Financial Literacy of the Population:demographic Features and Opportunities for Improve(in the Case Study of Vologda Region)

Belekhova, Galina; Kalachikova, Ol'ga

doi:10.17072/1994-9960-2019-2-313-331

Вест. ПГУ. Эконом.

2019

DOI: 10.17072/1994-9960-2019-2-313-331

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Financial Literacy of the Population:demographic Features and Opportunities for Improve(in the Case Study of Vologda Region)

Galina Belekhova¹,

Ol'ga Kalachikova²

Abstract: Вологодский научный центр Российской академии наук (160014, Россия, г. Вологда, ул. Горького, 56а) Представлены результаты анализа финансовой грамотности в группах населения с различающимися демографическими характеристиками (семейный статус, возраст, наличие детей). Обращение к данной тематике актуализируется, с одной стороны, повышением гибкости семейных структур и, соответственно, многовариантностью жизненных сценариев, а, с другой-расширением личной ответственности населения за грамотное управление денежны… Show more

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Improving Financial Literacy of Students: Specificity and Opportunities of Regional Higher Education Institutions

Reznik,

Sazykina,

Chernikovskaya

2023

IntegrEdu

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Introduction. Despite the significant measures and programs implemented by the countryʼs leadership to improve the financial literacy of the Russian population, students of Russian universities are still not financially literate enough. In this regard, it is necessary to develop and implement a set of intra-university educational practice-oriented technologies that can improve financial literacy and economic independence of students during the period of university education. The purpose of the article is to show the features and opportunities of regional universities of the country in solving the problem of improving financial literacy of student youth. Materials and Methods. The study of the problem of formation of financial literacy of student youth during university education was conducted on the basis of a questionnaire survey of 565 students from 29 universities of the Russian Federation in May‒June 2022 using a specially designed questionnaire via Google Forms. The results of the questionnaire survey were processed using the SPSS program and the method of comparative analysis of responses of students of leading (federal, national research, metropolitan) and regional Russian universities, which made it possible to identify and analyze the peculiarities of studentsʼ financial literacy formation depending on the status of their higher education institution Results. Self-assessment of students of regional universities of their financial literacy showed its low level, indicating the insufficiency or lack of serious knowledge in the financial sphere. At the same time, students understand the importance of financial literacy and indicate their willingness to participate in various forms of training on this issue. To implement the educational process aimed at intensive formation of studentsʼ financial literacy, the system of continuous practice-oriented formation of financial literacy is proposed. Discussion and Conclusion. The materials of the article can be useful in the organization of educational process in universities to improve financial literacy of students. In the future, the study will be supplemented by analyzing the formation of studentsʼ financial literacy at different stages of education on the basis of taking into account the influence of age, year of study and other factors.

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Improving Financial Literacy of Students: Specificity and Opportunities of Regional Higher Education Institutions

Reznik,

Sazykina,

Chernikovskaya

2023

IntegrEdu

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Improving Financial Literacy of the Population: The Yugra Case

Moiseeva

Дулина

Porshunova³

2020

TSU Herald. Soc Econ Law Res

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In the context of the implementation of the “Strategy for improving financial literacy in the Russian Federation for 2017-2023”, the study of the working experience of a separate and significant region is relevant and potentially useful for practical purposes. The presented study identifies promising practices in the work aimed at changing the level of financial literacy of the population on the example of the Khanty-Mansi Autonomous Area — Yugra. The scientific novelty of the presented work consists of: 1) the author’s approach to understanding financial literacy as social skills acquired during the financial socialization of a person; 2) the use of Yugra’s material as an informational database; 3) a critical analysis of the classification groups used in the implementation of these programs; 4) the assessment of the prospects of the organization of work on increase of financial literacy of the population through the involvement of cultural institutions (museums, libraries, houses of culture) and ways of thinking about financial culture through Museum projects. The authors employ traditional methods at the intersection of economics and sociology, involving an analysis of regulatory documents and a secondary analysis of the data from the All-Russian sociological study. The use of this methodology allowed demonstrating the existing bias in the regulation of financial behavior of Russians in favor of educational programs. With this method of organizing work, valuable results of sociological research and initiatives of other stakeholders, such as cultural organizations, remain outside the framework. The results show that the use of standard classifications of socio-demographic groups in organizing the work of financial literacy of the population at the level of an individual subject can lead to the “loss” of important social groups for the region. For the Yugra, such a group is representatives of the indigenous small-numbered peoples of the North. The recommendations of the study can be used to revise programs to improve financial literacy on the territory of the Khanty-Mansi Autonomous Area and other regions, traditionally inhabited by indigenous small-numbered peoples of the North.

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Financial Literacy of the Population:demographic Features and Opportunities for Improve(in the Case Study of Vologda Region)

Cited by 2 publications

References 1 publication

Improving Financial Literacy of Students: Specificity and Opportunities of Regional Higher Education Institutions

Improving Financial Literacy of Students: Specificity and Opportunities of Regional Higher Education Institutions

Improving Financial Literacy of the Population: The Yugra Case

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