@prefix ep: <http://eprints.org/ontology/> .
  @prefix rdfs: <http://www.w3.org/2000/01/rdf-schema#> .
  @prefix foaf: <http://xmlns.com/foaf/0.1/> .
  @prefix bibo: <http://purl.org/ontology/bibo/> .
  @prefix eprel: <http://eprints.org/relation/> .
  @prefix event: <http://purl.org/NET/c4dm/event.owl#> .
  @prefix owl: <http://www.w3.org/2002/07/owl#> .
  @prefix cc: <http://creativecommons.org/ns#> .
  @prefix void: <http://rdfs.org/ns/void#> .
  @prefix dc: <http://purl.org/dc/elements/1.1/> .
  @prefix epid: <http://oar.icrisat.org/id/> .
  @prefix rdf: <http://www.w3.org/1999/02/22-rdf-syntax-ns#> .
  @prefix dct: <http://purl.org/dc/terms/> .
  @prefix geo: <http://www.w3.org/2003/01/geo/wgs84_pos#> .
  @prefix xsd: <http://www.w3.org/2001/XMLSchema#> .
  @prefix skos: <http://www.w3.org/2004/02/skos/core#> .

<>
	foaf:primaryTopic <http://oar.icrisat.org/id/eprint/9932>;
	rdfs:comment "The repository administrator has not yet configured an RDF license."^^xsd:string .

<http://oar.icrisat.org/9932/2/indexcodes.txt>
	rdfs:label "indexcodes.txt"^^xsd:string .

<http://oar.icrisat.org/9932/3/lightbox.jpg>
	rdfs:label "lightbox.jpg"^^xsd:string .

<http://oar.icrisat.org/9932/4/preview.jpg>
	rdfs:label "preview.jpg"^^xsd:string .

<http://oar.icrisat.org/9932/5/medium.jpg>
	rdfs:label "medium.jpg"^^xsd:string .

<http://oar.icrisat.org/9932/6/small.jpg>
	rdfs:label "small.jpg"^^xsd:string .

<http://oar.icrisat.org/9932/>
	dc:format "text/html";
	dc:title "HTML Summary of #9932 \n\nFinancial literacy and savings decisions by adult financial consumers in Zimbabwe\n\n";
	foaf:primaryTopic <http://oar.icrisat.org/id/eprint/9932> .

<http://oar.icrisat.org/id/document/46669>
	rdf:type bibo:Document,
		ep:Document;
	rdfs:label "Financial literacy and savings decisions by adult financial consumers in Zimbabwe (PDF)"^^xsd:string .

<http://oar.icrisat.org/id/document/46675>
	dct:hasPart <http://oar.icrisat.org/9932/2/indexcodes.txt>;
	ep:hasFile <http://oar.icrisat.org/9932/2/indexcodes.txt>;
	eprel:isIndexCodesVersionOf <http://oar.icrisat.org/id/document/46669>;
	eprel:isVersionOf <http://oar.icrisat.org/id/document/46669>;
	eprel:isVolatileVersionOf <http://oar.icrisat.org/id/document/46669>;
	rdf:type ep:Document;
	rdfs:label "Financial literacy and savings decisions by adult financial consumers in Zimbabwe (Other)"^^xsd:string .

<http://oar.icrisat.org/id/document/46676>
	dct:hasPart <http://oar.icrisat.org/9932/3/lightbox.jpg>;
	ep:hasFile <http://oar.icrisat.org/9932/3/lightbox.jpg>;
	eprel:isVersionOf <http://oar.icrisat.org/id/document/46669>;
	eprel:isVolatileVersionOf <http://oar.icrisat.org/id/document/46669>;
	eprel:islightboxThumbnailVersionOf <http://oar.icrisat.org/id/document/46669>;
	rdf:type ep:Document;
	rdfs:label "Financial literacy and savings decisions by adult financial consumers in Zimbabwe (Other)"^^xsd:string .

<http://oar.icrisat.org/id/document/46677>
	dct:hasPart <http://oar.icrisat.org/9932/4/preview.jpg>;
	ep:hasFile <http://oar.icrisat.org/9932/4/preview.jpg>;
	eprel:isVersionOf <http://oar.icrisat.org/id/document/46669>;
	eprel:isVolatileVersionOf <http://oar.icrisat.org/id/document/46669>;
	eprel:ispreviewThumbnailVersionOf <http://oar.icrisat.org/id/document/46669>;
	rdf:type ep:Document;
	rdfs:label "Financial literacy and savings decisions by adult financial consumers in Zimbabwe (Other)"^^xsd:string .

<http://oar.icrisat.org/id/document/46678>
	dct:hasPart <http://oar.icrisat.org/9932/5/medium.jpg>;
	ep:hasFile <http://oar.icrisat.org/9932/5/medium.jpg>;
	eprel:isVersionOf <http://oar.icrisat.org/id/document/46669>;
	eprel:isVolatileVersionOf <http://oar.icrisat.org/id/document/46669>;
	eprel:ismediumThumbnailVersionOf <http://oar.icrisat.org/id/document/46669>;
	rdf:type ep:Document;
	rdfs:label "Financial literacy and savings decisions by adult financial consumers in Zimbabwe (Other)"^^xsd:string .

