{"id":21014,"date":"2024-10-04T15:11:26","date_gmt":"2024-10-04T09:41:26","guid":{"rendered":"http:\/\/www.sachdevajk.in\/?p=21014"},"modified":"2024-10-04T15:11:29","modified_gmt":"2024-10-04T09:41:29","slug":"financial-awareness","status":"publish","type":"post","link":"http:\/\/www.sachdevajk.in\/?p=21014","title":{"rendered":"Financial Awareness"},"content":{"rendered":"<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p><strong>Financial Awareness <\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u00a0\u00a0 <\/strong><\/p>\n<p><strong>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u00a0\u00a0\u00a0 <\/strong><strong>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0Author<\/strong><\/p>\n<p><strong>\u00a0\u00a0 <\/strong>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <strong>\u00a0<\/strong>Pooja Sharma- 02133024151<\/p>\n<p>\u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0Prajwal Jambhle- 021330024157<\/p>\n<p>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Rahil Parekh-<\/p>\n<blockquote>\n<div>\n<div dir=\"auto\">\n<div dir=\"auto\">021330024226<\/div>\n<\/div>\n<\/div>\n<\/blockquote>\n<p>\u00a0\u00a0 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>Introduction<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p>Financial awareness is indeed a significant concern in India, impacting individuals&#8217; financial well-being and the country&#8217;s economic growth. Your research aims to assess the status of individuals&#8217; financial awareness.<\/p>\n<p>\u00a0<\/p>\n<p><strong>Objective<\/strong><\/p>\n<p>\u00a0<\/p>\n<p>Objective behind conducting this survey is that<\/p>\n<p>This study will help us to understand Financial Awareness Gaps and also financial well-being.<\/p>\n<p>\u00a0<\/p>\n<p><strong>Literature Review <\/strong><\/p>\n<p>\u00a0<\/p>\n<p><strong>Journal 1<\/strong><\/p>\n<p>\u00a0<\/p>\n<p>A financial awareness index derived from Google Trends, revealing that higher financial awareness correlates with better financial outcomes, such as increased savings and lower delinquency rates. It emphasizes the critical role of financial awareness in influencing financial behavior and suggests that utilizing search-based data can effectively complement traditional survey methods in assessing financial\u00a0literacy.<\/p>\n<p>\u00a0<\/p>\n<p>Source: <a href=\"https:\/\/search.app\/rQgG3epd5TUa4ss37\">https:\/\/search.app\/rQgG3epd5TUa4ss37<\/a><\/p>\n<p>\u00a0<\/p>\n<p><strong>Journal 2<\/strong><\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>Financial awareness and knowledge have a great impact on women financial behavior and enables her to financially empower herself. The level of financial awareness and knowledge is very low in our country.<\/p>\n<p>\u00a0<\/p>\n<p>Source: <a href=\"https:\/\/search.app\/EqcCqYRBmtBT7hmZ8\">https:\/\/search.app\/EqcCqYRBmtBT7hmZ8<\/a><\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p><strong>Data collection <\/strong><\/p>\n<p>\u00a0<\/p>\n<p>We have collected the data from 100 people by using google forms. We have frame 5 questions about financial Awareness by using Likert scale questions are as follows:<\/p>\n<p>\u00a0<\/p>\n<ol>\n<li>I am familiar with basic financial terms.: &#8211; this question helps us to understand how many people are aware of financial terms.<\/li>\n<\/ol>\n<p>\u00a0<\/p>\n<ol start=\"2\">\n<li>I can keep track of daily expenditures: &#8211; this question helps us to understand how much they can track their day-to-day expenditure.<\/li>\n<\/ol>\n<p>\u00a0<\/p>\n<ol start=\"3\">\n<li>I am able to track my incomes and expenses: &#8211; it shows how people are balancing their income and expenses in their day-to-day life.