more prone to joint deviations from rational benchmarks makes it more plausible that these dev
ys, this book brings together several notable scholars in the field of economic education, including William B. Walstad of the University of N
n seen to possess significant potential for changing the exercise and balance of power within organizations. The roles of accoun
promising both a free market and increased consumer welfare, the predicate belief in the effectiveness of financial-literacy educa
ork and Pensions (DWP) which is recovered from a levy imposed on occupational and personal pension providers. 471 voluntee
2-s2.0-46649100478
sumer Interests.
ticipants in the Saver Plus program for their provision of data. We acknowledge the comments made by Heath Spong, Lucia
emeinschaft (DFG) is also gratefully acknowledged.
by tracking the changing discourses used and approaches taken in documents recommending education and work activity to te
tirement security and propose policy steps to reduce the risk of poverty being recycled into postretirement years. ©2007 Al
nancial products and calls for further research on the international growth of financial literacy education as a regulatory
Scopus 2-s2.0-37649007104
measured by economic literacy, between students taking a course in the principles of economics using a face-to-face v
s criterion falls short of Walstad’s (2001) recommendation of six economics courses, as well as the required minimum of accrediting bo
e CFO's financial expertise. Specifically, we find that companies whose CFOs have more work experience as CFOs, M.B.A.s, and
as also examined. Study findings suggest that past research has underestimated children's understanding of the economic
enges. A five-tiered approach to program evaluation is described and outlined to provide a general framework to guide
ed to ensure that members of the baby boom generation have an adequate standard of living when they retire. Indeed, tax-incentive plan
Australia.
interaction and Item Response Theory (IRT) based analyses of item fit within and across countries. Preceded by a short review of pr
es absolute consumer protections law (e.g. on extortionate credit, betting and gambling) one instrument of legislation is statutory informa
ormation, advice and advocacy, is proposed to assist individuals in making informed decisions about the financial con
(JEL A21, A29).

ed a greater emphasis on the economic aspects (Boucher et al, 1997). The outcomes are discussed in terms of the education
nd monies distributed at the end of each year of the project.
king historians, historians of the financial press, or historians of economics. Moreover, the content of the bank reviews mer
's competence, capability and capacity in financial management are appropriate to the pace and direction of company development. © 19
J. Howard Pew Freedom Trust. Additional support Wa5 provided by the Office of the Dean and the Division of Business Resea
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Charoensook, B.; Department of International Business, Keimyung Adams College, Keimyung UniversitySouth Korea
Meyer, M.; College of Health Sciences, University of Massachusetts, Lowell, Dugan Hall 108, 883 Broadway St., United States; e
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Potocki, T.; University of RzeszówPoland
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Kirbiš Škreblin, I.; Zagreb School of Economics and Management, Jordanovac 110, Croatia; email: ivona.skreblin@zsem.hr
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Economy in Modern Conditions, pp. 3-8. , Irkutsk: Izd. BSUEL; Asekova, N.R., A role and value of non-state pension funds in provision of pe
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Gathergood, J.; University of Nottingham, School of Economics Network for Integrated Behavioural ScienceUnited Kingdom; e
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Yun, T.; College of Business Administration, Incheon National University, 12-1, Songdo-dong, South Korea; email: taiwoongyun
Mazzoli, C.; Department of Management, Università Politecnica delle Marche, P. le Martelli n.8, Italy; email: c.mazzoli@univpm
Walstad, W.; Department of Economics, 339 College of Business Administration, University of Nebraska-LincolnUnited States;
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, United Nations Educational, Scientific and Cultural Organization (UNESCO) Salamanca; Loane, M., Morris, J.K., Addor, M.C., Twenty-year
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Xiao, J.J.; Professor, Family Finance, Department of Human Development and Family Studies, College of Health Sciences and S
Bergiti, J.; Australian College of PharmacyAustralia
Montgomerie, J.; Department of Politics, Goldsmiths, University of LondonUnited Kingdom; email: J.Montgomerie@gold.ac.uk
van Ooijen, R.; University of Groningen, Department of Economics, Econometrics and Finance, P.O. Box 800Netherlands; emai
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Rodríguez Martín, J.A.Campus Universitario de Cartuja s/n, Spain; email: josearm@ugr.es
Baker, A.C.; School of Social Policy and Practice, University of Pennsylvania, 3701 Locust Walk, United States; email: amybaker
Dhanani, A.; Cardiff Business School, Cardiff UniversityUnited Kingdom; email: dhananiav@cardiff.ac.uk
Friedberg, R.D.; ACT Center for the Study and Treatment of Anxious Youth, Palo Alto University, 1791 Arastradero Rd., United
Kiliyanni, A.L.; School of Management Studies, National Institute of Technology CalicutIndia; email: abdlatheef@hotmail.com
Winter, J.; University of Munich, Ludwigstr. 33, Germany; email: winter@lmu.de
Newall, P.W.S.; Behavioural Science Centre, Stirling Management School, University of StirlingUnited Kingdom; email: p.w.new
Semenova, M.; Center for Institutional Studies and Department of Finance, National Research University, Higher School of Eco
Zafar, B.; Federal Reserve Bank of New York, 33 Liberty St., United States; email: basit.zafar@ny.frb.org
Marano, L.E.; West Chester UniversityUnited States
Bannier, C.E.; Gutenberg University Mainz, Jakob-Welder-Weg 9, Germany; email: bannier@uni-mainz.de
Lensink, R.; University of GroningenNetherlands; email: b.w.lensink@rug.nl
Scannapieco, M.; School of Social Work, University of Texas at Arlington, 211 South Cooper, United States; email: mscannapie
Paluri, R.A.; Symbiosis Institute of Operations ManagementIndia; email: ratna.paluri@siom.in
Reams-Johnson, A.; Campus Academic Team, Social and Behavioral Sciences, Florida State College at Jacksonville, 9911 Old Ba
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Aprea, C.; Friedrich Schiller University Jena, Carl-Zeiss-Strasse 3, Germany; email: carmela.aprea@uni-jena.de
Holtsch, D.; Institut für Erziehungswissenschaft, University of Zurich, Kantonsschulstrasse 3, Switzerland; email: doreen.holtsch
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Schuhen, M.; Universität Siegen, Zentrum für ökonomische Bildung in Siegen (ZöBiS), Kohlbettstraße 15, Germany; email: schu
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Klapper, L.; World BankUnited States; email: lklapper@worldbank.org
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Research Department, Bank of Italy, Via Nazionale, 91, Rome 00184, Italy
Caliendo, F.N.; Department of Economics and Finance, Jon M. Huntsman School of Business, Utah State University, 3565 Old M
Ferguson Jr., R.W.; TIAA-CREFUnited States
School of Social Policy, University of BirminghamUnited Kingdom
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Jerven, M.; School for International Studies, Simon Fraser University, Vancouver, Canada; email: mjerven@sfu.ca
Raisanen, S.R.; Department of Economics, Central Michigan University, 309 Sloan Hall, Mount Pleasant 48859, United States; e
Li, Y.; University of California, Riverside, Anderson Hall, 900 University Avenue, Riverside, CA 92521, United States; email: ye.li
Kim, J.; Department of Family Science, School of Public Health, University of Maryland College Park, College Park MD 20742, U
Basu, A.K.; QUT Business School, Queensland University of Technology, GPO Box 2434, Brisbane, QLD 4001, Australia; email: a
Clemenson, B.; Case Western Reserve University, Weatherhead School of Management, 10900 Euclid Avenue, Cleveland, OH 4
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Sprow Forté, K.; The Pennsylvania State University, Harrisburg, 777 W. Harrisburg Pike, Middletown, PA 17057, United States
Ziegelmeyer, M.; Banque centrale du Luxembourg and Munich Center for the Economics of Aging, 2, boulevard Royal, 2983 Lu
Product Design, Citrix SystemsUnited States
Goette, L.; Department of Economics, Faculty of Business and Economics, University of Lausanne, 1015 Lausanne-Dorigny, Swi
Ward, K.
Glukhov, V.; Far Eastern Federal University, 8 Suhanova St., Vladivostok, 690950, Russian Federation
Gathergood, J.; School of Economics, University Park, Nottingham NG7 2RD, United Kingdom; email: john.gathergood@notting
Butters, R.B.; University of Nebraska-LincolnUnited States; email: rbutters3@unl.edu
Shahrabani, S.; Department of Economics and Management, Max Stern Yezreel Valley College, P.O. Emek, Yezreel 19300, Israe
Chan, C. C.; Department of Applied Social Sciences, Hong Kong Polytechnic UniversityHong Kong; email: sschchan@polyu.edu.
Kok, N.; Maastricht University NetherlandsNetherlands; email: n.kok@maastrichtuniversity.nl
Department of Economics, University of ChileChile
Federal Reserve BoardUnited States
Clark, G.L.; Smith School of Enterprise and the Environment, University of Oxford, Hinshelwood Road, Oxford OX1 3QY, United
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De Haan, J.; De Nederlandsche Bank, PO Box 98, 1000 AB, Amsterdam, Netherlands; email: j.de.haan@dnb.nl
Page, J.; School of Social Work, Texas A and M University at Commerce, PO Box 3011, Commerce, TX 75429-3011, United State
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Tomas Bata University in Zlín, Department of Finance and Accounting, T.G. Masaryk Square 5555, 760 01 Zlín, Czech Republic
Söderberg, I.-L.; Centre for Banking and Finance (Cefin) at The Royal Institute of Technology, Stockholm, Sweden; email: ingali
Brown, R.P.C.; School of Economics, University of Queensland, St Lucia, Brisbane, Australia

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Zocchi, P.; Department of Economics and Business Studies, Università degli Studi del Piemonte Orientale A. Avogadro, Novara,
Mahdzan, N. S.; Department of Finance and Banking, University of Malaya, 50603 Kuala Lumpur, Malaysia; email: n_shahnaz@
Sabarwal, S.; Population Council, New Delhi, India; email: shagun.sabarwal@gmail.com
Mahdzan, N.S.; Faculty of Business and Accountancy, University of Malaya, 50603 Lembah Pantai Kuala Lumpur, Malaysia; em
Söderberg, I.; Centre for Banking and Finance, School of Architecture and the Built Environment, Royal Institute of Technology
Petersen, C.M.; University of Minnesota Extension, Minneapolis, MN, United States; email: Peter210@umn.edu
Ferguson Jr., R.W.; TIAA-CREFUnited States
Swanson, P.C.W.; University of California Cooperative Extension, San Diego, CA, United States; email: pwswanson@ucdavis.ed
Massoud, N.; Schulich School of Business, York University, Toronto, Canada; email: nmassoud@schulich.yorku.ca
Kumar, N.; School of Information, University of California, Berkeley, United States
Starobin, S. S.; School of Education, Iowa State University, N131 Lagomarcino Hall, Ames, IA 50011, United States; email: Staro
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Ekanem, I.; Business and Management Department, Middlesex University Business School, The Burroughs, London NW44BT, U
Silvia, J.E.; Northeastern University, Upstate, NY, United States
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Jokela, B.H.; University of Minnesota Extension, Family Resource Management Regional Extension, Cloquet, MN, United State
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Cameron, M.P.; Department of Economics, University of Waikato, Hamilton, New Zealand; email: mcam@waikato.ac.nz
Postmus, J. L.; Center on Violence Against Women and Children, School of Social Work, Rutgers University, 536 George Street,
Pinto, L. E.; College of Education, Niagara University, Toronto, Canada; email: lpinto@niagara.edu
Department of Economics, Brown University, Providence, RI 02912, United States
ington, DC, March, , http://www.ebri.org/surveys/preparing.pdf, accessed October 21, 2011; Financial Capability in the United States: Initi
Dawes, T.A.; Washington University, St. Louis, United States; email: tadawes@wustl.edu
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Preuße, H.; Institute of Household Science, Justus Liebig University Gieben, Bismarckstr. 37, 35390 Gießen, Germany; email: he
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Gale, W.G.; Federal Economic Policy, Brookings InstitutionUnited States
Bowers, S.; University of Otago Wellington - Public Health, PO Box 7343 Mein St, Newtown, Wellington 6021, New Zealand; em
Behrman, J.R.; Dept. of Economics and Sociology, School of Arts and Sciences, University of Pennsylvania, 3718 Locust Walk, 1
Gustman, A.L.; Department of Economics, Dartmouth College, Hanover, NH 03755, United States; email: Alan.L.Gustman@dar
Robinson, D.T.; Duke UniversityUnited States; email: davidr@duke.edu

