Search results for "Financial literacy"
showing 4 items of 24 documents
School and family environments promote adolescents' financial confidence: Indirect paths to financial literacy skills in Finnish PISA 2018
2023
This study investigates the associations of adolescents’ financial socialization factors—financial education in school and families—with financial confidence (i.e., confidence in using financial and digital financial services). In addition, we examine how financial socialization factors indirectly relate to financial literacy skills through financial confidence and the role of demographic factors (adolescent gender, grade level, parental education, family wealth) on financial socialization, financial confidence, and financial literacy scores. We used data on the 4,328 Finnish 15-year-olds participating in the 2018 Programme for International Student Assessment (PISA). We measured financial …
Household Budget Management and Financial Behaviour of the Italian Family in Times of Crisis*
2023
Why are Italians at the bottom of international rankings on financial literacy? Why do they fail to make speculative financial choices and have a marked aptitude for precautionary saving? Using a Weberian perspective on household “budget management” [haushalt] and analysing the results of recent research (e.g. OECD, CONSOB and Bank of Italy), the authors argue that there are always “good reasons” and thus specific rationality that encourages people to save and reject financial speculation. This economic choice emanates from cognitive bias, financial socialisation, financial literacy, and environmental conditions. The hypothesis is that Italian households demonstrate a weaker attitude toward…
Latvijas patērētāju finanšu lietpratība mājokļu kredītu tirgū mārketinga kontekstā
2014
Promocijas darbs sastāv no ievada, trim nodaļām, secinājumiem un priekšlikumiem, izmantotās literatūras un informācijas avotu saraksta, pielikumiem. Promocijas darba mērķis ir novērtēt patērētāju finanšu lietpratību mājokļu kredītu tirgū un piedāvāt vienotu modeli finanšu lietpratības līmeņa paaugstināšanai sociālā un komercbanku mārketinga kontekstā. Pirmajā nodaļā analizēti patērētāju finanšu lietpratības teorētiskie aspekti, tostarp tās veidošanas process un vadīšanas iespējas. Nodaļā ir atklāta mārketinga nozīme finanšu lietpratības vadīšanā un piedāvāts transteorētiskais modelis patērētāju finanšu lietpratības paaugstināšanai. Otrajā nodaļā pētīta patērētāju finanšu lietpratības vadīša…
Voluntary Private Investments Role in Pension System in Latvia
2021
Pension systems have become one of the main priorities for the national governments. Developed countries population is getting older by putting the pressure on the state budgets and work age people tax load. The current pension system in Latvia performs according to regulation of state compulsory unfunded pension scheme since 1996 and regulation of the state funded or accumulated pension scheme since 2001. The third pension system pillar is private voluntary pension schemes realized in form of people contributions into pension funds and life insurance policies. Aim of the research – deeper analyses of voluntary private investments as the pension system part and its development challenges in…