• Getenet Baye Gelaw
• Dr.Navkiranjit Kaur Dhaliwal

In Ethiopia though the government increased university instructors’ salary more than three times during the last ten years, still they are not satisfied. Similarly, Gemeda & Tynjälä (2015) has found a result that teachers are dissatisfied with their salary income. As a result, they are working as part-time in many private colleges and universities throughout the country on the expenses of their regular work time that is expected to devote for their regular job. In line with this Owusu (2015) revealed instructors are part and parcel of the society who is in a position to share knowledge and shape citizens particularly for students in a way that can contribute positive changes to the society. It is, thus, for this reason that the study was undertaken to assess the personal financial management knowledge of Ethiopian university instructors found in Amhara Regional State. The data for this study was collected based on questionnaires from a sample of 200 Ethiopian university instructors found in Amhara Regional State. The results of the study shows majority of the sampled university instructors in the country have good knowledge of cash management, estate planning, investment, risk management, credit management, tax planning, retirement planning, saving and general management. Finally based on the findings the following possible recommendations were given. Most important ones are to increase the personal financial management knowledge of the instructors in the short run, the universities should introduce work shop, seminar and in the long run the Ministry of Education could incorporate personal financial management course in curriculum from high school, to educate the young, who are the next generation of the country through these the personal financial management knowledge of the individuals can be increased this will help to develop the country.

personal financial management, knowledge, instructors, university and Amhara Regional State.

"PERSONAL FINANCIAL MANAGEMENT KNOWLEDGE AMONG ETHIOPIAN UNIVERSITY INSTRUCTORS FOUND IN AMHARA REGIONAL STATE", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.6, Issue 6, page no.16-28, June-2019, Available :http://www.jetir.org/papers/JETIR1907S74.pdf

"PERSONAL FINANCIAL MANAGEMENT KNOWLEDGE AMONG ETHIOPIAN UNIVERSITY INSTRUCTORS FOUND IN AMHARA REGIONAL STATE", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.6, Issue 6, page no. pp16-28, June-2019, Available at : http://www.jetir.org/papers/JETIR1907S74.pdf