Sophia T Anong, Ph.D.

College of Family and Consumer Sciences

Financial Planning, Housing and Consumer Economics

Associate Professor

Graduate Faculty

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


workOffice Phone: 770-467-6086

Fax: 770-467-6092

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


  • Adoption and impact of mobile finance and mobile-enabled services by low-income groups, particularly in African countries
  • Student loans and financial well-being
  • Health and finances

Current Research

I am currently examining the impact of mobile money in Zimbabwe with collaborators in South Africa and Zimbabwe. This is mostly to understand how consumers are empowered when using mobile technology for financial services offered by non-bank telecom providers. I have conducted focus groups with rural and urban consumers and am using Finscope data sponsored by the World Bank to find intersections of mobile money with other areas of life in Zimbabwe.

I am also analyzing data from in-depth interviews conducted with low-income unbanked or underbanked individuals in the state of Georgia and triangulating findings with nationally-representative surveys by the U.S. Federal Deposit Insurance Corporation on mobile banking by unbanked and underbanked households.


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

Areas of Expertise

Recent direct 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
University of Georgia Assistant/Associate Professor 2010-present
Virginia Tech Assistant Professor 2006-10


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


Google Profile

Job Description

Dr. Sophia T. Chiremba Anong is an Associate 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. She has mentored and collaborated with faculty, graduate, and undergraduate students to collect primary data in the U.S. and in Africa, or analyze large complex national datasets such as the Survey of Consumer Finances, the National Financial Capability Study, the National Health Interview Survey, and the FDIC National Surveys of Unbanked and Underbanked Households. She has completed qualitative inquiries through two fellowships to examine mobile money use by rural and urban users in eastern Zimbabwe, and institutional adoption of mobile payment of tuition by a university in southwest Cameroon.

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