CINXE.COM

<!DOCTYPE html><html lang="en-US"><head><title>Just a moment...</title><meta http-equiv="Content-Type" content="text/html; charset=UTF-8"><meta http-equiv="X-UA-Compatible" content="IE=Edge"><meta name="robots" content="noindex,nofollow"><meta name="viewport" content="width=device-width,initial-scale=1"><style>*{box-sizing:border-box;margin:0;padding:0}html{line-height:1.15;-webkit-text-size-adjust:100%;color:#313131;font-family:system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica Neue,Arial,Noto Sans,sans-serif,Apple Color Emoji,Segoe UI Emoji,Segoe UI Symbol,Noto Color Emoji}body{display:flex;flex-direction:column;height:100vh;min-height:100vh}.main-content{margin:8rem auto;max-width:60rem;padding-left:1.5rem}@media (width <= 720px){.main-content{margin-top:4rem}}.h2{font-size:1.5rem;font-weight:500;line-height:2.25rem}@media (width <= 720px){.h2{font-size:1.25rem;line-height:1.5rem}}#challenge-error-text{background-image:url(data:image/svg+xml;base64,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);background-repeat:no-repeat;background-size:contain;padding-left:34px}@media (prefers-color-scheme:dark){body{background-color:#222;color:#d9d9d9}}</style><meta http-equiv="refresh" content="120"></head><body class="no-js"><div class="main-wrapper" role="main"><div class="main-content"><noscript><div class="h2"><span id="challenge-error-text">Enable JavaScript and cookies to continue</span></div></noscript></div></div><script>(function(){window._cf_chl_opt={cvId: '3',cZone: "publications.waset.org",cType: 'non-interactive',cRay: '914a4630f838ff92',cH: 'CF_GC_aS7Olj5ISbu3NtsBfVQgQMAGBrty5ZoKWc3tI-1740010232-1.2.1.1-XpvCZbVRImKaIPkHLIXulSeWAPibFUvh0SeTKNVsF1h0LizwYZpMAWGTtffir72Q',cUPMDTk: "\/abstracts\/search?q=prudent%20financial%20management&__cf_chl_tk=ITBxG8sVd5xBc8wb36lf8KNZicRTQM9cwy.D21dN1eg-1740010232-1.0.1.1-.l9xVNTQpYL7DlbrdiWjL79DA.FlvZKeGUkKUtM_0_Y",cFPWv: 'g',cITimeS: '1740010232',cTTimeMs: '1000',cMTimeMs: '120000',cTplC: 0,cTplV: 5,cTplB: 'cf',cK: "unsupported-browser",fa: "\/abstracts\/search?q=prudent%20financial%20management&__cf_chl_f_tk=ITBxG8sVd5xBc8wb36lf8KNZicRTQM9cwy.D21dN1eg-1740010232-1.0.1.1-.l9xVNTQpYL7DlbrdiWjL79DA.FlvZKeGUkKUtM_0_Y",md: "wjfL7R3LhCJBGdp1ztZ13Y8.xyLIxaj_9p6qMeGI.qA-1740010232-1.2.1.1-.gMKrsFOLq1JfJyKONUnRlm85g88jxO.jIwFqEkMQxIucFx6t6BlmOOhv58_FFc4ni00YjAE.t__ZFPBIekVcNBbesvnv.2N4vKk94cl3NAPVFZzQmaEy1OQv1C8bX8DizTIRLeYdZ3japmx9QgNeTc4jTDZ6Y_ENthEi7IzaNyvMSKPgDiOuiDNJprto3QMpu3.QFln3p6NfFHm6p4nzx0tR0V50AjmEZJEngyyMBMKbYtVj5rj91KWrTdvXvt5vVjEgwaP5jCXAwLbhiNhOc9jW3ZsUNju1OvkxS6Zo2wnJy99WlNSZK0f4Iajr3Q6l2vS4_Gfg1FtLf1OdGVI2oU3GCrk.z2ICH3sTmw1ol8p4IeQw9XTkl1UsqkcyHO8aRH6KOX0Sdb4fyJQGsK2UUB.FHJaVzDxFAHDDKAx3OZINh8YbkhwOt0D.uo5TCvo0IdUkfU2gk5l6VZ7PSnHkPaeFdJoUm7lNiZuIwZ4aUZmvJ3LNx1XTx9IMBW0DvxqO8whs0OXx92Z5RaiaY4sJuKxoxT4NaZkKqN0Jk5XvJp2rogW1px6X.DnBeMmcTPUK3JJ9ZYEcG9vDofiDSqH906YU6bW3DfZWg2.T4bY7hxJ39T25ORRmSeQ_UjMMx8ZVvHOfKy8wW8zOG4GgdEJWTClZbMxTRoRekQqsam_H8G0_IXZTK3eKFLJU4cmuD2ZaJso1TPpGvTxTzS3BYncodrrXoT0FDDPzdm0W10xoESNYTFpM2QUXexFMaGFntZqj5c7MiVEBL7SfOEzcu30e7KJ32_f42xDIngRpePrUY6HqrP53NZbyjxBSNh4vK7RwZ8TxFJ2VZHkIc__Y5q3uqwyzMsMmsL6lmxo6copMC0nil4.Veam6nAEyxnk1XWc9lJAcy8x48PtstLlWlYrFm6_mfWwDWpB6yI9xH6n6buYLBuEhFlTV3OI10tIGHsBQQ2XApvU9jyvXNk0NDuYU3EBtJ5m_4PbHDIvYlMrvKZ_D99NHpOBmr3yvCEARRqIOJ9ConyqxH2NHgxwghXe_pcXqdGEAFisi_hSkpEzgEd35l2Oq2MaTzSPYA8reQOwLe_1l74FwuE0xjUf1rJiwXwvRK8SMpN4mjgfm1pkJ35cnWFoSCEOZrX70fPe7lpxcJoq11e3xhmJoACxqSY4onlTTnDax_ppnbI7YjdrAl_157N4OUZx_w.OQWMLAU0EkX7ab5WVca0LC4M0bLZwBOXgvO9Z3HpEKYALabxSRPtVapvmp_rPjzyw3_iZQgVIshceSOpr.1zRc9MJkDp6Sl2owxx8E_B59I160A.WOjrAPp0_sGwWmXjr97fS.fbrkFQTA73JI_mhyQb7V6fVtZm05dUfAXcp_R3JFDzKOLBzmdVOiAzbe2PV0naq8l7pC10_1KBH.NeHaMLLTr0_GHmQzuNa9GNgPi3KG9SWsKH2LfVITBEwoYkkudSK7JU.bAbUktN08rWLOVIkmg4hQuxCetoWBwDKTXs2ZZdEPIgWv9SSbAnJECRgzuzQbaCgxjJzZO9ZqmI39GIWU0i0pgfADrZaCO.wWH5UGZCe7vUIPaI4wiN52oM7k2v82gzcE7C1oQ08m24f3xfYuobjsBIPhJN7H6WHsAhrTk1P6JWsixPIKP9JPpYVMP2M0BZHK.oJ3GUzPxxO8zXXl1Nj.4LEg6NIWXlFvQxUjbtv4_eob9odUtXaoTOLuP3MlHVogCXJCGVwGeiB2GRFlZ_HqRY5cqGS.VQuefrdQWMT_PX7WPMrnizj3OiSbm3EHpKTcHOivPHVi0Ex8gGs6hzS77kf7DusMH96X5ZOPWkRhVz3NIBuFI0WfxqjnkFBFa0Az4cIuWQD2Pdes9xVbhqrzRS56BuE4e3fGHPYU1eyeZJEx_1lvP76OSw591tvWJ4qVsUga4eFrZQjtFOQVOlvspBvtJ8hGa8SRXIWvJfW6KsTUKfu0FzkB7FSiKSVfYJoX48gasjltFWXd156sX9JVQ",mdrd: "U1XLiGNu0D6z9Mxoa2T4wrpEb3.APpPkROaMMZlRbfE-1740010232-1.2.1.1-uG97.L8bi6Lu0bPAtzeQOkl3W4gScaatuVEYpmF8kXaFrUFvQe.k2yK4tKAAkFz905QxpbdQ5uCHzlrtOr1BgbOdEHtOqy4GbF8111Eo_gsMLZGojEx5.cauZt7G3gu7fy8C41uKkH8jF5pQON7Ww3KtSZuSRacil6A.l4_Lt9NXG5ZrhyF9qt_qTK59V.5CUEhpnyD9XgUflmT_f5Ga7ApyxTV8pBSjSrE9lVi48aDI.a20l4PQ2mswrrKzgACDTBRzXpWCqkag6xNXgiY.OM3UjoMxjGrJ6PAw9l4F92KePak765mN9aN14bPpnfFie99AfWnZFm7xbQmIk7vlpK7t4P065SssRhcY4mKmA.NjKKVqmB_yg_pVxKB7PSRAG.XQzNYqJa2xvsWqytahXbJ3Fx0rihxrh96cLJKOHeOWcYABBbmunC3HTUko2tp6fLstW67S56JKVEgXCghCskn.Kg2xpZE5wLFDsh5Dwv_PTtI04OwTc65nH.y4I.uyzQotXWWsVZDenYfz1nW5C6XSVVGhe_FrY2dsbLI53.icKoTMtLJYPO9DoOmd94kXJ9j7XtcH2eY.662b0UXZAdjC6iFxbtcX7P4KWWgr2kH22kO3EwODvyWogm.ChKT8xXVcnuvnbcF21Dri6vO_Ts5jOXaY7Gr0T5iCi85qzEWUQNeAZPW7cvfin330j8co.JAbIXS5mWQ0S.83wAChcu5p0EpHFLTrJQtChKH7BXAcx1a83UGuVZDz7t8skjBKlwgHp8sIKC5U1mXmi_AJU6Bu1SG5nvohud7YxbK7eTXiCKovBvkAo0KZvV4rZ4rCoHhebKmRosJicrGgsBcQMo83MCRA7hI_Q0QFaNG_aovtMje5_yn.pMVKEE0GGf76wcCsLqnzn4WKD5JBVASngvlIAm1YuVW099lcM0pg5Wy2bmJrjDFnBrIlmwzWyqVxGqu2yjR31e_sEGvLA.He7hfigi9gqnVSjHvq96k2RLAiu70u_jik0lRpCyZTRzN_YI2.W7iOBfFhaLFJfTQITt4D7E8CvxBQAK1xfRegUDy5yvZPwhkqHCfjcHIGRMKBiYn1.Sorw6O4Ki9cm.qFnoZaB_MRwFqrB5at8vgC.Au5bLx9jk2_ix9Bg3OFDfcyxBCuPbYORROAGovYyjg4dLo2yMCyhjTzj9ymvWb5AkNCxQVJkJ292gLCQi8wsBQLgijOFTo0wywOHJ21doxNQI3ZN2JTtm4YND9mRMe0IIqVHPB2J_NWdcNopJNGgxeINUU6yLlqKMcVWh4RqJ80BFFf0ISbMjE_cJbNRWtHD9FySHEcB8J9_jqwqxZ.TLHPfBW3GrFU2I2IdlpbKbsexFJeCE1_JowajAvkoLbLJ34QxHc4g7b.O0xOXrHSQpRYnZ696vzO90wDwgDPhCZjexTF_H9cUqACMfHS211Bgrnbxm8DfZ.YbvkOiSLxPIskURZGHhFKb_mAaLpVjXje1N22yxKUT9UFY53.m3wEOx0oBgR0iA8BAAat9_KdMOB9NdXVJ0ikb4xBl1bdvwOV.DTV948WyRUaH8WWjkJ4.mE0yaInsPZsONVa2E4nLyK63u7aW.ayiw6kTYxTHv7_e_jhfpTdoqwXq5qFGi8vjFrBWQgkpQm69hIFNDdOGT_G8YkTuimwPuuAcf94QdQtYiJUK076CPOlUPxm1h9Qj0Bm9NcMC5mMnY6r.r7eFGl.SxW.2psbzckKrCwdIFcZUJZOQodUD5A6B23G.2q5tkHhJb4oW84v96wNuxUPz.s8XmOqM3wRRHPqbz.V7xgqv2zjRKFenvELSlxU4ji1GnRaRuB1ar10ph5iDzJVN3MV4MPLrmTGlkuS1pW7etsx3NB9YniUewg.chDcseT0z3dNe8o8sq.qaVjiiRS0TSkYiyBMxqBk1uUtz9afbpq6b5WcTKY0b3pcnj0yffQmYpgcDdTrbXLrXxyGdNRXio6t6LF72JKD6jdsxxmKsbH6TQ"};var cpo = document.createElement('script');cpo.src = '/cdn-cgi/challenge-platform/h/g/orchestrate/chl_page/v1?ray=914a4630f838ff92';window._cf_chl_opt.cOgUHash = location.hash === '' && location.href.indexOf('#') !== -1 ? '#' : location.hash;window._cf_chl_opt.cOgUQuery = location.search === '' && location.href.slice(0, location.href.length - window._cf_chl_opt.cOgUHash.length).indexOf('?') !== -1 ? '?' : location.search;if (window.history && window.history.replaceState) {var ogU = location.pathname + window._cf_chl_opt.cOgUQuery + window._cf_chl_opt.cOgUHash;history.replaceState(null, null, "\/abstracts\/search?q=prudent%20financial%20management&__cf_chl_rt_tk=ITBxG8sVd5xBc8wb36lf8KNZicRTQM9cwy.D21dN1eg-1740010232-1.0.1.1-.l9xVNTQpYL7DlbrdiWjL79DA.FlvZKeGUkKUtM_0_Y" + window._cf_chl_opt.cOgUHash);cpo.onload = function() {history.replaceState(null, null, ogU);}}document.getElementsByTagName('head')[0].appendChild(cpo);}());</script></body></html>