{"id":"https://openalex.org/W7167643153","doi":"https://doi.org/10.54417/jaetm.v6i1.186","title":"A Study on Financial Literacy and its Impact on Decision-Making Capability among the Faculty of Paro College of Education","display_name":"A Study on Financial Literacy and its Impact on Decision-Making Capability among the Faculty of Paro College of Education","publication_year":2026,"publication_date":"2026-07-08","ids":{"openalex":"https://openalex.org/W7167643153","doi":"https://doi.org/10.54417/jaetm.v6i1.186"},"language":"en","primary_location":{"id":"doi:10.54417/jaetm.v6i1.186","doi":"https://doi.org/10.54417/jaetm.v6i1.186","is_oa":true,"landing_page_url":"https://doi.org/10.54417/jaetm.v6i1.186","pdf_url":"https://journal.jnec.edu.bt/index.php/jaetm/article/download/186/90","source":{"id":"https://openalex.org/S4210202191","display_name":"Journal of Applied Engineering Technology and Management","issn_l":"2707-4978","issn":["2707-4978","2789-0848"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I61702852","host_organization_name":"Royal University of Bhutan","host_organization_lineage":["https://openalex.org/I61702852"],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-nc","license_id":"https://openalex.org/licenses/cc-by-nc","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Applied Engineering, Technology and Management","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://journal.jnec.edu.bt/index.php/jaetm/article/download/186/90","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5007904076","display_name":"Thinley Yoezer","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I61702852","display_name":"Royal University of Bhutan","ror":"https://ror.org/03hqan520","country_code":"BT","type":"education","lineage":["https://openalex.org/I61702852"]}],"countries":["BT"],"is_corresponding":false,"raw_author_name":"Thinley Yoezer","raw_affiliation_strings":["Jigme Namgyel Engineering College, Royal University of Bhutan"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Jigme Namgyel Engineering College, Royal University of Bhutan","institution_ids":["https://openalex.org/I61702852"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5140156999","display_name":"Karma Rabten","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I61702852","display_name":"Royal University of Bhutan","ror":"https://ror.org/03hqan520","country_code":"BT","type":"education","lineage":["https://openalex.org/I61702852"]}],"countries":["BT"],"is_corresponding":false,"raw_author_name":"Karma Rabten","raw_affiliation_strings":["Jigme Namgyel Engineering College, Royal University of Bhutan"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Jigme Namgyel Engineering College, Royal University of Bhutan","institution_ids":["https://openalex.org/I61702852"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5140208024","display_name":"Wangchen","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I61702852","display_name":"Royal University of Bhutan","ror":"https://ror.org/03hqan520","country_code":"BT","type":"education","lineage":["https://openalex.org/I61702852"]}],"countries":["BT"],"is_corresponding":false,"raw_author_name":"Wangchen","raw_affiliation_strings":["Paro College of Education, Royal University of Bhutan"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Paro College of Education, Royal University of Bhutan","institution_ids":["https://openalex.org/I61702852"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5140213906","display_name":"Choki Yangden","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I61702852","display_name":"Royal University of Bhutan","ror":"https://ror.org/03hqan520","country_code":"BT","type":"education","lineage":["https://openalex.org/I61702852"]}],"countries":["BT"],"is_corresponding":false,"raw_author_name":"Choki Yangden","raw_affiliation_strings":["Paro College of Education, Royal University of Bhutan"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Paro College of Education, Royal University of Bhutan","institution_ids":["https://openalex.org/I61702852"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5029819273","display_name":"Kezang Choden","orcid":"https://orcid.org/0009-0004-1245-5931","observed_orcids":["https://orcid.org/0009-0004-1245-5931"]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Kezang Choden","raw_affiliation_strings":["Druk PNB Bank Limited, Bhutan"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Druk PNB Bank