References
Abakah-Yawson, D. P. (2018). Financial literacy of small business owners, financial records keeping and enterprise performance in the Tarkwa-Nsuaem municipality (Doctoral dissertation, University of Cape Coast). Abdeldayem, M. M. (2016). Is there a relationship between financial literacy and investment decisions in the kingdom of Bahrain? 5(4), 203-221. Acharya, D. S., Bhat, P. S., & Sumalatha, P. J. (2023). A study on financial literacy and investment behaviour of teachers. Journal of Survey in Fisheries Sciences, 10(1S), 5096-5106. Ahmed, A., & Fayyaz, A. (2021). Debt stress, financial coping, and psychological well-being among university students. Journal of Financial Counseling and Planning, 32(1), 151- Albarrán, I., & Attanasio, O. (2020). The effects of credit and debit literacy on borrowing behavior and debt accumulation: Evidence from a randomized controlled trial in Chile. American Economic Journal: Applied Economics, 12(2), 38-65. Ameliawati, M., & Setiyani, R. (2018). The influence of financial attitude, financial socialization, and financial experience to financial management behavior with financial literacy as the mediation variable. KnE Social Sciences, 3(10), 811– https://doi.org/10.18502/kss.v3i10.3174 Ammerman, D. A., & Stueve, C. (2019). Childhood financial socialization and debt-related financial well-being indicators in adulthood. Journal of Financial Counseling and Planning, 30(2), 213–230. https://doi.org/10.1891/1052-3073.30.2.213 Anand, A., Irvine, P. J., & Puckett, A. (2020). The cost of financial advice: Evidence from mutual funds. Journal of Finance, 75(4), 1949-1980. Appiah, J. (2019). Financial literacy and saving behaviour among Teaching and Non- Teaching Staff of Swedru School of Business (Doctoral dissertation, University of Cape Coast). Arthur, H. B. (2019). Financial literacy, financial behaviour and savings behaviour among owner-managers of small and Medium-scale enterprises in Awutu Senya East District (Doctoral dissertation, University of Cape Coast). Balagobei, S., & Prashanthan, V. (2021). Impact of financial literacy on investment decisions: evidence from individual investors in Jaffna district. International Journal of Accounting and Business Finance, 7. Bayer, A., Kuhn, A., & Schulte, M. (2020). The dynamics of child development: Analyzing socio-economic status and maternal education. Journal of Applied Econometrics, 35(1), 101-120. Borgloh, S., & Dannenberg, A. (2021). Do socio-economic factors influence financial literacy? Evidence from Germany. Journal of Consumer Policy, 44(2), 339-364. Brigham, E. F., & Ehrhardt, M. C. (2017). Financial management: Theory & practice (15th ed.). Cengage Learning. Cameron, M. P., Calderwood, R., Cox, A., Lim, S., & Yamaoka, M. (2014). Factors associated with financial literacy among high school students in New Zealand. International Review of Economics Education, 16, 12-21. Chepngetich, P. (2016). Effect of financial literacy and performance SMEs. Evidence from Kenya. Evidence from Kenya. Cole, B. (2018). Financial education in the classroom. Education Digest, 84(7), 26-32. Council for Economic Education. (2020). National Standards for Financial Literacy. Retrieved from https://www.councilforeconed.org/national-standards-for-financial-literacy/. Dabira, E. (2018). The impact of tuition fees on students' choice of university: A case study of Nigerian students. International Journal of Educational Research, 4(3), 11-22. Edeh, C. (2023). Global money week: Financial literacy activities in Nigerian schools. Journal of Economic Education, 7(2), 120-134. European Commission. (2020). A capital markets union for people and businesses-new action plan (COM/2020/590 final). https://eur- lex.europa.eu/resource.html?uri=cellar:61042990fe46-11ea- b44f01aa75ed71a1.0001.02/DOC_1&format=PDF. Fernandes, D., Lynch