Finančna pismenost in posledice pomanjkljive finanče pismenosti

Zapečnik, Klemen

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Title:	Finančna pismenost in posledice pomanjkljive finanče pismenosti
Authors:	ID Zapečnik, Klemen (Author) ID Markovič Hribernik, Tanja (Mentor) More about this mentor...
Files:	UN_Zapecnik_Klemen_2020.pdf (1,31 MB) MD5: 75BE2D73119C01CAAE7ACCD33D2F1E64 PID: 20.500.12556/dkum/538849fa-2ffa-4052-bd39-a518f904448a
Language:	Slovenian
Work type:	Diploma project paper
Typology:	2.11 - Undergraduate Thesis
Organization:	EPF - Faculty of Business and Economics
Abstract:	Finančna pismenost je sposobnost posameznikovega razumevanja in zmožnost uspešnega izkoriščanja raznih finančnih veščin in instrumentov, povezanih z osebnim finančnim upravljanjem. K finančni pismenosti sodi tudi zmožnost realnega in efektivnega oblikovanja osebnega proračuna, ter nalaganje denarja v naložbe za prihodnost. Naloga finančne pismenosti je, da prispeva k osebni finančni neodvisnosti in na podlagi znanja ter informiranosti pomaga posameznikom pri sprejemanju pravilnih finančnih odločitev. V diplomskem projektu posamezne sklope finančne pismenosti opredelimo z vidika njihovih značilnosti, ter kako vplivajo na dolgoročno finančno stanje posameznikov. Podrobneje analiziramo poročilo o finančni pismenosti odraslih, ki ga je pripravila Organizacija za gospodarsko sodelovanje in razvoj (OECD), proučimo pa tudi finančno pismenost v Sloveniji. V diplomskem projektu ugotavljamo, da ima svetovna populacija premalo osnovnega finančnega znanja, kar lahko vpliva ne samo na posameznikovo življenje, pač pa tudi na posamezno gospodarstvo. V delu analiziramo državne tudi programe izobraževanja na področju finančne pismenosti prebivalstva, prav tako pa proučimo tudi orodja, ki jih lahko posamezniki uporabijo v pomoč na poti do finančne neodvisnosti. Na koncu presojamo tudi posledice pomanjkljive finančne pismenosti.
Keywords:	finančna pismenost, osebni proračun, finančno znanje, metodologija merjenja finančne pismenosti
Place of publishing:	Maribor
Publisher:	[K. Zapečnik]
Year of publishing:	2020
PID:	20.500.12556/DKUM-77270
UDC:	336
COBISS.SI-ID:	38376451
NUK URN:	URN:SI:UM:DK:I6PRJ3EV
Publication date in DKUM:	19.11.2020
Views:	2071
Downloads:	358
Metadata:
Categories:	EPF
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Licences

License:	CC BY-NC-ND 4.0, Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International

Link:	http://creativecommons.org/licenses/by-nc-nd/4.0/
Description:	The most restrictive Creative Commons license. This only allows people to download and share the work for no commercial gain and for no other purposes.
Licensing start date:	24.08.2020

Secondary language

Language:	English
Title:	Financial literacy and consequences of insufficient financial literacy
Abstract:	Financial literacy is the ability of an individual to understand and the ability to successfully use a variety of financial skills and instruments related to personal financial management. Financial literacy also includes the ability to create a realistic and effective personal budget, and to invest money in investments for the future. The task of financial literacy is to contribute to personal financial independence and, based on knowledge and information, to help individuals make the right financial decisions. In the diploma project individual sets of financial literacy are defined in terms of their characteristics and how they affect the long-term financial condition of individuals. Based on the methodology for measuring financial literacy according to the Organization for Economic Co-operation and Development (OECD), we analyze in more detail the report on adult financial literacy prepared by the aforementioned organization. We also study financial literacy in Slovenia. In the diploma project, we find that the world's population has insufficient basic financial knowledge, which can affect not only an individual's life but also an individual economy. In the paper, we also analyze national education programs on the field of financial literacy of the population, as well as examine the tools that individuals can use to help on the path to financial independence. At the end, we also assess the consequences of lack of financial literacy.
Keywords:	financial literacy, personal budget, financial knowledge, mothodology of measuring financial literacy

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