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Financial literacy of university students

Rodrigues, Cristina S.; Vieira, Filipa Dionísio; Amaral, António Manuel Pereira da Silva; Martins, F. Vitorino
Fonte: Academic Publishing International Limited Reading Publicador: Academic Publishing International Limited Reading
Tipo: Artigo de Revista Científica
Publicado em /09/2012 ENG
Relevância na Pesquisa
55.88%
The current financial crisis highlights real problems profoundly related to the level of financial knowledge. Some studies suggest that many individuals, including small business owners, do not have adequate financial skills to be able to handle their finances. The term "financial literacy" summarizes the set of knowledge, skills and attitudes necessary to enable recognition and understanding of the foundations of personal finance. Informed and literate individuals are able to make responsible decisions. Our paper presents the preliminary results obtained with the Portuguese StudentFinance2012 survey. A total of 612 university students from seven different institutions agreed to participate and complete the survey. The sample has an average age of 23.67 years and is gender balanced. Students were classified in three course areas such as engineering, business and management, or design and tourism. Most respondents frequent a degree course, being the university mostly a public institution. A majority of our students has solely funded by their parents or family. By analyzing the total amount of financial products, we obtained an average of 2.57 financial products by student. To analyze financial literacy, our study developed measures such students’ financial involvement...

Unpacking the Causal Chain of Financial Literacy

Carpena, Fenella; Cole, Shawn; Shapiro, Jeremy; Zia, Bilal
Fonte: Banco Mundial Publicador: Banco Mundial
Relevância na Pesquisa
56.02%
A growing body of literature examines the causal impact of financial literacy on individual, household, and firm level outcomes. This paper unpacks the mechanism of impact by focusing on the first link in the causal chain. Specifically, it studies the experimental impact of financial literacy on three distinct dimensions of financial knowledge. The analysis finds that financial literacy does not immediately enable individuals to discern costs and rewards that require high numeracy skills, but it does significantly improve basic awareness of financial choices and attitudes toward financial decisions. Monetary incentives do not induce better performance, suggesting cognitive constraints rather than lack of attention are a key barrier to improving financial knowledge. These results illuminate the strengths and limitations of financial literacy training, which can inform the design and anticipated effects of such programs.

Financial Inclusion and Legal Discrimination Against Women : Evidence from Developing Countries

Demirguc-Kunt, Asli; Klapper, Leora; Singer, Dorothe
Fonte: World Bank, Washington, DC Publicador: World Bank, Washington, DC
EN_US
Relevância na Pesquisa
35.98%
This paper documents and analyzes gender differences in the use of financial services using individual-level data from 98 developing countries. The data, drawn from the Global Financial Inclusion (Global Findex) database, highlight the existence of significant gender gaps in ownership of accounts and usage of savings and credit products. Even after controlling for a host of individual characteristics including income, education, employment status, rural residency and age, gender remains significantly related to usage of financial services. This study also finds that legal discrimination against women and gender norms may explain some of the cross-country variation in access to finance for women. The analysis finds that in countries where women face legal restrictions in their ability to work, head a household, choose where to live, and receive inheritance, women are less likely to own an account, relative to men, as well as to save and borrow. The results also confirm that manifestations of gender norms, such as the level of violence against women and the incidence of early marriage for women...

Financial Capability in Mexico : Results from a National Survey on Financial Behaviors, Attitudes, and Knowledge

Reddy, Rekha; Bruhn, Miriam; Tan, Congyan
Fonte: World Bank, Washington, DC Publicador: World Bank, Washington, DC
EN_US
Relevância na Pesquisa
46.26%
This report describes a baseline measure of the financial capability of the Mexican adult population. Chapter one describes the Mexican context and the rationale for the financial capability study. Chapter two describes key findings related to daily money management and financial planning behaviors and attitudes. Chapter three examines decisions related to the use of financial products and level of financial knowledge. Chapter four summarizes key behaviors and attitudes into financial capability scores, facilitating the creation of profiles and comparisons among different segments of the population. Chapter five presents international comparisons. Chapter six examines the relationship between financial capability, financial knowledge, and financial inclusion. Chapter seven provides policy recommendations related to the key challenges to financial capability identified in the report.

