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All Journal Indonesian Journal of Business and Entrepreneurship (IJBE) Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Indonesian Journal of Social Research (IJSR) Research in Social Sciences and Technology
Ndou, Adam
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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The Difference in Parental Financial Socialisation Across Parental Education Level Ndou, Adam
Research in Social Sciences and Technology Vol 9 No 2 (2024): Research in Social Sciences and Technology
Publisher : Research in Social Sciences and Technology- OpenED Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46303/ressat.2024.23

Abstract

Around the world, parental financial socialization now heavily depends on the educational attainment of the parents. This study looked into how parental financial socialization varied depending on the educational attainment of the parents. Parental financial behavior, financial monitoring, financial discussion, financial communication, and financial teaching were used as metrics for measuring parental financial socialization. In this study, a quantitative research approach was used. Since Fetakgomo Tubatse and Intsika Yethu municipalities are the most rural and low-income locations in South Africa, data were gathered through the use of a self-administered questionnaire. Data analysis techniques included Tukey HSD test, Welch robust test, Levene's test, descriptive statistics, and exploratory factor analysis (EFA). The results demonstrated that parental financial socialization varies significantly depending on the educational attainment of the parents. Therefore, financial socialization is more common among parents who have greater education levels than it is among those who have lower education levels. This study's findings are the first to show that parental financial socialization varies significantly depending on the educational attainment of the parents. This study suggests that more research be done on the variations in parental financial socialization across parental educational levels in other areas. Additionally, it is advised that the South African government develop initiatives aimed at addressing and raising parental education levels because research indicates that parents who have completed more education are more likely to participate in financial socialization, which affects young adults' financial literacy and well-being.
The Impact of Institutional, Strategic, and Structural Constraints, Along With Management Competencies on Black-Owned SMMEs Performance: a Structural Equation Modelling Approach Tlhagale, Felicity Kgomotso; Ndou, Adam
Indonesian Journal of Business and Entrepreneurship Vol. 11 No. 2 (2025): IJBE, Vol. 11 No. 2, May 2025
Publisher : School of Business, IPB University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/ijbe.11.2.395

Abstract

Background: The worldwide discussion focused on investigating the impact of institutional constraints, management capabilities, and both structural and strategic constraints on performance outcomes of small, medium, and micro enterprises (SMMEs).Objective: This study aims to enhance and widen the analysis by investigating how institutional, strategic, and structural constraints, along with management capabilities, affect the performance measures of Black-owned SMMEs, intending to provide a more thorough and expansive analysisDesign/methodology/approach: A quantitative analysis approach was employed, using a structural equation model to examine the interconnections among various factors, including financial, informational, and human capabilities in relation to management capabilities, as well as financial and organisational development in relation to performance. A total of 544 small businesses owned by Black individuals in South Africa participated in the study.Results: The results demonstrate a negative correlation between institutional constraints and business performance (H1), along with a similar negative relationship between strategic and structural constraints and performance (H2). In contrast, the anticipated positive link between management competencies and performance (H3) was not confirmed. These findings highlight the necessity for proactive measures to transform regulatory settings and improve organisational structures.Conclusion: This study tackles a crucial void in the existing literature by exploring the connections among organisational limitations, operational and strategic challenges, management skills, and entrepreneurial success. There is an urgent need for collaborative initiatives among policymakers, business development agencies, and stakeholders to promote entrepreneurship, improve management skills, and bolster organisational frameworks. Through these interventions, Black-owned SMMEs will thrive, generate employment, inspire innovation, and aid in overall economic and social progress.Originality/value: The present research is the initial exploration into the detrimental impact of institutional, strategic, and structural limitations, along with management capacities, on the entrepreneurial performance of SMMEs within South African contexts. Keywords: black-owned smmes, business performance, institutional constraints, management competencies, structural barriers
Investigation into the Interrelation Between Parenting Styles and Parental Financial Behavior Ndou, Adam
Indonesian Journal of Social Research (IJSR) Vol 6 No 1 (2024): Indonesian Journal of Social Research (IJSR)
Publisher : Universitas Djuanda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/ijsr.v6i1.419

Abstract

Parenting styles are an essential factor in how parents raise their children. More literature is needed about the role of parenting styles on parental financial socialization. How parents manage their finances is essential as children observe and imitate their parents' behavior. This study investigated the relationship between parenting styles and parental financial behavior. Parenting style was measured through authoritarian, neglectful, authoritative, and permissive. This study adopted a quantitative research approach and used a self-administered questionnaire to collect data from young adults in two provinces (Gauteng and Mpumalanga) in South Africa. Correlation analysis was used to analyze data. The results showed a significant positive relationship between authoritarian, neglectful, authoritative, and permissive parenting styles and parental financial behavior. Thus, it is concluded that a significant positive relationship exists between parenting styles and parental financial behavior. The study implies that parents should invest more time in understanding and evaluating their parenting styles and adopt authoritarian, authoritative, and permissive parenting styles as they were found to support and foster financial socialization. Financial educators and the government must design and implement financial programs to inform parents of different parenting styles. This study contributes to the existing body of knowledge by empirically testing the relationship between parenting styles and parental financial behavior.
Parental Financial Monitoring and Financial Literacy: The Moderating Effects of Parental Income Ndou, Adam
Dinasti International Journal of Economics, Finance & Accounting Vol. 4 No. 4 (2023): Dinasti International Journal of Economics, Finance & Accounting (September - O
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v4i4.1934

Abstract

The moderating effect of parental income on parental financial monitoring and financial literacy is increasingly becoming important. This study determined whether the relationship between parental financial monitoring and financial literacy is moderated by parental income. Quantitative research approach was adopted. Self-administered questionnaire was used to collect data. Moderated regression analysis was used to analyse data. The results showed that Parental income moderated the relationship of Parental financial monitoring with financial knowledge, financial behaviour, and financial attitude. Furthermore, the results indicated that parental income did not moderate the relationship of Parental financial monitoring and financial decision-making. Therefore, the overall results indicated that the relationship between parental financial monitoring and financial literacy is moderated by parental income. This study is the first to investigate whether the relationship between parental financial monitoring and financial literacy is moderated by parental income. This study concluded by providing recommendations and suggestions for future research.
Co-Authors Tlhagale, Felicity Kgomotso