Lusardi, A.; George Washington University School of Business, Washington, DC, United States
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Neshkova, M. I.; Department of Public Administration, Florida International University, 11200 8th Street, PCA 350B, Miami, FL
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Gathergood, J.; University of Nottingham, School of Economics, Nottingham NG7 2RD, United Kingdom; email: john.gathergoo
Sachse, K.; Technische Universität (TU) Berlin, Department of Psychology and Ergonomics, FR 2-6, Franklinstraße 28/29, 10587
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van Rooij, M.C.J.; Economics and Research Division, De Nederlandsche Bank, P.O. Box 98, 1000 AB, Amsterdam, Netherlands; e
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Smith, C.; University of Minnesota, Department of Food Science and Nutrition 225 FScN, 1334 Eckles Ave., St. Paul, MN 55108
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Postmus, J. L.; Center on Violence Against Women and Children, Rutgers University, School of Social Work, 536 George Street,
Paolacci, G.; Erasmus University Rotterdam, Laboratorio di Economia Sperimentale, Fondazione Ca' Foscari, Dorsoduro 3858, 3
Livengood, S.P.; University of Akron, Wayne CollegeUnited States; email: steph25@uakron.edu
Ohlsson, C.; School of Business, Economics and Law, Göteborg University, Göteborg, Sweden; email: claes.ohlsson@gri.gu.se
Delafrooz, N.; Department of Resource Management and Consumer Studies, Faculty of Human Ecology, Universiti Putra Malay
Remmele, B.; WHL Graduate School of Business and Economics, Lahr, Germany; email: bernd.remmele@whl-lahr.de
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Agnew, J.R.; College of William and Mary, Mason School of Business, P.O. Box 8795, Williamsburg, VA 23187, United States; em
Hecht, C.; FX Strategy Research, Commerzbank AG, Frankfurt am Main, Germany; email: carolin.hecht@commerzbank.com
Morrin, M.; Department of Marketing, School of Business, Rutgers UniversityUnited States; email: mmorrin@rutgers.edu
Elbogen, E. B.; Forensic Psychiatry Program and Clinic, Department of Psychiatry, University of North Carolina-Chapel Hill Scho
Osei-Assibey, E.; Graduate School of International Development, Nagoya University, Nagoya, Japan; email: oassibey@yahoo.co
Johri, A.; Department of Engineering Education, Virginia TechUnited States
Chlouba, T.; University of Hradec Králové, Rokitanského 62, Hradec Králové 50003, Czech Republic
Tomášková, H.; University of Hradec Králové, Rokitanského 62, Hradec Králové 50003, Czech Republic
Bolton, L.E.; Department of Marketing, Smeal College of Business, Pennsylvania State UniversityUnited States; email: boltonle@
Gaurav, S.; Indira Gandhi Institute of Development ResearchIndia; email: sarthak@igidr.ac.in
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Gill, A.M.; Department of Economics, California State University, Fullerton, United States; email: agill@fullerton.edu
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Levinger, B.; Harvard Kennedy School of Government, 79 John F. Kennedy Street, Cambridge, MA 02138, United States; email:
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Tsai, L. C.; Global Health Research Center of Central Asia and Social Intervention Group, Columbia University, New York, United
Lee, T.; Department of Communication, Bradley University, 1501 West Bradley Avenue, Peoria, IL 61625, United States; email:
Elbogen, E. B.; Unc-Chapel Hill School of Medicine, Forensic Psychiatry Program, Department of Psychiatry, CB #7160, Chapel H
Mraović, B.; Faculty of Geodesy, University of Zagreb, Zagreb, Croatia; email: branka.mraovic@public.carnet.hr
Sánchez-Rebull, M.-V.; Departamento de Gestión de Empresas Facultad de Ciencias Económicas y Empresariales, Universidad
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Farnsworth, V.; School of Education, Post-14 Research Group, University of Leeds, Leeds LS2 9JT, United Kingdom; email: V.L.F
Hite, N.G.; Emporia State University, Department of Business Administration and Education, 1200 Commercial Street, Campus
Boon, T.H.; University of Nottingham MalaysiaMalaysia; email: Hui-boon.tan@nottingham.edu.my
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Butters, R. B.; University of Nebraska-LincolnUnited States; email: rbutters3@unl.edu
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Thomas, A.; Chair for Civil Law, European and International Business Law, University of Munich Ludwigstr, 29 80539 München
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Cull, M.; University of Western SydneyAustralia
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Akhtar, M. N.; Iqra University, Islamabad CampusPakistan
Richins, M.L.; Trulaske College of Business, University of MissouriUnited States; email: richinsm@missouri.edu
Goetz, J.; Department of Housing and Consumer Economics, University of Georgia, 205 Dawson Hall, Athens, GA 30602, United
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Haynes, D. C.; Dept. of Health and Human Development, Herrick Hall, Montana State University, Bozeman, MT 59717, United
Hofer, M.; School of Education, College of William & Mary, PO Box 8795, Williamsburg, VA, 23187, United States; email: nark.h
Ghazzawi, I.; University of La VerneUnited States
Hanna, M.E.; University of Houston, Clear Lake, United States
Borodich, S.; Drury UniversityUnited States
Dvorak, T.; Union College, Economics, 807 Union St, Schenectady, United States; email: dvorakt@union.edu
Byrd, S.D.; Missouri State UniversityUnited States; email: sandrabyrd@missouristate.edu
Koh, N. K.; National Institute of Education, 1 Nanyang Walk, Singapore 637616, Singapore; email: noikeng.koh@nie.edu.sg
Croy, G.; School of Accounting, Finance and Economics, Edith Cowan University, 270 Joondalup Drive, Joondalup 6027, WA, Au
Fien, J.; RMIT University, Melbourne, VIC, Australia
Jappelli, T.; Department of Economics, University of Naples Federico II, Via Cinzia 45, 80126 Napoli, Italy; email: tullio.jappelli@
Banks, J.; Institute for Fiscal Studies, University College LondonUnited Kingdom
Fernández-López, S.; Faculty of Economics and Business, Santiago de Compostela, Spain; email: sara.fernandez.lopez@usc.es
Kindle, P. A.; CPA, LMSW, Department of Social Work, University of South Dakota, 1400 W. 22nd Street, Sioux Falls, SD 57105,
Reuben, L.; Duke University: The Fuqua School of Business, 1 Towerview Drive, Durham, NC 27708, United States; email: lucy.r
Jorgensen, B.L.; Department of Child Development and Family Relations, East Carolina University, Rivers RW 335, Greenville, N

Pettus, L.; Ernst and Young, LLPUnited States
Buckland, J.; Menno Simons College, 210-520 Portage Ave., Winnipeg, Manitoba, R3G 0G2, Canada; email: j.buckland@uwinni
Honekamp, I.; University of Bamberg, Feldkirchenstraße 21, Bamberg 96045, Germany; email: ivonne.honekamp@uni-bamber
Murphy, D. S.; School of Business and Economics, Lynchburg College, Lynchburg, VA, United States; email: Murphy.D@Lynchb
Halabi, A.K.; Department of Accounting and Finance, Monash University, Australia and School of Accountancy, University of th
Huston, S.J.; Personal Financial Planning, Texas Tech UniversityUnited States; email: sandra.huston@ttu.edu
Cude, B.J.; Department of Housing and Consumer Economics, University of GeorgiaUnited States; email: bcude@uga.edu
Wolfe-Hayes, M.A.; Knowledgeware Systems, Inc, 2525 Mill Race Road, Frederick, MD, 21701, United States; email: molly.wol
Monticone, C.; University of TorinoItaly; email: chiara.monticone@unito.it
Lusardi, A.; Dartmouth CollegeUnited States; email: Annamaria.Lusardi@dartmouth.edu

