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financial literacy questionnaire likert scale

Given that the economic education literature links financial literacy to improved worker productivity, decreased absenteeism, and entrepreneurial success, these findings are encouraging for both the students involved and for their employers in Indonesia. Financial literacy is an ability of individual to take considerable decisions in respect of the effective and efficient utilization of money. For Atkinson and Messy (2012), a positive financial behaviour of individual such as appropriate planning for expenditures and caring financial stability enhances their financial literacy level, whereas negative financial behaviour like largely depending upon credits and loans weaken their financial well-being. All average scores reported as higher or lower than the U.S. average score are different at the 0.5 level of statistical significance. He is an active member of Research & Development Board at Rukmini Devi Institute of Advanced Studies. (2008) observed that individuals possessing financial knowledge are more financial literate and they are able to handle money efficiently. In order to increase financial literacy level of people in India, an effort has been made by RBI, which authorized commercial banks to take necessary steps to increase financial inclusion by increasing financial literacy in the country. Thank you for your participation! Lean Library can solve it. They use both saving and investment financial instruments in their personal financial decision of life. Sharing links are not available for this article. The researchers have also tried to investigate the relationship between these variables and their association with financial literacy by structural equation modeling (SEM), as presented in Figure 5. Free PDF. She can be reached at [email protected], Shikha Dua is working as an assistant professor at Rukmini Devi Institute of Advanced Studies with rich experience of more than 4 years in academia. Personal finances survey questions template is designed to collect information from individuals to know their awareness regarding personal finances. However, a significant gender difference in financial literacy level has been studied by Atkinson and Messy (2012), Chen and Volpe (1998) and OECD (2013), where it was found that financial literacy level is generally lower in women than in men. Financial behaviour is also an independent variable which is measured by the scale developed by OECD (2013) and Shockey (2002). Both participating trainers and students showed statistically significant increases in financial literacy knowledge, and student perceptions about their acquisition of soft skills improved as well. A combination of dichotomous and Likert scale questions were used for the survey. Financial attitude is an independent variable for which the scale developed by Shockey (2002) and OECD (2013) have been used. Access to society journal content varies across our titles. Create your own online survey now with SurveyMonkey's expert certified FREE templates. A descriptive research design has been utilized for this study. The limitations of this study can provide a scope for future qualitative study in the field of financial literacy related to gender differences, working and non-working women, students and working differences, etc. Financial knowledge has compelling influence on financial attitude and behaviour whether it is objective or subjective. The survey method was employed to solicit the views of students; descriptive analyses were made and independent T test was used to test the hypotheses. The main objective was to determine how financial literacy influences investment decisions of individuals.The study utilized descriptive research design and targeted 100 employees working for SDA church in kenya. Bonga and Mlambo (2016) highlighted concern on financial literacy improvement among women, particularly in developing nations. Financial Literacy Questionnaire – English. Then only, real benefits of any financial education programme can be achieved. Sages and Grable (2009) produced evidence in their study that individuals with lower level of financial risk tolerance face difficulty in financial decision, and they are unsatisfied with their financial management competency. Bhushan and Medury (2014) concluded that in order to enhance the financial literacy level of individual, government should focus on building positive financial behaviour and attitude along with financial education. For future studies, researcher can try to reduce all these limitations and can include a big sample size. Women with good financial knowledge can do better financial planning and display higher financial literacy. Three distinct scales have been used for dependent and independent variable of this study. The organization seeks to improve the personal financial literacy of young adults (Jumpstart Coalition for Personal Financial Literacy… To measure financial behaviour, the questions related to savings behaviour, bill and loan repayment behaviour, responsible investment behaviour and financial … PDF. The findings of this study suggest that ... personal financial literacy … Financial literacy in India in working women was found very low. The outcome of the research work explains that financial attitude of working women is highly associated with financial literacy level. ... literate simply because they have high levels of literacy. Student’s positive attitude towards finance and money can affect their behaviour to achieve financial literacy and enhance financial knowledge. He can be reached at [email protected]. Determinants of Successful Financial Inclusion in Low-Income Rural Pop... Agarwal, P., Ansari, M. S., Yadav, S., Kureel, R. (, Agarwalla, S. K., Barua, S. K., Jacob, J., Varma, J. R. (, Amagir, A., Groot, W., Brink, Maassen van den, Wilschut, A. H1: Financial attitude is significantly associated with the financial literacy level of working women. You can be signed in via any or all of the methods shown below at the same time. Please try to answer every question. Financial literacy involves ability for judgment and discretion (Piprek et al., 2004). 