<http://oar.icrisat.org/id/document/46679>
	dct:hasPart <http://oar.icrisat.org/9932/6/small.jpg>;
	ep:hasFile <http://oar.icrisat.org/9932/6/small.jpg>;
	eprel:isVersionOf <http://oar.icrisat.org/id/document/46669>;
	eprel:isVolatileVersionOf <http://oar.icrisat.org/id/document/46669>;
	eprel:issmallThumbnailVersionOf <http://oar.icrisat.org/id/document/46669>;
	rdf:type ep:Document;
	rdfs:label "Financial literacy and savings decisions by adult financial consumers in Zimbabwe (Other)"^^xsd:string .

<http://oar.icrisat.org/id/eprint/9932#authors>
	rdf:_1 <http://oar.icrisat.org/id/person/ext-0d6457a46c20e885456b517c3db3abc8>;
	rdf:_2 <http://oar.icrisat.org/id/person/ext-723fa3a531440211c2e1168b4848724a> .

<http://oar.icrisat.org/id/eprint/9932>
	bibo:abstract "We use survey data from a sample of 4000 adult financial consumers in Zimbabwe to analyse the determinants of financial literacy and its effect on individual's savings decisions. Results show that women have lower financial literacy than men. Furthermore, individuals' residing in rural areas exhibit lower financial literacy compared with urban financial consumers. Financial literacy and financial services interventions targeting women and rural individuals should be strengthened. Econometric results show that financial literacy positively influences savings behaviour for both rural and urban individuals. Furthermore, financial literacy positively influences informal and formal savings. Policy interventions that foster financial literacy are needed to improve individuals saving behaviours."^^xsd:string;
	bibo:authorList <http://oar.icrisat.org/id/eprint/9932#authors>;
	bibo:issue "1";
	bibo:status <http://purl.org/ontology/bibo/status/peerReviewed>,
		<http://purl.org/ontology/bibo/status/published>;
	bibo:volume "41";
	dc:hasVersion <http://oar.icrisat.org/id/document/46669>;
	dct:creator <http://oar.icrisat.org/id/person/ext-0d6457a46c20e885456b517c3db3abc8>,
		<http://oar.icrisat.org/id/person/ext-723fa3a531440211c2e1168b4848724a>;
	dct:date "2017-01";
	dct:isPartOf <http://oar.icrisat.org/id/repository>,
		<http://oar.icrisat.org/id/publication/ext-14706423>;
	dct:publisher <http://oar.icrisat.org/id/org/ext-492953080c3d7f931ccd57af9d517594>;
	dct:subject <http://oar.icrisat.org/id/subject/s2>,
		<http://oar.icrisat.org/id/subject/s53>;
	dct:title "Financial literacy and savings decisions by adult financial consumers in Zimbabwe"^^xsd:string;
	ep:hasDocument <http://oar.icrisat.org/id/document/46669>,
		<http://oar.icrisat.org/id/document/46675>,
		<http://oar.icrisat.org/id/document/46676>,
		<http://oar.icrisat.org/id/document/46677>,
		<http://oar.icrisat.org/id/document/46678>,
		<http://oar.icrisat.org/id/document/46679>;
	ep:hasPublished <http://oar.icrisat.org/id/document/46669>;
	rdf:type bibo:AcademicArticle,
		bibo:Article,
		ep:ArticleEPrint,
		ep:EPrint;
	rdfs:seeAlso <http://oar.icrisat.org/9932/> .

<http://oar.icrisat.org/id/subject/s2>
	rdf:type skos:Concept;
	skos:prefLabel "Others"@en .

<http://oar.icrisat.org/id/subject/s53>
	rdf:type skos:Concept;
	skos:prefLabel "Zimbabwe"@en .

<http://oar.icrisat.org/id/org/ext-492953080c3d7f931ccd57af9d517594>
	foaf:name "Blackwell Publishing"^^xsd:string;
	rdf:type foaf:Organization .

<http://oar.icrisat.org/id/person/ext-0d6457a46c20e885456b517c3db3abc8>
	foaf:familyName "Murendo"^^xsd:string;
	foaf:givenName "C"^^xsd:string;
	foaf:name "C Murendo"^^xsd:string;
	rdf:type foaf:Person .

<http://oar.icrisat.org/id/person/ext-723fa3a531440211c2e1168b4848724a>
	foaf:familyName "Mutsonziwa"^^xsd:string;
	foaf:givenName "K"^^xsd:string;
	foaf:name "K Mutsonziwa"^^xsd:string;
	rdf:type foaf:Person .

<http://oar.icrisat.org/id/publication/ext-14706423>
	bibo:issn "14706423";
	foaf:name "International Journal of Consumer Studies"^^xsd:string;
	owl:sameAs <urn:issn:14706423>;
	rdf:type bibo:Collection .