Sabri, M.F.; College of Human Ecology, Kansas State University, 302 Justin Hall, Manhattan, KS 66506-1403, United States; ema
Remund, D.L.; School of Journalism and Mass Communication, University of North Carolina, Chapel Hill, United States; email: r
DeLaune, L.D.; Department of Accounting, Louisiana State University, 3101 Patrick Taylor Hall, Baton Rouge, LA 70803, United
Bruine de Bruin, W.; Department of Social and Decision Sciences, Department of Engineering and Public Policy, Carnegie Mello
Solheim, C.A.; Department of Family Social Science, University of Minnesota, 287 McNeal Hall, 1985 Buford Avenue, St. Paul, M
Varcoe, K.P.; University of California, Riverside, United States; email: karen.varcoe@ucr.edu
Matzek, A.E.; University of Minnesota, 1985 Buford Avenue, 290 McNeal Hall, St. Paul, MN 55108, United States; email: matze
Bryant, J. H.; Operation HOPEUnited States
Abreu, M.; CISEP, ISEG, Technical University of Lisbon, Rua Miguel Lupi 20, 1200-725 Lisboa, Portugal; email: mabreu@iseg.utl
Kefela, G.T.; DTAG Inc., 2300 Airport Blvd., San Jose, CA 95110, United States; email: Gtesfai@hotmail.com
Watson, M.; Department of Politics and International Studies, University of Warwick, Social Studies Building, Coventry, CV4 7A
Subactagin-Matto, A.; Victoria University of WellingtonNew Zealand
Choi, J. J.; Yale School of Management, P.O. Box 208200, New Haven, CT 06520-8200, United States; email: james.choi@yale.e
Scott, R. H.; Department of Economics and Finance, Monmouth University, 400 Cedar Ave., West Long Branch, NJ 07764, Unite
Kojo Oseifuah, E.; Department of Accounting and Auditing, University of Venda, Thohoyandou, South Africa
Allen, S. F.; School of Social Work, University of South Florida St Petersburg, 140 7th Ave., South, St Petersburg, FL 33701, Unit
Gallery, G.; Queensland University of TechnologyAustralia
Hendriks, T.P.
an Effective National Strategy, , GAO-07-100 (Washington, D.C.: Dec. 4; (2009) Defined Benefit Pensions: Survey Results of the Nation's Lar
Hendriks, T.P.
O'Neill, B.; Rutgers Cooperative Extension, Cook College Office Building, Rutgers University, New Brunswick, NJ, 08901, United
Brooks, J. S.; Department of Educational Leadership and Policy Analysis, College of Education, University of Missouri, 202 Hill H
Ramsay, I.
Waine, B.; Institute of Applied Social Studies, University of Birmingham, Birmingham, B15 2TT, United Kingdom; email: b.waine
Sanusi, Z. M.; Accounting Research Institute (ARI), Universiti Teknologi MARA, Menara SAAS, 40450 Shah Alam, Malaysia; ema
Loibl, C.; Ohio State UniversityUnited States
Taylor, C.; Monash UniversityAustralia
Gratton-Lavoie, C.; Department of Economics, California State University, Fullerton, CA, United States
Hassan Al-Tamimi, H.A.; Department of Accounting, Finance and Economics, College of Business Administration, University of
Worthington, A.C.; Department of Accounting, Finance and Economics, Griffith University, Brisbane, Australia
Huisamen, A.; Police Social Work Services, SAPS, Mossel Bay, South Africa
Coda Moscarola, F.; Center for Research on Pensions and Welfare Policies (CeRP), Collegio Carlo Alberto, Moncalieri, Turin, Ita
Ford, M.W.Nunn Drive, United States; email: fordmw@nku.edu
Dworsky, L.N.
Strauss, K.; School of Geography, Oxford University, Centre for the EnvironmentUnited Kingdom
Wójcik, D.; Oxford University, Centre for the EnvironmentUnited Kingdom
Nurullah, M.; Department of Accounting and Finance, Kingston University London, Kingston Hill Campus, Surrey KT2 7LB, Unite
Rahmat, M. M.; Faculty of Economics and Business, School of Accounting, Universiti Kebangsaan Malaysia, Bangi, Malaysia; em
Finlayson, A.; Department of Politics and International Relations, Swansea University, James Callaghan Building, Swansea SA2
Hermens, A.; Graduate School of Business, University of Technology, Sydney, Australia; email: Antoine.hermens@uts.edu.au
Wunder, T.; University of TexasUnited States
Duffy, D.; Economic and Social Research Institute, Dublin, Ireland
Devane, B.; Department of Curriculum and Instruction, University of Wisconsin-Madison, 225 North Mills Street, Madison, WI
Marar, P.; The Hongkong and Shanghai Banking Corporation Limited, Mumbai, India
Cardak, B.A.; Department of Economics and Finance, La Trobe University, Kingsbury Drive, Bundoora, Vic. 3086, Australia; ema
Calvet, L. E.; Department of Finance, HEC Paris, 1 avenue de la Libération, 78351 Jouy-en-Josas, France; email: calvet@hec.fr
Estelami, H.; Graduate School of Business, Fordham University, 113 West 60th Street, New York, NY 10023, United States
Gerrans, P.
Schuchardt, J.; Cooperative State Research, Education, and Extension Service, USDA, 1400 Independence Ave, Washington DC
Rebeck, K.C.; St. Cloud State UniversityUnited States
Mandell, L.; Foster School of Business and Aspen Institute, University of Washington, Seattle WA 98195-3200, United States; e
Moses, J.
Tymoigne, E.; Department of Economics, California State UniversityUnited States
Way, W. L.; School of Human Ecology and Robert M, La Follette School of Public Affairs, 1305 Linden Drive, Madison, WI 53706
Mccormick, M. H.; Networks Financial Institute at Indiana State University, 2902 N. Meridian St, Indianapolis, IN 46208, United
Chui, M. A.; University of Wisconsin - Madison, School of Pharmacy, 2513 Rennebohm Hall, 777 Highland Avenue, Madison, W
ateer of Pennsylvania State University, author of Economics in the Movies, and Kim Marie McGoldrick of the University of Richmond, mem
Kurunmäki, L.; London School of Economics and Political ScienceUnited Kingdom
Tawfik, H.; Deanery of Business and Computer Sciences, Liverpool Hope UniversityUnited Kingdom; email: tawfikh@hope.ac.u
Hill, R.R.; University of Houston, Clear Lake, United States

Mandell, L.; Department of Finance, State University of New York at Buffalo, University at Buffalo, Buffalo, NY 14260-4000, Un
Shipley, C.; Henderson State UniversityUnited States
Department of Consumer Sciences, Ohio State University, Columbus, OH 43210, United States
Fogel, S.J.; School of Social Work, MGY 132, University of South Florida, 4202 E. Fowler Ave., Tampa, FL 33620, United States; e
Huang, R.; Deanery of Business and Computer Sciences, Liverpool Hope UniversityUnited Kingdom; email: huangr@hope.ac.uk
Rae, D.; Lincoln Business School, University of Lincoln, Lincoln, United Kingdom; email: drae@lincoln.ac.uk
; Remarks by the President in Roundtable Interview with Business Reporters (Aug. 8, 2007), http://www.washingtonpost.com/wp-dyn/con
Engelbrecht, L.; Department of Social Work, University of Stellenbosch, Stellenbosch, South Africa
Werner, C.; Graduate School MSE Markets and Social Systems, Department of Finance, Bamberg University, Bamberg, German
ment Investments (1999) Management Science, 45, pp. 364-381. , and; Brown, C., Krishna, A., A Metacognitive Account for the Effects of D
Servon, L. J.; New School for Management and Urban Policy, New York, United States; email: servonL@newschool.edu
Pankow, D.; North Dakota State University, Fargo, ND, United States; email: Debra.Pankow@ndsu.edu
Fry, T. R. L.; School of Economics, Finance and Marketing, RMIT University, GPO Box 2476V, Melbourne, VIC 3001, Australia; em
Worthington, A.C.; Department of Accounting, Finance and Economics, Griffith University, Nathan, QLD 4111, Australia; email:
Lusardi, A.; Department of Economics, Dartmouth College, Hanover, NH 03755, United States; email: Annamaria.lusardi@Dart
Engelbrecht, L.; University of Stellenbosch, Arts Building, Matieland 7602, South Africa; email: lke@sun.ac.za
Finlayson, A.; Department of Politics and International Relations, Swansea University, Swansea, United Kingdom
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2nd International Seminar on Innovation in Mathematics and Mathemathics Education, ISIMMED 20

27th International Conference on Computers in Education, ICCE 2019
17th International Conference on ICT and Knowledge Engineering, ICT and KE 2019
17th IEEE International Conference on Emerging eLearning Technologies and Applications, ICETA 201
11th International Conference on Education Technology and Computers, ICETC 2019

1st International Annual Meeting on STEM Education, IAMSTEM 2018
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20th European Conference on Knowledge Management, ECKM 2019
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3rd World Conference on Technology, Innovation and Entrepreneurship, WOCTINE 2019
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14th European Conference on Innovation and Entrepreneurship, ECIE 2019
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2018 Siberian Transport Forum - TransSiberia, TS 2018
3rd International Conference on Circuits and Systems, CAS 2018
1st International Geographical Conference of North Asian Countries on China-Mongolia-Russia Econo
International Conference on Informatics, Engineering, Science and Technology, INCITEST 2018

10th International Conference on Information Management and Engineering, ICIME 2018
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2018 International Conference on ICT for Rural Development, IC-ICTRuDEv 2018
25th National Symposium on Mathematical Sciences: Mathematical Sciences as the Core of Intellect
125th ASEE Annual Conference and Exposition

2018 CHI Conference on Human Factors in Computing Systems, CHI EA 2018
2018 CHI Conference on Human Factors in Computing Systems, CHI 2018
1st International Conference on Industrial and Systems Engineering, IConISE 2017
4th Consortium Asia-Pacific Education Universities, CAPEU 2017
brokers as Credit Tightens | CER (2015), http://www.chinaeconomicreview.com/china-sme-lending-shadowbanking-pawnshop-credit, Acc
10th International Conference on Computational Collective Intelligence, ICCCI 2018
19th International scientific conference Energy Management of Municipal Transportation Facilities
17th IFIP WG 6.11 Conference on e-Business, e-Services, and e-Society, I3E 2018
13th European Conference on Innovation and Entrepreneurship, ECIE 2018
5th European Conference on Information Literacy in the Workplace, ECIL 2017

32nd International Business Information Management Association Conference, IBIMA 2018
6th International Conference on Data Science, Technology and Applications, DATA 2017
18th International Multidisciplinary Scientific Geoconference, SGEM 2018

31st International Business Information Management Association Conference: Innovation Managemen
5th International Conference on HCI in Business, Government, and Organizations, HCIBGO 2018 Held a
39th International Conference on Information Systems, ICIS 2018
32nd International Business Information Management Association Conference, IBIMA 2018
Proceedings of the International Conference on Industrial Engineering and Operations Management

Multikonferenz Wirtschaftsinformatik, MKWI 2018 - Multiconference on Business Informatics, MKWI

3rd International Conference on Communication and Information Processing, ICCIP 2017
2017 International Conference on E-Education, E-Business and E-Technology, ICEBT 2017
12th Iberian Conference on Information Systems and Technologies, CISTI 2017
Germany (2011) Journal of Pension Economics and Finance, 10 (4), pp. 565-584; Clark, G., Financial Literacy in Context: A Rejoinder (2014)
1st Annual Applied Science and Engineering Conference, AASEC 2016, in conjunction with the Interna
10th International Conference on Theory and Practice of Electronic Governance, ICEGOV 2017
10th International Conference on Theory and Practice of Electronic Governance, ICEGOV 2017
16th International Scientific Conference Reliability and Statistics in Transportation and Communicati
6th International Conference on Data Science, Technology and Applications, DATA 2017
16th IFIP TC13 International Conference on Human–Computer Interaction, INTERACT 2017
2nd Congress on Technology in Education, Ctrl + E 2017
Academy of Sciences
29th International Business Information Management Association Conference - Education Excellenc
30th International Business Information Management Association Conference - Vision 2020: Susta
7th International Conference on Software Development and Technologies for Enhancing Accessibility
11th ACM SIGCHI Conference on Designing Interactive Systems, DIS 2016
2016 IEEE Global Engineering Education Conference, EDUCON 2016

20th World Multi-Conference on Systemics, Cybernetics and Informatics, WMSCI 2016
20th World Multi-Conference on Systemics, Cybernetics and Informatics, WMSCI 2016

5th International Conference on Design, User Experience, and Usability, DUXU 2016 Held as Part of
4th European Conference on Information Literacy, ECIL 2016
4th European Conference on Information Literacy, ECIL 2016

10th International Conference on Universal Access in Human-Computer Interaction, UAHCI 2016 and
12th Joint International Conference on Semantic Systems, SEMANTiCS 2016 and the 1st Internation
17th International ACM SIGACCESS Conference on Computers and Accessibility, ASSETS 2015
3rd International Conference on Technological Ecosystems for Enhancing Multiculturality, TEEM 201
33rd Annual European Conference on Cognitive Ergonomics 2015, ECCE 2015
33rd Annual CHI Conference on Human Factors in Computing Systems, CHI 2015
Decima Cuarta Conferencia Iberoamericana en Sistemas, Cibernetica e Informatica, CISCI 2015, Deci
10th International Conference on Persuasive Technology, PERSUASIVE 2015

3rd International Conference on Design, User Experience, and Usability: User Experience Design Pra
9) Brookings Papers on Economic Activity, pp. 51-101. , Fall; Agarwal, S., Skiba, P.M., Tobacman, J., Payday loans and credit cards: New liqu
121st ASEE Annual Conference and Exposition: 360 Degrees of Engineering Education
13th European Conference on e-Learning, ECEL 2014
24th International Business Information Management Association Conference - Crafting Global Comp
35th International Conference on Information Systems: Building a Better World Through Information
12th International Conference on Interaction Design and Children, IDC 2013
aving behavior and financial problem among employees in Malaysia (2011) Australian Journal of Basic and Applied Sciences, 5 (7), pp. 222
, N.S., Do consumers choose the right credit contracts? (2007), Working paper, University of Pennsylvania; Agarwal, S., Driscoll, J.C., Laibso
14th International Conference on Grey Literature: Tracking Innovation Through Grey Literature, GL 2
18th Americas Conference on Information Systems 2012, AMCIS 2012

