This study explores the sources of occupational stress for engineers. General organization*) sources (macro) as well as job related sources (micro) were considered. For ail engineers at différent job levels, ike macro sources contributed store to their stress than the micro sources. Problems with the orgaairattonal reward system and time pressure were fou ad to be the top two sources of stress. Moreover, the lack of opportunities for development aad for the use of abilities to the fullest came next on the list of stressors. The results also showed that the first level supervisors perceived the highest stress level while the third level supervisors expressed the lowest stress level. The implications of these results were discussed.
COVID-19 has caused not only unprecedented health crises but also economic crises among individuals across the world. White-collar (salaried-class) employees with a fixed salary face financial insecurity due to job loss, pay cuts and uncertainty in retaining a job. This study examines the financial behavior of Indian white-collar salaried-class investors to their cognitive biases. In addition, the mediating effect of financial self-efficacy on cognitive biases and financial behavior is examined. Respondents were given structured questionnaires (google forms) through emails and WhatsApp for data collection. SPSS and R-PLS are used to analyze the data. Conservatism (r = –.603, p < 0.05) and herding bias (r = –.703, p < 0.05) have a significant negative correlation with financial behavior. Financial self-efficacy has a significant positive correlation (r =.621. p < 0.050). Conservatism and herding predicted 60.5% and 62.2% of the variance, respectively. The direct and indirect paths between conservatism bias, financial self-efficacy, and financial behavior are significant. The paths between herding, financial self-efficacy and financial behavior are also significant.
Acknowledgement The authors express their sincere gratitude to Dr Suresha B (Associate Professor, School of business and management, CHRIST (Deemed to be university), Bangalore, India ) for encouraging and motivating them to accomplish this research task. The authors also extend their sincere thanks to Prof. Krishna T.A. (Assistant Professor, School of business and management, CHRIST (Deemed to be university), Bangalore, India) and Dr Sridevi Nair (Assistant Professor, School of business and management, CHRIST (Deemed to be university), Bangalore, India) for their support throughout this empirical investigation.
In India, financial literacy and financial inclusion is the need of the hour. Though economic growth of the country is growing in a positive direction, it is derailed by many factors, such as financial literacy, accountability, and stability of the common public. It could be due to the deprived accessibility to the financial services in India. This study addresses the two key elements in economic growth of the country, namely financial literacy and financial inclusion, and how it could be handled by financial technology. This study sets up the platform in which it is trying to include perception and attitude of both the provider and the user of the FinTech services and compiling its impact on both financial literacy and financial inclusion. A sample size of 644 respondents have been selected using multi-stage sampling technique and distributed with structured questionnaire. The study result gives implication for FinTech service providers in understanding the consumer perspectives and government for policy making.
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