Final answer:
Personal socio-cultural factors are individual characteristics and social-cultural aspects that influence behavior and personality. Culture plays a significant role in shaping personality, with different cultures having different beliefs and values. Collectivist cultures value social harmony, while individualist cultures emphasize personal achievement.
Step-by-step explanation:
Personal socio-cultural factors refer to the individual characteristics and social-cultural aspects that influence a person's behavior and personality. One important aspect to consider is the influence of culture on personality. Cultures have different beliefs, customs, and values that shape individuals' behaviors and personalities. For example, collectivist cultures emphasize social harmony and group needs, while individualist cultures value personal achievement and independence.