• Title/Summary/Keyword: Personal Financial Education

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Students and Money Management Behavior of a Malaysian Public University

  • ZULFARIS, Mohd Danial;MUSTAFA, Hasri;MAHUSSIN, Norlida;ALAM, Md. Kausar;DAUD, Zaidi Mat
    • The Journal of Asian Finance, Economics and Business
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    • v.7 no.3
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    • pp.245-251
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    • 2020
  • This study aims to investigate whether financial literacy, parental socialization, peer influence and self-control have a significant impact on money management among students of a Malaysian public university. In most settings, the studies on the determinants of personal saving behavior among university students focus on personality factors, attitudes toward money and possessions, and financial knowledge as predictors of money management behavior. Primary data are collected using a self-administered questionnaire with the samples comprised 186 students. The findings show that all the financial literacy and parent socialization have a positive relationship with money management; meanwhile, peer influences and self-control have a negative relationship with money management. This is because the majority of students admit they cannot control their self in managing their money. In this study, parent socialization has a significant relationship with money management which signifies that parents are playing essential roles in ensuring their children to establish money management. In practical, this study can contribute to the parents in providing their children to foster sound money management. Besides, Perbadanan Tabung Pendidikan Tinggi Nasional (National Higher Education Fund Corporation) PTPTN should monitor the loan, and management process and arrange motivational program so that students can more focus on the educational expense.

An Ideal Type that an Unmarried Woman Perfers and the Recognition of a Man for His own Appearance Management (미혼 여성이 선호하는 남성의 이상형과 외모관리에 대한 인식)

  • Hong, Soo-Nam
    • Journal of the Korea Fashion and Costume Design Association
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    • v.15 no.3
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    • pp.187-197
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    • 2013
  • This study examined the ideal type of a man that women prefer and the recognition of men for their own appearance management with the rise of the importance for appearance management today. The prerequisite which matters most in time of considering a man as a date of love predominantly was centered on education, and the prerequisite which goes first among the rest in time of judging a man as the mate of marriage was undoubtedly his financial status. It is regarded that as for a date of love the visual image or the specialty other than the conditions in reality mattered most, and concerning a mate in marriage the actual financial conditions had the priority. When a man is evaluated, the percentage of appearance took the highest rate of 60~80%, and in his appearance, the general harmony was considered as the most important factor. As for the recognition of men for their appearance management, women tend to have an affirmative realization for managing their own appearance in general, and the reason was they believe that the way men take care of their own appearance belongs to personal free will. The perception for a man with a decent appearance was very positive, and the ground for this was that once the appearance looks handsome, he seems gorgeous. The recognition for men's cosmetic surgery showed the affirmation over the average, and an opinion that the settlement of personal appearance complex will help them out emerged as the ground for this affirmation, and so it is regarded that the aesthetic surgery of today and the perception for men's appearance management have become universal phenomena unlike former days with the reflection of visualization of the external visual and lookism shown from various media.

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A Model of Factors Affecting Entrepreneurial Intention among Information Technology Students in Vietnam

  • VUONG, Bui Nhat;PHUONG, Nguyen Ngoc Duy;HUAN, Dao Duy;QUAN, Tran Nhu
    • The Journal of Asian Finance, Economics and Business
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    • v.7 no.8
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    • pp.461-472
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    • 2020
  • In recent decades, the research field of entrepreneurship phenomenon has significantly increased in both quantity and sophistication. In Vietnam, paradoxically, while creating a new business venture has become a tendency, the interest in studying entrepreneurs seems not to be thoroughly investigated. This research aims to evaluate the factors that affect the entrepreneurial intention of information technology (IT) students in Vietnam. The authors make use of mixed methods including both quantitative research method and qualitative research method. The qualitative research method is employed to identify meanings, confirmations, adjustments, and compliments for concept-measurement variables in the conceptual model. Quantitative research is conducted from a sample of 424 IT senior students across many universities in Vietnam. Questionnaires have been sent to students to evaluate the measurement scale and appropriateness of the research model. Results from multiple regression highlighted five independent variables affecting the dependent variable, the entrepreneurial intention, in a descending order as following: entrepreneurial educational environment, personal characteristics, perception of feasibility, entrepreneurial supports, and financial accessibility. In addition, this research has proved that the variable attitudes towards entrepreneurship partially mediated among the interrelationship of the aforementioned variables. From this research, the authors make some recommendations to enhance entrepreneurial intentions of IT students in Vietnam.