Jr, J. G., & Netemeyer, R. G. (2014). Financial literacy, financial education, and downstream financial behaviors. Management Science, 60(8), 1861- Gitman, L. J., & Zutter, C. J. (2019). Principles of managerial finance (15th ed.). Pearson. Hamza, N., & Arif, I. (2019). Impact of financial literacy on investment decisions: The mediating effect of big-five personality traits model. Market Forces, 14(1), 43-60. Handini, S. (2024). The impact of financial literacy, investment knowledge, and investment motivation on investment decisions. West Science Journal Economic and Entrepreneurship, 2(01), 46–62. https://doi.org/10.58812/wsjee.v2i01.553 Hastings, J. S., & Mitchell, O. S. (2011). How financial literacy and impatience shape retirement wealth and investment behaviors. National Bureau of Economic Research Working Paper Series, No. 16740. Hilgert, M. A., Hogarth, J. M., & Beverly, S. G. (2003). Household financial management: The connection between knowledge and behavior. Federal Reserve Bulletin, 89(7), 309- Hira, T. K. (2015). Promoting sustainable financial behaviour: Implications for education and research. International Journal of Consumer Studies, 36(5), 502-507. Hira, T. K., & Mugenda, O. M. (2019). Financial education in schools: Promoting financial literacy among high school students. Journal of Financial Counseling and Planning, 30(2), 257-269. https://www.vanguardngr.com/2023/03/ponzi-scheme-has-caused-my-two-sons-mental- problems-distraught-mother-laments/ Ibanga, F. (2021). The Dangers of Trading Cryptocurrencies. This Day Live. Retrieved from https://www.thisdaylive.com/index.php/2021/06/05/the-dangers-of-trading- cryptocurrencies/ Janor, H., Yakob, R., Hashim, N. A., Zanariah, Z., & Wel, C. A. C. (2016). Financial literacy and investment decisions in Malaysia and United Kingdom: A comparative analysis. Geografia, 12(2). Jemal, L. (2019). Effect of financial literacy on financial performance of medium scale enterprise; case study in Hawassa City, Ethiopia. International Journal of Research in Business Studies and Management, 6(11), 33-39. Khusaini, K., Mardisentosa, B., Bastian, A. F., Taufik, R., & Widiawati, W. (2022). The impact of financial education and socioeconomic status on the undergraduate students' financial literacy. Media Ekonomi Dan Manajemen, 37(1), 55-76. Kozina, F. L., & Ponikvar, N. (2015). Financial literacy of first-year university students: The role of education. International Journal of Management, Knowledge and Learning, 4(2), 241-255. Lim, Y., & Pyun, H. (2020). Financial literacy and financial planning in South Korea. International Journal of Consumer Studies, 44(1), 34-45. Lusardi, A. (2019). Debt literacy, financial experiences, and overindebtedness. Journal of Pension Economics & Finance, 18(1), 1-26. Lusardi, A. (2019). Financial literacy and the need for financial education: evidence and implications. Swiss Journal of Economics and Statistics, 155(1), 1-8. Lusardi, A., & Mitchell, O. S. (2011). Financial literacy around the world: an overview. Journal of Pension Economics & Finance, 10(4), 497-508. Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. Journal of Economic Literature, 52(1), 5-44. Lusardi, A., & Tufano, P. (2015). Debt literacy, financial experiences, and overindebtedness. Journal of Pension Economics & Finance, 14(4), 332-368. Madura, J., & Fox, R. J. (2011). International financial management (11th ed.). Cengage Learning. Muneeb, A., & Atal, R. (2019). Assessing the influence of financial literacy on profitability: Evidence from Nangarhar-Afghanistan. International Journal of Technical Research & Science, 4(11), 16-23. Organisation for Economic Co-operation and Development (OECD). (2013). Program for international student assessment 2012 results. Excellence through equity: Giving every student the chance to succeed (Volume II). Paris, France: OECD Pu