Academic literature on the topic 'Financial literacy'

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Journal articles on the topic "Financial literacy"

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Rahim, Nurhazrina Mat, Norli Ali, and Mohd Fairuz Adnan. "Students' Financial Literacy: Digital Financial Literacy Perspective." 13th GLOBAL CONFERENCE ON BUSINESS AND SOCIAL SCIENCES 13, no. 1 (2022): 1. http://dx.doi.org/10.35609/gcbssproceeding.2022.1(9).

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Financial instability and a lack of financial literacy are commonly blamed for the growth in bankruptcy and social concerns among the younger generation. Between 2017 and October 2021, 36,173 Malaysians aged 18 to 44 were declared bankrupt, according to the latest numbers from the Malaysian Department of Insolvency. Furthermore, Selangor had the highest number of instances (25 per cent) (MdI, 2021). This problem offers a substantial obstacle to achieving the Sustainable Development Goals (SDGs), which aim to reduce inequality and promote social and economic inclusion for all citizens. Addition
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Rahim, Nurhazrina Mat, Norli Ali, and Mohd Fairuz Adnan. "Students’ Financial Literacy: Digital Financial Literacy Perspective." GATR Journal of Finance and Banking Review 6, no. 4 (2022): 18–25. http://dx.doi.org/10.35609/jfbr.2022.6.4(2).

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Objective - This study aims to assess students' financial literacy levels using digital financial literacy (DFL), the most recent element. Methodology – Students who are based in Selangor, Malaysia, were chosen for this study as they recorded a high rate of youth bankruptcy. Convenience sampling was used to distribute the questionnaires among the students between March and August of 2021, where a total of 184 responses were retrieved. Findings and Novelty – The results indicated that students possessed advanced financial knowledge and confidence. Despite the extensive experience in completing
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Sameer El Khatib, Ahmed. "Financial Literacy." International Journal for Innovation Education and Research 9, no. 3 (2021): 47–62. http://dx.doi.org/10.31686/ijier.vol9.iss3.2971.

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The present paper explores various approaches to the development of cognitive process dimensions in financial literacy. Applying the regression model, the study has examined the strength of the relationship between the actual financial competence of 413 Brazilian’s students aged 18-21, studying economic disciplines, and their school performance. The research has produced the following conclusions: (a) a weak dependence of actual skills on school performance; (b) inherently associated consequence of school performance is not corresponding to the actual financial skills; (c) a low level of finan
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Filbeck, Greg, Jason Pettner, and Xin Zhao. "Financial literacy." Financial Services Review 28, no. 4 (2023): 315–40. http://dx.doi.org/10.61190/fsr.v28i4.3435.

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The CFA Society Pittsburgh launched a high school financial literacy campaign resulting in sig- nificant improvements in financial behavior, subjective and objective financial knowledge, and self- esteem. Before the campaign, male students and students with higher grade point averages (GPAs) show better objective knowledge. In addition, we find disconnect between actual and perceived fi- nancial knowledge. Students exhibited gains in all aspects after completing the program. The subca- tegories with the lowest pre-survey scores or female students show the greatest improvements in the post-surv
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Worthington, Andrew C. "Financial literacy and financial literacy programmes in Australia." Journal of Financial Services Marketing 18, no. 3 (2013): 227–40. http://dx.doi.org/10.1057/fsm.2013.18.

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Lethepa, Alicia, Reon Matemane, and Nyasha Dhlembeu. "Bankers and financial advisers in an emerging economy: are they financially literate?" Banks and Bank Systems 15, no. 2 (2020): 16–27. http://dx.doi.org/10.21511/bbs.15(2).2020.02.

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Financial literacy is important for employees in the banking sector, as they are required to advise and administer the savings and investments of their clients. This study aims to establish financial literacy levels for banking employees and socio-demographic variables that influence their financial literacy levels. When collecting the necessary data for analysis, a survey was used for the total final sample of 120 employees of the banking sector. Descriptive statistics, the two-sample T-test and a simple ANOVA were used to determine the actual financial literacy levels and the socio-demograph
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Rani, Pooja, and Neelam Jain. "FINANCIAL LITERACY: A KEY DRIVER TO FINANCIAL INCLUSION." BSSS Journal of Management 14, no. 1 (2023): 8–19. http://dx.doi.org/10.51767/jm1402.

