TABLE OF CONTENTS
TITLE PAGE
ABSTRACT
CHAPTER ONE: INTRODUCTION
1.1 Background to the Study
1.2 Statement of the Problem
1.3 Objectives of the Study
1.4 Research Questions
1.5 Research Hypothesis
1.6 Significance of the Study
1.7 Scope of the Study
1.8 Limitations of the Study
1.9 Organization of the Study
1.10 Definition of Terms
REFERENCES
CHAPTER TWO: REVIEW OF RELATED LITERATURE
2.1 Introduction
2.2 Theoretical Review
2.2.1 Human-Capital / Skills-Based Theory
2.2.2 Cultural-Capital / Social Reproduction Theory
2.2.3 Investment / Environmental-Enrichment Theory
2.2.4 Genetic, Heritability, and Gene–Environment Interaction (G×E) Theory
2.3 Conceptual Review
2.3.1 Overview of Key Concepts
2.3.2 Human Capital Theory and Cognitive Ability
2.3.3 Socioeconomic Environment and Cognitive Development (Investment Model)
2.3.4 Social Reproduction and Cultural Capital
2.3.5 Genetic and Gene–Environment Interaction Models
2.3.6 Causality and Endogeneity: Which Way Does the Arrow Point?
2.3.7 The Role of Education as a Mediator
2.3.8 Financial Literacy, Decision-Making, and Economic Behavior
2.3.9 Wealth, Stress, and Cognitive Function: Psychosocial Pathways
2.3.10 Cross-Cultural and Contextual Variations in the IQ–Wealth Relationship
2.4 Empirical Review
2.5 Summary of Literature Review
REFERENCES
CHAPTER THREE: RESEARCH METHODOLOGY
3.1 Introduction
3.2 Research Design
3.3 Area of the Study
3.4 Population of the Study
3.5 Sample Size Determination
3.6 Sampling Technique
3.7 Research Instrument
3.8 Validity of the Instrument
3.9 Reliability of the Instrument
3.10 Method of Data Collection
3.11 Method of Data Analysis
3.12 Ethical Considerations
3.13 Limitations of the Methodology
3.14 Conclusion
CHAPTER FOUR: DATA ANALYSIS AND INTERPRETATION
4.1 Introduction
4.2 Demographic Characteristics of Respondents
4.3 Analysis of Research Questions
4.4 Correlation Analysis
4.5 Test of Hypothesis
4.6 Discussion of Findings
4.7 Conclusion
CHAPTER FIVE: SUMMARY, CONCLUSIONS AND RECOMMENDATIONS
5.1 Introduction
5.2 Summary of the Study
5.3 Conclusions
5.4 Recommendations
5.4.1 Recommendations for Banking Institutions
5.4.2 Recommendations for Policy Makers
5.4.3 Recommendations for Educational Institutions
5.4.4 Recommendations for Individuals
5.5 Suggestions for Further Research
5.6 Contributions to Knowledge
5.7 Limitations of the Study
5.8 Conclusion
APPENDIX: QUESTIONNAIRE
