Microsoft Word Ed Horwitz Post Dissertation Fina docx



Download 1,41 Mb.
Pdf ko'rish
bet3/103
Sana09.09.2021
Hajmi1,41 Mb.
#169838
1   2   3   4   5   6   7   8   9   ...   103
Table of Contents 
List of Figures .............................................................................................................................. xiii
 
List of Tables ............................................................................................................................... xiv
 
Acknowledgements ....................................................................................................................... xv
 
Dedication ................................................................................................................................... xvii
 
Chapter 1 - Introduction .................................................................................................................. 1
 
Why Financial Literacy is a Growing Concern .......................................................................... 1
 
Negative Effects of Low Financial Literacy ............................................................................... 2
 
Financial Education and Financial Literacy ............................................................................... 5
 
Financial Education and Financial Well-Being .......................................................................... 6
 
Purpose ........................................................................................................................................ 6
 
Description of Studies ................................................................................................................. 7
 
References ................................................................................................................................. 11
 
Chapter 2 - Paper One: The Effectiveness of a Comprehensive Financial Education Program in 
the Workplace ........................................................................................................................ 14
 
Introduction ............................................................................................................................... 14
 
Literature Review ..................................................................................................................... 16
 
Theoretical Framework and Hypothesis ............................................................................... 16
 
Adult Learning Theory ..................................................................................................... 16
 
Framework for Financial Literacy .................................................................................... 17
 
Literature on Financial Education ......................................................................................... 21
 
Review of Comprehensive Financial Education ............................................................... 23
 
Methodology ............................................................................................................................. 27
 
Overview ............................................................................................................................... 27
 
Sample ................................................................................................................................... 28
 
Overview of Financial Education Program ........................................................................... 28
 
Research Design .................................................................................................................... 29
 
Assessment of Financial Literacy ............................................................................................. 31
 
Variables ................................................................................................................................... 31
 


ix 
Dependent Variable .............................................................................................................. 31
 
Research Hypotheses ............................................................................................................ 32
 
Empirical Model ................................................................................................................... 33
 
Data Analysis ........................................................................................................................ 34
 
Sample Characteristics .......................................................................................................... 35
 
Results ....................................................................................................................................... 37
 
Outcomes of the Financial Education Program .................................................................... 42
 
Discussion ................................................................................................................................. 43
 
Outcomes of the Financial Education Program .................................................................... 45
 
Change in Pension Contributions...................................................................................... 46
 
Changes in Financial Behaviors and Beliefs .................................................................... 46
 
Implications ........................................................................................................................... 47
 
Limitations ............................................................................................................................ 49
 
Conclusion ............................................................................................................................ 51
 
References ................................................................................................................................. 54
 
Chapter 3 - Paper Two: The Effectiveness of a Comprehensive Financial Education Program on 
Changing Financial Well-Being ............................................................................................ 58
 
Introduction ............................................................................................................................... 58
 
Literature Review ..................................................................................................................... 60
 
Theoretical Framework and Hypothesis ............................................................................... 60
 
Literature on Financial Education ......................................................................................... 61
 
Financial Well-Being ............................................................................................................ 63
 
Financial Literacy and Financial Well-Being ....................................................................... 64
 
Methodology ............................................................................................................................. 66
 
Overview ............................................................................................................................... 66
 
Sample ................................................................................................................................... 66
 
Overview of Financial Education Program ........................................................................... 67
 
Research Design .................................................................................................................... 68
 
Variables ................................................................................................................................... 69
 
Dependent Variables ............................................................................................................. 69
 
Other Variables ..................................................................................................................... 70
 



Research Hypotheses ........................................................................................................ 70
 
Data Analysis .................................................................................................................... 71
 
Sample Characteristics ...................................................................................................... 72
 
Results ....................................................................................................................................... 74
 
Financial Education and Change in Well-Being ................................................................... 74
 
Differences among Participant and Control Groups ............................................................. 75
 
Differences between Participant and Control Groups .......................................................... 76
 
Regression Analysis .............................................................................................................. 79
 
Change in Financial Literacy and Well-Being ...................................................................... 83
 
Discussion ................................................................................................................................. 84
 
Financial Education and Change in Well-Being ................................................................... 84
 
Change in Financial Literacy and Well-Being ...................................................................... 90
 
Limitations ............................................................................................................................ 91
 
Implications ........................................................................................................................... 93
 
Conclusion ............................................................................................................................ 94
 
References ................................................................................................................................. 96
 
Chapter 4 - Paper Three: The Effects of Financial Literacy on Retirement Preparedness Best 
Practice Behaviors ............................................................................................................... 100
 
Introduction ............................................................................................................................. 100
 
Statement of Purpose .......................................................................................................... 100
 
Retirement Preparedness Best Practices ............................................................................. 101
 
Literature Review ................................................................................................................... 102
 
Conceptual Framework ....................................................................................................... 102
 
