REFERENCES
Alhabeeb, M. J. (1999). Allowances and the Economic Socialization of Children”,
Association for FinancialCounselling and Planning Education, 10 (2), 1-9.
Ali, S. (2013). Financial literacy in Malaysia: Issues and status update.
Allen, M. W., Edwards, R., Hayhoe, C. R. and Leach, L. (2007), Imagined
interaction, attitudes towards money and credit, and family coalitions, Journal of Family
and Economic Issues, 28, 3-22.
Ansong, A. (2011). Level of Knowledge in Personal Finance by University Freshmen
Business Students, African Journal of Business Management, 5 (22),pp. 8933-
8940. Available at: [Link]
Arnone, W. J. (1999). Selling the value of employee financial education to management. Paper
presented at the Personal Finance Employee Education Conference, Roanoke, VA.
Avard, S., Manton, E., English, D., and Walker, J. (2005). The financial knowledge of college
freshmen. College Student Journal, 39, 321-339.
Bandura, A. (1977). Social learning theory. Englewood Cliffs, NJ: Prentice-Hall.
Bayer, P. J., Bernheim, B. D., andScholz, J. K. (1996).Theeffects of financial education in the
workplace:Evidence from a survey of employers. Working PaperIssue 5655, Cambridge,
MA: NBER.
Beal, D. andDelpachtra, S. (2003). „Financial literacy among Australian university
students‟,Economic Papers, vol. 22, pp 65-78.
Bernheim, B. D., Garrett, D. M., and Maki, D. M. (2001).Education and saving: The long-term
effects of high school financial curriculum mandates. Journal of
Beverly, S. G., and Burkhalter, E. K. (2005).Improving the financial literacy and practices of
youth. Child Sch, 27(2),
Braunstein, S. and Welch, C. (2002). Financial literacy: An overview of practice, research and
policy. Federal Reserve Bulletin, 88, 445-457.
Chen, H. and Volpe, R. P. (1998).An analysis of personal financial literacy among college
students. Financial Services Review, 7(2), 107–128. doi:10.1016/S1057-
0810(99)80006-7
Chen, H. and Volpe, R. P. (2002).Gender differences in personal financial literacy among
college students. Financial Services Review, 11, 289–307.
Chen, H., and Volpe, R. P. (1998).An analysis of personal financial literacy among college
students. Financial Services Review, 7(2), 107–128. Do i:10.1016/S1057-
0810(99)800067
Chowa, G. and Ansong, D. (2010).Youth and Savings in Assets Africa. Children and
Youth Services Review, 32 (11), pp. 1591-1596.
Comeau.T, M., and Rhine, S. L. W. (2000).Delivery of financial literacy [Link] and
Community Affairs Division, 7, 12. Retrieved from
[Link]
Comptroller of the Currency (2011).Financial Literacy Fact [Link] March3,
2012, from Office of the Comptroller of the Currency:
[Link]
Consumer Federation of America (1993). Consumer student consumer knowledge: A
nationwide test. (Available from Consumer Federation of America, 1424 Sixteenth
Street, NW, Suite 604, Washington, D.C. 20036).
Dahlia I, Rabitah H, Zuraidah M. I. (2009).A study on financial literacy of Malaysian degree
students. [Link]., 5(4): 51-59.
Danes, S. M., and Hira, T. K. (1987).Money management knowledge of college students .The
Journal of Students Financial Aid, 17(1), 4–
Finke, M. (2009). Individual wealth management: Does self-esteem matter? Journal of Applied
Business and Economics, 10(2), 11-24.
Ford, M. W., and Kent, D. W. (2010). Gender Differences in Student Financial Market Attitudes
and Awareness: An Exploratory Study. Journal of Education for Business , 85, 7‐12.
Fox, J., Bartholomae, S., and Lee, J. (2005).Building the Case for Financial
Education. TheJournal of Consumer Affairs , 39 (1), 195‐214.
Garman, E.T., Sorhaindo, B., Prawitz, A., O‟Neill, B., Osteen, S., Kim, J., Drentea, P.,Haynes,
G., and Weisman, R.L. (2005). Development of and norms for the in charge financial
distress/financial well-being scale: A summary. Consumer Interests Annual,51, 233-238.
Gyabaah, N. (2009). Ghana National Strategy for Financial Literacy and Consumer
Protection in the Microfinance Sector, Ministry of Finance and Economic Planning
(MoFEB), Accra, Ghana.
Hanna, M. E., Hill, R. R. and Perdue,G.(2010).School of study and financial literacy. Journal of
Economics and Economic Education Research 11(3): 29-37.
Hilgert, M. A., Hogarth, J. M., and Beverly, S. G. (2003). Household financial management The
connection between knowledge and behavior. Federal Reserve Bulletin, 89, 309-322.
Hilgert, M. A., Hogarth, J. M., and Beverly, S. G. (2003). Household financial management:
The connection between knowledge and behavior. Federal Reserve Bulletin, 7, 309-322.
Hung, A. A., Parker, A. M., andYoong, J. K. (2009). Defining and measuring financial literacy.
RAND Labor Popul, WR708, 1–28.
Huston, S. J. (2009). The Concept and Measurement of Financial Literacy: Preliminary Results
from a New Survey on Financial Literacy Assessment.
Conference Presentation, Academy of Financial Services Annual Conference, Anaheim,
CA, October 9.
