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題名 尼加拉瓜的財務素養
Financial Literacy in Nicaragua
作者 米愛蓮
Elaine Miranda
貢獻者 蔡政憲
Jason Tsai
米愛蓮
Elaine Miranda
關鍵詞 尼加拉瓜
財務素養
Nicaragua
Financial Literacy
日期 2012
上傳時間 3-六月-2013 11:12:06 (UTC+8)
摘要 Financial literacy is the ability to understand how money works, it refers to the set of skills and knowledge that allows an individual to make informed and effective decisions with all of their financial resources. Raising financial literacy levels is a major concern around the world, because it affects how people save, spend, and invest, as well as their ability to create and grow income.
However, Nicaragua is far behind. I started working under the assumption that financial literacy levels in Nicaragua were very low, because of a series of factors. Among them, the macro and micro economic conditions –including poverty level and education-, the unawareness from the government of the importance of financial literacy in people’s lives, the lack of financial advisors nationwide, etc.
To prove my theory, I decided to do a 25 question, online survey in Nicaragua. During a one week period, 343 people from all age ranges answered it and provided me with insights that allowed me to analyze their financial health, as well as their relationship with money. The three main objectives I was looking to accomplish with the survey were: to determine the current situation of financial literacy in Nicaragua, to evaluate the market’s needs regarding personal finance, and to assess the potential market for a personal finance in advisor.
After reviewing the particular socio-economic conditions of the country, I guide you through the questionnaire Nicaraguans had to answer, and provide results and analysis based on them. The lack of financial culture in the country is evident from the beginning till the end of the questionnaire, but the results offer a starting point to increase financial literacy levels.
Some of the main conclusions delivered by this analysis are that people tend to overestimate their financial knowledge and rate their performance and actions better than they actually are, and that most of them are eager to learn about personal finance and lead a healthier financial life.
參考文獻 1. Nearshore, Executive Alliance. June 11, 2012. “Latin America Site Intelligence Report: Nicaragua Report”. http://www.nearshoreexecutives.com/wp-content/uploads/2012/11/LASIR.Nicaragua.FINAL_.110612.pdf. Last accessed: March, 2013.
2. The World Bank. October 23, 2012. “Doing Business 2013: Smarter Regulations for Small and Medium-Size Enterprises”. http://www.doingbusiness.org/reports/global-reports/Doing%20Business%202013.
3. Ethnic groups and Demographic profile. March, 2013. CIA, World factbook. https://www.cia.gov/library/publications/the-world-factbook/geos/nu.html. Last accessed: March, 2013.
4. Birth rate. March, 2013. CIA, World factbook. https://www.cia.gov/library/publications/the-world-factbook/geos/nu.html. Last accessed: March, 2013.
5. Death rate. March, 2013. CIA, World factbook. https://www.cia.gov/library/publications/the-world-factbook/geos/nu.html. Last accessed: March, 2013.
6. CELADE - Population Division of ECLAC. 2012 Revision. Nicaragua: “Long term population estimates and projections 1950-2100”. Last accessed: March, 2013.
7. International Monetary Fund (IMF). September, 2012. “IMF Country Report No. 12/256: Nicaragua”. Last accessed: March, 2013.
8. Nicaragua, Latin America. November, 2012. “Awana International”. http://awanainternational.org/resources/Nicaragua.pdf. Last accessed: March, 2013.
9. Jeniffer Castillo Bermúdez. September 29,2012. “Hay que revisar la cifra de analfabetas”. La Prensa. http://www.laprensa.com.ni/2012/09/29/ambito/118118-hay-que-revisar-cifra. Last accessed: March, 2013.
10. IndexMundi. Real GDP Growth Rate Chart. http://www.indexmundi.com/g/g.aspx?c=nu&v=66. Last accessed: March, 2013.
11. Banco Central de Nicaragua. February, 2013. “Informe Anual 2012”. http://www.bcn.gob.ni/publicaciones/anual/memoria/2012/Cap3-Producto_interno_bruto.pdf. Last accessed: March, 2013.
12. Wendy Álvarez Hidalgo. August 24,2012. “Nuevo Ajuste Salarial”. La Prensa. http://www.laprensa.com.ni/2012/08/24/activos/113548-nuevo-ajuste-salarial. Last accessed: March, 2013.