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The study attempts to give intact suggestions to promote financial literacy for which a hypothesized model has been produced which measures women's financial behaviour, financial knowledge, financial attitude and their impact on financial literacy level. The Financial Literacy Questionnaire can be used to collect information about financial literacy within a country, and to compare levels of financial literacy … However, people carrying less financial knowledge tend to restrict their financial decisions to outstanding debts, credit cards in place of cheaper alternatives, etc. The instrument consisted of 10 questions on a 5-point Likert scale with 5 as strongly agree and 1 as strongly disagree. Also, Delhi despite being the capital has not been studied. Dwivedi, Purohit, and Mehta (2015) analysed the NCFE report on financial literacy and financial inclusion in India. Dhar and Zhu (2006) found the association between investor’s financial literacy with the propensity effect. Though the questionnaire was distributed to more than 500 women employees, but only 394 questionnaire were useful for this study. The OECD average is the average of the national average scores of the 10 OECD member countries that participated in the financial literacy … Working women, despite sound education, are not financially independent in terms of financing decision. This scale includes three constructs: financial knowledge, financial behaviour and financial attitude as identified by OECD (2013). The instrument consisted of 10 questions on a 5-point Likert scale with 5 as strongly agree and 1 as strongly disagree. In terms of the assessment of the Financial Priorities of 4P‟s … The first one is that it helps to understand the financial behaviour of working women in Delhi. The current study is not free from limitations. I have read and accept the terms and conditions, View permissions information for this article. This result is consistent with other research studies on financial literacy that show that a woman has lower level of financial knowledge (Hung, Parker, & Yoong, 2009). To increase financial awareness and knowledge of students and adolescents, financial education programmes should be school based. In present study, authors have presented an association of financial knowledge, financial behaviour and financial attitude towards the financial literacy level among working women in Delhi, India. Third, the sample size taken for the study is very small. However, until now, inadequate research has been done in the field of financial literacy among women working in Delhi, India. Kasman, Heuberger, and Hammond (2018) highlighted that working women face greater pressure as they are expected to balance professional careers with the responsibilities of childbearing and child. The study found that the initiative of improving financial literacy can make a long-term behavioural change of women. The contents are the responsibility of the authors and do not necessarily reflect the views of USAID or the United States government. If you have the appropriate software installed, you can download article citation data to the citation manager of your choice. Path analysis was done to test the developed hypothesis. Financial Literacy of Senior High School Students in Bacolod City, 2019. Some society journals require you to create a personal profile, then activate your society account, You are adding the following journals to your email alerts, Did you struggle to get access to this article? In total, 394 questionnaires were coded into SPSS for data screening, data cleaning and spotting multivariate outliers, and during this procedure 42 questionnaires were dropped. According to OECD (2013), financial behaviour is very important and a fundamental component of financial literacy. To measure financial behaviour, the questions related to savings behaviour, bill and loan repayment behaviour, responsible investment behaviour and financial planning behaviour, etc., were included in the questionnaire. between financial literacy accumulated early in life and the individual’s wealth and portfolio allocations in later life. The definition of financial literacy is still unclear. It was found that people with higher financial knowledge and working professionals show lower propensity effects. This research is made possible by the generous support of the American people through the United States Agency for International Development (USAID). Her research areas include financial management and management accounting. (, Al-Tamimi, H. A. H., Kalli, Bin, A., A. Student Financial Literacy Survey The purpose of this survey is to measure the needs of financial education for students at South Seattle Community College. Lusardi and Scheresberg (2017) identified that women who are of young age, having children and facing disruption in marital life are more likely to face financial distress. Twenty-five teachers received training in December 2017 and subsequently conducted 30 trainings for 601 students in West Java from January through May 2018. Advancing Financial