Journal of Hunan University Natural Sciences,
Journal Year:
2024,
Volume and Issue:
51(4)
Published: Jan. 1, 2024
The
aim
of
this
research
was
to
analyze
important
factors
that
have
an
impact
on
increasing
the
turnover
micro-,
small,
and
medium
enterprises
(MSMEs)
in
Depok.
took
place
from
August
1
30,
2023,
focusing
371
MSME
actors
selected
through
random
sampling
population
New
Business
Owners
(WUB).
This
used
a
quantitative/deductive
approach
with
data
processing
using
multinomial
logistic
regression.
uniqueness
lies
its
focus
previously
unexplored
subject:
Entrepreneurship
(WUB)
MSMEs
particular
sector
has
not
been
studied
before,
making
groundbreaking
significant
contributing
existing
body
knowledge.
concluded
most
Depok
(49.6%)
experienced
increase
turnover,
while
remainder
(47.2%)
managed
maintain
their
turnover.
Only
3.2%
decline
over
three
consecutive
years
(2021-2023).
Factors
influence
increased
include
age
group,
product
type,
number
permits,
workers,
production,
assets,
capital,
marketing
area.
Keywords:
MSMEs,
Depok,
escalation.
https://doi.org/10.55463/issn.1674-2974.51.4.2
Sustainability,
Journal Year:
2025,
Volume and Issue:
17(6), P. 2476 - 2476
Published: March 12, 2025
This
study
explores
the
determinants
of
financial
literacy
(FL)
and
relationship
between
FL,
inclusion
(FI),
well-being
(FW-B)
in
Ecuadorian
banking
industry.
It
also
tests
moderating
role
digital
(DL)
on
FL-FI,
FL-FW-B,
FI-FW-B.
employs
a
self-designed
online
questionnaire
with
structural
equation
model
to
prove
variables.
Among
321
collected
data,
final
valid
dataset
consisted
294
registers.
The
main
findings
revealed
that
(i)
behavior
(FB),
attitudes
(FA),
skills
(FS)
have
significant
positive
influence
over
(ii)
FL
positively
affects
FI
FW-B,
(iii)
has
(iv)
DL
does
not
moderate
variables,
given
depends
socio-economic
factors
(especially
educational
aspects)
degree
technology
innovation
adopted
by
customers.
Study
results
are
aligned
previous
studies
United
States,
India,
Greece,
Finland.
contributes
research
offering
complete
view
importance
transcendence
presence
programs
improve
FI,
development,
FW-B
limitation
is
absence
index
environment.
For
future
research,
recommends
performing
longitudinal
including
different
statuses
categories
test
econometric
model.
Managerial Finance,
Journal Year:
2025,
Volume and Issue:
unknown
Published: Jan. 2, 2025
Purpose
Around
the
globe,
low
retirement
savings
threaten
economic
well-being
of
large
portions
population.
To
better
understand
what
promotes
sufficiency,
we
investigate
variables
that
correlate
with
behaviors.
Design/methodology/approach
Using
2021
National
Financial
Capability
Study
data,
examine
factors
correlated
having
a
plan,
contributing
to
plan
and
avoiding
depletion
savings.
Findings
While
strong
financial
behavior
actual
literacy
are
each
connected
participation,
link
attributed
is
nearly
twice
as
for
literacy.
Strong
correlates
strongly
leaving
in
place.
Having
blind
spot
(i.e.
not
knowing
one
does
know
about
literacy)
depletion.
anxiety
participation
or
Originality/value
Our
measure
explains
much
more
variation
than
commonly
explored
literature.
Individuals
facing
income
constraints
without
less
likely
deplete
their
Conversely,
those
tend
regardless
vulnerability
strength.
findings
hold
even
when
restricting
sample
households
incomes
below
median
($75,000),
well
above
median,
indicating
policies
targeting
non-income
could
enhance
outcomes.
Risks,
Journal Year:
2025,
Volume and Issue:
13(2), P. 30 - 30
Published: Feb. 8, 2025
This
study
examined
the
relationships
between
financial
literacy,
product
ownership,
confidence
in
advisers,
and
retirement
readiness
across
Estonia,
Latvia,
Lithuania.
By
using
data
from
Flash
Eurobarometer
525
survey
(March
2022)
applying
categorical
analysis
methods,
including
chi-square
tests
Cramér’s
V,
findings
revealed
that
a
higher
literacy
advisers
are
significantly
associated
with
greater
preparedness.
The
ownership
of
products,
particularly
among
active
investors,
is
also
strongly
correlated
improved
outcomes.
These
results
highlight
importance
education,
accessible
advisory
services,
policies
promoting
to
mitigate
risks
enhance
security
Baltic
region.