Columbia Country Opinion Survey Report (July 2013 - June 2014)

World Bank Group
Fonte: Washington, DC Publicador: Washington, DC
EN_US
Relevância na Pesquisa
35.91%
The Country Opinion Survey for FY2013 in Colombia assists the World Bank Group (WBG) in gaining a better understanding of how stakeholders in Colombia perceive the WBG. It provides the WBG with systematic feedback from national and local governments, multilateral/bilateral agencies, media, academia, the private sector, and civil society in Colombia on 1) their views regarding the general environment in Colombia; 2) their overall attitudes toward the WBG in Colombia; 3) overall impressions of the WBG s effectiveness and results, knowledge work and activities, and communication and information sharing in Colombia; and 4) their perceptions of the WBG s future role in Colombia.

Paraguay Country Opinion Survey Report (July 2013 - June 2014)

World Bank Group
Fonte: Washington, DC Publicador: Washington, DC
EN_US
Relevância na Pesquisa
35.93%
The Country Opinion Survey for FY2013 in Paraguay assists the World Bank Group (WBG) in gaining a better understanding of how stakeholders in Paraguay perceive the WBG. It provides the WBG with systematic feedback from national and local governments, multilateral/bilateral agencies, media, academia, the private sector, and civil society in Paraguay on 1) their views regarding the general environment in Paraguay; 2) their overall attitudes toward the WBG in Paraguay; 3) overall impressions of the WBG s effectiveness and results, knowledge work and activities, and communication and information sharing in Paraguay; and 4) their perceptions of the WBG s future role in Paraguay.

Peru

World Bank Group
Fonte: World Bank, Washington, DC Publicador: World Bank, Washington, DC
Tipo: Relatório
EN_US
Relevância na Pesquisa
35.93%
The Country Opinion Survey in Peru assists the World Bank Group (WBG) in gaining a better understanding of how stakeholders in Peru perceive the WBG. It provides the WBG with systematic feedback from national and local governments, multilateral/bilateral agencies, media, academia, the private sector, and civil society in Peru on 1) their views regarding the general environment in Peru; 2) their overall attitudes toward the WBG in Peru; 3) overall impressions of the WBG’s effectiveness and results, knowledge work and activities, and communication and information sharing in Peru; and 4) their perceptions of the WBG’s future role in Peru.

Ukraine

World Bank Group
Fonte: World Bank, Washington, DC Publicador: World Bank, Washington, DC
Tipo: Relatório
EN_US
Relevância na Pesquisa
45.89%
The Country Opinion Survey in Ukraine assists the World Bank Group (WBG) in gaining a better understanding of how stakeholders in Ukraine perceive the WBG. It provides the WBG with systematic feedback from national and local governments, multilateral/bilateral agencies, media, academia, the private sector, and civil society in Ukraine on 1) their views regarding the general environment in Ukraine; 2) their overall attitudes toward the WBG in Ukraine; 3) overall impressions of the WBG’s effectiveness and results, knowledge work and activities, and communication and information sharing in Ukraine; and 4) their perceptions of the WBG’s future role in Ukraine.

Tanzania

World Bank Group
Fonte: World Bank, Washington, DC Publicador: World Bank, Washington, DC
Tipo: Relatório
EN_US
Relevância na Pesquisa
35.93%
The Country Opinion Survey in Tanzania assists the World Bank Group (WBG) in gaining a better understanding of how stakeholders in Tanzania perceive the WBG. It provides the WBG with systematic feedback from national and local governments, multilateral/bilateral agencies, media, academia, the private sector, and civil society in Tanzania on 1) their views regarding the general environment in Tanzania; 2) their overall attitudes toward the WBG in Tanzania; 3) overall impressions of the WBG’s effectiveness and results, knowledge work and activities, and communication and information sharing in Tanzania; and 4) their perceptions of the WBG’s future role in Tanzania.

