Factors Influencing the Size of Student Debt

The overall purpose of this study is to analyze the influence of selected sociodemographic variables and students\u27 knowledge about their educational loans on the amount of total debt. The specific objectives were to: (1) ascertain students\u27 perception of knowledge about their student loans, as well as their actual knowledge about various aspects of their student loans including: when they first borrowed, interest rate, grace period, when payment will begin, amount of monthly payment, and their overall self-reported level of knowledge; and (2) ascertain the relationship between students\u27 sociodemographic characteristics and level of knowledge on total debt

Money Management Knowledge of College Students

This study describes the money management knowledge of college students and identifies the characteristics of students associated with the differences in that knowledge level

Financial socialization's impact on investment orientation and household net worth

This study investigates the role of financial socialization for investment orientation and household net worth. Combining consumer socialization literature with findings in the behavioural finance literature, survey data were analysed to (1) investigate the relationship among household net worth, financial socialization, indicators of investment orientation and socio-demographic investor characteristics; (2) examine the influence of socio-demographic investor characteristics and financial socialization on indicators of investment orientation; and (3) test whether financial socialization affects household wealth above and beyond socio-demographic and investment orientation factors. Parents emerged as a relevant socialization agent of investors, influencing investment regularity and household net worth above and beyond other factors. This result extends earlier findings about parents' role for a person's financial management and savings behaviour to the investment context. Based on our findings, educators may want to involve parents in their efforts. They may want to emphasize the importance of starting investing regularly at an early age and of continuing to increase involvement in investing over the years. Financial planners and financial counsellors may consider emphasizing these two practices for their clients and involve children of their clients when and where appropriate

Students\u27 Perceptions of Their Education Debt and Its Impact on Life After Graduation

Student loans comprise the primary source of financial aid funding for higher education. But how much do students know about the realities of loan indebtedness? This study evaluates data collected in winter 1996 from 443 graduating seniors at a Midwestem university. Its results diverge somewhat from those of some early studies, yet support other recent research. Many of the surveyed students were reportedly unaware of their total loan indebtedness and payment obligations (over- and underestimating debt payments); borrowed to support a better lifestyle ; and were unable to estimate realistically their post-graduation earnings and ability to meet their repayment obligations. The results suggest a need for greater educating of prospective borrowers and the assumption of a preventive posture on the part of those involved in the lending process

Assessment of Pesticide Use in Major Vegetables From Farmers\u27 Perception and Knowledge in Dhading District, Nepal

A field study was carried out to assess the pesticide use status in major vegetable crops from farmers\u27 perception and knowledge in Dhading, Nepal in 2019. Field study was carried with 100 commercial farmer\u27s using semi-structure questionnaire by face to face interview. This study was analyzed by categorization of farmers into small holder (51) and large holder (49) groups on the basis of mean area of vegetable cultivation (6.48 ropani). The highest amount of pesticides is needed in tomato in both large holders and small holders according to the farmer\u27s experience. Among the study farmer\u27s, 41% of them spray the pesticides by making a cocktail or mixed method and 56%  follow the waiting period of 3-5 days in both of the cases. A significant positive correlation was found at 5% level of significance between the knowledge and practice pattern of waiting period of the pesticides and negative correlation was found between the Personal Protective equipment score and health hazard score. Headache was the major health hazards faced by the farmers which was higher in small holders (66.7%) as compared to the large holders (46.9%). Mask was the most used PPE by the farmer\u27s i.e. by 83% in overall. Fourty three percent of the farmer\u27s throw the pesticide containers in secret place after using of it.The use of PPE was seen lower in small holders as compared to the large holders. This study reveals the necessities of suitable program and policies regarding the knowledge, safe handling and use of pesticide among the farmer\u27s level

Occurrence and diversity of Xanthomonas campestris pv. campestris in vegetable brassica fields in Nepal