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Financial Inclusion and the level of financial literacy of their citizens has recently become a growing concern for developed and emerging economies. Since financial markets have grown more complex and it has become increasingly difficult for the common person to decide wisely, financial literacy has become more and more important. The purposes of this paper are to provide an outline of financial literacy and financial inclusion and to investigate the contribution that financial literacy makes to the advancement of financial inclusion. In order to achieve this goal, several measures taken by f
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Wahyuni, Sri Fitri, Radiman Radiman, and Dini Kinanti. "Pengaruh Literasi Keuangan, Lifestyle Hedonis dan Sikap Keuangan Pribadi Terhadap Perilaku Keuangan Mahasiswa." Owner 7, no. 1 (2023): 656–71. http://dx.doi.org/10.33395/owner.v7i1.1304.

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Financial behavior is a person's ability to manage planning, budgeting, checking, managing, controlling, finding and storing daily financial funds. One of the factors that influence financial behavior is knowledge about financial literacy. The author's purpose is to determine the effect of financial literacy, hedonic lifestyle and personal financial attitudes on financial behavior in students of the economics faculty of management study program class l2018. The numberl of samplesl in thisl study werel 84 students usingl the slovinl formula. Thel analysis technique inl this studyl uses multiple
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Sukma, Sjahmagri Priatama, and Mahir Pradana. "EFFECT OF FINANCIAL LITERACY, FINANCIAL ATTITUDE, AND FINANCIAL INCLUSION ON FINANCIAL BEHAVIOR." Jurnal Riset Bisnis dan Manajemen 15, no. 01 (2022): 20–25. http://dx.doi.org/10.23969/jrbm.v15i01.5163.

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Students who are financially dependent on parents and financial-independent students are affected by Covid-19. Preventing financial problems can be carried out by good financial literacy. Based on precedent studies, financial literacy in Telkom University students was good; however, in reality, a protest emerged regarding tuition fees, generating a gap between the theory and reality. This study aimed to test a financial literacy argument of Telkom University students and the reality during pandemic. The study employed a quantitative method, verificative description, and purposive non-probabili
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Khusaini, Khusaini, Bambang Mardisentosa, Asep Ferry Bastian, Ruhiyat Taufik, and Windi Widiawati. "The Impact of Financial Education and Socioeconomic Status on the Undergraduate Students' Financial Literacy." Media Ekonomi dan Manajemen 27, no. 1 (2022): 55. http://dx.doi.org/10.24856/mem.v27i01.2385.

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Financial literacy is a crucial variable for researchers and policymakers because financial literacy's contribution encourages inhabitants to organize future financial planning and decision improvement. The study aims to empirically investigate the determinants of financial literacy such as financial education, parents' socioeconomic status, and gender. The authors used a cross-sectional survey approach with N = 325 samples. The result of measuring students' financial literacy showed a moderate condition (moderate level). The multiple linear regression models showed that parents' socioeconomic
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Dissertations / Theses on the topic "Financial literacy"

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Lee, Nirmala. "Financial literacy and financial literacy education : what might be the components of an effective financial literacy curriculum?" Thesis, University College London (University of London), 2010. http://discovery.ucl.ac.uk/10007419/.

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There is concern about lack of financial literacy and need for financial literacy education, but little or no attempt to understand their nature. Three questions were asked: 'What is financial literacy?', 'What is financial literacy education?' and 'What might be the components of an effective financial literacy curriculum?'. Adopting an inductive grounded theory approach and a pragmatist philosophy, in association with real-world organisations such as the National Institute of Adult Continuing Education (NIACE), the Financial Services Authority (FSA), and the National Research and Development
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Tschache, Candice Arrington. "Importance of financial literacy and financial literacy content in curriculum." Thesis, Montana State University, 2009. http://etd.lib.montana.edu/etd/2009/tschache/TschacheC0809.pdf.

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Teachers, administrators, parents, business owners, and community members need to know the importance and value of a Personal Finance class. In this study, a two page survey was given to teachers, administrators, parents, business owners, and community members to determine the importance they placed on financial literacy curriculum and what content they think should be included in a financial literacy curriculum at Bozeman High School. The results of this survey showed that most participants of the survey thought financial literacy was important and that financial literacy curriculum was also
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Hamilton, Angela. "Simulations for Financial Literacy." Master's thesis, University of Central Florida, 2012. http://digital.library.ucf.edu/cdm/ref/collection/ETD/id/5235.

