@article{(Open Science Index):https://publications.waset.org/pdf/349,
	  title     = {Investigating Financial Literacy among Emiratis},
	  author    = {Ashraf Khalil and  Salam Abdallah and  Khalil Al-hilo and  Ebere Iroadu},
	  country	= {},
	  institution	= {},
	  abstract     = {Financial literacy is one of the key factors needed in making informed financial decisions. As businesses continue to be more profit driven, more financial and economic intrigues arise that continue to put individuals at the risk of spending more and more without considering the short term and long term effects. We conducted a study to assess financial literacy and financial decision making among Emiratis. Our results show that financial literacy is lacking among Emiratis. Also, almost half of respondents owe loans to other peoples and 1/5 of them have bank loans. We expect that the outcome of this research will be useful for designing educational programs and policies to promote financial planning and security among Emiratis. We also posit that deeper and more informed understanding of this problem is a precursor for developing effective financial education programs with the aim of improving financial decision- making among Emiratis.
},
	    journal   = {International Journal of Economics and Management Engineering},
	  volume    = {6},
	  number    = {12},
	  year      = {2012},
	  pages     = {3663 - 3669},
	  ee        = {https://publications.waset.org/pdf/349},
	  url   	= {https://publications.waset.org/vol/72},
	  bibsource = {https://publications.waset.org/},
	  issn  	= {eISSN: 1307-6892},
	  publisher = {World Academy of Science, Engineering and Technology},
	  index 	= {Open Science Index 72, 2012},
	}