个人理财规划外文翻译文献编辑Word文档下载推荐.docx
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个人理财规划外文翻译文献编辑Word文档下载推荐.docx
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AStudyofPersonalFinancialPlanningProcessandSocio-EconomicDecision-MakinginHouseholds(个人理财规划过程与家庭社会经济决策研究)
国外作者:
SShah,ASBhatt
文献出处:
《SocialScienceElectronicPublishing》,2016字数统计:
英文2308单词,13376字符;
中文4089汉字
外文文献:
AStudyofPersonalFinancialPlanningProcessandSocio-EconomicDecision-MakinginHouseholds
AbstractInthecurrentera,planningoffinanceisassumingextremeimportance
asmyriadfinancialproductsareavailableandindividuals‟demandsareincreasing.Personalfinancialplanningisaprocesswhichoutlinesone‟sfinancialobjectivesandtakesfinancialdecisionsinamannerthathisgoalsareachieved.Theprocessoffinancialplanninganddecision-makinginhouseholdhasbeenstudiedindependentlybyvariousresearchers.However,theseareessentiallyintertwinedinnature.Inviewofthis,theresearchershaveundertakenthetaskofunderstandingwhetherindividualsfollowedthePersonalFinancialPlanningprocessconsciouslyandwhetherthiswaslinkedtohouseholddecision-making,especiallyinthesocialandeconomicareas.Thispaperalsoexaminesgenderinequalityinhouseholddecision-makingandhowhouseholddecision-makingevolveswithtime.ThestudywasconductedintheAhmedabaddistrictofGujarat,andasamplesizeof196respondentswasselectedonjudgmentalbasistomeettheobjectiveofthestudy.Theresponseratewas78%(n=150)whichisconsideredtobeacceptableforaresearchstudy.The samplesize
wasequallysplitbetweenmalesandfemales.ThesurveywascarriedoutinJune-July,2014.AnalysishasbeendonebyusingAnalysisofVariance(ANOVA),Binary
LogisticRegressionandChi-square.
ItwasfoundthatageinfluencescomponentsofPersonalfinancialplanning(PFP)likedeterminingone‟sfinancialobjectives,knowledgeoffinance,satisfactionregardingcurrenteconomicstatus,andretirementplanning.Likewise,gender,income,education,professionandmaritalstatusaffectvariouscomponentsofPFP.Itwasalsofoundthathouseholdeconomicandsocialdecisionswererelatedtoincomeandinvestmentoftherespondent.Further,itcouldbeinferredthatinahousehold,malesheldmorebargainingpowerintakingeconomicdecisions,whilefemalesexertedmoreinfluenceintakingsocialdecisions.
Key-words:
Personal financial planning, financial objective, householdeconomicdecisions,householdsocialdecisions
1.Introduction
Householdfinancialmanagementisthatactivitywhichisconcernedwithplanningandcontrollingfinancesofindividualsandhouseholds.Theconcept
„personalfinancialmanagement‟isofimmenseinteresttoresearchers,academiciansandpolicyformulatorsinthecontextofglobaleconomiccrisisandfinancialinclusionindevelopingcountries.Asinthecaseofanationorbusinessinstitution,financeplaysacrucialroleinthelifeofanindividual,torichorpoor.Mobilisationoffinanceanditswiseandefficientdeploymentplayastrategicroleinthewell-beingofanationorinstitutionandatthemostinthecaseofapersonwhoisthebaseorstartingpointofanyeconomicactivity.Personalfinanceasabranchofeconomicsdealswithbudgeting,saving,investing,borrowing,lending,insuring,anddiversifying.
Personalfinancialplanningdenotestheprocessofdeterminingwhetherandhowanindividualcanmeetlifegoalsthroughthepropermanagementoffinancialsources.
(CFPBoard,2005)
Financialliteracyandfinancialwell-beingaremutuallyrelatedwitheachother(UNDPandPFIP,2010).Financialwell-beingistheabilitytohavewealthtoservelife-tohavethefinancialmeanstocomfortablyattainwhateverpersonalgoalsonehastoenjoyanacceptablelifestyle.Sociologicalresearchdataindicatethatfour
factorsstronglypredicthappinessandoverallwell-beinginmostcultures:
health,economicstatus,employment,andfamilyrelationships.Peoplearehappierwhentheyarehealthy,employed,marriedorinacommittedrelationship,andfinanciallysecure.Thereisarelationshipbetweenanindividual‟sabilitytodosomething(competence)andwell-being(bothself-perceivedhappinessandeconomicwell-being).Well-beingis,atleastinpart,aproductofcompetentbehaviourenactedconsistentlyovertime.
Financialcapabilityandfinancialcompetencethereforeinfluenceaperson‟swell-being.Theopportunityaccordedtopeopletoengagewiththeformalfinancialsystemandhowwelltheymanagethemoneytheyhavewillinfluencetheirstandardoflivingandthestandardoflivingofthoseforwhomtheyareresponsible.
Likeneverbefore,researchers,publicauthorities,communitygroups,industryassociations and international organisations, are initiating financial literacyprogrammesandwanttounderstandhowpeoplecanbecomefinanciallyliterate,orinotherwords,havetheknowledge,understanding,skillsandcompetencetodealwitheverydayfinanc
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