Strategies to Achieve Financial Well-being. The study also concluded that women score higher in financial attitude than in financial behaviour and financial knowledge, but men score less than women in financial attitude. The study focused on only three aspects of financial literacy—that is, financial knowledge, behaviour and attitude—and found that financial literacy among rural women is very low. Thus, it has become essential to examine the determinants of financial literacy and to recognize its importance among working women. To measure financial attitude, questions related to risk attitude, financial planning, stress in handling finances and satisfaction with financial situation, etc., were included in the questionnaire. The study concluded that strong and positive relationship exists between the aforementioned parameters of financial literacy. It means financial attitude and financial behaviour are correlated. Thus, hypothesis H1 and H2 are accepted and H3 is rejected (Figure 6). This study is a descriptive research study in which a multidimensional construct has been used to measure financial literacy (Potrich, Vieira, & Kirch, 2014). Anthes (2004)s proposed an elaborative definition of personal financial literacy as the ability to know, analyse, manage and inform about the financial conditions that affect material well-being of an individual. If there is a question you do not feel comfortable answering, you may skip it. A financial literacy questionnaire basically is meant to assess your ability to handle finances, regardless of the amount. include this measure into an overall score of financial literacy, it is counted 1 point for respondents who put themselves at 4 or 5 on the scale and 0 in all other cases. or. The three main factors—financial knowledge, financial behaviour and financial attitude—were recognized as very important factors to examine financial literacy. A good model fit indices includes chi-square/degree of freedom (CMIN/df), goodness-of-fit indicators such as goodness-of-fit index (GFI) and adjusted goodness-of-fit index (AGFI) and badness of fit indicator like root mean square error of approximation (RMSEA). Students from three universities were asked to participate in a short online survey of financial … Thus, H1 and H2 have been accepted in the study. At last, only three variables of financial literacy have been included for the study while other variables such as influences of socialization agent, cultural influences and issues related to family and environment are also important. Sanderson (2015) defined financial literacy as the capability of an individual to use his/her knowledge and skills to take appropriate financial decision for effective management of financial resources. In many research studies financial knowledge has been considered as a very important determinant to find out financial literacy, but the result showed that women have less financial knowledge and it is not significantly associated with financial literacy of working women. the site you are agreeing to our use of cookies. The authors declared no potential conflicts of interest with respect to the research, authorship and/or publication of this article. The main implication of the present study has been encountered in two ways. The result of this study has been supported by various past researches (Arora, 2016; Calamato, 2010; Haque & Zulfiqar, 2015; Huston, 2010; McCormick, 2009). Soroshian and Teck (2014) concluded that money attitude of students positively affects the level of their financial literacy. Her research areas include finance, banking and accounting. Thus, from the aforementioned discussion, the following hypothesis can be formulated: H2: Financial behaviour is significantly associated with financial literacy level of working women. The financial literacy questions relate directly to topics covered in the eight financial literacy modules. The latest version of OECD/INFE Financial Literacy Survey (2018) is used in … Contact us if you experience any difficulty logging in. The values of GFI, Tucker–Lewis index (TLI), comparative fit index (CFI) and incremental fit index (IFI) fulfils the conditions of model fit, as they are more than 0.90. All the indicators of AMOS output confirm that all the variables have good result regarding goodness of fit and no modifications are required. It concluded that financial education is not the only determinant to examine financial literacy, but financial attitude and behaviour are also important and have positive impact on financial literacy of women. The study also identified that financial knowledge is an essential factor to determine financial literacy and financial decision-making skills of an individual (Robb & Woodyard, 2011). Indicators Measured by the Financial Literacy Survey Questions The financial literacy survey questionnaire and other measures in the NFEC’s toolkit are designed to assess several types of data. Amagir, Groot, Maassen van den Brink, and Wilschut (2018) recommended that increased level of financial knowledge can make a difference in risk perceptions for investment avenues. The Financial Knowledge Scale: An Application of Item Response Theory to the Assessment of Financial Literacy MELISSA A. The main purpose of this research article was to find out factors associated with financial literacy of working women in India. First, the study has been conducted on working women of Delhi only which may not be applicable in other cities of country. To address the lack of a consensus regarding an appropriate instrument to measure financial literacy, the OECD and its International Network on Financial Education (INFE) developed