0) The New York Times, 15. , http://dealbook.nytimes.com/2010/2007/2016/financial-oversight-bill-signals-shift-onderegulation/, July, Re
119th ASEE Annual Conference and Exposition

World Conference on Educational Technology Researches, WCETR-2011
World Conference on Educational Technology Researches, WCETR-2011
ell, C.S., Bravo, D., Financial Literacy, Schooling, and Wealth Accumulation (2010), NBER WP 16452; (1995) Tax Policy and Economic Growt
view, 54, pp. 18-38; Cronqvist, H., Thaler, R.H., Design choices in privatized social-security systems: Learning from the Swedish experience
ly, S.G., Household financial management: the connection between knowledge and behavior (2003) Federal Reserve Bulletin, 89, pp. 309-
rom urban and rural Russia (2006), IZA Working Paper No. 2236; Gavrilova, N.S., Gavrilov, L.A., (2009) International Handbook of Populatio
ks, J., Oldfield, Z., Understanding pensions: cognitive functions, numerical ability and retirement saving (2007) Fiscal Studies, 28 (2), pp. 14
ervizi bancari e finanziari. Correttezza delle relazioni tra intermediari e clienti, , Rome, Italy, Banca d'Italia; Indagini campionarie (2010), I b
ry, B., (2010) The Material Wellbeing of Older New Zealanders, , Wellington, Ministry of Social Development; (2010) Financial Literacy Stra
., Coppola, M., Essig, L., Eymann, A., Schunk, D., (2009) The German SAVE Study – Design and Results, , Mannheim, Mannheim Institute for
ER Working Paper (1983), p. 1207; Lusardi, A., Mitchell, O., Baby boomers retirement security: the role of planning, financial literacy and h
1st World Conference on Learning, Teaching and Administration, WCLTA-2010
2009 International Conference on Engineering Education, ICEED2009 - Embracing New Challenges in
2008 International Conference on Innovations in Information Technology, IIT 2008
EMS 2008, European Modelling Symposium, 2nd UKSim European Symposium on Computer Modelling
1940); (reviewing INST. FOR CONSUMER EDUC., PROCEEDINGS OF A NATIONAL CONFERENCE ON CONSUMER EDUCATION (1939)). In the
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ng Paper (WP 2005:11). Bergen: Chr. Michelsen Institute (Available at: www.cmi.no/publications/file/ ?2021=accountability-on-the-move
Innovations'07: 4th International Conference on Innovations in Information Technology, IIT

27th Annual National Conference of the American Society for Engineering Management 2006 - Mana
n (2001) Marketing News, 35 (4), p. 5. , 12 February; DeLoughry, T.J., Will higher education thrive or wither in Cyberspace? High level admi
ww.cbanet.org, accessed 26 July 2005; The baby boom, the baby bust, and asset markets (1998) FRBSF Economic Letter, pp. 98-20. , www
rends 35: 2005 Edition, p. 4. , Chapter 1: Population, Table 1.2; Social Trends 35: 2005 Edition, p. 90. , Chapter 4: Labour Market, Table4.27
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ASEE 2004 Annual Conference and Exposition, "Engineering Researchs New Heights"
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ontent standards for America's schools: Rationale and development (1998) Journal of Economic Education, 29 (Spring), pp. 139-149; Wals
2000 ASEE Annual Conference and Exposition: Engineering Education Beyond the Millenium
92) Generations, 17 (3); Cantor, M.H., (1994) Family Care-giving: Agenda for the Future, , San Francisco: American Society on Aging; (1993
York: Simon and Schuster; Brown, C., Medoff, J., Trade unions in the production process (1978) Journal of Political Economy, 86 (June), pp
Conference date Conference location Conference code ISSN
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5 July 2018 through 7 July 2018 140780

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27 August 2017 through 29 August 2017 137617 0094243X
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23 June 2018 through 27 December 2018 138114 21535965
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22 May 2017 through 23 May 2017 135296 17578981
hadowbanking-pawnshop-credit, Accessed July 8; China's SMEs Head for Pawnbrokers as Credit Tightens | CER (2015), http://www.chinae
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10 April 2017 through 13 April 2017 209159 21945357
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29 October 2018 through 1 November 2018 140898 21698767

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teracy in Context: A Rejoinder (2014) Economic Geography, 90 (1), pp. 29-31; Clark, G., Roepke Lecture in Economic Geography-Financial L
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3 May 2017 through 4 May 2017 129797
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15 June 2014 through 18 June 2014 Indianapolis, IN 106581
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24 June 2013 through 27 June 2013 New York, NY 97980
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c and Applied Sciences, 5 (7), pp. 222-228; (2010) Number of Bankruptcy Cases Registered In First Quarter of Year
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9 August 2012 through 12 August 2012 Seattle, WA 96914
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10 June 2012 through 13 June 2012 San Antonio, TX 91898 21535965
5 July 2011 through 9 July 2011 Nicosia/Kyrenia 18770428
5 July 2011 through 9 July 2011 Nicosia/Kyrenia 18770428
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ither in Cyberspace? High level administrators meet to debate on future of university higher educati 13960466
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20 June 2004 through 23 June 2004 Salt Lake City, UT 63591 1901052
20 June 2004 through 23 June 2004 Salt Lake City, UT 63591 1901052
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29959085 English
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9.781523E+12 1522540350 9.781523E+12

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29558982 English
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R (2015), http://www.chinaeconomicreview.com/china-sme-lendingshadow-banking-pawnshop-credit, Accessed August 7, 2015; The Eco
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AJPEA 29443561 English
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MDLCB 29901572 English
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nomic Geography-Financial Literacy in Context (2014) Economic Geography, 90 (1), pp. 1-23; (2012) Charting a Course: A Review of Financ
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9.781615E+12 26630513 English
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Working paper, Chicago FED; Agnew, J., Balduzzi, P., Sundén, A., Portfolio choice and trading in a large 401(k) plan (2003) American Econom
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21987509 English
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t Exercises in Political Thought, , New York: Viking Press; Arendt, H., (1998) The Human Condition, , Chicago: University of Chicago Press; (1
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19513143 English
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both in the United States and abroad; JUMP$TART, C., FINANCIAL, L., IMPROVING, E., (2006) NATIONAL JUMP$TART COALITION SURVEY, 1
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16833075 English
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February 2005; Ferguson, R., (2002) Reflections on Financial Literacy, , www.federalreserve.gov/boarddocs/speeches/2002/20020513/de
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Abbreviated Source Title
Int. J. Adv. Sci. Technol.
Front. Psychol.
Agric. Financ. Rev.
Test Eng Manage
Int. J. Emerg. Mark.
Int. J. Emerg. Mark.
Manag. Financ.
Int. J. Sci. Technol. Res.
J. Consum. Aff.
Empir. Res. Vocat. Educ. Train.
Finance India
Swiss J. Econ. Stat.
J. Consum. Aff.
Finan. Res. Lett.
Asian Pac. Migr. J.
Vision
J. Rural Stud.
Sustainability
J. Nurs. Adm.
Brit. J. Sociol.
Swiss J. Econ. Stat.
Acad. Strateg. Manage. J
Eur. J. Educ.
Int. J. Enterp.
Math. Educ. Res. J.
J. Consum. Aff.
J. Consum. Aff.
Math. Educ. Res. J.
J. Phys. Conf. Ser.

ICCE - Int. Conf. Comput. Educ., Proc.
Int. J. Ethics. Syst.
Int. Conf. ICT Knowl. Eng.
Affilia J. Women Soc. Work
ICETA - IEEE Int. Conf. Emerg. eLearning Technol. Appl., Proc.
Econ. Notes
Indian J. Financ.
East Eur. Polit. Soc.
J. Public Aff.
Ger. Econ. Rev.
Soc. Work
ACM Int. Conf. Proc. Ser.
J. Phys. Conf. Ser.
Turk. Stud.
Int. J. Soc. Econ.
J. Model. Manage.
J. Career Dev.
J. Soc. Stud. Res.
Int. J. Recent Technol. Eng.
Econ. Polit. Wkly.
Sports Bus. Manage.
J. Psychol. Afr.
Int. J. Bank Mark.
Intern. J. Financial Stud.
J. Sociol. Soc. Welf.
Int. Rev. Econ. Educ.
Contemp. Account. Res.
Poverty Public Policy
J. Consum. Aff.
Educ. Sci.
J. Consum. Aff.
J. Bus. Res.
J. Consum. Aff.
Int. Conf. Virtual Worlds Games Serious Appl., VS-Games - Proc.
J. Consum. Aff.
J. Consum. Aff.
J. Bank. Financ.
Int. J. Innov. Technol. Explor. Eng.
Manage. Decis.
Educ. 3-13
BMC Women's Health
Child Indic. Res.
J. Eng. Des. Technol.
Int. J. Manage. Finan.

Soc. Responsib. J.
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ad/2006%20Executive%20Summary%20Dr aft%20Final.doc, See, available at; See U.S. GOV'T ACCOUNTABILITY OFFICE, EMPLOYER-SPONS
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Financing Low-Income Comm.: Models, Obstacles, and Fut. Dir.
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nomic Education, Washington D.C., 13 May accessed 4 January 2004; Greenspan, A., (2003) Financial Education, , www.federalreserve.gov
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ins/2014/11/economist-explains-6, Accessed April 27, 2015; The Economist Explains: Why Does Kenya Lead the World in Mobile Money? |
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005) Why Financial Capability Matters, , http://www.fcac-acfc.gc.ca/Eng/resources/researchSurveys/Pages/WhyFinan-Pourquoi, Ottawa: F
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Bank., Financ., and Account.: Concepts, Methodol., Tools, and Appl.