Black rot caused by Xanthomonas campestris pv. campestris was found in 28 sampled cabbage fields in five major cabbage-growing districts in Nepal in 2001 and in four cauliflower fields in two districts and a leaf mustard seed bed in 2003. Pathogenic X. campestris pv. campestris strains were obtained from 39 cabbage plants, 4 cauliflower plants, and 1 leaf mustard plant with typical lesions. Repetitive DNA polymerase chain reaction-based fingerprinting (rep-PCR) using repetitive extragenic palindromic, enterobacterial repetitive intergenic consensus, and BOX primers was used to assess the genetic diversity. Strains were also race typed using a differential series of Brassica spp. Cabbage strains belonged to five races (races 1, 4, 5, 6, and 7), with races 4, 1, and 6 the most common. All cauliflower strains were race 4 and the leaf mustard strain was race 6. A dendrogram derived from the combined rep-PCR profiles showed that the Nepalese X. campestris pv. campestris strains clustered separately from other Xanthomonas spp. and pathovars. Race 1 strains clustered together and strains of races 4, 5, and 6 were each split into at least two clusters. The presence of different races and the genetic variability of the pathogen should be considered when resistant cultivars are bred and introduced into regions in Nepal to control black rot of brassicas

Management of Root Knot Nematode on Tomato Through Grafting Root Stock of Solanum Sisymbriifolium

The root-knot nematodes (Meloidogyne spp) are difficult to manage once established in the field because of their wide host range, and soil-borne nature. Thus, the aim of the present study was to examine the use of resistant root stock of wild brinjal (Solanum sisymbriifolium) to reduce the loss caused by the nematodes on tomato. For the management of root-knot nematodes, grafted plant with resistant root stock of the wild brinjal was tested under farmers\u27 field conditions at Hemza of Kaski district. Grafted and non-grafted plants were produced in root-knot nematode-free soil. Around three week-old grafted and non-grafted tomato plants were transplanted in four different plastic tunnels where root-knot nematodes had been reported previously. The plants were planted in diagonal position to each other as a pair plot in 80 × 60 cm2 spacing in an average of 20 × 7 m2 plastic tunnels. Galling Index (GI) was recorded three times in five randomly selected plants in each plot at 60 days intervals. The first observation was recorded two months after transplanting. Total fruit yield was recorded from same plants. In the grafted plants, the root system was totally free from gall whereas in an average of 7.5 GI in 0-10 scale was recorded in the non-grafted plants. Fruits were harvested from time to time and cumulated after final harvest to calculate the total fruit yield. It was estimated that on an average tomato fruit yield was significantly (P>0.05) increased by 37 percent in the grafted plants compared with the non-grafted plants. Grafting technology could be used effectively for cultivation of commonly grown varieties, which are susceptible to root-knot nematodes in disease prone areas. This can be used as an alternative technology for reducing the use of hazardous pesticides for enhancing commercial organic tomato production.Journal of Nepal Agricultural Research Council Vol.3 2017: 27-3

Not a Black and European-Americans question: how are investor behavior and perceptions related to race and ethnicity?

This paper explores racial/ethnical differences among investors’ risk tolerance, confidence, and asset ownership. The data for this study is derived from a national telephone survey conducted at a regional Midwest university. The data collection began by purchasing 7,500 phone numbers from Survey Sampling International. Potential households were selected by targeting phone numbers from the sample in geographical areas with average household incomes of $100,000 per year or higher. Results show that among higher income investors, African-Americans were less likely to invest in corporate stocks and bonds; Asian-Americans expressed particularly high investor confidence and had a preference for purchasing Certificates of Deposit (CDs); Hispanic-Americans expressed significantly lower risk tolerance and lower holdings of corporate stocks. These findings indicate that community-based financial education should be aware of these racial/ethnic characteristics and aim to tailor educational interventions to it, where possible. These findings offer valuable insights to educators, financial planners and financial 115 institutions offering these products