Sophia T Anong, Ph.D.

College of Family and Consumer Sciences

Financial Planning, Housing and Consumer Economics

Assistant Professor

Graduate Faculty

129 Stuckey Building UGA Griffin Campus
1109 Experiment Street
Griffin, GA 30223


workOffice Phone: 770-467-6086

Fax: 770-467-6092

Curriculum Vitae

Current Classes


FHCE 4210/6210 Retirement Planning

FHCE 5250 Comprehensive Financial Planning


FHCE 3200E Intro to Personal Finance


FHCE 3200E Intro to Personal Finance

FHCE 4200/6200 Wealth Management I


Degree Field of Study Institution Graduation
Ph.D. Family and Consumer Economics Purdue University 2006
M.S. Agricultural Economics Purdue University 2003
B.S. Agric.& Natural Resources specializing in Agricultural Economics Africa University, Zimbabwe 1997


  • Mobile finance adoption and impact, particularly in African countries
  • Student loans and financial well-being
  • Disparities in the relationship between mental health and financial conditions

Current Research

I am very interested in the impact of mobile finance (transfers as well as payments) particularly mobile money through non-bank providers in African countries. This is mostly from the point of view of consumer empowerment in using mobile technology for financial access and transactions.I am also interested in financial knowledge and education, and relationships between financial vulnerability, health-related decisions, and health status, and how they vary across socioeconomic groups.


Ready-to-Rent - productive tenant life and financial coaching for residents of the Housing Authority of the City of Griffin

Taking Charge - financial coaching of residents of the Housing Authority of the City of Griffin, GA

Finanical Planning public awareness

Areas of Expertise

Recent supervision of graduate research                                                                                                                                                                                                                          

  1. Haidong Zhao, Ph.D. The Effect of Financial Incentives on NFC Mobile Payment Adoption (online experiment - Qualtrics U.S. sample), 2016 Award from the Jan M. Hathcote Social Science Academic Support Fund
  2. Judith Naa ayeley Aboagye, Ph.D. Provider and Consumer Perspectives on Mobile Money and Microfinance in Ghana (data collected in Accra), 2017 University of Georgia Graduate School interdisciplinary & Innovative Research Grant; 2017 Emerging Scholar - American Association of Family & Consumer Sciences
  3. Lekhnath Chalise, Ph.D. Extensive and Intensive Margins of Health Insurance Demand (National Health Interview Survey - CDC)
  4. Patience Ajongwen, MPhil. Rutgers University. Chronic conditions and out-of-pocket expenses (Medical Expenditure Panel Survey - HHS)

Prior Professional Positions

Organization / Department Title Years of Service
Virginia Tech Assistant Professor 2006-10


Award Name Awarded By Year Awarded
Outstanding Undergraduate Academic Advisor Award College of Family and Consumer Sciences, UGA 2015
Sarah H. Moss Fellowship Center for Teaching and Learning, UGA 2014
Sarah H. Moss Fellowship Center for Teaching and Learning, UGA 2012
Dissertation Award Western Family Economics Association 2007

Editorial Appointments

Position Name of Journal Year(s)
Associate Editor Family and Consumer Sciences Research Journal 2018-


Organization Title Year(s) Service Type
American Council on Consumer Interests Board member 2015-17 Membership Committee chair
Georgia Association of Family & Consumer Sciences Board member 2015-17 Chair, Resource Development (Funding-raising)


Google Profile

Job Description

Dr. Sophia T. Anong is an Assistant Professor and Graduate Faculty in the Department of Financial Planning, Housing, and Consumer Economics at the University of Georgia. She earned her Ph.D. and M.S. at Purdue University. She has a 50:50 teaching and research appointment.

She has published in the Journal of Consumer Affairs, Journal of Financial Counseling and Planning, Family and Consumer Science Research Journal, the International Journal of Consumer Studies, the International Journal of Home Economics, the Handbook of Consumer Finance Research, and the U.S. Bureau of Labor Statistics’ Compensation and Working Conditions now Monthly Labor Review. Her collaborators include graduate and undergraduate researchers who are mentored to collect primary data or analyze large complex national datasets such as the Survey of Consumer Finances, Medical Expenditure Panel Survey, or the National Health Interview Study.

She has presented at several national and international meetings and is an active member of several associations including the American Association for Family and Consumer Sciences, American Council on Consumer Interests, and the International Federation for Home Economics.