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Financial Literacy Financial Education And Economic Outcomes
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Book Synopsis Financial literacy, financial education and economic outcomes by : Justine S. Hastings
Download or read book Financial literacy, financial education and economic outcomes written by Justine S. Hastings and published by . This book was released on 2012 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: In this article we review the literature on financial literacy, financial education, and consumer financial outcomes. We consider how financial literacy is measured in the current literature, and examine how well the existing literature addresses whether financial education improves financial literacy or personal financial outcomes. We discuss the extent to which a competitive market provides incentives for firms to educate consumers or offer products that facilitate informed choice. We review the literature on alternative policies to improve financial outcomes, and compare the evidence to evidence on the efficacy and cost of financial education. Finally, we discuss directions for future research.
Book Synopsis Financial Literacy and Financial Education by : Beata Świecka
Download or read book Financial Literacy and Financial Education written by Beata Świecka and published by Walter de Gruyter GmbH & Co KG. This book was released on 2019-03-18 with total page 122 pages. Available in PDF, EPUB and Kindle. Book excerpt: It is a well-known saying that money does not buy happiness. But it certainly helps in life. It is important to have enough of it to satisfy our needs and to secure ourselves from emergency situations. That's what adults think. And what about the youth? What is their approach to money, what do they know about finances and how are their skills in everyday financial management coming along? What kind of knowledge and skills should be provided? Do young people in different countries represent similar or different approaches to financial matters? Using the results of a research on young people in Poland and Germany, the authors draw a picture of financial literacy. They furthermore present a number of recommendations that help developing the knowledge and the financial skills of young people in practice.
Book Synopsis Financial Education and Capability by : Julie Birkenmaier
Download or read book Financial Education and Capability written by Julie Birkenmaier and published by Oxford University Press. This book was released on 2013-02-21 with total page 380 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book introduces the concept of financial capability and assembles the latest evidence from ground-breaking innovations with financially vulnerable families, and links it to education, policy, and practice. It is a key resource for those interested in improving financial education and financial products and services for low-income families.
Book Synopsis Financial Education and Risk Literacy by : Riccardo Viale
Download or read book Financial Education and Risk Literacy written by Riccardo Viale and published by Edward Elgar Publishing. This book was released on 2021-01-29 with total page 328 pages. Available in PDF, EPUB and Kindle. Book excerpt: This innovative book explores how the design of financial education programmes could benefit from the findings of behavioural economics and finance and cognitive sciences. It covers the social, cultural and technological determinants of financial education, the role of the banking system in promoting financial literacy, and how governments and regulatory authorities are dealing with financial education and risk literacy programmes in schools.
Book Synopsis Improving Financial Literacy Analysis of Issues and Policies by : OECD
Download or read book Improving Financial Literacy Analysis of Issues and Policies written by OECD and published by OECD Publishing. This book was released on 2005-11-10 with total page 181 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book describes the different types of financial education programmes currently available in OECD countries, evaluates their effectiveness, and makes suggestions to improve them.
Book Synopsis Student Financial Literacy by : Dorothy B. Durband
Download or read book Student Financial Literacy written by Dorothy B. Durband and published by Springer Science & Business Media. This book was released on 2012-04-04 with total page 203 pages. Available in PDF, EPUB and Kindle. Book excerpt: College students are particularly vulnerable to making poor financial decisions. One method of addressing personal finances and financial stress among students of higher education is through university based financial education programs. Student Financial Literacy: Program Development presents effective strategies to assist in the implementation or the enhancement of a program as a tool to improve students’ educational experience and financial well-being. It presents the key components of financial education programs designed to address the growing concerns associated with high levels of debt and low levels of financial literacy among college students. “Student Financial Literacy: Campus-Based Program Development is packed with financial education and counseling information and guidance. It was very difficult to write this review as I wanted to share ALL the excellent direction this book provides... The editors and contributing authors have developed an excellent resource for not only those interested in developing or enhancing a campus-based financial education program but also for anyone involved in financial education, counseling, and planning.” -Rebecca J. Travnichek, Family Financial Education Specialist, University of Missouri Extension Journal of Financial Counseling and Planning
Download or read book Financial Literacy written by and published by PediaPress. This book was released on with total page 81 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Financial Education for Youth The Role of Schools by : OECD
Download or read book Financial Education for Youth The Role of Schools written by OECD and published by OECD Publishing. This book was released on 2014-04-07 with total page 184 pages. Available in PDF, EPUB and Kindle. Book excerpt: This publication addresses the challenges linked to the introduction of financial education in schools, provides practical guidance and case studies to assist policy makers, as well as a comparative analysis of existing learning frameworks.