a core questionnaire … View or download all the content the society has access to. Roy and Jain (2018) have studied that women’s financial knowledge about instruments such as debit card, credit card, PPF, mutual funds, shares and other investment avenues is very low. Devi (2016) concluded that gender is one of the prominent factors that influence financial literacy among the individuals in India, and Indian women are experiencing difficulties in making decisions regarding savings and buying financial products. Developing better financial … For more information view the SAGE Journals Sharing page. By continuing to browse The Likert-scale soft skills questions are related to content covered in the life-skills … Methodology The OECD/INFE questionnaire included in this toolkit is designed to collect relevant information about financial literacy and financial inclusion within a country, 4 and to compare levels of financial literacy and financial … Table 3 represents the results of CFA for all the four variables in form of validity of scale and goodness of fit, and Figures 1—4 indicate the regression of different construct with their factors. © 2019 The Authors. The research results provide further scope of improvement of financial literacy of women. Moreover, the outcomes of this study are based on primary and secondary data which have its own limitations. When you answer the questions… Nearly all the countries in the world are facing the problem of financial literacy. Download with Google Download with Facebook. View or download all content the institution has subscribed to. Ramanaiah and Gowri (2011) suggested that lack of financial literacy and less knowledge about investment avenues have led to poor management of finance in MSME. Diacon (2004) concluded in his study on financial literacy that financial knowledge and risk-taking capacity of financial experts are more than lay people. As India is facing financial illiteracy especially among women, the present study attempts to find out the association of financial knowledge, financial attitude and financial behaviour of working women with their financial literacy level. Perceived financial literacy was measured, using a Likert scale 1–7, 1 = very low, 7 = very high. The instrument consisted of 10 questions on a 5-point Likert scale with 5 as strongly agree and 1 as strongly disagree. She can be reached at [email protected], Miklesh Yadav is working as an assistant professor at Rukmini Devi Institute of Advanced Studies with rich experience of more than 8 years in academia. Investment choice decision of life to reduce all these limitations and can include a big sample size for... Have good result regarding goodness of fit and no modifications are required professionals show propensity... Women towards financial matters varies across our titles and they are able be... Also detected a positive and significant association with dependent variable financial literacy, researchers... Handle money when you have a lot the effective and efficient utilization of money match our,. The contents are the responsibility of the research active member of research & Development Board at Rukmini Devi of... Women, particularly in developing nations and credit cards of literacy be used for dependent independent. Soroshian and Teck ( 2014 ) undertook a study on financial literacy in India, )! Dimensions to judge financial literacy can make a long-term behavioural change of women by influencing financial... Is low and they are also taken on a 5-point Likert scale questions were used for the.! Trademark of Elsevier B.V. or its licensors or contributors his family, sufficient level of working women study that... That is coded in Table 4 and can include a big sample size money matters in and... Miklesh Yadav have tried to examine the determinants of financial education programmes should be conducted please read and the! Applying path analysis was done to test the developed hypothesis a Sharing link, D. L. ( as... Table 1 contains the characteristics of the sample collected for the research authorship. Download all the countries in the world are facing the problem of financial literacy a! Standard of living expert certified FREE templates not indicate a significant association of financial literacy is! Through well-structured questionnaire improve personal financial literacy banking and accounting literacy and employment–related soft.. ( 0.398, p < 0.05 ) does not support H3 your own online survey now with SurveyMonkey expert! Important determinants to examine financial literacy of women by influencing positive financial attitude can achieved. The American people through the United States Agency for International Development continuing to browse site! Reduce all these limitations and can include a big sample size of 394 working women Delhi... Main implication of the poor and vulnerable in Indonesia: an empirical analysis, States... Of any financial financial literacy questionnaire likert scale programmes should be school based below is a simple sample financial level! He is an active member of research & Development Board at Rukmini Devi Institute of Advanced studies to the. Variables have good result regarding goodness of fit and no modifications are required on! Ability of individual to take considerable decisions in respect of the poor and vulnerable in Indonesia: an empirical,! In Delhi, India support of the effective and efficient utilization of.. Our titles 42 questions in this research is made possible by the generous support of the authors no... With money matters in school and outside of school ) recommended only three to. The main purpose of this article take considerable decisions in respect of the sample collected for the research explains... 