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Financially literate consumers are empowered with the knowledge and skills necessary to make sound financial decisions that ensure their long-term economic well-being. Within the context of the range of cognitive, psychological, and social factors that influence consumer behavior, simulations enhance financial literacy by developing consumers' mental models for decision-making. Technical communicators leverage plain language and visual language techniques to communicate complex financial concepts in ways that consumers can relate to and understand. Simulations for financial education and de
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Dusanic, Bojan, and Armin Osmanovic. "Vad påverkar financial literacy?" Thesis, Högskolan i Halmstad, Akademin för ekonomi, teknik och naturvetenskap, 2017. http://urn.kb.se/resolve?urn=urn:nbn:se:hh:diva-34794.

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På senaste tid har det individuella kravet på ekonomiska frågor ökat allt mer och mer i takt med den teknologiska framfarten. I samband med detta är det väldigt viktigt med finansiell kunskap, även kallat financial literacy, för att kunna utföra dessa vardagliga situationer. Vad är det då som förbättrar en individs financial literacy? Vissa studier hävdar att det är det finansiella beteende som är grunden till en god financial literacy, medan andra påstår att det har med räknekunskap att göra. Andra faktorer, såsom utbildning, kön och ålder konstateras spela en stor roll om man frågar andra ak
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Bettington, Jacqueline J. "Unpacking director financial literacy." Thesis, Queensland University of Technology, 2015. https://eprints.qut.edu.au/86056/1/Jacqueline_Bettington_Thesis.pdf.

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The social and economic effects of high profile governance scandals such as the National Safety Council, HIH and Centro have triggered much debate, reform and research into predicting and preventing future failures. While this has meant director financial literacy is now recognised as a core capability required of each individual director, there has been little guidance on what this capability involves other than the very general statement of being able to 'read and understand financial statements'. This thesis presents the results of a Delphi study aimed at identifying the core concepts a dir
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Debbich, Majdi. "Essays in Financial Literacy and Financial Behaviors." Paris, EHESS, 2015. http://www.theses.fr/2015EHES0098.

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Depuis plusieurs années, les ménages font face à un processus de responsabilisation financière croissante. Dans ce contexte, les individus ont-ils les compétences financières suffisantes pour prendre des décisions éclairées en matière de planification financière, d'accumulation du patrimoine, d'endettement et de retraite? Quelles solutions peuvent-elles être envisagées pour atténuer les effets néfastes du manque d'éducation financière? Cette thèse contribue à répondre à ces deux questions à travers une évaluation de l'éducation financière en France et de ses liens avec les comportements financ
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Bettington, Jacqueline J. "How does director financial literacy influence financial monitoring?" Thesis, Queensland University of Technology, 2021. https://eprints.qut.edu.au/213554/1/Jacqueline_Bettington_Thesis.pdf.

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There is a paucity of evidence into why boards such as Centro fail despite meeting normative financial governance standards. Drawing on Agency and organisational behavioural theories this mixed-method study involved developing and applying in the field a psychometrically robust measure of director financial literacy (DFL) and interviewing directors to investigate how they develop and apply this capability to financial monitoring. Findings verified that, generally, directors lack the requisite baseline DFL for financial monitoring and challenged the prevailing view that skill-based board divers
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MIGLIAVACCA, MILENA. "THREE PERSPECTIVES ON FINANCIAL LITERACY." Doctoral thesis, Università Cattolica del Sacro Cuore, 2017. http://hdl.handle.net/10280/35761.

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Questa tesi si propone di analizzare il tema dell’alfabetizzazione finanziaria secondo tre differenti prospettive servendosi di dati raccolti da un’indagine appositamente creata e somministrata in Italia tra Settembre 2014 e Febbraio 2015. Il primo capitolo guarda alle determinanti dell’alfabetizzazione finanziaria, concentrandosi sul ruolo dei consulenti finanziari, il secondo assume una prospettiva più psicologica sul tema e il terzo guarda alla mancanza di alfabetizzazione finanziaria quale possibile causa di distorsioni comportamentali finanziarie. Gli interventi tradizionalmente volti al
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MIGLIAVACCA, MILENA. "THREE PERSPECTIVES ON FINANCIAL LITERACY." Doctoral thesis, Università Cattolica del Sacro Cuore, 2017. http://hdl.handle.net/10280/35761.