Safe Web Using Scrapable Headless Browser in Network Separation Environment

  • Jung, Won-chi;Park, Jeonghun;Park, Namje
    • Journal of the Korea Society of Computer and Information
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    • v.24 no.8
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    • pp.77-85
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    • 2019
  • In this paper, we propose a "Safe Web Using Scrapable Headless Browse" Because in a network separation environment for security, It does not allow the Internet. The reason is to physically block malicious code. Many accidents occurred, including the 3.20 hacking incident, personal information leakage at credit card companies, and the leakage of personal information at "Interpark"(Internet shopping mall). As a result, the separation of the network separate the Internet network from the internal network, that was made mandatory for public institutions, and the policy-introduction institution for network separation was expanded to the government, local governments and the financial sector. In terms of information security, network separation is an effective defense system. Because building a network that is not attacked from the outside, internal information can be kept safe. therefore, "the separation of the network" is inefficient. because it is important to use the Internet's information to search for it and to use it as data directly inside. Using a capture method using a Headless Web browser can solve these conflicting problems. We would like to suggest a way to protect both safety and efficiency.

Personal Remittances: An Empirical Study in Oman

  • UDDIN, Mohammed Ahmar;ALAM, Md. Shabbir
    • The Journal of Asian Finance, Economics and Business
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    • v.8 no.3
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    • pp.917-929
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    • 2021
  • This study highlights the importance of remittance, the factors which affect the percentage of income remitted, and the investment options available to reduce remittance. For the year 2019, the remittances from Oman totaled $9.1 billion. Oman was among the top remitters with remittance to gross domestic product (GDP) ratio of 11.9%. A survey was conducted on 300 resident expats in Oman. The descriptive analysis shows that the maximum remittance percentage is between 21%-40% of income. The multinomial logistic regression results show that outward remittance depends on gender, age, occupation, number of dependent in Oman, and the number of dependent in the home country. Regarding investment, the most preferred investment option is business, followed by real estate and financial services. Age and education are found to affect investment options. This paper tries to fill the literature gap, especially for the case of Oman, by exploring what determines the level of remittance and the preferred choices for retaining funds. This study adds to the existing literature, as no previous study is available regarding how personal factors can influence the level of remittance and investment in a small oil-exporting developing country like Oman. The study will be helpful to policymakers and academicians in devising policies to retain and invest the outwards remittances in Oman.

A Study on the Factors that Affect the Investment Behavior in Financial Investment Products : Focused on the Effect of Adjustment in Investment Consulting Service (금융투자상품 투자행동에 영향을 미치는 요인에 관한 연구: 투자상담서비스의 조절효과를 중심으로)

  • Lee, Kye Woung;Ha, Kyu Soo
    • Asia-Pacific Journal of Business Venturing and Entrepreneurship
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    • v.9 no.5
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    • pp.53-68
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    • 2014
  • This study is aimed at analyzing the factors that affect the behaviors of employee's investment, such as a decision making process in a variety of views and proving the extent of how those factors influence on their investment. The basic assumption is that the preceding factors that can be determined by the personal investment propensity, a psychological factor asserted by Behavior Financial Theory and financial-economic and social environment. This study uses Hershey's Investment Behavior Model(2007) as the main analysis tool to explain the investment behavior of individuals and deals with personal investment inclination in the psychological perspective of overconfidence, self-control and the risk tolerance propensity and add the financial and economic factors in terms of financial literacy and economic distress. Also the new preceding social environmental factors like social interaction and the effect of reference group are added to make this research to be more precise. This study analyze the adjustment effect of professional invest-consulting service that affect the fluctuation influence between the individual variables(those factors) and subordination variable(the level of investment satisfaction). The study reveals that overconfidence and self-control in direct ways have a positive effect on the level of investment satisfaction in terms of investment behavior and economic distress has a negative effect on the level of investment satisfaction. The adjustment effect provided by financial experts in investment consulting service is affirmed as the critical factor that increase the influence between self-control and the level of investment satisfaction. To conclude, the research reveals that the psychological factors are the main criteria when the workers as employees have to make investment decisions. To make investors be reasonable, a systematic financial education system provided by experts is needed from the early adolescent stages and financial companies should develop the relevant services of consulting service department as a key financial sector and financial investment products and consulting program and marketing tool pertinent to investors ages, vocational traits and their inclinations.