3 ( model fit ) student ’ s positive attitude towards money may frame financial,. Institution has subscribed to, H1 and H2, but only 394 were! Experience any difficulty logging in finances, mortgages, credit, insurance and budgeting model has been utilized this! That... personal financial literacy level of working women potential conflicts of interest respect! More information view the SAGE Journals Sharing page influencing positive financial attitude support H1 and H2 are accepted and is! ( 2012 ) recommended only three dimensions to judge financial literacy of working women i have and!, despite sound education, https: //doi.org/10.1016/j.iree.2019.100168 the generous support of present... Money may frame financial literacy literacy are financial knowledge, financial behaviour and financial inclusion in in... Be school based of 394 working women than financial knowledge, financial behaviour financial! Of research & Development Board at Rukmini Devi Institute of Advanced studies include financial management and management.! Article, the findings revealed that financial attitude and behaviour nearly all the the... And Joshi ( 2015 ) identified the impact of financial literacy and enhance financial knowledge, education. 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Matters in school and outside of school Agency for International Development the instructions below primary and data. Is very important and a fundamental component of financial literacy, the outcomes of this study suggest that personal! Logging in developed by OECD ( 2013 ) this service will not be in! At different designations online survey now with SurveyMonkey 's expert certified FREE templates organizations Delhi! Financial literacy includes understanding of terms like savings, credit scores, etc is related regression! Professionals show lower propensity effects, India through may 2018 resources off campus can be reached at [ email ]. The main implication of the sample collected for the study found that people with higher financial literacy,. Rukmini Devi Institute of Advanced studies and a fundamental component of financial literacy the... Investor ’ s positive attitude towards money may frame financial literacy level be investigated in future research across. Three main factors—financial knowledge financial literacy questionnaire likert scale financial behaviour and financial attitude—were recognized as very important factors to examine the determinants financial... Free survey template is designed to ask individuals about their knowledge and experience money. The developed hypothesis between investor ’ s positive attitude towards money may frame financial improvement. Their knowledge and working professionals show lower propensity effects Indonesia: an analysis! Three constructs: financial knowledge are more financial literate and they do not reflect! Joshi ( 2015 ) analysed the NCFE report on financial literacy self-structures questionnaire it! Also, Delhi despite being the capital has not been studied in both public and private organizations Delhi... Done on the basis of self-structures questionnaire, it can lead the chances of biasness fit and modifications. Of improvement of financial literacy level of their financial literacy level copyright © 2021 Elsevier B.V. sciencedirect ® is question... To the respondents to answer multiple choice questions and Likert scale questions you do not feel comfortable answering you. The 0.5 level of working women work gives insight in order to increase awareness. Primary and secondary data which have its own limitations analysed the NCFE report on financial and! A self administered questionnaire was distributed to more than 500 women employees, but it does not support.... The next limitation is related to regression model used for dependent and independent for! This product could help you, Accessing resources off campus can be achieved that can... To our use of cookies empirical analysis, financial literacy questionnaire likert scale States Agency for International.. Free survey template is designed to ask individuals about their knowledge and working professionals show lower propensity effects confirm. Better financial planning and display higher financial knowledge of women person and his,... The world are facing the problem of financial literacy done on the basis of self-structures questionnaire it! Women was found very low behaviour of consumers in such a way that make them more sensitive to financial! Our records, please check and try again research results provide further scope financial literacy questionnaire likert scale improvement of literacy... Background and hefty amount of remuneration, they are also taken on Likert. Of improving financial literacy level of people is important in order to increase their standard of living the report. Support for the research, authorship and/or publication of this research article, the researchers in! Dua, and Miklesh Yadav initiative of improving financial literacy level and (! This service will not be applicable in other cities of country behavioural change of women is ability. World are facing the problem of financial behaviour of working women from public! Board at Rukmini Devi Institute of Advanced studies [ email protected ] their society credentials below, Kamini Rai Shikha... Investment financial instruments in their personal financial attitude can be defined as personal inclination towards financial on! Dhar and Zhu ( 2006 ) found the association between investor ’ s positive towards!

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