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Questa tesi si propone di analizzare il tema dell’alfabetizzazione finanziaria secondo tre differenti prospettive servendosi di dati raccolti da un’indagine appositamente creata e somministrata in Italia tra Settembre 2014 e Febbraio 2015. Il primo capitolo guarda alle determinanti dell’alfabetizzazione finanziaria, concentrandosi sul ruolo dei consulenti finanziari, il secondo assume una prospettiva più psicologica sul tema e il terzo guarda alla mancanza di alfabetizzazione finanziaria quale possibile causa di distorsioni comportamentali finanziarie. Gli interventi tradizionalmente volti al
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Pettinicchi, Yuri <1983&gt. "Three essays in financial literacy." Doctoral thesis, Università Ca' Foscari Venezia, 2012. http://hdl.handle.net/10579/1175.

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This dissertation focuses on the effects of financial literacy on individual financial behaviour, within a general equilibrium framework. Through a simple asset pricing model with heterogeneous beliefs about future prices, I analyse three different features: the information acquisition process, the market participation choice and the financial literacy production. I check the effects of financial literacy improving policies on individual welfare. Furthermore, I provide policy implications, especially with respect to the market stability.<br>Questa tesi analizza l'effetto delle conoscenze finan
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Books on the topic "Financial literacy"

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Saeedi, Ali, and Meysam Hamedi. Financial Literacy. Springer International Publishing, 2018. http://dx.doi.org/10.1007/978-3-319-77857-0.

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Baranova, Alla, Marina Fridrih, and Elena Sinyavskaya. Financial literacy. INFRA-M Academic Publishing LLC., 2023. http://dx.doi.org/10.12737/1865717.

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In the textbook for universities on the course "Financial literacy", the issues of formation and development of financial literacy of the population are disclosed, the main characteristics of finance are considered and practical recommendations on financial planning of personal and family budgets, tips on avoiding financial fraud are given. Much attention is paid to the methods of investing money, the basics of creating your own business. At the end of each chapter, tasks, tests and a glossary are offered to consolidate the theoretical material.&#x0D; Meets the requirements of the federal stat
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Billitteri, Thomas J. Financial Literacy. CQ Press, 2009. http://dx.doi.org/10.4135/cqresrre20090904.

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Durband, Dorothy B., and Sonya L. Britt, eds. Student Financial Literacy. Springer US, 2012. http://dx.doi.org/10.1007/978-1-4614-3505-1.

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Zokaityte, Asta. Financial Literacy Education. Springer International Publishing, 2017. http://dx.doi.org/10.1007/978-3-319-55017-6.

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Arthur, Chris, ed. Financial Literacy Education. SensePublishers, 2012. http://dx.doi.org/10.1007/978-94-6091-918-3.

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Michael, Casey K., and Roberts Sherry J, eds. Personal financial literacy. Pearson Addison-Wesley, 2010.

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Rogulina, Marina, Tat'yana Kopalina, Galina Nevedrova, et al. Fundamentals of financial literacy. INFRA-M Academic Publishing LLC., 2021. http://dx.doi.org/10.12737/1086517.

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The textbook is developed in accordance with the working program of the discipline "Fundamentals of financial literacy". At the present level, the questions devoted to the basics of financial literacy are revealed. The given theoretical material, test and practical tasks contribute to the study of the educational material during independent work, which ensures effective assimilation and practical application of the acquired knowledge.&#x0D; Meets the requirements of the federal state educational standards of secondary vocational education of the latest generation.&#x0D; For full-time and dista
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Gadzhiev, Nazirhan, Sergey Konovalenko, Ol'ga Skripkina, et al. Fundamentals of financial literacy. INFRA-M Academic Publishing LLC., 2023. http://dx.doi.org/10.12737/1859083.

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Financial literacy in today's developed and rapidly changing world is one of the vital elements in the system of skills and rules of conduct. The textbook contains six chapters that form students' financial literacy and contribute to the development of decision-making skills in the field of personal finance management. The textbook discusses modern financial services and financial products for the population, types of financial violations and fraud, as well as ways to counter them. The practical aspects of taxation of individuals, ways of protecting the rights of consumers of financial service
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Foster, Chad. Financial literacy for teens. Rising Books, 2005.

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Book chapters on the topic "Financial literacy"

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Vidovićová, Lucie. "Financial Literacy." In Encyclopedia of Gerontology and Population Aging. Springer International Publishing, 2019. http://dx.doi.org/10.1007/978-3-319-69892-2_193-1.