<\/li>\n<\/ol>\n<p>\u00a0<\/p>\n<ol start=\"4\">\n<li>I am able to invest to get better returns.<\/li>\n<li>I am able to file my Income Tax Return-<\/li>\n<\/ol>\n<p>\u00a0These two questions are showing us how people are using their knowledge about the financial terms<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p><strong>Data analysis <\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<table>\n<tbody>\n<tr>\n<td width=\"108\">\n<p><strong>Survey Questions<\/strong><\/p>\n<\/td>\n<td width=\"103\">\n<p><strong>\u00a0I am familiar with basic financial terms.<\/strong><\/p>\n<\/td>\n<td width=\"106\">\n<p><strong>I am able to keep a track on daily expenditures.<\/strong><\/p>\n<\/td>\n<td width=\"98\">\n<p><strong>I am able to track my incomes and expenses.<\/strong><\/p>\n<\/td>\n<td width=\"94\">\n<p><strong>I am able to invest to get better returns.<\/strong><\/p>\n<\/td>\n<td width=\"91\">\n<p><strong>I am able to file my Income Tax Return.<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td width=\"108\">\n<p><strong>Mean<\/strong><\/p>\n<\/td>\n<td width=\"103\">\n<p>3.552380952<\/p>\n<\/td>\n<td width=\"106\">\n<p>3.4<\/p>\n<\/td>\n<td width=\"98\">\n<p>3.552380952<\/p>\n<\/td>\n<td width=\"94\">\n<p>3.076190476<\/p>\n<\/td>\n<td width=\"91\">\n<p>2.942857143<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td width=\"108\">\n<p><strong>SD<\/strong><\/p>\n<\/td>\n<td width=\"103\">\n<p>1.232422196<\/p>\n<\/td>\n<td width=\"106\">\n<p>1.334454657<\/p>\n<\/td>\n<td width=\"98\">\n<p>1.285877076<\/p>\n<\/td>\n<td width=\"94\">\n<p>1.356574008<\/p>\n<\/td>\n<td width=\"91\">\n<p>1.511676167<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td width=\"108\">\n<p><strong>SE<\/strong><\/p>\n<\/td>\n<td width=\"103\">\n<p>0.120272091<\/p>\n<\/td>\n<td width=\"106\">\n<p>0.13022944<\/p>\n<\/td>\n<td width=\"98\">\n<p>0.125488753<\/p>\n<\/td>\n<td width=\"94\">\n<p>0.132388067<\/p>\n<\/td>\n<td width=\"91\">\n<p>0.147524488<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td width=\"108\">\n<p><strong>Z<\/strong><\/p>\n<\/td>\n<td width=\"103\">\n<p>4.592760859<\/p>\n<\/td>\n<td width=\"106\">\n<p>3.071502119<\/p>\n<\/td>\n<td width=\"98\">\n<p>4.401836327<\/p>\n<\/td>\n<td width=\"94\">\n<p>0.575508637<\/p>\n<\/td>\n<td width=\"91\">\n<p>-0.387344893<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td width=\"108\">\n<p><strong>Difference<\/strong><\/p>\n<\/td>\n<td width=\"103\">\n<p>1.592760859<\/p>\n<\/td>\n<td width=\"106\">\n<p>0.071502119<\/p>\n<\/td>\n<td width=\"98\">\n<p>1.401836327<\/p>\n<\/td>\n<td width=\"94\">\n<p>-2.424491363<\/p>\n<\/td>\n<td width=\"91\">\n<p>-3.387344893<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td width=\"108\">\n<p><strong>Status<\/strong><\/p>\n<\/td>\n<td width=\"103\">\n<p>Agree<\/p>\n<\/td>\n<td width=\"106\">\n<p>Neutral<\/p>\n<\/td>\n<td width=\"98\">\n<p>Agree<\/p>\n<\/td>\n<td width=\"94\">\n<p>Disagree<\/p>\n<\/td>\n<td width=\"91\">\n<p>Disagree<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>Conclusion <\/strong><\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<ul>\n<li>Students are familiar with basic financial terms.<\/li>\n<li>Students are able to keep track of daily expenditures.<\/li>\n<li>Students are Neutral to track their income and expense.<\/li>\n<li>Students are not able to invest to get better returns.<\/li>\n<li>Students are not able to file my Income Tax Return.