Ghana

World Bank Group
Fonte: World Bank, Washington, DC Publicador: World Bank, Washington, DC
Tipo: Relatório
EN_US
Relevância na Pesquisa
36.01%
The Country Opinion Survey in Ghana assists the World Bank Group (WBG) in gaining a better understanding of how stakeholders in Ghana perceive the WBG. It provides the WBG with systematic feedback from national and local governments, multilateral/bilateral agencies, media, academia, the private sector, and civil society in Ghana on 1) their views regarding the general environment in Ghana; 2) their overall attitudes toward the WBG in Ghana; 3) overall impressions of the WBG’s effectiveness and results, knowledge work and activities, and communication and information sharing in Ghana; and 4) their perceptions of the WBG’s future role in Ghana.

Uruguay

World Bank Group
Fonte: World Bank, Washington, DC Publicador: World Bank, Washington, DC
Tipo: Relatório
EN_US
Relevância na Pesquisa
45.89%
The Country Opinion Survey in Uruguay assists the World Bank Group (WBG) in gaining a better understanding of how stakeholders in Uruguay perceive the WBG. It provides the WBG with systematic feedback from national and local governments, multilateral/bilateral agencies, media, academia, the private sector, and civil society in Uruguay on 1) their views regarding the general environment in Uruguay; 2) their overall attitudes toward the WBG in Uruguay; 3) overall impressions of the WBG’s effectiveness and results, knowledge work and activities, and communication and information sharing in Uruguay; and 4) their perceptions of the WBG’s future role in Uruguay.

Women Managers and the Gender-Based Gap in Access to Education

Amin, Mohammad; Islam, Asif
Fonte: World Bank, Washington, DC Publicador: World Bank, Washington, DC
Tipo: Trabalho em Andamento
EN_US
Relevância na Pesquisa
35.97%
Several studies explore the differences in men’s and women’s labor market participation rates and wages. Some of these differences have been linked to gender disparities in education attainment and access. The present paper contributes to this literature by analyzing the relationship between the proclivity of a firm to have a female top manager and access to education among women relative to men in the country. The paper combines the literature on women’s careers in management, which has mostly focused on developed countries, with the development literature that has emphasized the importance of access to education. Using firm-level data for 73 developing countries, the analysis finds strong evidence that countries with a higher proportion of female top managers also have higher enrollment rates for women relative to men in primary, secondary, and tertiary education.

Enabling Environment Assessment and Baseline for Scaling Up Handwashing Programs : Peru

Favin, Michael; Alfaro, Doris
Fonte: World Bank, Washington, DC Publicador: World Bank, Washington, DC
Tipo: Publications & Research :: Working Paper; Publications & Research
ENGLISH; EN_US
Relevância na Pesquisa
35.92%
To follow up country work supported by the Public-Private Partnership for Handwashing, the World Bank Water and Sanitation Program (WSP) received funding from the Bill and Melinda Gates Foundation to support projects to scale up the promotion of handwashing with soap (HWWS) in Peru, Senegal, Tanzania, and Vietnam. The major project objectives of the handwashing Initiative are: (i) inculcate the HWWS habit among millions of mothers and children in these countries; (ii) use a strong monitoring and evaluation (M&E) component to enhance the conceptualizing and management of such programs; and (iii) establish sustainable programs that will continue and expand after this four-year grant ends. Evaluation of actual impact on knowledge, attitudes, and practice regarding HWWS shows some positive and some inconclusive findings. However, the study team feels that much excellent groundwork for the expanded program in Peru has been solidly laid by efforts to date and that, in combination with strong political will from the national government and a certain level of guaranteed funding...

Enhancing Financial Capability and Inclusion in Mozambique : A Demand-Side Assessment

World Bank
Fonte: Washington, DC Publicador: Washington, DC
Tipo: Publications & Research :: Working Paper; Publications & Research
ENGLISH; EN_US
Relevância na Pesquisa
56%
The key findings and recommendations presented in this report cover 4 main areas: financial inclusion, financial capability, relationship between financial inclusion and capability, and financial consumer protection. The remaining chapters are structured as follows. Chapter one explores the financial inclusion landscape in Mozambique. Chapter two gives an overview of Mozambicans' levels of financial capability, in particular about their financial knowledge, attitudes and behaviors. The relationship between financial capability and inclusion is discussed in chapter three. The last chapter investigates if the products which financially included individuals use are effectively meeting their needs.