Book Synopsis Financial Literacy Education by : Chris Arthur
Download or read book Financial Literacy Education written by Chris Arthur and published by Springer Science & Business Media. This book was released on 2012-10-13 with total page 153 pages. Available in PDF, EPUB and Kindle. Book excerpt: Consumer financial literacy education often appears as a helpful, commonsense solution to neoliberalism and the individualization of responsibility for economic risk. However, in Financial Literacy Education: Neoliberalism, the Consumer and the Citizen this particular literacy is argued to be both ineffective and unjust. Socially created poverty, unemployment and economic insecurity require more than individual consumer solutions; they require collective responses by engaged, critical citizens. Utilizing concepts from Marx, Foucault, Bourdieu and Baudrillard this book challenges those who claim that ‘there is no alternative’ to neoliberal insecurity and reduce education to a consumerist training of entrepreneurial consumer-citizens who can continually invest in themselves and the market. Through an analysis of consumer fi nancial literacy education’s present and historical supports, as well as its likely effects, this book argues that the choice before us is not fi nancial illiteracy or fi nancial literacy. Rather, the choice is between subjugation to the requirements of perpetual competition or overcoming alienation, insecurity and exploitation, aims the critical fi nancial literacy education outlined at the end of this book supports. This book will appeal to those interested in understanding the conditions of our freedom in an increasingly fi nancialized world – critical educators, philosophers and sociologists of education and fi nancial literacy researchers.
Book Synopsis Improving Financial Education Efficiency OECD-Bank of Italy Symposium on Financial Literacy by : OECD
Download or read book Improving Financial Education Efficiency OECD-Bank of Italy Symposium on Financial Literacy written by OECD and published by OECD Publishing. This book was released on 2011-10-27 with total page 152 pages. Available in PDF, EPUB and Kindle. Book excerpt: This symposium proceedings examines three aspects of financial education: monitoring and evaluation, use of behavioral economics, and financial literacy and defined contribution pension plans.
Book Synopsis Financial Education and the Debt Behavior of the Young by : Meta Brown
Download or read book Financial Education and the Debt Behavior of the Young written by Meta Brown and published by . This book was released on 2013 with total page 45 pages. Available in PDF, EPUB and Kindle. Book excerpt: More than three-quarters of U.S. households bear consumer debt, yet we have little understanding of the relationship between financial education and the debt behavior of U.S. consumers. In this paper, we study the effects of exposure to financial training on debt outcomes in early adulthood. Identification comes from variation in financial literacy, economics, and mathematics course offerings and graduation requirements mandated over the 1990s and 2000s by state-level high-school curricula. The FRBNY Consumer Credit Panel provides debt outcomes based on quarterly Equifax credit reports from 1999 to 2012. Our analysis, based on a flexible event-study approach, reveals significant effects of financial education on debt-related outcomes of youth. On the extensive margin, financial literacy education has a sizable impact on the propensity of youth having a credit report. Conditional on having a credit report, on the intensive margin, math and financial literacy education exposure reduces the incidence of adverse outcomes - such as accounts in collections and delinquent accounts - and reduces both the likelihood of youth carrying debt and their average debt balances. The net effect of both math and financial literacy education is an increase in youths' average creditworthiness, as measured by the Equifax risk score. On the other hand, economic education increases the likelihood of individuals carrying balances, leads to significant increases in debt balances - in particular, debt used to support consumption - and, at the same time, increases the likelihood of adverse credit outcomes, leading to a decline in youths' average risk scores. The effects of these financial education policies accumulate over the course of early adulthood. Our results suggest that financial education programs, increasingly promoted by policymakers, are likely to have significant impacts on the financial decision-making of youth, but the effects depend on the content of these programs.