<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<p><strong>References<\/strong><\/p>\n<p>\u00a0<\/p>\n<p><strong>Journal 1<\/strong><\/p>\n<p>Department of Management and Commerce, Sri Sathya Sai Institute of Higher Learning, Anantapur Campus, Anantapur-515001, Andhra Pradesh, India sumaiahsiraj@gmail.com, <a href=\"mailto:njayaprada@sssihl.edu.in\">njayaprada@sssihl.edu.in<\/a><\/p>\n<p><a href=\"https:\/\/search.app\/EqcCqYRBmtBT7hmZ8\">https:\/\/search.app\/EqcCqYRBmtBT7hmZ8<\/a><\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p><strong>Journal 2<\/strong><\/p>\n<p>Associate Professor Finance Department, Fowler College of Business San Diego State University San Diego, CA 92182-8236 Tel: 619.594.2082 Email: <a href=\"mailto:ntang@sdsu.edu\">ntang@sdsu.edu<\/a><\/p>\n<p>Ning appreciates the financial support from the TIAA Institute research grant. She thanks Adrian Kieback and Kate Martsul for their research assistance. Opinions expressed herein are those of the author alone and not those of San Diego State University, TIAA, the TIAA Institute, or any other institution with which the author is affiliated.<\/p>\n<p><a href=\"https:\/\/search.app\/rQgG3epd5TUa4ss37\">https:\/\/search.app\/rQgG3epd5TUa4ss37<\/a><\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p><strong>Financial Awareness <\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u00a0\u00a0 <\/strong><\/p>\n<p><strong>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u00a0\u00a0\u00a0 <\/strong><strong>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0Author<\/strong><\/p>\n<p><strong>\u00a0\u00a0 <\/strong>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <strong>\u00a0<\/strong>Pooja Sharma- 02133024151<\/p>\n<p>\u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0Prajwal Jambhle- 021330024157<\/p>\n<p>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Rahil Parekh-<\/p>\n<p>\u00a0\u00a0 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>Introduction<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p>Financial awareness is indeed a significant concern in India, impacting individuals&#8217; financial well-being and the country&#8217;s economic growth. Your research aims to assess the status of individuals&#8217; financial awareness.<\/p>\n<p>\u00a0<\/p>\n<p><strong>Objective<\/strong><\/p>\n<p>\u00a0<\/p>\n<p>Objective behind conducting this survey is that<\/p>\n<p>This study will help us to understand Financial Awareness Gaps and also financial well-being.<\/p>\n<p>\u00a0<\/p>\n<p><strong>Literature Review <\/strong><\/p>\n<p>\u00a0<\/p>\n<p><strong>Journal 1<\/strong><\/p>\n<p>\u00a0<\/p>\n<p>A financial awareness index derived from Google Trends, revealing that higher financial awareness correlates with better financial outcomes, such as increased savings and lower delinquency rates. It emphasizes the critical role of financial awareness in influencing financial behavior and suggests that utilizing search-based data can effectively complement traditional survey methods in assessing financial\u00a0literacy.<\/p>\n<p>\u00a0<\/p>\n<p>Source: <a href=\"https:\/\/search.app\/rQgG3epd5TUa4ss37\">https:\/\/search.app\/rQgG3epd5TUa4ss37<\/a><\/p>\n<p>\u00a0<\/p>\n<p><strong>Journal 2<\/strong><\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>Financial awareness and knowledge have a great impact on women financial behavior and enables her to financially empower herself. The level of financial awareness and knowledge is very low in our country.<\/p>\n<p>\u00a0<\/p>\n<p>Source: <a href=\"https:\/\/search.app\/EqcCqYRBmtBT7hmZ8\">https:\/\/search.app\/EqcCqYRBmtBT7hmZ8<\/a><\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p><strong>Data collection <\/strong><\/p>\n<p>\u00a0<\/p>\n<p>We have collected the data from 100 people by using google forms. We have frame 5 questions about financial Awareness by using Likert scale questions are as follows:<\/p>\n<p>\u00a0<\/p>\n<ol>\n<li>I am familiar with basic financial terms.: &#8211; this question helps us to understand how many people are aware of financial terms.