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August 11, 2025International Journal of Applied Research in Business and ManagementOpen Access

Financial Literacy and Educator Behaviour: Insights from a Local Municipality in KwaZulu-Natal, South Africa

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Authors

NJNkosinathi Prince JaliCape Peninsula University of TechnologyABAnrusha BhanaUniversity of the Witwatersrand

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Implication

Empirical analysis shows low financial literacy influences financial decision-making in educators, indicating a need for targeted interventions.

Key Points

  • Low financial literacy impacts financial decision-making among educators in emerging economies, particularly in South Africa.
  • Data collected from 246 high school educators indicated significant issues with financial management and planning.
  • Quantitative methodology assessed lifestyle spending to identify financial literacy challenges within specific socio-economic contexts.
  • Findings highlight the urgent need for financial education interventions to improve educators' financial health and sustainability.

Cite This Study

Jali et al. (2025) studied this question.

synapsesocial.com/papers/68a35ef30a429f79733283b8https://doi.org/10.51137/wrp.ijarbm.2025.njft.45815
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Also Consider

Synapse has enriched 4 closely related papers on similar clinical questions. Consider them for comparative context:

  1. 1Defining and Measuring Financial Literacy. New Evidence from Romanian’ Students of the Master in Finance2012 · 33 citations
  2. 2Saving for Tomorrow: Does the Level of Financial Literacy in the South African Working Class Matter?2018 · 18 citations
  3. 3Financial Literacy, Retirement Planning and Household Wealth2012 · 954 citations
  4. 4Mitigating financial risks for entrepreneurs in emerging markets through financial literacy2025 · 6 citations