Book Synopsis Financial education by : Kristof De Witte
Download or read book Financial education written by Kristof De Witte and published by Waxmann Verlag. This book was released on 2020 with total page 194 pages. Available in PDF, EPUB and Kindle. Book excerpt: In a world where individuals become increasingly responsible for their financial well-being, and where the complexity of financial markets and products is growing, financial education becomes crucial. Although it is well accepted to introduce financial education in compulsory education, there is no consensus on the optimal way to implement financial education. This book explores the current state and the future challenges of financial education in five European countries: Belgium, Estonia, Italy, Slovakia, and the Netherlands. Moreover, it provides a comprehensive review of the academic literature on financial literacy. The book is a product of a strategic partnership with professionals from 14 partners, including universities, secondary schools and intermediary organisations dealing with financial literacy promotion. The EUFin project supported by this partnership aims to develop evidence-based didactical material for financial literacy education for tertiary and secondary education levels and exchange best-practices.
Book Synopsis Financial Literacy and Responsible Finance in the FinTech Era by : John O.S. Wilson
Download or read book Financial Literacy and Responsible Finance in the FinTech Era written by John O.S. Wilson and published by Taylor & Francis. This book was released on 2021-07-21 with total page 161 pages. Available in PDF, EPUB and Kindle. Book excerpt: A growing body of evidence suggests that financial literacy plays an important role in financial well-being, and that differences in financial knowledge acquired early in life can explain a significant part of financial and more general well-being in adult life. Financial technology (FinTech) is revolutionizing the financial services industry at an unrivalled pace. Views differ regarding the impact that FinTech is likely to have on personal financial planning, well-being and societal welfare. In an era of mounting student debt, increased (digital) financial inclusion and threats arising from instances of (online) financial fraud, financial education and enlightened financial advising are appropriate policy interventions that enhance financial and overall well-being. Financial Literacy and Responsible Finance in the FinTech Era: Capabilities and Challenges engages in this important academic and policy agenda by presenting a set of seven chapters emanating from four parallel streams of literature related to financial literacy and responsible finance. The chapters in this book were originally published as a special issue of The European Journal of Finance.
Book Synopsis Women and Financial Literacy. Its Measurement Method and Outcomes by : Angelina Scholtysik
Download or read book Women and Financial Literacy. Its Measurement Method and Outcomes written by Angelina Scholtysik and published by GRIN Verlag. This book was released on 2018-09-25 with total page 26 pages. Available in PDF, EPUB and Kindle. Book excerpt: Seminar paper from the year 2014 in the subject Economics - Finance, grade: 1,0, , language: English, abstract: The purpose of this paper is to explain financial literacy, its measurement method and outcomes, particularly with respect to gender. Next, we analyze the gender gap by scrutinizing current research on this topic. Finally, we examine current initiatives providing help to women in need of financial education. Data from different household and health surveys revealed that the level of financial literacy is low worldwide. Particularly regarding the gender effect, this finding is concerning. Women tend to be less sophisticated in financial matters than men, whilst facing more demographic and economic barriers. Despite the effort to measure financial literacy, there is no consensus on the sources of gender differences. This suggests that, although policy makers and economies mount initiatives in order to enhance financial literacy among women around the world, research regarding factors affecting women’s financial education and attitude towards financial literacy is still in its infancy. In addition, to date little evidence is given on their efficacy of those new established financial education programs. In times of economic and demographic change, personal financial literacy is crucial in everyday life decisions and future planning. Since several countries changed their pension schemes from traditional defined benefit pensions to individual- account contribution schemes and financial instruments become more and more complex, individuals have been confronted with decision makings over savings, investments and consumption on their own, bearing the risk of wrong investment choices and bad liquidity management leading to an insecure financial future. Overall and regardless of the country’s economic development and pension scheme, the level of knowledge on financial matter referred to as financial literacy is suggested to be very low around the world.