Limited, Bhutan","institution_ids":[]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":{"value":0.0,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":"6","issue":"1","first_page":"50","last_page":"64"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.6880000233650208,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.6880000233650208,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.31150001287460327,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10315","display_name":"Decision-Making and Behavioral Economics","score":0.0,"subfield":{"id":"https://openalex.org/subfields/1800","display_name":"General Decision Sciences"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/financial-literacy","display_name":"financial literacy","score":1.0},{"id":"https://openalex.org/keywords/financial-decision-making","display_name":"financial decision-making","score":0.9210000038146973},{"id":"https://openalex.org/keywords/saving-behavior","display_name":"saving behavior","score":0.9520000219345093},{"id":"https://openalex.org/keywords/spending-patterns","display_name":"spending behavior","score":0.871999979019165},{"id":"https://openalex.org/keywords/investment-behavior","display_name":"investment behavior","score":0.9810000061988831},{"id":"https://openalex.org/keywords/university-faculty","display_name":"university faculty","score":0.6370000243186951},{"id":"https://openalex.org/keywords/personal-finance","display_name":"personal finance","score":0.4440000057220459}],"concepts":[{"id":"https://openalex.org/C2777941463","wikidata":"https://www.wikidata.org/wiki/Q1416374","display_name":"Financial literacy","level":2,"score":0.9176999926567078},{"id":"https://openalex.org/C39896193","wikidata":"https://www.wikidata.org/wiki/Q380344","display_name":"Descriptive statistics","level":2,"score":0.490200012922287},{"id":"https://openalex.org/C15744967","wikidata":"https://www.wikidata.org/wiki/Q9418","display_name":"Psychology","level":0,"score":0.4823000133037567},{"id":"https://openalex.org/C105776082","wikidata":"https://www.wikidata.org/wiki/Q617473","display_name":"Likert scale","level":2,"score":0.47699999809265137},{"id":"https://openalex.org/C27548731","wikidata":"https://www.wikidata.org/wiki/Q88272","display_name":"Investment (military)","level":3,"score":0.42500001192092896},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.40459999442100525},{"id":"https://openalex.org/C119883117","wikidata":"https://www.wikidata.org/wiki/Q679789","display_name":"Information literacy","level":2,"score":0.4034999907016754},{"id":"https://openalex.org/C547764534","wikidata":"https://www.wikidata.org/wiki/Q8236","display_name":"Literacy","level":2,"score":0.4009000062942505},{"id":"https://openalex.org/C509550671","wikidata":"https://www.wikidata.org/wiki/Q126945","display_name":"Medical education","level":1,"score":0.38960000872612},{"id":"https://openalex.org/C177264268","wikidata":"https://www.wikidata.org/wiki/Q1514741","display_name":"Set (abstract data type)","level":2,"score":0.35499998927116394},{"id":"https://openalex.org/C2778755073","wikidata":"https://www.wikidata.org/wiki/Q10858537","display_name":"Scale (ratio)","level":2,"score":0.34689998626708984},{"id":"https://openalex.org/C120912362","wikidata":"https://www.wikidata.org/wiki/Q136822","display_name":"Higher education","level":2,"score":0.3384000062942505},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.3337000012397766},{"id":"https://openalex.org/C2780129039","wikidata":"https://www.wikidata.org/wiki/Q1931107","display_name":"Section (typography)","level":2,"score":0.33239999413490295},{"id":"https://openalex.org/C121955636","wikidata":"https://www.wikidata.org/wiki/Q4116214","display_name":"Accounting","level":1,"score":0.32679998874664307},{"id":"https://openalex.org/C2777267654","wikidata":"https://www.wikidata.org/wiki/Q3519023","display_name":"Test (biology)","level":2,"score":0.32510000467300415},{"id":"https://openalex.org/C70179600","wikidata":"https://www.wikidata.org/wiki/Q1416547","display_name":"Financial plan","level":2,"score":0.3188999891281128},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.2757999897003174},{"id":"https://openalex.org/C98014903","wikidata":"https://www.wikidata.org/wiki/Q832161","display_name":"Financial ratio","level":2,"score":0.26980000734329224},{"id":"https://openalex.org/C130731218","wikidata":"https://www.wikidata.org/wiki/Q1363554","display_name":"Financial analysis","level":2,"score":0.25519999861717224},{"id":"https://openalex.org/C2984224174","wikidata":"https://www.wikidata.org/wiki/Q25324239","display_name":"Survey instrument","level":2,"score":0.25029999017715454}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.54417/jaetm.v6i1.186","doi":"https://doi.org/10.54417/jaetm.v6i1.186","is_oa":true,"landing_page_url":"https://doi.org/10.54417/jaetm.v6i1.186","pdf_url":"https://journal.jnec.edu.bt/index.php/jaetm/article/download/186/90","source":{"id":"https://openalex.org/S4210202191","display_name":"Journal