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ISSN Approved Journal No: 2456-3315 | Impact factor: 8.14 | ESTD Year: 2016
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| Paper Title: | Influence Of Financial Literacy On Personal Finance Management Among Employees: Case Of County Government Of Baringo, Kenya |
| Authors Name: | Pius Parewa Oleitano , Ruth Winnie Munene |
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| Author Reg. ID: |
IJRTI_188356
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| Published Paper Id: | IJRTI2310103 |
| Published In: | Volume 8 Issue 10, October-2023 |
| DOI: | |
| Abstract: | The investigation's goal is to assess the influence of financial literacy on personal finance management among employees in County government of Baringo, Kenya. The study was guided by the following goal, to ascertain the effect of financial literacy on personal investments on personal debt. The study was based on two theories dual-process theory and the theory of planned behavior. A descriptive quantitative research design was used for the study, which focused on the 346 employees of the county government of Baringo. Data was collected using structured questionnaires which were distributed using simplified sampling to the employees of the county. The sampling frame that was used was the employee register. A sample of 128 employees from the population was conveniently sampled which comprised of all departments at the county. A pilot test was carried out at Nakuru county government to test reliability and validity of the research instrument. The completed questionnaires were keyed in the SPSS 24.0 statistical software and data was analyzed for descriptive statistics. Statistical inferences were drawn by the use of ANOVA (Analysis of Variance) and cross tabulation between the dependent variable, Personal Investments and the independent variable Financial Literacy. The results findings showed that majority of respondents invest a substantial percentage of their income. This shows that those with low financial literacy than those who had high financial literacy. The results carried out on ANOVA test showed that choice of investment had a significant relationship with financial literacy. The study recommends that the employer should make a plan to take their employees through yearly financial literacy training programs as this will not only be beneficial to the personal lives of employees, but also the organization as the employees will be in a better position in managing their funds. |
| Keywords: | Financial literacy, personal financial management |
| Cite Article: | "Influence Of Financial Literacy On Personal Finance Management Among Employees: Case Of County Government Of Baringo, Kenya", International Journal of Science & Engineering Development Research (www.ijrti.org), ISSN:2455-2631, Vol.8, Issue 10, page no.769 - 775, October-2023, Available :http://www.ijrti.org/papers/IJRTI2310103.pdf |
| Downloads: | 000205117 |
| ISSN: |
2456-3315 | IMPACT FACTOR: 8.14 Calculated By Google Scholar| ESTD YEAR: 2016 An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 8.14 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator |
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Published Paper ID: IJRTI2310103
Registration ID:188356
Published In: Volume 8 Issue 10, October-2023
DOI (Digital Object Identifier):
Page No: 769 - 775 Country: Busia, Kenya, Kenya Research Area: Social Science and Humanities Publisher : IJ Publication Published Paper URL : https://www.ijrti.org/viewpaperforall?paper=IJRTI2310103 Published Paper PDF: https://www.ijrti.org/papers/IJRTI2310103 |
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ISSN: 2456-3315
Impact Factor: 8.14 and ISSN APPROVED,
Journal Starting Year (ESTD) : 2016
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