<\/li>\n<\/ol>\n<p>\u00a0<\/p>\n<ol start=\"2\">\n<li>I can keep track of daily expenditures: &#8211; this question helps us to understand how much they can track their day-to-day expenditure.<\/li>\n<\/ol>\n<p>\u00a0<\/p>\n<ol start=\"3\">\n<li>I am able to track my incomes and expenses: &#8211; it shows how people are balancing their income and expenses in their day-to-day life.<\/li>\n<\/ol>\n<p>\u00a0<\/p>\n<ol start=\"4\">\n<li>I am able to invest to get better returns.<\/li>\n<li>I am able to file my Income Tax Return-<\/li>\n<\/ol>\n<p>\u00a0These two questions are showing us how people are using their knowledge about the financial terms<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p><strong>Data analysis <\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<table>\n<tbody>\n<tr>\n<td width=\"108\">\n<p><strong>Survey Questions<\/strong><\/p>\n<\/td>\n<td width=\"103\">\n<p><strong>\u00a0I am familiar with basic financial terms.<\/strong><\/p>\n<\/td>\n<td width=\"106\">\n<p><strong>I am able to keep a track on daily expenditures.<\/strong><\/p>\n<\/td>\n<td width=\"98\">\n<p><strong>I am able to track my incomes and expenses.<\/strong><\/p>\n<\/td>\n<td width=\"94\">\n<p><strong>I am able to invest to get better returns.<\/strong><\/p>\n<\/td>\n<td width=\"91\">\n<p><strong>I am able to file my Income Tax Return.<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td width=\"108\">\n<p><strong>Mean<\/strong><\/p>\n<\/td>\n<td width=\"103\">\n<p>3.552380952<\/p>\n<\/td>\n<td width=\"106\">\n<p>3.4<\/p>\n<\/td>\n<td width=\"98\">\n<p>3.552380952<\/p>\n<\/td>\n<td width=\"94\">\n<p>3.076190476<\/p>\n<\/td>\n<td width=\"91\">\n<p>2.942857143<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td width=\"108\">\n<p><strong>SD<\/strong><\/p>\n<\/td>\n<td width=\"103\">\n<p>1.232422196<\/p>\n<\/td>\n<td width=\"106\">\n<p>1.334454657<\/p>\n<\/td>\n<td width=\"98\">\n<p>1.285877076<\/p>\n<\/td>\n<td width=\"94\">\n<p>1.356574008<\/p>\n<\/td>\n<td width=\"91\">\n<p>1.511676167<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td width=\"108\">\n<p><strong>SE<\/strong><\/p>\n<\/td>\n<td width=\"103\">\n<p>0.120272091<\/p>\n<\/td>\n<td width=\"106\">\n<p>0.13022944<\/p>\n<\/td>\n<td width=\"98\">\n<p>0.125488753<\/p>\n<\/td>\n<td width=\"94\">\n<p>0.132388067<\/p>\n<\/td>\n<td width=\"91\">\n<p>0.147524488<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td width=\"108\">\n<p><strong>Z<\/strong><\/p>\n<\/td>\n<td width=\"103\">\n<p>4.592760859<\/p>\n<\/td>\n<td width=\"106\">\n<p>3.071502119<\/p>\n<\/td>\n<td width=\"98\">\n<p>4.401836327<\/p>\n<\/td>\n<td width=\"94\">\n<p>0.575508637<\/p>\n<\/td>\n<td width=\"91\">\n<p>-0.387344893<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td width=\"108\">\n<p><strong>Difference<\/strong><\/p>\n<\/td>\n<td width=\"103\">\n<p>1.592760859<\/p>\n<\/td>\n<td width=\"106\">\n<p>0.071502119<\/p>\n<\/td>\n<td width=\"98\">\n<p>1.401836327<\/p>\n<\/td>\n<td width=\"94\">\n<p>-2.424491363<\/p>\n<\/td>\n<td width=\"91\">\n<p>-3.387344893<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td width=\"108\">\n<p><strong>Status<\/strong><\/p>\n<\/td>\n<td width=\"103\">\n<p>Agree<\/p>\n<\/td>\n<td width=\"106\">\n<p>Neutral<\/p>\n<\/td>\n<td width=\"98\">\n<p>Agree<\/p>\n<\/td>\n<td width=\"94\">\n<p>Disagree<\/p>\n<\/td>\n<td width=\"91\">\n<p>Disagree<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>Conclusion <\/strong><\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<ul>\n<li>Students are familiar with basic financial terms.