this paper explores the effectiveness of financial literacy programs. it further seeks to establish the relationship between financial literacy and certain demographic characteristics. this study adopted a correlational research design as the framework to examine the relationship between variables without determining cause and effect. data were randomly collected from 235 petty traders in kumas...

Within the article, the impact of modern digitalization processes on changing household credit behavior is considered. Much attention is paid to defining the essence of digitalization and exploring the features of its impact on the financial services market. Accordingly, the content of household credit behavior and its individual models are examined. This behavior is proposed to be considered a...

his study aims to offer a model of propensity toward indebtedness using behavioral factors from 384 indebted customers of Maskan bank in Tehran. A questionnaire comprising 41 questions was administered. The questionnaire addressed demographic variables and seven behavioral factors: financial literacy, risk perception, risk behavior, emotion, materialism, indebtedness, and money-related values. ...

This paper explores the effectiveness of financial literacy programs. It further seeks to establish the relationship between financial literacy and certain demographic characteristics. This study adopted a correlational research design as the framework to examine the relationship between variables without determining cause and effect. Data were randomly collected from 235 petty traders in Kumas...

Conventional and modern finance is related to various theories concepts that has done respectable job in financial market providing guidance for strategic decisions. Among all, emerging behavior come up with psychological sociological issues affects the choices are often ignored by modernized theories. This paper will elaborate concept of its relation Efficient Market Hypothesis. The helps us k...

Household financial behavior is a crucial topic to study because it determines the family's economic well-being. This examines effect of literacy, attitudes, experience, and income on household behavior. The object this research family finance manager in Sidoarjo City, East Java. data collection technique using an online survey. Sample selection was done by purposive sampling technique. sample ...

The purpose of this study was to analyze the effect financial literacy and technology toward behavior. This type research is explanatory using a sample 389 undergraduate students at UIN Maulana Malik Ibrahim Malang from 2018-2021 class. We collected data through an online questionnaire (google form) analyzed it SEM-PLS with help SmartPLS 3 software. results indicates that had positive significa...