Financial Illiteracy and customer credit history

Santos, Danilo Braun; Netto, Humberto Gallucci

doi:10.7819/rbgn.v22i0.4058

Cited by 3 publications

(3 citation statements)

References 17 publications

(30 reference statements)

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“…The context in which each author considers the definition of FL is also highlighted. In most FL studies, the focus is on the knowledge and skills of individuals, working on strategies of individuals involved in small and medium-sized enterprises [51], the capitalization of bonds [52], and how individuals manage their pension fund portfolios [53]. The focus on the different FL dimensions helps to explain the low FL levels in the region [21,23,24,[37][38][39][40][41][42].…”

Section: Fl Definitions In Lac Studiesmentioning

confidence: 99%

“…The lower focus on FA can be explained by the difficulty of measuring the opinions and judgments of individuals regarding finances, creating a risk of generating biases in FL measurements. This is related to authors having to use a proxy to measure FL given the limitations of the data [52][53][54]. However, the FA dimension has the same relevance as the other two dimensions, as is demonstrated when comparing the different approaches of the definition of FL [2] and the relation between the three dimensions [36].…”

Section: Fl Definitions In Lac Studiesmentioning

confidence: 99%

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A Systematic Review of Financial Literacy Research in Latin America and The Caribbean

et al. 2022

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Several well-known studies have remarked on the low financial literacy (FL) levels in Latin America and the Caribbean (LAC), which represent a problem in an economic context of change and uncertainty. This fact gives us the opportunity to evaluate the current state of literature related to FL in the region. The main list of identified keywords allowed the PRISMA methodology to guide the systematic literature review and analysis procedure. During 2016–2022, the FL search yielded around 4500 FL manuscripts worldwide, but only 65 articles were related to the scope of our analysis (which involved looking at LAC countries). Being the first review from an LAC country about all LAC countries, the findings highlight a lack of FL research focus on regional needs, gender gaps affecting women, and conceptual frameworks used to develop efficient educational program interventions. Most studies in this review build on the OECD definition of FL, but the financial attitude dimension often seems to be omitted from the analyses. These findings open the discussion about efficient policy design concerning FL development in LAC.

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Section: Fl Definitions In Lac Studiesmentioning

confidence: 99%

Section: Fl Definitions In Lac Studiesmentioning

confidence: 99%

A Systematic Review of Financial Literacy Research in Latin America and The Caribbean

et al. 2022

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“…In other works, there are emphasized problems of non-cash payment development, restriction of the population access to the Internet and financial illiteracy (Braun & Netto, 2020;Fouillet et al, 2021). These issues are solved at the government level: introduction of programs that increase financial literacy among population, as this leads to a more aware choice of quality financial services and frequent usage of fintech programs for online payment.…”

Section: Literature Reviewmentioning

confidence: 99%

Impact of financial technologies on economic development: Theories, methods and analysis

Kireyeva¹,

Kredina²,

Vasa³

et al. 2021

Journal of International Studies

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This research focuses on an analytical review of the scientific literature to select appropriate methods and evaluate the impact of financial technologies on economic growth. Since non-cash payments can be affected by various factors, there is a great variety of studies relating to them in the scientific literature. However, existing scientific papers reflecting on the economic growth and noncash payments do not determine the cause-effect relationship trends in different periods. Current study intends to fill this gap. Using an original method based on correlation analysis, the relationship of indicators in different periods is calculated with the use of the SPSS software. The data is collected for period of 2004-2019, during which the reviewed countries were actively developing and increasing their financial and technological capacities. Analysis results largely indicate an increase in the number of bank branches in many of the reviewed countries. Further, we

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Does Intellectual Capital Affect Financial Performance and Non-Performing Loans? Evidence From the Banking Sector in Turkey

PİLATİN,

AYAYDIN,

BARUT

2023

BDDK Bankacılık Ve Finansal Piyasalar Dergisi

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The purpose of this study is to empirically examine the impact of intellectual capital (VAIC) capacity of 21 Turkish banks on financial performance (ROA) and non-performing loans (NPL) from 2004 to 2020. Panel data technique was used for analysis. The study results suggest that banks’ intellectual capital is vital for their profitability, credit risk and competitive advantage. As far as known, this is one of the first empirical researches in Turkey that examines the impact of IC and its components on financial performance and non-performing loans of the Turkish banking sector in the long term.

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Financial Illiteracy and customer credit history

Cited by 3 publications

References 17 publications

A Systematic Review of Financial Literacy Research in Latin America and The Caribbean

A Systematic Review of Financial Literacy Research in Latin America and The Caribbean

Impact of financial technologies on economic development: Theories, methods and analysis

Does Intellectual Capital Affect Financial Performance and Non-Performing Loans? Evidence From the Banking Sector in Turkey

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