<\/li>\n<li>Students are able to keep track of daily expenditures.<\/li>\n<li>Students are Neutral to track their income and expense.<\/li>\n<li>Students are not able to invest to get better returns.<\/li>\n<li>Students are not able to file my Income Tax Return.<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<p><strong>References<\/strong><\/p>\n<p>\u00a0<\/p>\n<p><strong>Journal 1<\/strong><\/p>\n<p>Department of Management and Commerce, Sri Sathya Sai Institute of Higher Learning, Anantapur Campus, Anantapur-515001, Andhra Pradesh, India sumaiahsiraj@gmail.com, <a href=\"mailto:njayaprada@sssihl.edu.in\">njayaprada@sssihl.edu.in<\/a><\/p>\n<p><a href=\"https:\/\/search.app\/EqcCqYRBmtBT7hmZ8\">https:\/\/search.app\/EqcCqYRBmtBT7hmZ8<\/a><\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p><strong>Journal 2<\/strong><\/p>\n<p>Associate Professor Finance Department, Fowler College of Business San Diego State University San Diego, CA 92182-8236 Tel: 619.594.2082 Email: <a href=\"mailto:ntang@sdsu.edu\">ntang@sdsu.edu<\/a><\/p>\n<p>Ning appreciates the financial support from the TIAA Institute research grant. She thanks Adrian Kieback and Kate Martsul for their research assistance. Opinions expressed herein are those of the author alone and not those of San Diego State University, TIAA, the TIAA Institute, or any other institution with which the author is affiliated.<\/p>\n<p><a href=\"https:\/\/search.app\/rQgG3epd5TUa4ss37\">https:\/\/search.app\/rQgG3epd5TUa4ss37<\/a><\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p>\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 Financial Awareness \u00a0 \u00a0 \u00a0 \u00a0 \u00a0\u00a0 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0 \u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0Author \u00a0\u00a0 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0Pooja Sharma- 02133024151 \u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0Prajwal Jambhle- 021330024157 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Rahil Parekh- 021330024226 \u00a0\u00a0 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 Introduction \u00a0 Financial awareness is indeed a&hellip; <a class=\"more-link\" href=\"http:\/\/www.sachdevajk.in\/?p=21014\">Continue reading <span class=\"screen-reader-text\">Financial Awareness<\/span><\/a><\/p>\n","protected":false},"author":139448,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[38],"tags":[],"class_list":["post-21014","post","type-post","status-publish","format-standard","hentry","category-finance","entry"],"_links":{"self":[{"href":"http:\/\/www.sachdevajk.in\/index.php?rest_route=\/wp\/v2\/posts\/21014","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.sachdevajk.in\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.sachdevajk.in\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.sachdevajk.in\/index.php?rest_route=\/wp\/v2\/users\/139448"}],"replies":[{"embeddable":true,"href":"http:\/\/www.sachdevajk.in\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=21014"}],"version-history":[{"count":1,"href":"http:\/\/www.sachdevajk.in\/index.php?rest_route=\/wp\/v2\/posts\/21014\/revisions"}],"predecessor-version":[{"id":21015,"href":"http:\/\/www.sachdevajk.in\/index.php?rest_route=\/wp\/v2\/posts\/21014\/revisions\/21015"}],"wp:attachment":[{"href":"http:\/\/www.sachdevajk.in\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=21014"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.sachdevajk.in\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=21014"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.sachdevajk.in\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=21014"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}