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Corp. Governance: An Intl. Perspect.
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Soc. Security and Pension Reform: International Perspectives

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rity and the Financial Marketplace, pp. 158-180. , edited by Olivia S. Mitchell and Annamaria Lusardi, Oxford and New York: Oxford Univer
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NTABILITY OFFICE, EMPLOYER-SPONSORED HEALTH AND RETIREMENT BENEFITS 28-31, 38 fig.4 (2007) available at http://www.gao.gov/ne
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Education, , www.federalreserve.gov/boarddocs/speeches/2003/20030926/default.htm, Remarks, 33rd Annual Legislative Conference of
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Access Type Source EID
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Scopus 2-s2.0-85070277548
Scopus 2-s2.0-85065520642
Scopus 2-s2.0-85069432979
Scopus 2-s2.0-85067987924
Scopus 2-s2.0-85065705237
Scopus 2-s2.0-85064045086
Scopus 2-s2.0-85045383949
Scopus 2-s2.0-85028749892
Scopus 2-s2.0-85065520354
Scopus 2-s2.0-85066730752
Scopus 2-s2.0-85062226335
Scopus 2-s2.0-85067891721
Scopus 2-s2.0-85065432946
Scopus 2-s2.0-85066994579
Scopus 2-s2.0-85063573795
Final Scopus 2-s2.0-85078941510
Scopus 2-s2.0-85053824051
Scopus 2-s2.0-85062937636
Scopus 2-s2.0-85018708328
Scopus 2-s2.0-84997637166
Scopus 2-s2.0-85071365830
Scopus 2-s2.0-85061987736
Scopus 2-s2.0-85071390908
Scopus 2-s2.0-85065464940
Scopus 2-s2.0-85058242011
Scopus 2-s2.0-85071865440
Final Scopus 2-s2.0-85073281172
Scopus 2-s2.0-85067052556
Scopus 2-s2.0-85062470406
Scopus 2-s2.0-85062889961
Scopus 2-s2.0-85053442977
Scopus 2-s2.0-85058575949

Scopus 2-s2.0-85069728505
Scopus 2-s2.0-85061047639
Scopus 2-s2.0-85063560481
Scopus 2-s2.0-85063559116
Scopus 2-s2.0-85045247413
Scopus 2-s2.0-85083766604
Scopus 2-s2.0-85062651314
Scopus 2-s2.0-85042447421
Scopus 2-s2.0-85052531127
Scopus 2-s2.0-85053482934
Scopus 2-s2.0-85058841198
Scopus 2-s2.0-85051993512
Scopus 2-s2.0-85058187641
Scopus 2-s2.0-85061812480
Scopus 2-s2.0-85063889577
Scopus 2-s2.0-85050545781
Scopus 2-s2.0-85047112651
Scopus 2-s2.0-85079459645
Scopus 2-s2.0-85064160937
Scopus 2-s2.0-85060109981
Scopus 2-s2.0-84974783764
Scopus 2-s2.0-85073342628
Scopus 2-s2.0-85073827047
Scopus 2-s2.0-85066960169
Scopus 2-s2.0-85073942878
Scopus 2-s2.0-85079745654
Scopus 2-s2.0-85074793769
Scopus 2-s2.0-85076824750
Scopus 2-s2.0-85074157873
Scopus 2-s2.0-85078242018
Scopus 2-s2.0-85067311185
Scopus 2-s2.0-85076750321
Scopus 2-s2.0-85066856215
Scopus 2-s2.0-85076524204
Scopus 2-s2.0-85075356244

Scopus 2-s2.0-85078280735
Scopus 2-s2.0-85076527552
Scopus 2-s2.0-85074106205
Scopus 2-s2.0-85071429113
Scopus 2-s2.0-85077365074
Scopus 2-s2.0-85076088261
Scopus 2-s2.0-85064759093
Scopus 2-s2.0-79961172592
Scopus 2-s2.0-85078223654
Scopus 2-s2.0-85077384692
Scopus 2-s2.0-85060897065
Scopus 2-s2.0-85052645921
Scopus 2-s2.0-85074034526
Scopus 2-s2.0-85067014500
Scopus 2-s2.0-85072711669
Scopus 2-s2.0-85067397929
Scopus 2-s2.0-85064613743
Scopus 2-s2.0-85078992775
Scopus 2-s2.0-85075517599
Scopus 2-s2.0-85076825454
Scopus 2-s2.0-85074813505
Scopus 2-s2.0-85074656294
Scopus 2-s2.0-85076414410
Scopus 2-s2.0-85067107698
Scopus 2-s2.0-85069541460
Scopus 2-s2.0-85070877896
Final Scopus 2-s2.0-85060711579
Scopus 2-s2.0-85074111942
Scopus 2-s2.0-85079671226
Scopus 2-s2.0-85070869953
Scopus 2-s2.0-85067275278
Scopus 2-s2.0-85077113413
Scopus 2-s2.0-85076416429
Scopus 2-s2.0-85075429441
Final Scopus 2-s2.0-85082039553
Scopus 2-s2.0-85049535235
Scopus 2-s2.0-85074653884
Scopus 2-s2.0-85058091106
Scopus 2-s2.0-85076829071
Final Scopus 2-s2.0-85060691459
Scopus 2-s2.0-85048352077
Scopus 2-s2.0-85068602961
Scopus 2-s2.0-85065735460
Final Scopus 2-s2.0-85071800696
Scopus 2-s2.0-85074074507
Scopus 2-s2.0-85073077245
Scopus 2-s2.0-85073204740
Scopus 2-s2.0-85076745702
Scopus 2-s2.0-85069439644
Scopus 2-s2.0-85065522340
Scopus 2-s2.0-85082310478
Scopus 2-s2.0-85076840145
Scopus 2-s2.0-85070882227
Scopus 2-s2.0-85077141931
Scopus 2-s2.0-85073836450
Scopus 2-s2.0-85070238940
Scopus 2-s2.0-85067382370
Scopus 2-s2.0-85063237824
Scopus 2-s2.0-85076832916
Scopus 2-s2.0-85074618945
Scopus 2-s2.0-85077124523
Scopus 2-s2.0-85072114295
Scopus 2-s2.0-85064039282
Scopus 2-s2.0-85076839618
Scopus 2-s2.0-85071561089
Scopus 2-s2.0-85070185588
Scopus 2-s2.0-85068549595
Scopus 2-s2.0-85062429244
Scopus 2-s2.0-85070996092

Scopus 2-s2.0-85068728302
Scopus 2-s2.0-85068338262
Scopus 2-s2.0-85078360999
Scopus 2-s2.0-85076934456
Scopus 2-s2.0-85074031106
Scopus 2-s2.0-85061037573
Scopus 2-s2.0-85054911414
Scopus 2-s2.0-85074490067
Scopus 2-s2.0-85074062643
Scopus 2-s2.0-85060929608
Scopus 2-s2.0-85078970562
Scopus 2-s2.0-85067412818
Final Scopus 2-s2.0-85075835955
Scopus 2-s2.0-85058138654
Scopus 2-s2.0-85056467486
Scopus 2-s2.0-85061870328
Scopus 2-s2.0-85059227886
Scopus 2-s2.0-85026785292
Scopus 2-s2.0-85055967698
Scopus 2-s2.0-85049566322
Scopus 2-s2.0-85058140646
Scopus 2-s2.0-85058104102
Scopus 2-s2.0-85056117023

Scopus 2-s2.0-85052600766
Scopus 2-s2.0-85057840731
Scopus 2-s2.0-85052811658
Scopus 2-s2.0-85019270375
Scopus 2-s2.0-85053302793
Scopus 2-s2.0-85048863874
Scopus 2-s2.0-85052759567
Scopus 2-s2.0-85055861626
Scopus 2-s2.0-85049061745
Scopus 2-s2.0-85053276619
Scopus 2-s2.0-85056720542
Scopus 2-s2.0-85025436087
Scopus 2-s2.0-85062158022
Scopus 2-s2.0-85050350647
Scopus 2-s2.0-85061101447
Scopus 2-s2.0-85047187276
Scopus 2-s2.0-85059622221
Scopus 2-s2.0-85057475981
Scopus 2-s2.0-85055091354
Scopus 2-s2.0-85048252740
Scopus 2-s2.0-85038939204
Scopus 2-s2.0-85056445549
Scopus 2-s2.0-85018301650
Scopus 2-s2.0-85052215960
Scopus 2-s2.0-85064643871
Scopus 2-s2.0-85051118133
Scopus 2-s2.0-85052640201
Scopus 2-s2.0-85054275495
Scopus 2-s2.0-85060190738
Scopus 2-s2.0-85048834584
Scopus 2-s2.0-85056798415
Scopus 2-s2.0-85053353438
Scopus 2-s2.0-85052285541
Scopus 2-s2.0-85047834241
Scopus 2-s2.0-85047620604
Scopus 2-s2.0-85049809890
Scopus 2-s2.0-85046762687
Final Scopus 2-s2.0-85063313996
Final Scopus 2-s2.0-85063313196
Final Scopus 2-s2.0-85063314555
Scopus 2-s2.0-85049874763
Scopus 2-s2.0-85056614584
Scopus 2-s2.0-85052104449
Scopus 2-s2.0-85048215850
Scopus 2-s2.0-85065982617
Scopus 2-s2.0-85048725011
Scopus 2-s2.0-85047933992
Scopus 2-s2.0-85038012168
Scopus 2-s2.0-85046489440
Scopus 2-s2.0-85048718592
Scopus 2-s2.0-85047800467
Scopus 2-s2.0-85026753899
Scopus 2-s2.0-85048708352
Scopus 2-s2.0-85047397129
Scopus 2-s2.0-85048731410
Scopus 2-s2.0-85019539743
Scopus 2-s2.0-85046353123
Scopus 2-s2.0-85050860629
Scopus 2-s2.0-85049393791
Scopus 2-s2.0-85045708924
Scopus 2-s2.0-85056719281
Scopus 2-s2.0-85037994232
Scopus 2-s2.0-85042408537
Scopus 2-s2.0-85042173254
Scopus 2-s2.0-85043695901
Scopus 2-s2.0-85049803112
Final Scopus 2-s2.0-85059829760
Scopus 2-s2.0-85028573092
Scopus 2-s2.0-85051176060
Final Scopus 2-s2.0-85053726669
Final Scopus 2-s2.0-85053944597

Book Chapter Final Scopus 2-s2.0-85060714913
Scopus 2-s2.0-84992451712
Book Final Scopus 2-s2.0-85060691039
Scopus 2-s2.0-85049643786

Scopus 2-s2.0-85044151928
Scopus 2-s2.0-85049581815
Scopus 2-s2.0-85059082257
Final Scopus 2-s2.0-85055595666
Final Scopus 2-s2.0-85055608953
Final Scopus 2-s2.0-85053171894
Scopus 2-s2.0-85022178588
Scopus 2-s2.0-85047817550
Scopus 2-s2.0-85016514810
Scopus 2-s2.0-85049878483
Scopus 2-s2.0-85043338949
Scopus 2-s2.0-85054422391
Scopus 2-s2.0-85045928877
Scopus 2-s2.0-85038429528
Scopus 2-s2.0-85021388616
Final Scopus 2-s2.0-85052021267
Final Scopus 2-s2.0-85046949039
Scopus 2-s2.0-85031424117