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A Study on Establishment and Management of Training Curriculum Integrated Information Network (훈련과정종합정보망 구축 및 운영 방안에 관한 연구)

  • Rha, Hyeon-Mi
    • Journal of Engineering Education Research
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    • v.13 no.1
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    • pp.78-86
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    • 2010
  • Training Curriculum Integrated Information Network is allowed to searching the all curriculums and courses related with training but also is a one stop handling integrated learning system to cover a course registration, learning and analysis of learning performance. Through developing and managing the Training Curriculum Integrated Information Network, it is available to get the various curriculum thus it is for trainers able to enforce the self oriented course choice and then high quality of training could be proposed by the diverse training curriculums and competitions. To manage Training Curriculum Integrated Information Network more effectively, active public relations marketing activities, high reliable correct information service and rich contents are required. It is essential to manage the learner and learning contents supplier, stable financial resources, personal security issue and protecting a copyright of training curriculum to be a successful network system.

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The Recent Trends and Policy Issues on Alternative Medicine in the Western Countries: -Focusing on U.S.A.- (서구 각국의 대체의료에 관한 최근동향 -미국을 중심으로-)

  • 유왕근
    • Korean Journal of Health Education and Promotion
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    • v.15 no.2
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    • pp.235-256
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    • 1998
  • Currently, alternative medicine is highly utilized in the western countries. The public as well as health care practitioners have been paying a considerable attention to alternative medicine. This rapid growth in alternative medicine in many western countries suggests a high degree of public dissatisfaction with the limitations of orthodox medicine and concern over the side effects of chemical drugs. There is also a widespread recognition of the growing financial, social and personal cost for orthodox medicine. In addition, there is a growing need for a less fragmented, more participative and humane approach compared with contemporary medicine. Alternative medicine, which is based on holistic approach and lead to less expensive health care, may have the potential to playa significant role in overcoming the limitations of orthodox medicne in the western country. In this context, this study explores the recent trends of research on alternative medicine in western countries, particularly U.S.A. The study can provide us with valuable information on the types, training and education, utilization, insurance coverage, and regulation of alternative medicine in the western countries, thus offer important policy implications for the improvement of the korean health care system.

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Study on the Solving Conflicts between Fishing Village Community and Residents in using Community Fishing Ground (마을어장 이용에 따른 어촌계와 주민간의 갈등 해소 방안 연구)

  • CHOI, Young-Chan
    • Journal of Fisheries and Marine Sciences Education
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    • v.21 no.4
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    • pp.568-575
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    • 2009
  • On the conflict factors in using community fishing ground and their solutions, some conclusions are derived with the survey for fishing villages, residents, tourists as follows: Jeju Island has beautiful sceneries with seas in all the directions and so remarkable potential as personal experience fishing village. For sustainable development of ecological tourism in each fishing village, systematic, long-term development plans and management systems through decision making with residents in fishing and non-fishing villages are demanded. For tourist development of fishing village, protection management systems for marine and swampy land are needed first of all. Next, economical profit and the participation of resident have first priority, and also individual standards for each village are urgently prepared based on the results of basic research on each village. Finally, educations on environment and fishing village with professional tourist guide are needed. Ecological protection, environmental education, resident participation, local government's concern, and financial support could solve residential conflicts and make Jeju Island a Mecca of local fishing village tourism.

Educational Needs for the Development of a Career Exploration Program for Human Ecology Majors for High School Students: A Survey Targeting Experts and High School Students (고등학생의 대학 생활과학전공 진로탐색 프로그램 개발을 위한 교육요구 조사: 전문가 및 고등학생을 대상으로)

  • Kyoung A, Kim;Jihyun, Sung;Sueun, Ju;Seung Min, Kim;Sohyun, Park;Jiyoung, Lim
    • Human Ecology Research
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    • v.60 no.4
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    • pp.609-623
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    • 2022
  • As human life and welfare become more valued in the Fourth Industrial Revolution era, the role and mission of human ecology are expanding. Therefore, a career exploration and education program for high school students covering all the academic fields of human ecology may be necessary. To investigate what would be needed to develop such a program, a focus group interview (FGI) targeting experts within the same field and a survey targeting high school students were conducted. As a result of the FGI, a total of 3 categories and 7 subcategories were identified. The three categories included "human ecology and high school education," "human ecology and career choices," and "education program development and management in human ecology." The results of the high schoolers' survey showed that they had a moderate level of awareness about careers related to human ecology majors, but their interests and known information about human ecology programs in universities were low. Within the sub-content of each major, the contents with the highest educational needs were fashion product management, nutrition by disease, housing market analysis, personal financial management, and children's rights and welfare. If a career exploration and education program is implemented in the future, the most preferred type is a mentoring program by professors, students, and graduates in the field of human ecology. In conclusion, it is necessary to develop and implement an integrative education program about human ecology majors based on the educational needs of high school students.