13. The World Bank. Nicaragua. http://web.worldbank.org/WBSITE/EXTERNAL/COUNTRIES/LACEXT/NICARAGUAEXTN/0,,print:Y~isCURL:Y~contentMDK:22255024~pagePK:1497618~piPK:217854~theSitePK:258689,00.html. Last accessed: March, 2013.
14. The World Bank. http://data.worldbank.org/country/nicaragua. Last accessed: March, 2013.
15. Instituto Nacional de Información de Desarrollo (NIDE). January, 2013. “Precios de la Canasta Básica”. http://www.inide.gob.ni/CanastaB/CanastaB.htm. Last accessed: March, 2013.
16. Josh Cramer Montes. March 26, 2012. “Pro Mujer in Nicaragua Hosts Inaugural Velasco & Patterson Society ‘Encuentro’”. ProMujer. http://promujer.org/wp-content/uploads/2012/11/press_releases_articles_110_Pdf_Pro-Mujer-in-Nicaragua-Hosts-Inaugural-Velasco.pdf. Last accessed: March, 2013.
描述 碩士
國立政治大學
國際經營管理英語碩士學位學程(IMBA)
100933038
101
資料來源 http://thesis.lib.nccu.edu.tw/record/#G0100933038
資料類型 thesis
dc.contributor.advisor 蔡政憲zh_TW
dc.contributor.advisor Jason Tsaien_US
dc.contributor.author (作者) 米愛蓮zh_TW
dc.contributor.author (作者) Elaine Mirandaen_US
dc.creator (作者) 米愛蓮zh_TW
dc.creator (作者) Elaine Mirandaen_US
dc.date (日期) 2012en_US
dc.date.accessioned 3-六月-2013 11:12:06 (UTC+8)-
dc.date.available 3-六月-2013 11:12:06 (UTC+8)-
dc.date.issued (上傳時間) 3-六月-2013 11:12:06 (UTC+8)-
dc.identifier (其他 識別碼) G0100933038en_US
dc.identifier.uri (URI) http://nccur.lib.nccu.edu.tw/handle/140.119/58306-
dc.description (描述) 碩士zh_TW
dc.description (描述) 國立政治大學zh_TW
dc.description (描述) 國際經營管理英語碩士學位學程(IMBA)zh_TW
dc.description (描述) 100933038zh_TW
dc.description (描述) 101zh_TW
dc.description.abstract (摘要) Financial literacy is the ability to understand how money works, it refers to the set of skills and knowledge that allows an individual to make informed and effective decisions with all of their financial resources. Raising financial literacy levels is a major concern around the world, because it affects how people save, spend, and invest, as well as their ability to create and grow income.
However, Nicaragua is far behind. I started working under the assumption that financial literacy levels in Nicaragua were very low, because of a series of factors. Among them, the macro and micro economic conditions –including poverty level and education-, the unawareness from the government of the importance of financial literacy in people’s lives, the lack of financial advisors nationwide, etc.
To prove my theory, I decided to do a 25 question, online survey in Nicaragua. During a one week period, 343 people from all age ranges answered it and provided me with insights that allowed me to analyze their financial health, as well as their relationship with money. The three main objectives I was looking to accomplish with the survey were: to determine the current situation of financial literacy in Nicaragua, to evaluate the market’s needs regarding personal finance, and to assess the potential market for a personal finance in advisor.
After reviewing the particular socio-economic conditions of the country, I guide you through the questionnaire Nicaraguans had to answer, and provide results and analysis based on them. The lack of financial culture in the country is evident from the beginning till the end of the questionnaire, but the results offer a starting point to increase financial literacy levels.
