dc.contributor.author	Joo, So-hyun	en
dc.contributor.committeechair	Garman, E. Thomas	en
dc.contributor.committeemember	Harvey, Robert J.	en
dc.contributor.committeemember	Bailey, Carol A.	en
dc.contributor.committeemember	Kratzer, Constance Y.	en
dc.contributor.committeemember	Leech, Irene E.	en
dc.contributor.department	Housing, Interior Design, and Resource Management	en
dc.date.accessioned	2014-03-14T20:21:58Z	en
dc.date.adate	1998-05-01	en
dc.date.available	2014-03-14T20:21:58Z	en
dc.date.issued	1998-04-15	en
dc.date.rdate	1999-05-01	en
dc.date.sdate	1998-04-15	en
dc.description.abstract	The problem that was examined in this research was to develop and test a conceptual model that describes the relationship between personal financial wellness and worker job productivity. The research questions were (1) what is the personal financial wellness profile?; (2) how does the personal financial wellness profile differ by the demographic characteristics?; (3) what is the relationship between financial stressors and personal financial wellness profile?; (4) what is the relationship between personal financial wellness and financial stress level?; (5) what is the worker job productivity profile?; (6) what is the relationship between personal financial wellness and worker job productivity?; (7) what is the relationship between financial stress and worker job productivity?; and (8) what financial education programs do employees want in the future? In order to test a part of the conceptual model, a survey research design was undertaken. A questionnaire was developed and pre-tested. A mail survey (N=474) of white-collar clerical workers of a large employer located in mid-eastern state was conducted during January, February, and March of 1998. From a random sample of 447 (27 out of original 474 were undeliverable), 288 questionnaires were returned (64.4%). Seventeen questionnaires were determined unusable resulting in a 60.4% usable return rate (271/447). In terms of subjective perception, as a group, the respondents were not financially well. In the behavioral assessment, the respondents reported above a mid-point score. On overall financial wellness scales, the respondents were not satisfied with their financial situation. Personal financial wellness was influenced by some of the demographic characteristics and financial stressors. The lower levels of personal financial wellness were related to the financial stress level. Those who have high levels of personal financial wellness reported better performance ratings, less absenteeism, and less work time used for personal financial matters. Workers are interested in comprehensive financial education programs which include retirement education, better use of employee benefits, money management, credit management, and consumer protection. Some workers are not financially well because they have financial problems. If employers can improve personal financial wellness of workers, such as through financial education, it may increase productivity, because personal financial wellness is related to worker productivity.	en
dc.description.degree	Ph. D.	en
dc.identifier.other	etd-4198-155242	en
dc.identifier.sourceurl	http://scholar.lib.vt.edu/theses/available/etd-4198-155242/	en
dc.identifier.uri	http://hdl.handle.net/10919/30519	en
dc.publisher	Virginia Tech	en
dc.relation.haspart	FRONTM_1.PDF	en
dc.relation.haspart	1.PDF	en
dc.relation.haspart	2.PDF	en
dc.relation.haspart	3.PDF	en
dc.relation.haspart	4.PDF	en
dc.relation.haspart	5.PDF	en
dc.relation.haspart	6.PDF	en
dc.relation.haspart	7.PDF	en
dc.relation.haspart	8.PDF	en
dc.relation.haspart	REFERE_1.PDF	en
dc.relation.haspart	APPENDIX.PDF	en
dc.relation.haspart	VITA1.PDF	en
dc.rights	In Copyright	en
dc.rights.uri	http://rightsstatements.org/vocab/InC/1.0/	en
dc.subject	Personal financial wellness	en
dc.subject	Worker job productivity	en
dc.subject	Workplace financial education	en
dc.subject	Financial stressor	en
dc.title	Personal Financial Wellness and Worker Job Productivity	en
dc.type	Dissertation	en
thesis.degree.discipline	Housing, Interior Design, and Resource Management	en
thesis.degree.grantor	Virginia Polytechnic Institute and State University	en
thesis.degree.level	doctoral	en
thesis.degree.name	Ph. D.	en

Personal Financial Wellness and Worker Job Productivity

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