Ibrahim, D., Harun, R., and Isa, Z. M. (2009).A study on financial literacy of
Malaysian degree students. Cross cultural Communication, 5(4), 51–59.
Joo, S. and Garman, E. (1998). Workers want more than retirement education at theirworkplace:
A report of research findings. Personal Finances and Worker Productivity,2(2), 156–
161.
Joo, S., and Grable, J. E. (2000).Improving employee productivity: The role of financial
counseling and educationJournal of Employment Counseling, 37, 2-
15.
Jumpstart Coalition for Personal Financial Literacy 2008 [Link]
state_legislation/[Link]
Kim, J. K. (2003). Home-schooling helps students manage their money in college. Wall Str. J.,
20 August, p. 1.
Kim, J., and Garman, E. T. (2004).Financial stress, pay satisfaction, and workplace
[Link] and Benefits Review, 36(1), 69-76.
Lusardi, A. and Olivia M. (2008).Planning andFinancial Literacy. How Do Women
Fare?American Economic Review, 98(2), pp.
Lusardi, A. and Peter T. (2008).Debt Literacy, Financial Experiences, and Over indebtedness,
mimeo, Harvard Business School.
Lusardi, A. and Tufano, P.(2009). Debt literacy, financial experiences, and overindebtedness.
(NBERWorking Paper 14808). Cambridge, Mass.: National
Bureau of Economic Research.61-281.
Lusardi, A., and Mitchell,O.(2006).Financial Literacy and Planning: Implications For
Retirement Wellbeing, Pension Research Council Working Paper 1, The Wharton
School.
Lyons, A. C., Chang, Y., and Scherpf, E. M. (2006).Translating financial education into behavior
change for low-income populations. Financial Counseling and Planning, 17(2), 8-34.
Mandell, L. (2001). Improving Financial Literacy: What Schools and Parents Can and Cannot
Do. Washington, D.C.: Jumpstart Coalition
Mandell, L. (2006). Financial literacy: Improving education results of the 2006 national
Jump$tartsurvey. Washington, DC: Jumpstart Coalition.
Mandell, L. (2008). Financial Education in High School, in A. Lusardi (ed.),
Overcoming the Saving Slump: How to Increase the Effectiveness of Financial
Education and Saving Programs, Chicago: University of Chicago Press, pp.
257-279.
Mason, R.W. “and Schinder, P.S. “Business Research Methods”. 9th edn., MCGraw-
Hill, New York (2006)
National Council on Economic Education, (2005).What American teens and adults know about
economics,” Washington, D.C.
Neuman, W.L “Social Research Methods. Quantitative and Qualitative Approaches”.
6th edn. Pearson Education, Inc.U.S (2006)
Noctor, M., Stoney, [Link], R. (1992).Financial literacy. London, England: Report
prepared for the National Westminster Bank.
Organization for Economic Co-Operation and Development (2005).Improving
Financial Literacy: Analysis of Issues and Policies, Paris, France.
Peng, T., Bartholomae, S., Fox, J., and Cravener, G. (2007). The impact of personal finance
education delivered in high school and college courses. Financial Counseling and
Planning, 17(2), 27-45.27.
Perry, V. [Link] Morris, M. D. (2005). Who is in control? The role of self-perception, knowledge,
and income in explaining consumer financial behavior. Journal of Consumer Affairs,
39(2), 299-313.28.
Pillai, R., Carlo , R., andD'souza , R. (2010). Financial prudence among youth. Munich Personal
RePEc Archive, 22. Retrieved from
[Link]
President‟s Advisory Council on Financial Literacy. (2008). 2008 Annual Report to the
President, Washington, DC, US Department of the Treasury, p7Public Economics, 80,
435-465
Remund, D. L. (2010). Financial Literacy Explicated: The Case for a Clearer
Definition in an Increasingly Complex Economy. Journal of Consumer Affairs, 44,276–
[Link]: 10.1111/[Link] Journal of Consumer Affairs, 40, 208-
235.
Saunders, M. Lewis, P. Thornhill, A. “Research Methods for Business students” 4th edn. Pearson
Education Limited (2007)
Schagen,S and Lines, A.(1996).Financial literacy in adult life. National Foundation for
Educational Research.
Sullivan, T.J “Method of Social Research” Harcourt College Publishers, U.S. (2001)
Tekpeh S. (2010). Financial literacy week launched. The GhanaianTimes. Retrieved
January 17, 2011, [Link]/[Link].
U.S. Financial Literacy and Education Commission (2007). The National Strategy for Financial
Literacy, [Link] downloads/ [Link]
(accessed August 1, 2010).
Van Rooij, M., Lusardi, A., and Alessie, R. (2007).Financial literacy and stock market
participation.
White, J. (1999). The psychology of [Link] Canada, 23(1), 9.
World Bank (2009) The Case for Financial Literacy in Developing Countries, Washington:
World Bank, DFID and OECD
Worthington, A. (2006). Predicting financial literacy in Australia, Financial Services
Review, vol.15, no. 1, pp59-79.
Worthington, A. (2008). Knowledge and perceptions of superannuation in Australia,
Journal ofConsumer Policy, vol. 31, pp349-368.
Worthington, A. and Higgs,H. 2003. Factors explaining the choice of finance major:
the role of students‟ characteristics, personality and perceptions of the profession.
Accounting Education 12(3):