Book Synopsis The Routledge Handbook of Financial Literacy by : Gianni Nicolini
Download or read book The Routledge Handbook of Financial Literacy written by Gianni Nicolini and published by Routledge. This book was released on 2021-12-30 with total page 560 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial literacy and financial education are not new topics, even though interest in these topics among policymakers, financial authorities, and academics continues to grow. The Routledge Handbook of Financial Literacy provides a comprehensive reference work that addresses both research perspectives and practical applications to financial education. This is the first volume to summarize the milestones of research in financial literacy from multiple perspectives to offer an overview. The book is organized into six parts. The first three parts provide a conceptual framework, which discusses what financial literacy is, how it should be measured, and explains why it represents a relevant topic and effective tool in enhancing decision-making among consumers as well as consumer protection strategies. Part IV addresses the connection between financial education and financial literacy, with chapters about financial education in school settings as well as for adults. This part includes an analysis of the role of Fintech and the use of gamification in financial education. Part V is a collection of contributions that analyze financial literacy and financial education around the world, with a focus on geographical areas including the U.S., South America, Western Europe, Eastern Europe, Asia, and Africa. This part also considers how financial literacy should be addressed in the case of Islamic finance. The concluding part of the book examines how financial literacy is related to other possible approaches to consumer finance and consumer protection, addressing the relationships between financial literacy and behavioral economics, financial well-being, and financial inclusion. This volume is an indispensable reference for scholars who are new to the topic, including undergraduate and graduate students, and for experienced researchers who wish to enrich their knowledge, policymakers seeking a broader understanding and an international perspective, and practitioners who seek knowledge of best practices as well as innovative approaches.
Book Synopsis Overcoming the Saving Slump by : Annamaria Lusardi
Download or read book Overcoming the Saving Slump written by Annamaria Lusardi and published by University of Chicago Press. This book was released on 2009-10-15 with total page 406 pages. Available in PDF, EPUB and Kindle. Book excerpt: The great majority of working Americans are unprepared to face the difficult task of planning for retirement. In fact, the personal savings rate has been holding steady at zero for several years, down from 8 percent in the mid-1980s. Overcoming the Saving Slump explores the many challenges facing workers in the transition from a traditional defined benefit pension system to one that requires more individual responsibility, analyzing the considerable impediments to saving and evaluating financial literacy programs devised by employers and the government. Mapping the changing landscape of pensions and the rise of defined contribution plans, Annamaria Lusardi and others investigate new methods for stimulating saving and promoting financial education drawing on the experience of the United States as well as countries that have privatized their welfare systems, including Sweden and Chile. This timely volume pinpoints where human resources departments, the financial industry, and government officials have succeeded—or failed—in bridging the way to a new retirement system. As the workforce ages and more pensions disappear each second, Lusardi’s findings will be invaluable for economists and anyone facing retirement.
Book Synopsis International Handbook of Financial Literacy by : Carmela Aprea
Download or read book International Handbook of Financial Literacy written by Carmela Aprea and published by Springer. This book was released on 2016-03-24 with total page 708 pages. Available in PDF, EPUB and Kindle. Book excerpt: This Handbook presents in-depth research conducted on a myriad of issues within the field of financial literacy. Split into six sections, it starts by presenting prevalent conceptions of financial literacy before covering financial literacy in the policy context, the state and development of financial literacy within different countries, issues of assessment and evaluation of financial literacy, approaches to teaching financial literacy, and teacher training and teacher education in financial literacy. In doing so, it provides precise definitions of the construct of financial literacy and elaborates on the state and recent developments of financial literacy around the world, to show ways of measuring and fostering financial literacy and to give hints towards necessary and successful teacher trainings. The book also embraces the diversity in the field by revealing contrasting and conflicting views that cannot be bridged, while at the same time making a contribution by re-joining existing materials in one volume which can be used in academic discourse, in research-workshops, in university lectures and in the definition of program initiatives within the wider field of financial literacy. It allows for a landscape of financial literacy to be depicted which would foster the implementation of learning opportunities for human beings for sake of well-being within financial living-conditions. The Handbook is useful to academics and students of the topic, professionals in the sector of investment and banking, and for every person responsible for managing his or her financial affairs in everyday life.