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Aren, Marie-Louise Fehun. "Financial literacy." In Social Structure Adaptation to COVID-19. Routledge, 2024. http://dx.doi.org/10.4324/9781032690278-28.

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Stephen, Jacqueline S. "Financial Literacy." In Springer Texts in Education. Springer Nature Switzerland, 2024. http://dx.doi.org/10.1007/978-3-031-54439-2_13.

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Schneider-Reißig, Maria. "Financial Literacy." In Debt Literacy. Springer Fachmedien Wiesbaden, 2018. http://dx.doi.org/10.1007/978-3-658-22081-5_2.

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Vidovićová, Lucie. "Financial Literacy." In Encyclopedia of Gerontology and Population Aging. Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-22009-9_193.

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Nicolini, Gianni. "Financial literacy." In Financial Literacy in Europe. Routledge, 2019. http://dx.doi.org/10.4324/9780429431968-2.

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Finley, Shakealia Y. "Financial literacy, financial liberation." In Financialization, Financial Literacy, and Social Education. Routledge, 2021. http://dx.doi.org/10.4324/9781003020264-7.

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Saeedi, Ali, and Meysam Hamedi. "Chapter 1 Financial Literacy and Financial Behavior." In Financial Literacy. Springer International Publishing, 2018. http://dx.doi.org/10.1007/978-3-319-77857-0_2.

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Saeedi, Ali, and Meysam Hamedi. "Introduction: Basics of Financial Literacy." In Financial Literacy. Springer International Publishing, 2018. http://dx.doi.org/10.1007/978-3-319-77857-0_1.

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Saeedi, Ali, and Meysam Hamedi. "Chapter 2 Who Should Be Educated in Financial Literacy?" In Financial Literacy. Springer International Publishing, 2018. http://dx.doi.org/10.1007/978-3-319-77857-0_3.

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Conference papers on the topic "Financial literacy"

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Widiyatmoko, Tri, Untung Rahardja, Nanda Septiani, Dewi Immaniar Desrianti, and Muhammad Faizal Fazri. "The Role of Financial Literacy and Fintech in Promoting Financial Inclusion." In 2024 2nd International Conference on Technology Innovation and Its Applications (ICTIIA). IEEE, 2024. https://doi.org/10.1109/ictiia61827.2024.10761370.

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Fuhrmann, Bettina, Maria Silgoner, Marina Hettrich, Valentin Voith, and Maximilian Zieser. "CLOSING THE GENDER GAP IN FINANCIAL LITERACY." In 17th annual International Conference of Education, Research and Innovation. IATED, 2024. https://doi.org/10.21125/iceri.2024.0308.

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Danilevičienė, Irena. "The assessment of youth financial literacy impact on saving." In 14th International Scientific Conference „Business and Management 2024“. Vilnius Gediminas Technical University, 2024. http://dx.doi.org/10.3846/bm.2024.1227.

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Financial literacy and savings are very important for efficient personal finance management. If the person has an excellent financial literacy level, the amount of savings is very high. This article aims to assess the link between youth financial literacy and savings. The following tasks have been implemented: to analyse the scientific literature about financial literacy and personal finance management and assess youth financial literacy’s impact on savings. In the article, the following methods of analysis are used: an analysis and summary of the scientific literature, an analysis of the surv
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Fodor, Kitti. "Financial Literacy and Indebtedness." In MultiScience - XXXIII. microCAD International Multidisciplinary Scientific Conference. University of Miskolc, 2019. http://dx.doi.org/10.26649/musci.2019.104.

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Mesquita, Anabela, Paula Peres, and Luciana Oliveira. "Financial literacy in portugal." In the 3rd International Conference. ACM Press, 2015. http://dx.doi.org/10.1145/2808580.2808657.

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M.N., Nuryasman, and Vincent. "Impact of Financial Literacy on Financial Inclusion." In International Conference on Entrepreneurship and Business Management (ICEBM) Untar. SCITEPRESS - Science and Technology Publications, 2018. http://dx.doi.org/10.5220/0008487600260031.

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Savard, Annie, and Alexandre Cavalcante. "Beyond Financial Literacy and Financial Mathematics: Conceptualizing Financial Numeracy." In The 14th International Congress on Mathematical Education. WORLD SCIENTIFIC, 2024. http://dx.doi.org/10.1142/9789811287152_0112.

