Page 275 - Mitja Sardoč, Igor Ž. Žagar in Ana Mlekuž, ur. Raziskovanje v vzgoji in izobraževanju danes. Ljubljana: Pedagoški inštitut, 2017. Digitalna knjižnica, Dissertationes 31
P. 275
povzetki
z višjo stopnjo finančne pismenosti bolje upravljajo s svojim denarjem in na
ta način svoj položaj še izboljšujejo (Smyczek in Matysiewicz, 2015).
V prispevku preverjamo, kateri dejavniki vplivajo na finančno pismenost
15-letnikov, ki so bili vključeni v mednarodno raziskavo PISA. V podrob-
nejšo analizo smo poleg slovenskih mladostnikov vključili še flamske, ki so
med evropskimi mladostniki dosegli najvišje rezultate, ter italijanske mla-
dostnike, ki so dosegli najnižje rezultate. S pomočjo regresijske analize pre-
verjamo, kateri dejavniki (spol, ekonomski in socialni status, posedovanje
bančnega računa, bančne kartice, učenje upravljanja z denarjem itd.) na-
povedujejo stopnjo finančne pismenosti in ali se napovedniki med izbrani-
mi državami razlikujejo. V prispevku nas na koncu zanima tudi, na kak-
šen način lahko mladostnike opolnomočimo, da se bodo lahko v odraslosti
ustrezno odločali na finančnem področju.
Ključne besede: finančna pismenost, dejavniki finančne pismenosti, spol,
ekonomski in socialni status, izobraževanje na področju upravljanja z de-
narjem
Financial literacy factors among Slovenian 15-year-olds
included in PISA 2012
Nowadays, the economic situation is forcing individuals to make several
complex financial decisions. As a result individuals need a basic econom-
ic knowledge and understanding of the economic and financial institutions
operations for successful functioning. Financial literacy is understood as a
combination of awareness, knowledge, skills, attitudes and behaviors re-
quired for the suitable financial decision making in order to achieve fi-
nancial well-being (Atkinson and Messy, 2012). Unfortunately, research
shows that financial literacy is low, which in turn means that individuals
with low levels of financial literacy do not understand the financial ser-
vices available to them, and often make wrong decisions, which wors-
en their financial situation. And, of course, vice versa, individuals with
higher levels of financial literacy are better at managing their money and
improving their economic situation (Smyczek and Matysiewicz, 2015).
In this paper the factors influencing the level of financial literacy of fifteen
year-olds are explored. In addition to Slovenian data also Flemish (with
the highest financial literacy achievement) and Italian (with the lowest fi-
nancial literacy achievement) data are presented for a detailed comparison.
Furthermore, by using regression analysis, the article presents the factors
(gender, economic and social status, holding a bank account or pre-paid
debit card, learning money management, etc.) which predict the level of
275
z višjo stopnjo finančne pismenosti bolje upravljajo s svojim denarjem in na
ta način svoj položaj še izboljšujejo (Smyczek in Matysiewicz, 2015).
V prispevku preverjamo, kateri dejavniki vplivajo na finančno pismenost
15-letnikov, ki so bili vključeni v mednarodno raziskavo PISA. V podrob-
nejšo analizo smo poleg slovenskih mladostnikov vključili še flamske, ki so
med evropskimi mladostniki dosegli najvišje rezultate, ter italijanske mla-
dostnike, ki so dosegli najnižje rezultate. S pomočjo regresijske analize pre-
verjamo, kateri dejavniki (spol, ekonomski in socialni status, posedovanje
bančnega računa, bančne kartice, učenje upravljanja z denarjem itd.) na-
povedujejo stopnjo finančne pismenosti in ali se napovedniki med izbrani-
mi državami razlikujejo. V prispevku nas na koncu zanima tudi, na kak-
šen način lahko mladostnike opolnomočimo, da se bodo lahko v odraslosti
ustrezno odločali na finančnem področju.
Ključne besede: finančna pismenost, dejavniki finančne pismenosti, spol,
ekonomski in socialni status, izobraževanje na področju upravljanja z de-
narjem
Financial literacy factors among Slovenian 15-year-olds
included in PISA 2012
Nowadays, the economic situation is forcing individuals to make several
complex financial decisions. As a result individuals need a basic econom-
ic knowledge and understanding of the economic and financial institutions
operations for successful functioning. Financial literacy is understood as a
combination of awareness, knowledge, skills, attitudes and behaviors re-
quired for the suitable financial decision making in order to achieve fi-
nancial well-being (Atkinson and Messy, 2012). Unfortunately, research
shows that financial literacy is low, which in turn means that individuals
with low levels of financial literacy do not understand the financial ser-
vices available to them, and often make wrong decisions, which wors-
en their financial situation. And, of course, vice versa, individuals with
higher levels of financial literacy are better at managing their money and
improving their economic situation (Smyczek and Matysiewicz, 2015).
In this paper the factors influencing the level of financial literacy of fifteen
year-olds are explored. In addition to Slovenian data also Flemish (with
the highest financial literacy achievement) and Italian (with the lowest fi-
nancial literacy achievement) data are presented for a detailed comparison.
Furthermore, by using regression analysis, the article presents the factors
(gender, economic and social status, holding a bank account or pre-paid
debit card, learning money management, etc.) which predict the level of
275