Scopus 2-s2.0-85044579652
Scopus 2-s2.0-85050026987
Scopus 2-s2.0-85040714614
Scopus 2-s2.0-85052118134
Scopus 2-s2.0-85040661529
Scopus 2-s2.0-85045996816
Scopus 2-s2.0-85043275916
Scopus 2-s2.0-85044603986
Scopus 2-s2.0-85019243157
Scopus 2-s2.0-85044831061
Scopus 2-s2.0-85039560881
Scopus 2-s2.0-85041896899
Scopus 2-s2.0-85045771270
Scopus 2-s2.0-85038413330
Scopus 2-s2.0-85046060920
Scopus 2-s2.0-85033434051
Scopus 2-s2.0-85046096365
Scopus 2-s2.0-85051438652
Scopus 2-s2.0-85040686020
a Lead the World in Mobile Money? | The Economist (2016), http://www.economist.com/blogs/economist-explains/2013/05/economist-e
Scopus 2-s2.0-85033571823
Scopus 2-s2.0-85041917586
Scopus 2-s2.0-85042542811
Scopus 2-s2.0-85063337148
Scopus 2-s2.0-85043398284
Scopus 2-s2.0-85056694340
Scopus 2-s2.0-85060048353
Scopus 2-s2.0-85038866736
Scopus 2-s2.0-85050507534
Scopus 2-s2.0-85058388845
Scopus 2-s2.0-85045884872
Scopus 2-s2.0-85077397046
Scopus 2-s2.0-85053511189
Scopus 2-s2.0-85063181091
Scopus 2-s2.0-85071347578
Scopus 2-s2.0-85056513926
Scopus 2-s2.0-85056620106
Scopus 2-s2.0-85034815446
Scopus 2-s2.0-85059216923
Scopus 2-s2.0-85053148434
Scopus 2-s2.0-85039421405
Scopus 2-s2.0-85059317390
Scopus 2-s2.0-85055859028
Scopus 2-s2.0-85055435371
Scopus 2-s2.0-85064448081
Scopus 2-s2.0-85045540405
Scopus 2-s2.0-85061427963
Scopus 2-s2.0-85041300992
Scopus 2-s2.0-85041751327
Scopus 2-s2.0-85063060234
Scopus 2-s2.0-85049671573
Scopus 2-s2.0-85048990642
Scopus 2-s2.0-85082371589
Scopus 2-s2.0-85064443581
Scopus 2-s2.0-85061244821
Scopus 2-s2.0-85074287914
9.786197E+12 9.7862E+12 9786197408447 9786197408454 9786197408461 9.7862E+12
Scopus 2-s2.0-85058152108
Scopus 2-s2.0-85042355117
Scopus 2-s2.0-85049506161
Scopus 2-s2.0-85064440269
Scopus 2-s2.0-85044657294
Scopus 2-s2.0-85028309137
Scopus 2-s2.0-85049645575
Scopus 2-s2.0-85060792293
Scopus 2-s2.0-85050455799
Scopus 2-s2.0-85049654636
Scopus 2-s2.0-85067836682
Scopus 2-s2.0-85060779499
Scopus 2-s2.0-85042363735
Scopus 2-s2.0-85062485697
Scopus 2-s2.0-85065303513
Scopus 2-s2.0-85064447467
Scopus 2-s2.0-85061429713
Scopus 2-s2.0-85047220865
Scopus 2-s2.0-85063046701

Final Scopus 2-s2.0-85046927462
Scopus 2-s2.0-85038359672
Final Scopus 2-s2.0-85083221517
Scopus 2-s2.0-85067174516
Scopus 2-s2.0-85048527898
Scopus 2-s2.0-85050227902
Scopus 2-s2.0-85032731705
Scopus 2-s2.0-85029442504
Scopus 2-s2.0-85060807745
Final Scopus 2-s2.0-85064373250
Scopus 2-s2.0-85058635035
Scopus 2-s2.0-85045462715
Scopus 2-s2.0-85041351239
Scopus 2-s2.0-85073589128
Scopus 2-s2.0-85044993860
Scopus 2-s2.0-85042697607
Scopus 2-s2.0-85055194349
Final Scopus 2-s2.0-85049207337
Scopus 2-s2.0-85040041374
Scopus 2-s2.0-85044117899
Scopus 2-s2.0-85038861154
Scopus 2-s2.0-85044100407
Scopus 2-s2.0-85028763855
Scopus 2-s2.0-85041504280
Scopus 2-s2.0-85036566340
Scopus 2-s2.0-85070938625
Scopus 2-s2.0-85030243654
Scopus 2-s2.0-85042112644
Scopus 2-s2.0-85015815970
Scopus 2-s2.0-85021060643
Scopus 2-s2.0-85028330184
Scopus 2-s2.0-85032954658
Scopus 2-s2.0-85040733499
Scopus 2-s2.0-85032345305
Scopus 2-s2.0-85029169202
Scopus 2-s2.0-85028034117
Scopus 2-s2.0-85032037488
Scopus 2-s2.0-85013041530
Scopus 2-s2.0-85045885730
Scopus 2-s2.0-85020254927
Scopus 2-s2.0-85029394375
Scopus 2-s2.0-85032217202
Scopus 2-s2.0-85038587793
Final Scopus 2-s2.0-85032338036
Final Scopus 2-s2.0-85061853488
Scopus 2-s2.0-84979009377
Scopus 2-s2.0-85027535261
Scopus 2-s2.0-85000363105
Scopus 2-s2.0-85032905876
Scopus 2-s2.0-85033550858

Scopus 2-s2.0-85029804238
Scopus 2-s2.0-85018586087
Scopus 2-s2.0-85019677467
Scopus 2-s2.0-85032987554
Scopus 2-s2.0-85032227408
Scopus 2-s2.0-85032224005
Scopus 2-s2.0-85032189429
Scopus 2-s2.0-84994299080
Scopus 2-s2.0-85021944946
Scopus 2-s2.0-85027237555
Scopus 2-s2.0-84994065399
Scopus 2-s2.0-85026482395

Scopus 2-s2.0-84945218476
Scopus 2-s2.0-85026480628
Scopus 2-s2.0-84949557293
Scopus 2-s2.0-84948689027
Scopus 2-s2.0-85035781174
Pages/WhyFinan-Pourquoi, Ottawa: Financial Consumer Agency of Canada [Online] aspx. Accessed 15 Sept 2014; (2007) Financial Literacy:
Final Scopus 2-s2.0-85031849332
Scopus 2-s2.0-85020834764
Scopus 2-s2.0-85018723559
Scopus 2-s2.0-84992463407
Scopus 2-s2.0-85015608799
Scopus 2-s2.0-84958212159
Scopus 2-s2.0-85031283591
Scopus 2-s2.0-85022322765
Scopus 2-s2.0-85019054754
Scopus 2-s2.0-84986213643
Scopus 2-s2.0-85007200856
Scopus 2-s2.0-85012173256
Scopus 2-s2.0-85011968096
Scopus 2-s2.0-85018782106
Scopus 2-s2.0-85019594766

Scopus 2-s2.0-85015744995
Scopus 2-s2.0-85015716643
Scopus 2-s2.0-85011545464
Scopus 2-s2.0-85009788312
Scopus 2-s2.0-85018996765
Scopus 2-s2.0-85015785360
Scopus 2-s2.0-85019911884
Scopus 2-s2.0-85019834111
Scopus 2-s2.0-84957576470
Scopus 2-s2.0-85008311827
Scopus 2-s2.0-85015642003
Scopus 2-s2.0-85019704982
Scopus 2-s2.0-85020856762
Scopus 2-s2.0-85015099743
Scopus 2-s2.0-85062765634
Scopus 2-s2.0-85013459442
Scopus 2-s2.0-85000376640
Scopus 2-s2.0-84983249356
Scopus 2-s2.0-84923088279
Scopus 2-s2.0-84953896901
Scopus 2-s2.0-85021369326
Scopus 2-s2.0-85029852801
Scopus 2-s2.0-85007453599
Scopus 2-s2.0-85037623731
Scopus 2-s2.0-85006725480
Scopus 2-s2.0-85003550804
Scopus 2-s2.0-85066256303
Scopus 2-s2.0-84987925415
Scopus 2-s2.0-85030694198
Scopus 2-s2.0-84995480407
Scopus 2-s2.0-85049206165
Scopus 2-s2.0-85050255123
Scopus 2-s2.0-84994297181
Scopus 2-s2.0-85009727587
Scopus 2-s2.0-85030110971
Scopus 2-s2.0-85057640437
Scopus 2-s2.0-85057637369
Scopus 2-s2.0-85034593234
Scopus 2-s2.0-85033475699
Scopus 2-s2.0-85034443019
Scopus 2-s2.0-85021760554
Scopus 2-s2.0-84997050500
Scopus 2-s2.0-85020437760
Scopus 2-s2.0-85034264695
Scopus 2-s2.0-85020709363
Scopus 2-s2.0-84939503837
Scopus 2-s2.0-85034752166
Scopus 2-s2.0-85057642755
Scopus 2-s2.0-85031695983
Scopus 2-s2.0-85021748865
Scopus 2-s2.0-85021716634
Scopus 2-s2.0-85016584403
Scopus 2-s2.0-85034628629
Scopus 2-s2.0-85012041476
Final Scopus 2-s2.0-85042420393
Scopus 2-s2.0-85029442047
Scopus 2-s2.0-85026395534
Scopus 2-s2.0-85017592155
Scopus 2-s2.0-85041311092
Scopus 2-s2.0-85030669117
Scopus 2-s2.0-85021764587
Scopus 2-s2.0-85034264222
Scopus 2-s2.0-85039958329
Scopus 2-s2.0-85027992811
Scopus 2-s2.0-85071612720
Scopus 2-s2.0-85043763141
Scopus 2-s2.0-85029766079
Scopus 2-s2.0-85034592931
Scopus 2-s2.0-84995969029
Final Scopus 2-s2.0-85034818966
Scopus 2-s2.0-85034225723
Scopus 2-s2.0-85029364244
Scopus 2-s2.0-85028890040
Scopus 2-s2.0-85057643634
Final Scopus 2-s2.0-85034835654
Scopus 2-s2.0-85048465560
Scopus 2-s2.0-85033483508
Scopus 2-s2.0-85083016769
Scopus 2-s2.0-85031086345
Scopus 2-s2.0-85043766483
Final Scopus 2-s2.0-85034843034
Scopus 2-s2.0-85006324370
Scopus 2-s2.0-85000786794
Scopus 2-s2.0-84994645715
Final Scopus 2-s2.0-85048741745
Scopus 2-s2.0-85043324327
Final Scopus 2-s2.0-85034412566
Scopus 2-s2.0-85016592202
Final Scopus 2-s2.0-85034406229
Scopus 2-s2.0-85019007499
Scopus 2-s2.0-85060584397
Final Scopus 2-s2.0-85034816997
Scopus 2-s2.0-85045783001
Scopus 2-s2.0-85065301998
Scopus 2-s2.0-85034619038
Scopus 2-s2.0-85033580998
Scopus 2-s2.0-85038860649
Scopus 2-s2.0-85032989169
Scopus 2-s2.0-84877287994
Scopus 2-s2.0-85031792501
Scopus 2-s2.0-85027574054
Scopus 2-s2.0-85021701920
Scopus 2-s2.0-84995560914
Scopus 2-s2.0-85008936974
Scopus 2-s2.0-85016268234
Scopus 2-s2.0-85002599982
Scopus 2-s2.0-84994052326
Scopus 2-s2.0-85011976715
Scopus 2-s2.0-84924359836
Scopus 2-s2.0-85018364900
Scopus 2-s2.0-84996931608
Scopus 2-s2.0-85012941512
Scopus 2-s2.0-84999750810
Scopus 2-s2.0-84995686988
Scopus 2-s2.0-84924246242
Scopus 2-s2.0-84994589330
Scopus 2-s2.0-85000692655
Scopus 2-s2.0-84978045013
Scopus 2-s2.0-84987941922
Scopus 2-s2.0-84966550861
Scopus 2-s2.0-84994613973
Scopus 2-s2.0-84964033819
Scopus 2-s2.0-84983489953
Scopus 2-s2.0-84994164632
Scopus 2-s2.0-84953790436
Scopus 2-s2.0-85014382559
Scopus 2-s2.0-84990954654
Scopus 2-s2.0-84990226479
Scopus 2-s2.0-84988844084
Scopus 2-s2.0-84995912305
Scopus 2-s2.0-84995878828
Scopus 2-s2.0-84994509589
Scopus 2-s2.0-84986550996
Scopus 2-s2.0-84949551762
Scopus 2-s2.0-84981156249
Scopus 2-s2.0-84981290344
Scopus 2-s2.0-84992025858
Scopus 2-s2.0-84988589085
Scopus 2-s2.0-85010764337
Scopus 2-s2.0-84974783022
Scopus 2-s2.0-84937598383
Scopus 2-s2.0-84945206509
Scopus 2-s2.0-84974807568
Scopus 2-s2.0-84945255767
Scopus 2-s2.0-84961199623
Scopus 2-s2.0-84978151322
Scopus 2-s2.0-84961215239
Scopus 2-s2.0-84985896612
Scopus 2-s2.0-84982292506
Scopus 2-s2.0-84982806184
Scopus 2-s2.0-84975830667
Scopus 2-s2.0-84931037412