Deleted Journal,
Journal Year:
2025,
Volume and Issue:
20(2), P. 1 - 22
Published: March 6, 2025
El
objetivo
de
esta
investigación
es
analizar
la
relación
que
existe
entre
el
conocimiento,
educación
y
inclusión
financiera
los
mexicanos
tenencia
cuentas
ahorro
para
enfrentar
emergencias
económicas.
Asimismo,
se
identifican
determinantes
sociodemográficos
financieros
estas
población.
Para
análisis
utiliza
modelo
Probit
dicotómico,
estimado
con
datos
Encuesta
Nacional
Inclusión
Financiera
2018.
Los
resultados
evidencian
conocimiento
financiero,
financieras,
capacitación
activos
físicos
tienen
un
efecto
positivo
significativo
sobre
cubrir
una
emergencia.
La
cuenta
predictor
más
robusto,
cuyo
en
probabilidad
12.96%.
encuestados
mayor
tener
fondo
emergencia
son
hombres,
edad,
casados,
nivel
educativo,
localidad
urbana
menor
número
dependientes.
hallazgos
pueden
ser
utilidad
diseño
estrategias
permitan
a
población
general
incrementar
acceso
fuentes
corto
plazo.
The Journal of Risk Finance,
Journal Year:
2025,
Volume and Issue:
unknown
Published: April 10, 2025
Purpose
This
study
aims
to
investigate
the
risk
and
impact
of
financial
literacy
on
planning
young
couples
in
Palembang,
Indonesia,
a
significant
emerging
market
Southeast
Asia.
Drawing
institutional
theory,
research
highlights
role
formal
informal
institutions
addressing
“institutional
voids”
markets
where
education
mechanisms
may
be
weak
or
absent.
Design/methodology/approach
Using
sample
403
who
participated
premarital
courses
Catholic
Church,
examines
both
basic
advanced
levels
their
effects
planning.
Data
were
collected
via
questionnaires
analysed
using
descriptive
statistics,
validity
reliability
tests
multiple
regression
models.
Findings
The
results
indicate
that
Palembang
is
moderate,
with
skills
also
being
relatively
strong.
Specifically,
found
higher
significantly
improve
outcomes,
contributing
better
decision-making
investment
diversification.
Originality/value
identifies
gap
literature
regarding
application
like
particularly
understanding
how
age
influence
behaviours.
concludes
enhancing
among
crucial
for
fostering
effective
supporting
broader
economic
stability
markets.
Folia Oeconomica Stetinensia,
Journal Year:
2024,
Volume and Issue:
24(1), P. 56 - 74
Published: May 31, 2024
Abstract
Research
background
Retirement
planning
is
viewed
as
one
of
the
cornerstones
long-term
household
financial
security.
The
responsibility
retirement
has
now
been
shifted
to
individual
and
no
longer
employer.
Purpose
This
paper
examines
link
between
literacy
among
informal
sector
traders
in
Randburg
area
Johannesburg,
South
Africa.
methodology
A
questionnaire
approach
was
used
collect
data
from
269
randomly
selected
respondents.
analysed
using
ordinal
regression.
Robustness
tests
were
executed
Wald
test.
Results
Findings
reveal
that
linked
planning,
especially
with
reference
workers.
Additionally,
education,
income
business
observed
have
a
positive
significant
influence
on
planning.
Novelty
contributes
both
theoretical
practical
discourses
for
entrepreneurs
which
not
received
much
attention.
These
results
are
important
policy
makers
well
curriculum
development.
Journal of Family Business Management,
Journal Year:
2023,
Volume and Issue:
14(3), P. 437 - 461
Published: Sept. 7, 2023
Purpose
Present
study
investigated
the
influence
of
female
descendent
entrepreneur's
self-compassion
on
perceived
succession
success
small-family
businesses
(S-FB)
with
mediating
mechanism
financial
literacy.
Design/methodology/approach
The
primary
data
was
collected
from
319
entrepreneurs
who
were
designated
as
chairwomen,
and
managing
director
positions
in
their
retails
sector
S-FBs.
purposive
sampling
technique
used
to
collect
data.
provided
hypotheses
are
tested
using
partial
least
square
structural
equation
modeling
(PLS-SEM)
technique.
This
followed
multiple
regression
analyses
see
(mindfulness,
self-isolation,
self-judgment
over-identification)
literacy
success.
Findings
results
reveal
that
mindfulness
over-identification
significantly
increase
but
self-isolation
decreases
likelihood
successful
transition.
Moreover,
increases
overidentification
while
it
improves
However,
does
not
self-judgmental
traits
Practical
implications
highlights
a
vital
issue,
how
manages
In
addition,
covers
research
gap
helps
S-FBs
improve
survival
rate
by
focusing
Originality/value
contributes
body
knowledge
emphasizing
predictors
transition
subsequent
generations.
determines
mediator
self-control
theory.
can
be
useful
family
business
consultants,
policymakers
businesses.