of Applied Engineering Technology and Management","issn_l":"2707-4978","issn":["2707-4978","2789-0848"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I61702852","host_organization_name":"Royal University of Bhutan","host_organization_lineage":["https://openalex.org/I61702852"],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-nc","license_id":"https://openalex.org/licenses/cc-by-nc","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Applied Engineering, Technology and Management","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.54417/jaetm.v6i1.186","doi":"https://doi.org/10.54417/jaetm.v6i1.186","is_oa":true,"landing_page_url":"https://doi.org/10.54417/jaetm.v6i1.186","pdf_url":"https://journal.jnec.edu.bt/index.php/jaetm/article/download/186/90","source":{"id":"https://openalex.org/S4210202191","display_name":"Journal of Applied Engineering Technology and Management","issn_l":"2707-4978","issn":["2707-4978","2789-0848"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I61702852","host_organization_name":"Royal University of Bhutan","host_organization_lineage":["https://openalex.org/I61702852"],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-nc","license_id":"https://openalex.org/licenses/cc-by-nc","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Applied Engineering, Technology and Management","raw_type":"journal-article"},"sustainable_development_goals":[{"display_name":"Quality education","score":0.8278999924659729,"id":"https://metadata.un.org/sdg/4"}],"study_designs":[{"display_name":"Observational Study","id":"https://openalex.org/study-designs/observational-study"}],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W7167643153.pdf","grobid_xml":"https://content.openalex.org/works/W7167643153.grobid-xml"},"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W4413740722","https://openalex.org/W4413897207","https://openalex.org/W7166493053","https://openalex.org/W3178739158","https://openalex.org/W4409629757","https://openalex.org/W7136565392","https://openalex.org/W7162283067","https://openalex.org/W7160197296","https://openalex.org/W7214603414","https://openalex.org/W4394734752"],"abstract_inverted_index":{"This":[0],"research":[1],"examines":[2],"the":[3,9,18,71,75,80,86,102,109,120,139,191],"level":[4],"of":[5,11,14,20,27,29,45,74,82,104,111],"financial":[6,21,24,83,143,155],"literacy":[7,22,84,144,156],"among":[8],"faculty":[10,28,38],"Paro":[12],"College":[13],"Education":[15],"(PCE)":[16],"and":[17,51,96,114,133,151,166,173,184,190,203],"impact":[19],"on":[23,65,108],"decision-making":[25,106],"capability":[26,107],"PCE.":[30],"The":[31,42,53,116,135,163],"survey":[32],"data":[33,117],"was":[34],"obtained":[35],"from":[36,119],"43":[37],"using":[39,125,194],"semi-structured":[40],"questionnaire.":[41],"questionnaire":[43,54],"comprises":[44],"three":[46],"Sections":[47],"(i.e.":[48],"A,":[49],"B":[50,78],"C).":[52],"has":[55],"been":[56],"standardised":[57],"to":[58,61,91,158,201],"likert":[59],"scale":[60],"obtain":[62],"accurate":[63],"understanding":[64],"those":[66],"parameters.":[67],"Section":[68,98],"A":[69],"covers":[70,79],"demographic":[72],"information":[73],"respondent;":[76],"section":[77],"question":[81,87,103],"where":[85],"is":[88,176],"typically":[89],"set":[90],"understand":[92],"respondent\u2019s":[93,105],"knowledge,":[94],"practice":[95],"attitude.":[97],"C":[99],"finds":[100],"out":[101],"parameter":[110],"spending,":[112],"saving":[113,149,161,202],"investments.":[115],"collected":[118],"primary":[121],"source":[122],"are":[123,186,193],"analysed":[124],"descriptive":[126],"statistics":[127],"such":[128],"as":[129],"frequency,":[130],"mean,":[131],"percentage":[132],"correlation.":[134],"finding":[136],"shows":[137],"that":[138],"respondents":[140,152,192],"with":[141,153,182],"high":[142],"generally":[145],"exhibit":[146],"more":[147],"favorable":[148],"behavior":[150],"low":[154],"tend":[157],"display":[159],"lower":[160],"behavior.":[162],"Financial":[164,180],"Literacy":[165,181],"Saving":[167],"have":[168],"a":[169],"strong":[170],"positive":[171],"correlation,":[172],"this":[174],"correlation":[175],"statistically":[177,188],"significant.":[178],"Whereas":[179],"Spending":[183],"Investment":[185],"not":[187],"significant":[189],"their":[195],"major":[196],"income":[197],"for":[198],"spending":[199],"compared":[200],"investment.":[204]},"counts_by_year":[],"updated_date":"2026-10-28T10:33:24.094632","created_date":"2026-07-08T00:00:00"}
