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    题名: 尼加拉瓜的財務素養
    Financial Literacy in Nicaragua
    作者: 米愛蓮
    Elaine Miranda
    贡献者: 蔡政憲
    Jason Tsai
    米愛蓮
    Elaine Miranda
    关键词: 尼加拉瓜
    財務素養
    Nicaragua
    Financial Literacy
    日期: 2012
    上传时间: 2013-06-03 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
    数据类型: thesis
    显示于类别:[國際經營管理英語碩士學程IMBA] 學位論文

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