Can You Help Someone Become Financially Capable? A Meta-Analysis of the Literature

Miller, Margaret; Reichelstein, Julia; Salas, Christian; Zia, Bilal
Fonte: World Bank, Washington, DC Publicador: World Bank, Washington, DC
Tipo: Publications & Research :: Policy Research Working Paper; Publications & Research
ENGLISH; EN_US
Relevância na Pesquisa
56.18%
This paper presents a systematic and comprehensive meta-analysis of the literature on financial education interventions. The analysis focuses on financial education studies designed to strengthen the financial knowledge and behaviors of consumers. The analysis identifies 188 papers and articles that present impact results of interventions designed to increase consumers' financial knowledge (financial literacy) or skills, attitudes, and behaviors (financial capability). These papers are diverse across a number of dimensions, including objectives of the program intervention, expected outcomes, intensity and duration of the intervention, delivery channel used, and type of population targeted. However, there are a few key outcome indicators where a subset of papers are comparable, including those that address savings behavior, defaults on loans, and financial skills, such as record keeping. The results from the meta analysis indicate that financial literacy and capability interventions can have a positive impact in some areas (increasing savings and promoting financial skills such as record keeping) but not in others (credit default).

Madagascar - Post Primary Education : Developing the Workforce, Shaping the Future - Transformation of Madagascar's Post-Basic Education

World Bank
Fonte: Washington, DC Publicador: Washington, DC
Tipo: Economic & Sector Work :: Education Sector Review; Economic & Sector Work
ENGLISH
Relevância na Pesquisa
46.02%
The main purpose of this report is to provide analytical inputs for the development of post-basic education reforms. Specifically, the report identifies and prioritizes: (i) the need for change in the structure, content and delivery of Madagascar's post-basic education and training system, and (ii) the key reforms in financing, governance and sub-sector management required to support changes to the structure, content and delivery of the post-basic system. The Madagascar Action Plan (MAP) outlines an ambitious development strategy, focusing on promoting investment in high growth sectors and regional development. If successful, it will change the demand for skills in fundamental ways. Since 2005, foreign direct investment has increased rapidly. Madagascar's core challenges and the window of opportunity provided by the implementation of basic education reform imply that reform must improve the quality and relevance of post-basic education, while putting cost-effective mechanisms for expanding access in place. Post-basic reform should not focus exclusively on a massive expansion of the existing post-basic system. Instead...

Enhancing Financial Capability and Inclusion in Mozambique : A Demand-Side Assessment; Fortalecendo a Capacidade e a Inclusão Financeira em Moçambique : Avaliação ao Lado da Demanda

World Bank Group
Fonte: Washington, DC Publicador: Washington, DC
Tipo: Publications & Research; Publications & Research :: Working Paper
ENGLISH; EN_US
Relevância na Pesquisa
46%
The key findings and recommendations presented in this report cover 4 main areas: financial inclusion, financial capability, relationship between financial inclusion and capability, and financial consumer protection. The remaining chapters are structured as follows. Chapter one explores the financial inclusion landscape in Mozambique. Chapter two gives an overview of Mozambicans' levels of financial capability, in particular about their financial knowledge, attitudes and behaviors. The relationship between financial capability and inclusion is discussed in chapter three. The last chapter investigates if the products which financially included individuals use are effectively meeting their needs.

The Impact of High School Financial Education : Experimental Evidence from Brazil

Bruhn, Miriam; de Souza Leao, Luciana; Legovini, Arianna; Marchetti, Rogelio; Zia, Bilal
Fonte: World Bank, Washington, DC Publicador: World Bank, Washington, DC
Tipo: Publications & Research :: Policy Research Working Paper; Publications & Research
ENGLISH; EN_US
Relevância na Pesquisa
66.07%
This paper studies the impact of a comprehensive financial education program spanning six states, 868 schools, and approximately 20,000 high school students in Brazil through a randomized control trial. The program increased student financial knowledge by a quarter of a standard deviation and led to a 1.4 percentage point increase in saving for purchases, better likelihood of financial planning, and greater participation in household financial decisions by students. "Trickle-up" impacts on parents were also significant, with improvements in parent financial knowledge, savings, and spending behavior. The study also finds evidence that the program affected students' inter-temporal preferences and attitudes.