Some of the main conclusions delivered by this analysis are that people tend to overestimate their financial knowledge and rate their performance and actions better than they actually are, and that most of them are eager to learn about personal finance and lead a healthier financial life.		en_US
dc.description.tableofcontents 1. Introduction 1
2. Nicaragua 3
2.1. General 3
2.2. Population 4
2.2.1. Age distribution 4
2.2.2. Demographic Bonus 4
2.2.3. Education 5
2.3. Economy 6
2.3.1. Poverty 7
2.4. Nicaragua and Personal Finance 8
3. Design of Questionnaire 10
3.1. Survey 11
4. Results and Analysis 17
4.1. Part 1: Demographic Data 17
4.2. Part 2: Self-assessment 19
4.3. Part 3: Financial Performance 25
4.4. Part 4: Financial Help 32
4.5. Cross-Analysis 37
4.5.1. Age 26-35 39
4.5.2. Age 36-45 40
4.5.3. Employed vs. Own Business and Freelancers 41
4.6. Survey Conclusions 42
5. Market Potential 46
5.1. Personal Finance Advice 46
5.2. Improving Financial Literacy 47
6. References 49		zh_TW
dc.format.extent 1115071 bytes-
dc.format.mimetype application/pdf-
dc.language.iso en_US-
dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0100933038en_US
dc.subject (關鍵詞) 尼加拉瓜zh_TW
dc.subject (關鍵詞) 財務素養zh_TW
dc.subject (關鍵詞) Nicaraguaen_US
dc.subject (關鍵詞) Financial Literacyen_US
dc.title (題名) 尼加拉瓜的財務素養zh_TW
dc.title (題名) Financial Literacy in Nicaraguaen_US
dc.type (資料類型) thesisen
dc.relation.reference (參考文獻) 1. Nearshore, Executive Alliance. June 11, 2012. “Latin America Site Intelligence Report: Nicaragua Report”. http://www.nearshoreexecutives.com/wp-content/uploads/2012/11/LASIR.Nicaragua.FINAL_.110612.pdf. Last accessed: March, 2013.
2. The World Bank. October 23, 2012. “Doing Business 2013: Smarter Regulations for Small and Medium-Size Enterprises”. http://www.doingbusiness.org/reports/global-reports/Doing%20Business%202013.
3. Ethnic groups and Demographic profile. March, 2013. CIA, World factbook. https://www.cia.gov/library/publications/the-world-factbook/geos/nu.html. Last accessed: March, 2013.
4. Birth rate. March, 2013. CIA, World factbook. https://www.cia.gov/library/publications/the-world-factbook/geos/nu.html. Last accessed: March, 2013.
5. Death rate. March, 2013. CIA, World factbook. https://www.cia.gov/library/publications/the-world-factbook/geos/nu.html. Last accessed: March, 2013.
6. CELADE - Population Division of ECLAC. 2012 Revision. Nicaragua: “Long term population estimates and projections 1950-2100”. Last accessed: March, 2013.
7. International Monetary Fund (IMF). September, 2012. “IMF Country Report No. 12/256: Nicaragua”. Last accessed: March, 2013.
8. Nicaragua, Latin America. November, 2012. “Awana International”. http://awanainternational.org/resources/Nicaragua.pdf. Last accessed: March, 2013.
9. Jeniffer Castillo Bermúdez. September 29,2012. “Hay que revisar la cifra de analfabetas”. La Prensa. http://www.laprensa.com.ni/2012/09/29/ambito/118118-hay-que-revisar-cifra. Last accessed: March, 2013.
10. IndexMundi. Real GDP Growth Rate Chart. http://www.indexmundi.com/g/g.aspx?c=nu&v=66. Last accessed: March, 2013.
11. Banco Central de Nicaragua. February, 2013. “Informe Anual 2012”. http://www.bcn.gob.ni/publicaciones/anual/memoria/2012/Cap3-Producto_interno_bruto.pdf. Last accessed: March, 2013.
12. Wendy Álvarez Hidalgo. August 24,2012. “Nuevo Ajuste Salarial”. La Prensa. http://www.laprensa.com.ni/2012/08/24/activos/113548-nuevo-ajuste-salarial. Last accessed: March, 2013.
13. The World Bank. Nicaragua. http://web.worldbank.org/WBSITE/EXTERNAL/COUNTRIES/LACEXT/NICARAGUAEXTN/0,,print:Y~isCURL:Y~contentMDK:22255024~pagePK:1497618~piPK:217854~theSitePK:258689,00.html. Last accessed: March, 2013.
14. The World Bank. http://data.worldbank.org/country/nicaragua. Last accessed: March, 2013.
15. Instituto Nacional de Información de Desarrollo (NIDE). January, 2013. “Precios de la Canasta Básica”. http://www.inide.gob.ni/CanastaB/CanastaB.htm. Last accessed: March, 2013.
16. Josh Cramer Montes. March 26, 2012. “Pro Mujer in Nicaragua Hosts Inaugural Velasco & Patterson Society ‘Encuentro’”. ProMujer. http://promujer.org/wp-content/uploads/2012/11/press_releases_articles_110_Pdf_Pro-Mujer-in-Nicaragua-Hosts-Inaugural-Velasco.pdf. Last accessed: March, 2013.		zh_TW