Sayej Jiries R. J. (2025) The Interplay of Financial Literacy, Personal Financial Planning, and Self-Care: A Comparative Study of Young Adults in Hungary and Palestine. Pénzügyi és Számviteli Kar.
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Absztrakt (kivonat)
This thesis presents a comparative study investigating the complex interplay between financial literacy, personal financial planning, and self-care among young adults (aged 18-29) in Hungary and Palestine. Employing a mixed-methods, cross-sectional research design, the study reveals a critical paradox: while both groups report identical mean self-assessed financial literacy scores (3.4/5), the substance and application of this knowledge differ fundamentally. Hungarian youth exhibit "declarative financial literacy"—formal, theoretical knowledge rooted in national educational frameworks—which effectively translates into structured financial behaviors like budgeting (74.6%) and expense tracking (76.2%). In contrast, Palestinian youth demonstrate "procedural financial literacy"—a pragmatic, survival-based understanding shaped by economic scarcity—which fails to translate into conventional planning due to overwhelming structural constraints like low and unpredictable income.The research further uncovers that financial planning acts as "psychological infrastructure." In Hungary, it fosters a virtuous cycle of control and reduced stress, where planning behaviors themselves are primary self-care strategies. In Palestine, the inability to plan, despite recognizing its necessity, creates a "cycle of financial learned helplessness," exacerbating psychological distress. The study concludes by proposing the principle of "contextual primacy," arguing that financial capability development is primarily shaped by the dominant barrier in a given ecosystem: structural and external in Palestine versus behavioral and cultural in Hungary. Consequently, it recommends tailored interventions—"financial resilience education" for structurally constrained contexts and "financial trust-building education" for behaviorally constrained ones—calling for a paradigm shift from universal, one-size-fits-all financial literacy programs to context-sensitive, empathetic approaches that address the root causes of financial disempowerment.
Intézmény
Budapesti Gazdasági Egyetem
Kar
Tudományterület/tudományág
NEM RÉSZLETEZETT
Szak
| Mű típusa: | diplomadolgozat (NEM RÉSZLETEZETT) |
|---|---|
| Kulcsszavak: | financial literacy, Financial Self-care, Hungary, Magyarország, Palestine, Palesztina, Personal Financial Planning, pénzügy, pénzügyi tervezés |
| SWORD Depositor: | User Archive |
| Felhasználói azonosító szám (ID): | User Archive |
| Rekord készítés dátuma: | 2026. Júl. 09. 11:07 |
| Utolsó módosítás: | 2026. Júl. 09. 11:07 |
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