La réforme de l'université au Maroc vue par les acteurs universitaires : une étude de cas de l'Université Maohammed V, Rabat-Salé

Gougou, Mohammed
Fonte: Université de Montréal Publicador: Université de Montréal
Tipo: Thèse ou Mémoire numérique / Electronic Thesis or Dissertation
FR
Relevância na Pesquisa
35.98%
Cette étude est consacrée à l’université publique marocaine. Elle se situe dans le champ de l’enseignement supérieur public. Les chercheurs du secteur universitaire au Maroc qualifient la gestion de l’enseignement supérieur de centralisée, bureaucratisée, rigide et incapable de trouver des réponses efficaces à la société. L’université publique marocaine vit une crise : elle a fait l’objet de nombreux critiques sur la nature des services universitaires. Sur le plan académique, elle est inappropriée pour faire face à la demande sociale en matière de l’enseignement universitaire. Sur le plan interne, elle est inadaptée à cause de dysfonctionnement pédagogie, organisationnel et administratif. L’université publique n’a pas été apte à s’adapter au secteur privé en créant des débouchés viables pour ses diplômés. Devant la gravité de la situation de l’enseignement supérieur public marocain, une Commission Royale Spéciale a été créée, dont le mandat était de trouver une meilleure façon de rationaliser le système universitaire. C’est ainsi qu’en 1999, la Commission a établi une Charte nationale de l’éducation et de la formation. Les premiers éléments de la nouvelle réforme ont été mis en application dès la rentrée universitaire 2003-2004. Cette nouvelle réforme est perçue comme un moyen d’améliorer le fonctionnement des établissements universitaires publics. Son objectif principal est de réformer d’une manière globale le système universitaire public. Dans les recherches qui se sont intéressées à la réforme de l’université publique marocaine...

Concepções e Atitudes em Relação à Disciplina de Administração Financeira; Concepts amd Attitudes Regarding Financial Management Discipline

Gomes, Anna Cecília Chaves; Nogueira, Cinthya Muyrielle da Silva; Mol, Anderson Luiz Rezende
Fonte: Universidade de São Paulo. Faculdade de Economia, Administração e Contabilidade Publicador: Universidade de São Paulo. Faculdade de Economia, Administração e Contabilidade
Tipo: info:eu-repo/semantics/article; info:eu-repo/semantics/publishedVersion; ; ; ; ; ; Formato: application/pdf
Publicado em 26/06/2013 POR
Relevância na Pesquisa
46.14%
Dentre os conhecimentos necessários para a gestão, destaca-se um amplo conhecimento financeiro. Entretanto, o aluno do curso de Administração apresenta dificuldades na aprendizagem de disciplinas quantitativas como Finanças. Este trabalho objetivou estudar as concepções e atitudes de alunos do curso de graduação em Administração em relação à disciplina de Administração Financeira a partir de uma escala de atitudes que contempla a dimensão afetiva do indivíduo. Para tanto, um questionário estruturado foi aplicado a 937 alunos. A análise quantitativa dos dados foi realizada com o auxílio do SPSS, por meio de estatística descritiva, análise de correlação de Pearson e de regressão. Os resultados mostraram que a média da pontuação na escala de atitude foi de 52,3, com desvio-padrão de 11,5. Comprovou-se ainda que os alunos com atitude mais positiva com relação à Administração Financeira são aqueles que têm interesse pela área financeira e o compromisso de estudar Finanças diariamente. Já os principais motivos de os alunos possuírem atitudes desfavoráveis com relação a Finanças estão ligados à autopercepção de desempenho e de aprendizado, despreparo para cursar disciplinas de Finanças e más experiências passadas com disciplinas que envolvem Finanças. Além disso...