Financial Literacy ........................................................................................................... 104
 
Financial Knowledge ...................................................................................................... 104
 
Financial Skills................................................................................................................ 105
 
Financial Knowledge, Behaviors, and Beliefs ................................................................ 105
 
Best Practice Behaviors ...................................................................................................... 106
 
Calculating Retirement Savings Needs ........................................................................... 107
 
Retirement Product Ownership ....................................................................................... 107
 
Stocks and Securities Ownership .................................................................................... 108
 


xi 
Financial Influences ............................................................................................................ 109
 
Financial Confidence and Skills ..................................................................................... 109
 
Financial Condition ......................................................................................................... 109
 
Research Questions ................................................................................................................. 110
 
Methodology ........................................................................................................................... 110
 
Dependent Variables ........................................................................................................... 111
 
Retirement Preparedness Best Practice Behaviors ......................................................... 111
 
Independent Variables ........................................................................................................ 112
 
Objective Financial Knowledge ...................................................................................... 112
 
Subjective Financial Knowledge .................................................................................... 114
 
Self-Assessed Financial Skills ........................................................................................ 114
 
Financial Condition ......................................................................................................... 115
 
Financial Beliefs ............................................................................................................. 116
 
Socio-Economic Variables .............................................................................................. 117
 
Research Hypotheses .......................................................................................................... 118
 
Analysis .................................................................................................................................. 118
 
Sample Characteristics ........................................................................................................ 119
 
Results ..................................................................................................................................... 121
 
Financial Literacy and Best Practices ................................................................................. 121
 
Financial Skills .................................................................................................................... 123
 
Financial Condition ............................................................................................................. 124
 
Financial Beliefs ................................................................................................................. 125
 
Socio-Economic Characteristics ......................................................................................... 125
 
Discussion ............................................................................................................................... 126
 
Best Practices and Financial Literacy ................................................................................. 126
 
Calculating Retirement Savings Needs ........................................................................... 126
 
Individual Retirement Plan Ownership ........................................................................... 127
 
Stocks or Securities Ownership ...................................................................................... 128
 
Other Financial Variables ................................................................................................... 128
 
Financial Condition ......................................................................................................... 128
 
Financial Beliefs ............................................................................................................. 130
 


xii 
Implications ............................................................................................................................ 131
 
Conclusion .............................................................................................................................. 132
 
References ............................................................................................................................... 134
 
Chapter 5 - Conclusion ............................................................................................................... 138
 
Overview ................................................................................................................................. 138
 
Essay One: “The Effectiveness of a Comprehensive Financial Education Program in the 
Workplace” ......................................................................................................................... 139
 
Essay Two: “The Effectiveness of a Comprehensive Financial Education Program on 
Changing Financial Well-Being” ........................................................................................ 141
 
Essay Three: “Financial Literacy and Retirement Preparedness Best Practice Behaviors” 143
 
Summary of Results ................................................................................................................ 144
 
Implications ............................................................................................................................ 144
 
Conclusions for Financial Education Program Development ................................................. 146
 
References ............................................................................................................................... 151
 
Appendix A - Surveys ................................................................................................................. 153
 
Appendix B - Table of Measurements ........................................................................................ 175
 
 
 
 


xiii 

Download 1,41 Mb.

Do'stlaringiz bilan baham:
1   2   3   4   5   6   7   8   9   ...   103




Ma'lumotlar bazasi mualliflik huquqi bilan himoyalangan ©hozir.org 2024
ma'muriyatiga murojaat qiling

kiriting | ro'yxatdan o'tish
    Bosh sahifa
юртда тантана
Боғда битган
Бугун юртда
Эшитганлар жилманглар
Эшитмадим деманглар
битган бодомлар
Yangiariq tumani
qitish marakazi
Raqamli texnologiyalar
ilishida muhokamadan
tasdiqqa tavsiya
tavsiya etilgan
iqtisodiyot kafedrasi
steiermarkischen landesregierung
asarlaringizni yuboring
o'zingizning asarlaringizni
Iltimos faqat
faqat o'zingizning
steierm rkischen
landesregierung fachabteilung
rkischen landesregierung
hamshira loyihasi
loyihasi mavsum
faolyatining oqibatlari
asosiy adabiyotlar
fakulteti ahborot
ahborot havfsizligi
havfsizligi kafedrasi
fanidan bo’yicha
fakulteti iqtisodiyot
boshqaruv fakulteti
chiqarishda boshqaruv
ishlab chiqarishda
iqtisodiyot fakultet
multiservis tarmoqlari
fanidan asosiy
Uzbek fanidan
mavzulari potok
asosidagi multiservis
'aliyyil a'ziym
billahil 'aliyyil
illaa billahil
quvvata illaa
falah' deganida
Kompyuter savodxonligi
bo’yicha mustaqil
'alal falah'
Hayya 'alal
'alas soloh
Hayya 'alas
mavsum boyicha


yuklab olish