Financial education level of high school students and its economic reflections

Silva, Tarcísio Pedro da; Magro, Cristian Baú Dal; Gorla, Marcello Christiano; Nakamura, Wilson Toshiro

doi:10.1016/j.rausp.2016.12.010

Cited by 31 publications

(34 citation statements)

References 46 publications

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“…OECD mengemukakan bahwa pendidikan keuangan adalah proses dimana konsumen (masyarakat, investor, akademisi, dan para ekonom) ingin meningkatkan pengetahuan, pemahaman, aplikasi, dan kemampuan analisis mereka terhadap produk atau konsep keuangan melalui informasi, instruksi dan/atau saran obyektif dalam mengembangkan keterampilan dan kepercayaan diri, sehingga menjadi lebih sadar akan risiko dan peluang keuangan, menentukan pilihan, mencari solusi, dan mengambil tindakan efektif lainnya untuk meningkatkan kesejahteraan finansial mereka (Berry, Karlan, & Pradhan, 2018;Meier & Sprenger, 2013; Pengaruh Self-Reliance dan Self-Efficacy terhadap Pendidikan Keuangan Mahasiswa Opletalová, 2015). Selain itu, pendidikan keuangan mempunyai peran untuk mencegah dan mengendalikan hutang, serta meningkatkan tabungan dan investasi (Giofré, 2017;Silva, Magro, Gorla, & Nakamura, 2017). Secara sederhana, pendidikan keuangan membantu meningkatkan pengetahuan individu tentang transaksi keuangan, memberi bekal untuk mengambil keputusan yang tepat (Collins, 2013;Silva et al, 2017).…”

Section: Pendahuluanunclassified

The Effect Of Self-Reliance And Self-Efficacy On Student's Financial Education

Anggresta

Stevani

Vhalery

et al. 2019

JIPE

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Educating oneself about financial education as recent investment is a necessity, so that there is a need to conduct a study to avoid the financial problems appeared. This study aims to investigate the students' financial education level based on self-reliance and self-efficacy aspects. There were 317 students of Indrapasta PGRI university involved in this study. The data were analyzed by using multiple regression preceded by classic assumption test. The result showed that those three hypotheses are accepted. The effect of self-reliance and self-efficacy is 30.1% and other factors which are not discussed in this study affect as 69.9 %.Keyword: self-reliance, self-efficacy, financial education

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Section: Pendahuluanunclassified

The Effect Of Self-Reliance And Self-Efficacy On Student's Financial Education

Anggresta

Stevani

Vhalery

et al. 2019

JIPE

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“…Berdasarkan penelitian yang dilakukan oleh Mien dan Thao (2015) yang dilakukan pada masyarakat Vietnam menyatakan bahwa sikap keuangan dan pengetahuan keuangan memiliki hubungan signifikan positif dengan perilaku manajemen keuangan. Silva, Magro, Gorla, & Nakamura (2017) menyebutkan juga menyebutkan bahwa "...the result indicate that there is an ffective financial education among young high school students, which can be noticed in finding such as : some of the young are not obliged to explain to parents where they spending their financial resources; students have acquired, largely, their financial knowledge with parents and relatives, and ini daytoday practices, but there is little dialog in the family on financial knowldge coming from the school is low, requiring an improvment in the quality of this knowledge at this stage or in the future, including undergraduate course".…”

Section: Studi Etnometodologi Atas Financial Management Behaviour Sebmentioning

confidence: 99%

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Puspasari¹,

Fauji²

2019

NUSAMBA

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This study aims to identify the behavior of student financial management so as to be able to find an effective financial management learning strategy for the second semester management study program students (2) Faculty of Economics, University of Nusantara PGRI Kediri. This research is a qualitative research with ethnometodology approach. Ethnometodology studies are deemed appropriate as a method for identifying Financial Management Behavior because ethnometodology is a secular methodology (inductive truth only becomes the truth of knowledge). This research was conducted by direct observation and in-depth interviews with the students of management department in Economics Faculty UNPGRI Kediri who were included in the criteria of the Informant. Informants were selected using the 5R criteria namely Relevance, Recommendation, Rapport, Readiness, Reassurance. While direct observation is done when students are in the campus environment, then interviews are conducted openly to reveal the meaning of financial management behavior. Almost all informants stated that their financial management attitude was not influenced by the results of the financial management learning process. This shows that the learning process has not been in accordance with the learning outcomes. Lecturers have an important role in the learning process during class. Every lecturer is not enough just to give lessons, but also tries to guide them to provide understanding so that what has been learned is able to be applied in daily life.

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“…antecedents, personal values) should also be evaluated, since these elements can also interfere in order to achieve the financial well-being that, for in turn, is linked to the success of life in general. Silva et al (2017) offer a vision that encompasses not only the level of financial education but also aggregates individual, demographic and socialization characteristics as determinants of the creation of financially conscious individuals. According to the authors, depending on the characteristics of the individuals, the economic and social risks contribute to the worsening of the financial well-being and, consequently, the quality of life.…”

Section: Introductionmentioning

confidence: 99%

Financial education at workplace

Oliveira

Santana

2019

Pensamento Contemporâneo em Administração

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The study seeks to explain the level of financial literacy of employees who participated in the company's financial education program, through socioeconomic and demographic variables. The sample is nonprobabilistic, composed of 112 employees of a financial institution in São Paulo. Data analysis was performed using descriptive, inferential and multivariate analysis techniques. To measure financial literacy, three constructs were used: behavior, attitude and knowledge. The minority (38%) was classified with low level of financial literacy. An additional effort is suggested for employees under the age of 30, incomplete higher education, less than three years of professional experience, operational area, income of less than R$ 4,000 and no habit to savings. The positive relationship between attitude and behavior suggests the development of activities that promote changes in attitude. Attention in math is required.

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Financial education level of high school students and its economic reflections

Cited by 31 publications

References 46 publications

The Effect Of Self-Reliance And Self-Efficacy On Student's Financial Education

The Effect Of Self-Reliance And Self-Efficacy On Student's Financial Education

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Financial education at workplace

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