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The Role of Financial Capability and Culture in Financial Satisfaction
Economic Papers: A journal of applied economics and policy, 2020This paper presents an integrated framework for understanding the determinants of financial satisfaction in the context of two European nations with different cultural environments. The direct, indirect and interactive effects were tested through the path analysis method.
Gentjan Çera +3 more
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2017
In a context of financial insecurity and inequality, exacerbated by a global pandemic in which many people are struggling to survive, financial capability has become increasingly important. Financial capability combines the ability to act with the opportunity to act in ways that contribute to financial well-being.
Margaret Sherrard Sherraden +2 more
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In a context of financial insecurity and inequality, exacerbated by a global pandemic in which many people are struggling to survive, financial capability has become increasingly important. Financial capability combines the ability to act with the opportunity to act in ways that contribute to financial well-being.
Margaret Sherrard Sherraden +2 more
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Improving financial capability
2019Financial capability is an umbrella term that puts forward the factors behind making well-informed decisions to manage financial resources. Traditional definitions limit the components to skills and knowledge; however, the authors align with a recent movement to include opportunities and motivation as part of this definition.
Krishane Patel, Ivo Vlaev
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From Financial Literacy to Financial Capability Among Youth
The Journal of Sociology & Social Welfare, 2007Youth in the United States are facing an increasingly complex and perilous financial world. Economically disadvantaged youth, in particular, lack financial knowledge and access to mainstream financial institutions. Despite growing interest in youth financial literacy, we have not seen comparable efforts to improve access to financial policies and ...
Johnson, Elizabeth +1 more
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Financial exclusion and financial capabilities in Canada
Journal of Financial Economic Policy, 2016Purpose The financially excluded are often denied basic financial services from mainstream banking institutions, leading them to high-cost fringe finance institutions (FFIs) such as payday loan companies and pawnshops. While strategies to address financial exclusion often include financial capabilities education, there does not appear to be evidence ...
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Toward Financial Capability—Empowering the Young
Journal of Consumer Affairs, 2018The importance of enhancing financial capability is widely recognized. However, the learning outcomes from educational programs directed at young people are mixed, indicating that we may not yet have discovered the best practices. Previous studies have established that merely providing information is not the most effective way to help consumers.
Uusitalo, Outi, Luukkanen, Laura
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Financial Decisions and Financial Capabilities in the Andean Region
Journal of Consumer Affairs, 2018This paper analyzes the importance of numerical abilities, conscientiousness, and financial literacy for individuals' financial decision making and participation in formal financial markets. Our analysis is based on the Financial Capabilities Survey, which was applied in four countries of the Andean Region: Bolivia, Colombia, Ecuador, and Peru.
María José Roa +2 more
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Financial Literacy to Financial Capability: Building Financial Stability and Security
2016An increasingly financialized world requires people to make more complex financial calculations and decisions throughout their lives. This fact has led to appeals for improved financial literacy and financial behaviour. Although optimal household financial decision-making and use of mainstream financial products and services can help, these strategies ...
Margaret S. Sherraden, David Ansong
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Financial Crisis Prediction Capability of Financial Ratios
SSRN Electronic Journal, 2014Bankruptcy of a business firm is an event which results substantial losses to creditors and stockholders. A model which is capable of predicting an upcoming business failure will serve as a very useful tool to reduce such losses by providing warning to the interested parties. This was the main motivation for Beaver (1966) and Altman (1968) to construct
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Financial Capabilities in Indian Country
2018If offered an opportunity to save money via a formal financial education program, will young people participate in the programming and open a savings account? That was the key research question motivating this pilot study, which was implemented among youth aged 11 to 15 years who self-identified as American Indian.
Tovar, Molly, Ed.D +1 more
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