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Predictive effect of the relationship between debt-instruments and the usage of savings of tools by consumers

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dc.contributor.advisor Nienaber, H.
dc.contributor.advisor Van Aardt, C.
dc.contributor.author Risenga, Arthur
dc.date.accessioned 2013-10-23T14:50:54Z
dc.date.available 2013-10-23T14:50:54Z
dc.date.issued 2013-10
dc.identifier.citation Risenga, Arthur (2013) Predictive effect of the relationship between debt-instruments and the usage of savings of tools by consumers, University of South Africa, Pretoria, <http://hdl.handle.net/10500/11907> en
dc.identifier.uri http://hdl.handle.net/10500/11907
dc.description.abstract This study seeks to show that a higher usage of debt instruments by consumers with limited available funds leads to the usage of savings tools to finance debt costs, which subsequently results in lower levels of savings. This was espoused by the literature on PFM and also proven by the test results from the research hypotheses that were computed by means of a logistic regression. The test results showed that there is a statistically significant relationship between the usage of debt instruments and the usage of savings tools. An emphasis is placed on the importance of savings as an integral component of the PFM concept: it is namely seen to be indispensable to good financial planning to ensure current and future consumer financial security. Therefore, this study concludes by highlighting the importance of consumers’ financial- management skills in minimising debt costs to increase levels of savings by controlling higher consumption expenditure through debt. en
dc.format.extent 1 online resource (ix, 187 leaves : ill.)
dc.language.iso en en
dc.subject Debts instruments en
dc.subject Savings tools en
dc.subject Personal financial management en
dc.subject Financial planning en
dc.subject Financial security en
dc.subject Financial wellness en
dc.subject.ddc 332.7
dc.subject.lcsh Finance, Personal
dc.subject.lcsh Consumer credit
dc.subject.lcsh Financial security
dc.title Predictive effect of the relationship between debt-instruments and the usage of savings of tools by consumers en
dc.type Dissertation en
dc.description.department Business Management en
dc.description.degree M. Com. (Business management)


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