addis ababa youth and money mechanics

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A A   I Iዥን  የኮሙኒኬሽን ሥራዎ ኤፍኤም96.3  E E  Aዲስ Aበባ ወጣ የገንዘብ ቁጠባና Aቃቀም ልምድ Aዘጋጆች፡- በፍቃዱ ኃይሉ Aስማማው  / ጊዮርጊስ ኤዶም ካሣዬ ነሐሴ 2002 . 

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Page 1: Addis Ababa Youth and Money Mechanics

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AA II

96.3

EE AA AA AA

A -

A /

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A E

1.

1.1. A I E 96.3

3 00 E 6 00

‘ ’

A (

) ( E )

- - A

A A A

E

A E A

A A E

( E A A E

A E ) A A E

A

A E A

A

E

1.2.

“ A ” - A

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A E

E E

E E A E

A E A A

A E

E . .A. 2010 10

E A

A E A

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E

1.3.

A A A A

A A A

A

A E

E E

A E

A E A

E

E E

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A E

1.4.

A A A E

20 1 100

78 / E

(Internet) E

E E

E

1.5.

E

A A A E E E 18 E 34 A A

E A A A A

A

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A E

2.

A A / A

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2.1. A

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E [9]

A E A [1] I

A / -

1. / ? 2. A / ?

3. E / ?

4. E / / A E ?

5. / ?

6. / A / ?

7. A / / ?

A A E

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A I [9]

I

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A E

“Win-Lose” ( -A ) - A

( - ‹‹ E

A ››)

“Lose-Win” (A - ) - A

‹ -A ›

A ( - ‹‹ A

A ››)

“Lose-Lose” (A -A ) - A / ( - ‹‹A E A !››)

“Win” ( ) - A E

( -

‹‹E A A ››)

“Win-Win or No Deal” ( - A ) -

( - ‹‹ A ››)

2.4.

I A

A E

A A

[8] E

E

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E / /

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A E

A

/ E A E

E E A

E A (Risk)

E

E E (team)

E

2.6. A

A A A E A E

(audit) A

E E

( E )

E E

E A A E E

2.7. [1] Texas State Security Board – The Texas Family Guide to Personal Money Management (2009)

[2] Bellevoue Community College (BCC) – Personal Money Management: Fiscal Fitness for the

Long Run – Get Fit! (August 2008)

[3] IOWA State University – Money Mechanics: Saving and Investing (April 2008)[4] Journal of Management and Marketing Research – The Millennials and Money Management

(2009)

[5] zenhabits.com – Habits to Develop for Financial Stability and Success (accessed on August 31,

2010)

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A E

3.

A E

A A A

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A A

2

3.1.

A A E

A E

A A A

A

/ / ? / / A E / ?

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A E

A (55.84 ) A A ‹‹

›› E

18.18

(23.08 ) (18.86 )

A E ‹‹A ››

50 15.38 ‹‹A ››

34.62 A E

2 - A

A E 48.72

(20.51 ) A A

‹‹ A ? ›› A

‹‹

E ›› A

‹‹

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A E

46.75 A A

E 29.87 ‹‹A ››

A E

3 -

A A E

”Win-Win” ( - ) E 4 E 50

A ‹‹A ››

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A E

4 -

A

53.85 A E

46.15

25.64

17.95

3.2. E

A A E - A A

A A E

‹‹ E E E ? ››

‹‹A ›› (48.72 )

- 41.03

A E 56.41

E 25.64 ‹‹A ››

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A E

A E A

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A

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9.84 A 45.9

‹‹E E ››

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A E

E -

30.77 23.68

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‹‹ A E

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A E

A E 27.63 15.79

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58.97

A - 54.05

3.3. A A A

35

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›› 9.21

9 -

(15.79 ) (26.32 )

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A E

10 -

A 38.46

34.21 E

23.68 ‹‹A A ›› A

(43.95 38.46 A )

3.4.

I E A

I A A

A

60

68 ‹‹A ››

46.15

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A E

11 - ( ) E ( )

27.59 5 E 14

E 59.38

18.75 E 12.5

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A E

26.09 10 E 25 E

17.39 25

13 -

13.73 A

39 A

- 41.67 37.7

‹‹ ›› E 54.9 31.37

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E ›› ‹‹ ›› 71.43 E

34.8

3 5

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A E

14 -

E 55.26

‹‹ ›› - 43.24

E E (8.11 E 13.51 )

( 2.63 E ) A

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61.84

19.74

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A (70.27 )

(53.85

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A 10.81

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A E

4. E

4.1. A A A E

A

E A

A E

A A A -

E A A

A

A A

E A

E

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4.2.

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I (entrepreneurship)

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U (debt cycle)

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A E

1

A 96.3 3 00 E E

A U - A A ‹‹ A A

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E :: / E 18 E 34

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3. / / A ?

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4.1. ‘4’ / ‘A ’ ‘A ’ / A / ?

10% 10% - 25% 25%

4.2. ‘4’ / ‘A ’ ‘A ’ / / / ? / A

/

A A A E

A E A

4.3. ‘4’ / ‘A ’ ‘A ’ / ?

