Economic factors are all factors related to the production of goods and services of an economy. Thus, the unemployment rate, fluctuations in the trade balance are economic factors. Government can also be considered an economic factor, since it is the government that drives the economic decisions of a nation.
Personal factors are those associated with the indifidual sphere, such as child education of families.
Global factors are those that modify all relations of production, commercialization, political and economic world. Global wars and a recession that affects everyone can be considered global factors.