In this study it is aimed to understand the life standarts of the living of teachers working in both public and the private sector by examining through their spending habits. The universe of the research is cons

Social Networking Sites (SNS) encourage users to post and share personal information as part of their online social interactions to build and maintain social relations amongst likeminded people. The uniqueness of these SNS is that it allows individuals to meet strangers, but also enable users to...

Prior to the 1970s, the systems of higher education in most Asia countries had been elitist in nature, but in the past few decades many of these countries have been gradually shifting in the direction of mass higher education. However, in developing countries there is very little public funding...

This paper estimates the effect of contactless payment on the spending ratio in terms of transactions for different transaction types at the point-of-sale. The specifc devices that are investigated are debit and credit cards, to which the feature is embedded. Data is drawn from a national...

This paper investigates the impact of household debt on the consumption during the last reces-sion. The total financial debt has been raising markedly during the past three decades in ad-vanced economies and the discussion about economic implications of household debt has re-ceived high...

Financial education programs that are being conducted in many countries are relatively new. Therefore, literature on financial literacy is also a developing field which has not yet reached maturity. This paper provides a review current research on financial literacy and identifies gaps in the...

This paper deals with the relationship of short-term and long-term interest rates and the amount of deposits and loans of households. The aim is to demonstrate the relationship between interest and Current Discount Index (CDI). CDI expresses the growth rate of the ratio of loans to deposits of...

This paper studies the interdependence of households’ financial assets and liabilities in European countries. Most studies treat household liabilities as negative assets and relate households’ decisions to their net wealth. However, the components of net wealth, i.e. financial liabilities,...

Food security is one of the most critical problems facing Sub Sahara Africa as more than 45 percent of households have moderate to severe household hunger. The number of poor people living in urban areas is increasing as well as the number of food insecure households, mainly because of the...