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A E

------------------------------------------------------------------------------------------------------------------------------------------

5.1. ‘5’ / ‘A ’ / A / ?

5% 5% - 9% 10% - 14%

15% - 19% 20% - 24% 25% E

5.2. ‘5’ / ‘A ’ / E ? / A /

E _____________________________________________

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6. / / A E / ?

A A A

7. A / / / A ?

A A A

8. A / / / ?

A A A

9. / E E / E / ?

A A A

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9.1. ‘9’ / ‘A ’ ‘A ’ E / / ?

A A A

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A A A

11. A / / / ?

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_________________________________________________

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2

A 9 23.08 11 28.95 20 25.97

A 9 23.08 5 13.16 14 18.18

21 53.85 22 57.89 43 55.841 /

/ ?

39 100 38 100 77 100

A 10 26.32 6 15.79 16 21.05

A 14 36.84 13 34.21 27 35.53

E 3 7.90 4 10.53 7 9.21

E 11 28.95 15 39.47 26 34.21

2 / ( / )?

38 100 38 100 76 100

A 15 38.46 17 45.95 32 42.11

A 14 35.9 12 32.43 26 34.21

A A

A

10 25.64 8 21.62 18 23.683 /

/ A ?

39 100 37 100 76 100

A 11 28.95 12 32.43 23 30.67

A 10 26.32 14 37.84 24 32

A 17 44.74 11 29.73 28 37.33 / ?

38 100 37 100 75 100

10 15 60 11 52.38 26 56.52

10 - 25 5 20 7 33.33 12 26.0925 5 20 3 14.29 8 17.39

‘4’ / ‘A ’ ‘A ’ / A

/ ? 25 100 21 100 46 100

A 10 37.04 10 41.67 20 39.22

4

‘4’ / ‘A ’ ‘A ’ / /

A 1 3.704 1 4.167 2 3.92

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A E

5

A E 2 7.41 0 0 2 3.92

A E 10 37.04 10 41.67 20 39.22

A 4 14.81 3 12.5 7 13.73

/ ?

27 100 24 100 51 100

E E 5 17.86 11 47.83 16 31.37

20 71.43 8 34.78 28 54.9

0 0 0 0 0 0

3 10.71 4 17.39 7 13.73

‘4’ / ‘A ’ ‘A ’ /

?

28 100 23 100 51 100

A 18 46.15 13 33.33 31 39.74

A 21 53.85 26 66.67 47 60.26 / / ?

39 100 39 100 78 100

5 4 23.53 2 16.67 6 20.69

5 - 9 5 29.41 3 25 8 27.59

10 - 14 6 35.29 2 16.67 8 27.59

15 - 19 0 0 1 8.33 1 3.45

20 - 24 1 5.88 1 8.33 2 6.90

25 1 5.88 3 25 4 13.79

‘5’ / ‘A ’ / A

/ ?

17 100 12 100 29 100

12 66.67 7 50 19 59.38

2 11.11 2 14.29 4 12.50

3 16.67 3 21.43 6 18.75

E 0 0 2 14.29 2 6.25

5

‘5’ / ‘A ’ / E ?

1 5.56 0 0 1 3.13

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A E

6

18 100 14 100 32 100

A 18 46.15 21 53.85 39 50

A 19 48.72 8 20.51 27 34.62

A 2 5.13 10 25.64 12 15.386 / / A

E / ? 39 100 39 100 78 100

A 10 25.64 8 21.05 18 23.38

A 18 46.15 18 47.37 36 46.75

A 11 28.21 12 31.58 23 29.877 A / /

/ A ? 39 100 38 100 77 100

A 10 25.64 7 17.95 17 21.79

A 18 46.15 21 53.85 39 50

A 11 28.21 11 28.21 22 28.218

A / / / ?

39 100 39 100 78 100

A 16 41.03 22 56.41 38 48.72

A 11 28.21 7 17.95 18 23.08

A 12 30.77 10 25.64 22 28.21

/ E E / E

/ ? 39 100 39 100 78 100

A 14 46.67 14 45.16 28 45.9

A 4 13.33 2 6.452 6 9.836

A 12 40 15 48.39 27 44.26

9

‘9’ / ‘A ’ ‘A ’ E /

/ ? 30 100 31 100 61 100

A 16 42.11 19 48.72 35 45.45

A 9 23.68 12 30.77 21 27.27

A 13 34.21 8 20.51 21 27.2710 E /

/ / / ? 38 100 39 100 77 100

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A E

7

A 10 27.03 11 28.21 21 27.63

20 54.05 23 58.97 43 56.58

7 18.92 5 12.82 12 15.7911

A / /

/ ? 37 100 39 100 76 100

A 21 53.85 26 70.27 47 61.84

A 11 28.21 4 10.81 15 19.74

A 7 17.95 7 18.92 14 18.4212 /

? 39 100 37 100 76 100

4 10.81 4 10.53 8 10.67

16 43.24 5 13.16 21 28

6 16.22 21 55.26 27 36

1 2.71 2 5.26 3 4

3 8.11 1 2.63 4 5.33

5 13.51 1 2.63 6 8

2 5.41 4 10.53 6 8

13 ?

37 100 38 100 75 100

14 / / / ( )

E

A