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The Relationships Among Financial Literacy, Financial Behaviors, Financial Attitudes, and Homeownership Within Low-Moderate Income Households in Los Angeles County.

Record Type:	Language materials, manuscript : Monograph/item
Title/Author:	The Relationships Among Financial Literacy, Financial Behaviors, Financial Attitudes, and Homeownership Within Low-Moderate Income Households in Los Angeles County./
Author:	Ahmed, Aliyu.
Description:	1 online resource (166 pages)
Notes:	Source: Dissertations Abstracts International, Volume: 85-02, Section: A.
Contained By:	Dissertations Abstracts International85-02A.
Subject:	Finance. -
Online resource:	click for full text (PQDT)
ISBN:	9798380137454

The Relationships Among Financial Literacy, Financial Behaviors, Financial Attitudes, and Homeownership Within Low-Moderate Income Households in Los Angeles County.
Ahmed, Aliyu.

The Relationships Among Financial Literacy, Financial Behaviors, Financial Attitudes, and Homeownership Within Low-Moderate Income Households in Los Angeles County. - 1 online resource (166 pages)

Source: Dissertations Abstracts International, Volume: 85-02, Section: A.

Thesis (D.B.A.)--Pepperdine University, 2023.

Includes bibliographical references

This dissertation explores how financial literacy, financial capability, financial self-efficacy, and future time perspective affect the likelihood of low-moderate income (LMI) households in Los Angeles County owning a home and holding a mortgage. It draws on existing literature on financial literacy, financial capability, financial self-efficacy, future time perspective, and homeownership to develop a theoretical framework that identifies the factors that influence LMI households' access to homeownership. Using secondary data merged from six surveys conducted by the University of Southern California (USC) Understanding America Study (UAS) from 2015 to 2022, it analyzes the relationships among financial literacy, financial behaviors, financial attitudes, and mortgage holding among 2,098 participants. The findings revealed significant positive associations between holding a mortgage and financial literacy, income, age, Hispanic ethnicity, and specific levels of educational attainment. However, financial self-efficacy, financial capability, and future time perspective did not demonstrate significant moderating effects in the relationship between financial literacy and holding a mortgage. The dissertation concludes that enhancing financial literacy among LMI households is crucial for increasing their access to homeownership and suggests possible interventions and policies for doing so.

Electronic reproduction.
Ann Arbor, Mich. :
ProQuest,
2024

Mode of access: World Wide Web

ISBN: 9798380137454Subjects--Topical Terms:

559073
Finance.
Subjects--Index Terms:

financial literacy, financial capability, FutureIndex Terms--Genre/Form:

554714
Electronic books.

The Relationships Among Financial Literacy, Financial Behaviors, Financial Attitudes, and Homeownership Within Low-Moderate Income Households in Los Angeles County.
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