20.500.12556/DKUM-90362 Finančna pismenost dodiplomskih in podiplomskih študentov Ekonomsko-poslovne fakultete v Mariboru Financial literacy of undergraduate and postgraduate students of the Faculty of economics and business Maribor Finančna pismenost postaja vedno bolj zanimiv predmet raziskovanja, predvsem zaradi svojega vpliva na upravljanje osebnih financ. Obsega znanje in razumevanje finančnih konceptov in finančnih tveganj kot tudi veščine, motivacijo in samozavest za uporabo tega znanja pri finančnih odločitvah. V svetu le eden od treh odraslih razume osnovne finančne koncepte. Zelo pomembno je, da imajo mladostniki in mlajši otroci možnost, da si z denarjem, z upravljanjem denarja ter na splošno z delovanjem znotraj obstoječega finančnega sistema naberejo čim več konkretnih izkušenj. Le na tak način si bodo lahko izboljšali svojo finančno pismenost, kar jim bo olajšalo finančne odločitve in aktivno delovanje znotraj finančnega sistema v odraslosti. Posledice finančne nepismenosti so lahko škodljive, od tega, da se o tem ne poučujejo v šolah, do tega, da je vse večja potreba po finančnem izobraževanju kar starši ne morejo financirati. Finančno izobraževanje je v slovenskem izobraževalnem sistemu vključeno v različne šolske predmete. Pri pregledu šolskih sistemov v Evropi in svetu so v obveznem osnovnošolskem izobraževanju vsebine, ki obravnavajo finančno izobraževanje, vključene v predmet Home Economics ali po naše Gospodinjstvo. Pomen finančnega izobraževanja sicer narašča, vendar bo finančna ozaveščenost prebivalstva uspešna šele, ko bodo vsi spoznali, da so finančno premalo pismeni. Zaradi premalo finančnega izobraževanja v mladosti in premalo zavedanja o koristih stalnega finančnega izobraževanja lahko vodi do zmanjšanja finančnega znanja na delovnem mestu ter v drugih okoljih. Zato je pomembno, da zagotovimo zgodnje priložnosti za postavitev temeljev finančne pismenosti. OECD je vodilna organizacija na področju merjenja finančne pismenosti po vsem svetu, saj je razvila celovita orodja za odrasle in mlade. Za merjenje finančne pismenosti se uporablja zbirka orodij OECD/INFE za odrasle in mlade, katerega vprašalnik vsebuje naslednje elemente: finančno znanje, finančno vedenje in finančni odnos. Glavne ugotovitve so, da so moški bolj finančno pismeni kot ženske. Finančna pismenost se resnično razlikuje glede na demografske dejavnike, kot so starost, izobrazba, spol in dohodek. Finančne vsebine niso dovolj vključene v osnovnošolski in srednješolski izobraževalni program v Sloveniji. Financial literacy is becoming an increasingly interesting subject of research, mainly because of its influence on the management of personal finances. It includes knowledge and understanding of financial concepts and financial risks, as well as the skills, motivation and confidence to apply this knowledge to financial decisions. Globally, only one in three adults understand basic financial concepts. It is very important that adolescents and younger children have the opportunity to gain as much concrete experience as possible with money, with money management and in general with functioning within the existing financial system. Only in this way will they be able to improve their financial literacy, which will facilitate their financial decisions and active functioning within the financial system in adulthood. The consequences of financial illiteracy can be harmful, from not being taught about it in schools to the growing need for financial education thaz parents cannot finance. Financial education is included in various school subjects in the Slovenian education system. When reviewing the scool systems in Europe and the world, in the compulsory primary school education, the contents dealing with financial education are included in the subject Home Economics or according to our Household. The importance of financial education is growing, but the financial awareness of the population will only be successful when everyone realizes that they are not financially literate. Due to insufficient financial education at a young age and insufficient awareness of the benefits of continuous financial education, it can lead to a decrease in financial knowledge at the workplace and in other environments. Therefore, it is important to provide early opportunities to lay the foundations of financial literacy. The OECD is the leading organization in the field of measuring financial literacy worldwide, having developed comprehensive tools for adults and young people. To measure financial literacy, the OECD/INFE toolkit for adults and young people is used, the questionnaire of which contains the following elements: financial knowledge, financial behavior and financial attitude. The main findings are that men are more financially literate than women. Financial literacy does vary by demographic factors such as age, education, gender, and income. Financial content is not sufficiently included in the primary and secondary education program in Slovenia. finančna pismenost finančno izobraževanje šolski sistem finančno znanje metodologija merjenja finančne pismenosti financial literacy financial education school system financial knowledge financial literacy measurement methodology true true false Š. Ozmec Slovenski jezik Angleški jezik Diplomsko delo/naloga 2024-08-31 20:26:56 2024-10-15 12:35:31 2024-10-16 03:14:00 0000-00-00 00:00:00 2024 0 Maribor 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 336:37.011.22 211598595 VS_Ozmec_Spela_2024.pdf VS_Ozmec_Spela_2024.pdf 1 E034C0C655CC6D8A7C22A63CF6DDC949 5f60745aaf0bbedbb523cc6ce41cd602672a1278139008576c26bf62dffb6975 e81633bc-7726-11ef-9603-00155d000105 https://dk.um.si/Dokument.php?lang=slv&id=185549 Ekonomsko-poslovna fakulteta 0 0 0