Scopus 2-s2.0-84973660954
Scopus 2-s2.0-84978632010
Scopus 2-s2.0-84960153948
Scopus 2-s2.0-84994143356
Scopus 2-s2.0-84977119721
Scopus 2-s2.0-84977100255
Scopus 2-s2.0-84976358983
Scopus 2-s2.0-85028272559
Scopus 2-s2.0-84994642892
Scopus 2-s2.0-84995400047
Scopus 2-s2.0-84985902390

Scopus 2-s2.0-84963614926
Scopus 2-s2.0-84945217150
Scopus 2-s2.0-84963562994
Scopus 2-s2.0-84979256599
Scopus 2-s2.0-84940099450
Scopus 2-s2.0-84983360259
Scopus 2-s2.0-84971012393
Final Scopus 2-s2.0-85028558918
Final Scopus 2-s2.0-85015788697
Final Scopus 2-s2.0-85028575172
Final Scopus 2-s2.0-85028542168
Final Scopus 2-s2.0-85028570258
Final Scopus 2-s2.0-85019956556
Final Scopus 2-s2.0-85028558364
Final Scopus 2-s2.0-85019908571
Final Scopus 2-s2.0-85028544005
Final Scopus 2-s2.0-85028540166
Final Scopus 2-s2.0-85028568546
Final Scopus 2-s2.0-85028558591
Final Scopus 2-s2.0-85028527546
Final Scopus 2-s2.0-85028573824
Final Scopus 2-s2.0-85015787702
Final Scopus 2-s2.0-85028561435
Final Scopus 2-s2.0-85028535712
Final Scopus 2-s2.0-85028535146
Final Scopus 2-s2.0-85028533318
Final Scopus 2-s2.0-85013493121
Final Scopus 2-s2.0-85011409704
Final Scopus 2-s2.0-85028549854
Final Scopus 2-s2.0-85028542388
Final Scopus 2-s2.0-85028532695
Final Scopus 2-s2.0-85028574606
Final Scopus 2-s2.0-85028556084
Final Scopus 2-s2.0-85028544818
Final Scopus 2-s2.0-85028569304
Final Scopus 2-s2.0-85028554286
Final Scopus 2-s2.0-85028526896
Final Scopus 2-s2.0-85028554910
Final Scopus 2-s2.0-85028575605
Final Scopus 2-s2.0-85028570144
Final Scopus 2-s2.0-85015808537
Final Scopus 2-s2.0-85028559589
Final Scopus 2-s2.0-85028571208
Final Scopus 2-s2.0-85028531776
Final Scopus 2-s2.0-85008378118
Scopus 2-s2.0-84951770086
Final Scopus 2-s2.0-85018540391
Final Scopus 2-s2.0-85018555381
Final Scopus 2-s2.0-85018566252
Final Scopus 2-s2.0-85018591842
Scopus 2-s2.0-84960155077
Scopus 2-s2.0-84960097847
Scopus 2-s2.0-84963955057
Scopus 2-s2.0-84960153652
Scopus 2-s2.0-84945242025
Scopus 2-s2.0-84939161307
Scopus 2-s2.0-84949921803
Scopus 2-s2.0-84954487906
Scopus 2-s2.0-85007490114
Scopus 2-s2.0-84996551856
Final Scopus 2-s2.0-84982221051
Scopus 2-s2.0-84954433351
Final Scopus 2-s2.0-85052450430
Final Scopus 2-s2.0-85052455499
Final Scopus 2-s2.0-85052472975
Final Scopus 2-s2.0-85052461075
Final Scopus 2-s2.0-85052481354
Final Scopus 2-s2.0-85052472522
Final Scopus 2-s2.0-85052474256
Scopus 2-s2.0-84955407163
Scopus 2-s2.0-84961256473
Scopus 2-s2.0-84949895058
Scopus 2-s2.0-84966704832
Scopus 2-s2.0-85014045801
Scopus 2-s2.0-84948714955
Scopus 2-s2.0-84988734857
Scopus 2-s2.0-85025435558
Final Scopus 2-s2.0-85033610186
Final Scopus 2-s2.0-85068358664
Scopus 2-s2.0-85016811947
Scopus 2-s2.0-84984804739
Scopus 2-s2.0-85016777193
Scopus 2-s2.0-85015308243
Scopus 2-s2.0-84994149349
Scopus 2-s2.0-85016331409
Scopus 2-s2.0-85013150717
Scopus 2-s2.0-84947035616
Scopus 2-s2.0-84977571822
Scopus 2-s2.0-85008145363
Scopus 2-s2.0-84996538770
Final Scopus 2-s2.0-85068411452
Scopus 2-s2.0-84996615338
Final Scopus 2-s2.0-85020804050
Final Scopus 2-s2.0-85042656890
Final Scopus 2-s2.0-85020828440
Scopus 2-s2.0-84977479279
Scopus 2-s2.0-85038090805
Scopus 2-s2.0-84989332201
Scopus 2-s2.0-85002563393
Scopus 2-s2.0-85053491577
Scopus 2-s2.0-85007099058
Scopus 2-s2.0-85003550862
Scopus 2-s2.0-84977509383
Final Scopus 2-s2.0-85068400326
Scopus 2-s2.0-85007502828
Scopus 2-s2.0-85019030259
Scopus 2-s2.0-85012115852
Scopus 2-s2.0-84990211317
Scopus 2-s2.0-84979846030
Scopus 2-s2.0-85012188665
Scopus 2-s2.0-84960423269
Final Scopus 2-s2.0-85068376651
Scopus 2-s2.0-85017587014
Scopus 2-s2.0-85009850835
Scopus 2-s2.0-84977512929
Scopus 2-s2.0-84976564283
Scopus 2-s2.0-84989861060
Scopus 2-s2.0-84983505501
Scopus 2-s2.0-84978962317
Scopus 2-s2.0-84962723353
Scopus 2-s2.0-84958693879
Scopus 2-s2.0-85019707079
Scopus 2-s2.0-85017333305
Scopus 2-s2.0-84963852289
Scopus 2-s2.0-85043753940
Scopus 2-s2.0-84973115788
Scopus 2-s2.0-84959173390
Final Scopus 2-s2.0-85068361777
Final Scopus 2-s2.0-85020787512
Scopus 2-s2.0-84955240067
Scopus 2-s2.0-85071482367
Scopus 2-s2.0-85014505449
Scopus 2-s2.0-84978923072
Scopus 2-s2.0-84992398781
Final Scopus 2-s2.0-84978285939
Scopus 2-s2.0-84984639502
Scopus 2-s2.0-85027356214
Scopus 2-s2.0-85009823681
Scopus 2-s2.0-85000580240
Scopus 2-s2.0-84949492314
Scopus 2-s2.0-84946826363
Scopus 2-s2.0-84941566839
Scopus 2-s2.0-84944049609
Scopus 2-s2.0-84962767938
Scopus 2-s2.0-85014770407
Scopus 2-s2.0-84946893544

Scopus 2-s2.0-84947074052
Scopus 2-s2.0-84940647632
Scopus 2-s2.0-84940643727
Scopus 2-s2.0-84958965924
Scopus 2-s2.0-84958924685
Scopus 2-s2.0-84958919204
Scopus 2-s2.0-85044163408
Final Scopus 2-s2.0-79959368120
Scopus 2-s2.0-84983751453
Scopus 2-s2.0-84938098693
Scopus 2-s2.0-84938392730
Scopus 2-s2.0-84979797064
Scopus 2-s2.0-84937949412
Final Scopus 2-s2.0-84958104738
Scopus 2-s2.0-84947063017
Scopus 2-s2.0-84930801034
Scopus 2-s2.0-84944687108
Scopus 2-s2.0-84958244790
Scopus 2-s2.0-84930083653
Scopus 2-s2.0-84930092413
Scopus 2-s2.0-84978091819
Scopus 2-s2.0-84926472567
Scopus 2-s2.0-84990202971
Scopus 2-s2.0-84923225751
Scopus 2-s2.0-84939229869
Scopus 2-s2.0-84951098830
Final Scopus 2-s2.0-85042896906
Scopus 2-s2.0-84961202459
Scopus 2-s2.0-84919837718
Scopus 2-s2.0-84926373449
Scopus 2-s2.0-84921794050
Scopus 2-s2.0-84926288358
Scopus 2-s2.0-84939885858
Final Scopus 2-s2.0-85043432289
Scopus 2-s2.0-84939958789
Scopus 2-s2.0-85009728792
Scopus 2-s2.0-85054909612
Scopus 2-s2.0-85054389574
Scopus 2-s2.0-84933074457
Scopus 2-s2.0-84943616488
Scopus 2-s2.0-84928155953
Scopus 2-s2.0-84923094455
Scopus 2-s2.0-84943647802
Scopus 2-s2.0-84939472102
Scopus 2-s2.0-84924183004
Scopus 2-s2.0-84962469604
Scopus 2-s2.0-84959365845
Scopus 2-s2.0-84922281009
Scopus 2-s2.0-84928710969
Scopus 2-s2.0-84947439568
Scopus 2-s2.0-84938505835
Scopus 2-s2.0-84928111851
Scopus 2-s2.0-84940974887
Scopus 2-s2.0-84940180999
Scopus 2-s2.0-84931836864
Scopus 2-s2.0-84937431930
Scopus 2-s2.0-84945479407
Scopus 2-s2.0-84955498193
Scopus 2-s2.0-84944742875
Scopus 2-s2.0-84991493272
Scopus 2-s2.0-84929329131
Scopus 2-s2.0-84928152276
Scopus 2-s2.0-84928141401
Scopus 2-s2.0-85021909595
Final Scopus 2-s2.0-84960212756
Scopus 2-s2.0-84930012537
Scopus 2-s2.0-84947071246
Scopus 2-s2.0-84928125098
Scopus 2-s2.0-84924504238
Scopus 2-s2.0-84963762902
Scopus 2-s2.0-84925696017
Scopus 2-s2.0-84936948361
Scopus 2-s2.0-84940918354
Scopus 2-s2.0-84937501249
Scopus 2-s2.0-84947227493
Scopus 2-s2.0-84928669045
Scopus 2-s2.0-84946762640
Scopus 2-s2.0-84924655137
Scopus 2-s2.0-84924045742
Scopus 2-s2.0-84936986418
Scopus 2-s2.0-84936753572
Scopus 2-s2.0-84930045650
Scopus 2-s2.0-84942196850
Scopus 2-s2.0-84931275437
Scopus 2-s2.0-84940506802
Scopus 2-s2.0-84942259214
Scopus 2-s2.0-84923191580
Scopus 2-s2.0-84933506032
Scopus 2-s2.0-84959321791
Scopus 2-s2.0-84953310529
Scopus 2-s2.0-84939518690
Scopus 2-s2.0-84943647054
Scopus 2-s2.0-84929957704
Scopus 2-s2.0-84963864200
Final Scopus 2-s2.0-85076081092
Scopus 2-s2.0-84913620906
Scopus 2-s2.0-84922964930
Scopus 2-s2.0-84951108483
Scopus 2-s2.0-84928399594
Scopus 2-s2.0-84923021225
Scopus 2-s2.0-84930766182
Scopus 2-s2.0-84938320698
Scopus 2-s2.0-84983646613
Scopus 2-s2.0-84955581242
Scopus 2-s2.0-84924677016
Scopus 2-s2.0-85042631629
Scopus 2-s2.0-84944384990
Scopus 2-s2.0-84937459622
Scopus 2-s2.0-84944519081
Scopus 2-s2.0-84936879126
Scopus 2-s2.0-84924858251
Scopus 2-s2.0-84942111873
Scopus 2-s2.0-84911987005
Scopus 2-s2.0-84938693745
Scopus 2-s2.0-84937514856
Scopus 2-s2.0-84930859750
Scopus 2-s2.0-84930827481
Scopus 2-s2.0-84930821687
Scopus 2-s2.0-84924046971
Scopus 2-s2.0-84944329571
Scopus 2-s2.0-84966697223
Scopus 2-s2.0-84958760699
Scopus 2-s2.0-84920019774
Scopus 2-s2.0-84914150316
Scopus 2-s2.0-85000985474