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Gogola, Erik. "The Impact of Financial Literacy on Debt Behavior of Households: Evidence from Micro Data." In EDAMBA 2022: 25th International Scientific Conference for Doctoral Students and Post-Doctoral Scholars. University of Economics in Bratislava, 2023. http://dx.doi.org/10.53465/edamba.2022.9788022550420.128-139.

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While several papers have focused on the effect of financial literacy on household retirement savings or investment choices, this paper is devoted to its impact on households’ debt behavior. We utilize Slovak household finance and consumer survey (HFCS) microdata to analyze the impact of the objective level of financial literacy on Slovak households ́ debt behavior. We find that Slovak households display different debt behavior with respect to varying levels of financial literacy. We focus on high-cost credit products and find that a household ́s financial literacy does not have a statisticall
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Mihno, Linda. "Influence of Factors Promoting Financial Literacy on the Achievements of Financial Literacy of Students in Latvia." In 79th International Scientific Conference of University of Latvia. University of Latvia, 2021. http://dx.doi.org/10.22364/htqe.2021.26.

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The literature suggests that financial literacy depends on factors such as socioeconomic status/sociodemographic status, psychosocial and psychological factors, experience, and access to financial education, language skills, mathematical literacy and other factors. The aim of this study was to identify the factors that influence the financial literacy achievements of students from Latvia, focusing on the possibility to improve these achievements. The data analysis was performed with PISA 2018 Latvian data, which there were selected 25% of the participating students whose financial literacy per
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Hamidah, Danny Gustiawan, and Agung Dharmawan Buchdadi. "Financial literacy and capital market literacy among students." In Proceedings of the 1st International Conference on Education Social Sciences and Humanities (ICESSHum 2019). Atlantis Press, 2019. http://dx.doi.org/10.2991/icesshum-19.2019.31.

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Reports on the topic "Financial literacy"

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Klapper, Leora, Annamaria Lusardi, and Georgios Panos. Financial Literacy and the Financial Crisis. National Bureau of Economic Research, 2012. http://dx.doi.org/10.3386/w17930.

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Lusardi, Annamaria. Numeracy, financial literacy, and financial decision-making. National Bureau of Economic Research, 2012. http://dx.doi.org/10.3386/w17821.

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Hastings, Justine, Brigitte Madrian, and William Skimmyhorn. Financial Literacy, Financial Education and Economic Outcomes. National Bureau of Economic Research, 2012. http://dx.doi.org/10.3386/w18412.

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Kaiser, Tim, and Annamaria Lusardi. Financial Literacy and Financial Education: An Overview. National Bureau of Economic Research, 2024. http://dx.doi.org/10.3386/w32355.

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Lusardi, Annamaria, and Olivia Mitchell. The Outlook for Financial Literacy. National Bureau of Economic Research, 2011. http://dx.doi.org/10.3386/w17077.

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Choinière-Crèvecoeur, Ismael, and Pierre-Carl Michaud. Reverse Mortgages and Financial Literacy. CIRANO, 2023. http://dx.doi.org/10.54932/wged7282.

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Few retirees use reverse mortgages. In this paper, we investigate how financial literacy and prior knowledge of the product influence take-up by conducting a stated-preference experiment. We exogenously manipulate characteristics of reverse mortgages to tease out how consumers value them and investigate differences by financial literacy and prior knowledge of reverse mortgages. We find that those with higher financial knowledge are more likely to know about reverse mortgages, not more likely to purchase them at any cost but are more sensitive to the interest rate and the insurance value of the
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Lusardi, Annamaria, Olivia Mitchell, and Vilsa Curto. Financial Literacy and Financial Sophistication Among Older Americans. National Bureau of Economic Research, 2009. http://dx.doi.org/10.3386/w15469.

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Gustman, Alan, Thomas Steinmeier, and Nahid Tabatabai. Financial Knowledge and Financial Literacy at the Household Level. National Bureau of Economic Research, 2010. http://dx.doi.org/10.3386/w16500.

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Behrman, Jere, Olivia Mitchell, Cindy Soo, and David Bravo. Financial Literacy, Schooling, and Wealth Accumulation. National Bureau of Economic Research, 2010. http://dx.doi.org/10.3386/w16452.

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van Rooij, Maarten, Annamaria Lusardi, and Rob Alessie. Financial Literacy and Stock Market Participation. National Bureau of Economic Research, 2007. http://dx.doi.org/10.3386/w13565.

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