Final Scopus 2-s2.0-84941739216
Scopus 2-s2.0-84955581055
Scopus 2-s2.0-85063842414
Scopus 2-s2.0-84893537695
Scopus 2-s2.0-84996563866
Scopus 2-s2.0-84897864312
Scopus 2-s2.0-84894590181
Scopus 2-s2.0-84898733843
Scopus 2-s2.0-84897907989
Scopus 2-s2.0-84894504671
Final Scopus 2-s2.0-84958662348
Scopus 2-s2.0-84887604806
Scopus 2-s2.0-84893776209
Scopus 2-s2.0-84895909769
Scopus 2-s2.0-84893369434
Scopus 2-s2.0-84893003869
Scopus 2-s2.0-84893336034
Scopus 2-s2.0-84897608390
Scopus 2-s2.0-84886280238
Scopus 2-s2.0-84937570472
Scopus 2-s2.0-84891552792
Final Scopus 2-s2.0-84939471748
Scopus 2-s2.0-84922828843
Scopus 2-s2.0-84904040063
Scopus 2-s2.0-84922766503
Scopus 2-s2.0-84922796000
Scopus 2-s2.0-84891775081
Scopus 2-s2.0-84892157068
Scopus 2-s2.0-84917694604
Scopus 2-s2.0-84903895104
Scopus 2-s2.0-84908273165
Scopus 2-s2.0-84893082722
Final Scopus 2-s2.0-84949032808

Scopus 2-s2.0-84922825009
Scopus 2-s2.0-84899944786
Final Scopus 2-s2.0-84955378369
Scopus 2-s2.0-84896953157
Scopus 2-s2.0-84891509375
Scopus 2-s2.0-84935422138
Scopus 2-s2.0-84898685758
Final Scopus 2-s2.0-84949008507
Scopus 2-s2.0-84900449705
Scopus 2-s2.0-84890518859
Scopus 2-s2.0-84928744311
Scopus 2-s2.0-84896928030
Scopus 2-s2.0-84921767248
Scopus 2-s2.0-84958545079
Scopus 2-s2.0-84911387501
Scopus 2-s2.0-84899557195
Scopus 2-s2.0-84904070746
Oxford and New York: Oxford University Press; Agnew, J.R., Szykman, L., Utkus, S.P., Young, J.A., Literacy, trust, and 401 (k) savings behavi
Scopus 2-s2.0-84905165197
Scopus 2-s2.0-84912037573
Scopus 2-s2.0-84901230902
Scopus 2-s2.0-84899572761
Scopus 2-s2.0-84900843935
Scopus 2-s2.0-84921653784
Scopus 2-s2.0-84929452484
Scopus 2-s2.0-84920142212
Scopus 2-s2.0-84900407578
Scopus 2-s2.0-84987809900
Scopus 2-s2.0-84907524809
Scopus 2-s2.0-84902139434
Scopus 2-s2.0-84928052091
Final Scopus 2-s2.0-84948954789
Scopus 2-s2.0-84926140273
Scopus 2-s2.0-84898684056
Scopus 2-s2.0-84896276752
Scopus 2-s2.0-84922398607
Scopus 2-s2.0-84916595630
Scopus 2-s2.0-84906822883
Scopus 2-s2.0-84903460901
Scopus 2-s2.0-84921816698
Scopus 2-s2.0-84904605775
Scopus 2-s2.0-84911934648
Scopus 2-s2.0-84905682399
Scopus 2-s2.0-84923518020
Scopus 2-s2.0-84898957076
Scopus 2-s2.0-84899700659
Scopus 2-s2.0-84928914386
Scopus 2-s2.0-84911978537
Scopus 2-s2.0-84904630292
Final Scopus 2-s2.0-84952919378
Scopus 2-s2.0-84901048955
Scopus 2-s2.0-84898927612
Scopus 2-s2.0-84929233329
Scopus 2-s2.0-84940290433
Scopus 2-s2.0-84922795855
Scopus 2-s2.0-84904403962
Scopus 2-s2.0-84901244160
Scopus 2-s2.0-84897069212
Scopus 2-s2.0-84906320255
Scopus 2-s2.0-84927600940
Scopus 2-s2.0-84929725628
Scopus 2-s2.0-84920387850
Scopus 2-s2.0-84911433822
Scopus 2-s2.0-84912074375
Scopus 2-s2.0-84892739665
Scopus 2-s2.0-84893167310
Scopus 2-s2.0-84901721352
Scopus 2-s2.0-84894649728
Scopus 2-s2.0-84894263517
Scopus 2-s2.0-84885936196
Scopus 2-s2.0-84886933253
Scopus 2-s2.0-84887025656
Scopus 2-s2.0-84888130899
Scopus 2-s2.0-84881087754
Scopus 2-s2.0-84884183882
Scopus 2-s2.0-84880649143
Scopus 2-s2.0-84888602204
Scopus 2-s2.0-84894223108
Scopus 2-s2.0-84884408409
Scopus 2-s2.0-84888129732
Scopus 2-s2.0-84883418467
Scopus 2-s2.0-84883682537
Scopus 2-s2.0-84885362178
Scopus 2-s2.0-84888642776
Scopus 2-s2.0-84884309187
Scopus 2-s2.0-84883501703
Scopus 2-s2.0-84883692776
Scopus 2-s2.0-84883049384
Scopus 2-s2.0-84881489824
Scopus 2-s2.0-84883706078
Scopus 2-s2.0-84883023635
Scopus 2-s2.0-84883000722
Scopus 2-s2.0-84977615457
Scopus 2-s2.0-84879213494
Scopus 2-s2.0-84880067097
Scopus 2-s2.0-84880558828
Final Scopus 2-s2.0-85026808978
Scopus 2-s2.0-84879493905
Scopus 2-s2.0-84877614669
Scopus 2-s2.0-84880230928
Scopus 2-s2.0-84880485335
Scopus 2-s2.0-84880033590
Scopus 2-s2.0-84876343664
Scopus 2-s2.0-84878576850
Scopus 2-s2.0-84892679540
Scopus 2-s2.0-84879255462
Scopus 2-s2.0-84878548990
Scopus 2-s2.0-84876829716
Scopus 2-s2.0-84878225425
Scopus 2-s2.0-84878053520
Scopus 2-s2.0-84878103708
Scopus 2-s2.0-84878217512
Scopus 2-s2.0-84877616157
Scopus 2-s2.0-84876905583
Scopus 2-s2.0-84877815213
Scopus 2-s2.0-84876500848
Scopus 2-s2.0-84875847298
Scopus 2-s2.0-84875628672
Scopus 2-s2.0-84879255904
Scopus 2-s2.0-84878003209
Scopus 2-s2.0-84879256571
Scopus 2-s2.0-84875384901
Scopus 2-s2.0-84874478169
Scopus 2-s2.0-84873107633
Scopus 2-s2.0-84875452583
Scopus 2-s2.0-84873469579
Scopus 2-s2.0-84874027600
Scopus 2-s2.0-84880234826
Scopus 2-s2.0-84874861918
Final Scopus 2-s2.0-84920365770
Scopus 2-s2.0-84894091955
Scopus 2-s2.0-84880844297
Scopus 2-s2.0-84871005545
Scopus 2-s2.0-84882616855
Scopus 2-s2.0-84936856936
Scopus 2-s2.0-84936881251
Scopus 2-s2.0-84883718706
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al innovation and the transactions demand for cash (2009) Econometrica, 77 (2), pp. 363-402; Akerlof, G.A., The market for " lemons" : Qu
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ageID=article&articleID=2213, Retrieved August, 2011; Atkins, R., (2010) China confirmed as world's top exporter. Financial Times, 9. , ww
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) available at http://www.gao.gov/new.items/d07355.pdf (describing the move from defined-benefit to defined-contribution plans and no
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Sangeetha R., Mathew J., Francline S.C.

National Cancer Institute

Ministry of Education – Kingdom of Saudi Arabi

University of Sri Jayewardenepura

Department of Foreign Affairs and Trade

University Grants Commission - Sri Lanka

National Institute on Aging

U.S. Social Security Administration

National Institutes of Health

Horizon 2020: 770464

U.S. Social Security Administration

National Institute on Aging

TÃ¼rkiye Bilimsel ve Teknolojik AraÅ tirma Kurumu

FundaciÃ³n de las Cajas de Ahorros

FundaciÃ³n de las Cajas de Ahorros

FundaciÃ³n de las Cajas de Ahorros

Ministerio de EconomÃ­a y Competitividad

National Natural Science Foundation of China

National Natural Science Foundation of China

Fundamental Research Funds for the Central Universities: 71473279"

Pharmaceutical Research and Manufacturers of America Foundation

National Pharmaceutical Council

Laura and John Arnold Foundation

Robert Wood Johnson Foundation

Michigan Department of Health and Human Services

Agency for Healthcare Research and Quality

Narodowe Centrum Nauki

Fonds Wetenschappelijk Onderzoek

National Center for Advancing Translational Sciences

National Natural Science Foundation of China

Agentúra na Podporu Výskumu a Vývoja

Fundación de las Cajas de Ahorros

Palestine Exploration Fund

Fundación Mapfre: 2008-2012

Palestine Exploration Fund

Asociación Española de Pediatría

Fundación de las Cajas de Ahorros

Palestine Exploration Fund

Agência Espacial Brasileira

National Endowment for Financial Education

FundaciÃ³n de las Cajas de Ahorros

FundaciÃ³n de las Cajas de Ahorros

Financial Services Authority

United Nations Educational

National Natural Science Foundation of China

Cooperative State Research

Fonds Wetenschappelijk Onderzoek

Financial Services Authority

Ministerstwo Nauki i Szkolnictwa Wyższego

International Islamic University Malaysia

World Bank Group

Belgorod National Research University

World Bank Group

Japan Society for the Promotion of Science

Research Institute of Science and Technology for Society

Institute for Money

Pusat Pengurusan Penyelidikan dan Inovasi

Global Affairs Canada"

Japan Society for the Promotion of Science

Zengin Foundation For Studies On Economics And Finance"

Seventh Framework Programme

Economic and Social Research Council

TÃ¼rkiye Bilimsel ve Teknolojik AraÅ tirma Kurumu

Ministerio de EconomÃa y Competitividad

Conselho Nacional de Desenvolvimento CientÃfico e TecnolÃ³gico

Conselho Nacional de Desenvolvimento CientÃfico e TecnolÃ³gico

Conselho Nacional de Desenvolvimento CientÃfico e TecnolÃ³gico