Evaluating the effectiveness of an online module for increasing financial literacy

2017 ◽  
Vol 12 (2) ◽  
pp. 154-167 ◽  
Author(s):  
Scott Wolla
Keyword(s):  
Online Learning ◽  
High School Students ◽  
Learning Strategies ◽  
Financial Literacy ◽  
Age Groups ◽  
Financial Knowledge ◽  
School Level ◽  
School Students ◽  
Content Type ◽  
Level Data

Purpose Financial literacy is lacking across all age groups, but less than one-third of young adults have even basic financial knowledge. Research has demonstrated that online learning is effective. As such, online learning strategies may be a useful tool for improving the financial literacy of high school students. The paper aims to discuss this issue. Design/methodology/approach This study uses student-level (N=3,061) and school-level data (n=100) to examine the effectiveness of Soar to Savings, an online learning module that teaches key personal finance and economics concepts. Findings The findings show large, positive, and statistically significant gains in learning from pretest to posttest for the student-level and school-level samples. Originality/value The results provide evidence that Soar to Savings is an effective tool for increasing financial knowledge.

scholarly journals Financial Literacy: Examining The Knowledge Transfer Of Personal Finance From High School To College To Adulthood

2011 ◽  
Vol 4 (1) ◽  
Author(s):  
Dan Yates ◽  
Chris Ward
Keyword(s):  
High School ◽  
High School Students ◽  
Knowledge Transfer ◽  
Financial Literacy ◽  
Personal Finance ◽  
Financial Knowledge ◽  
School Level ◽  
College Level ◽  
School Students ◽  
Adult Level

Many states are now requiring high school students to be competent in the areas of economic and financial literacy.  This is due to the recent escalation of bankruptcies, large credit card debt, and mortgage foreclosures in our society.  This study examines how financial knowledge is transferred from the high school level to the college level and finally to the adult level.  The authors reviewed the components of Blooms taxonomy at each level of learning.  The Jump$tart Survey, which is given to high school students, was evaluated.  College curricula regarding personal finance courses were examined to determine if personal finance was required for graduation, or an option for general education credit, and whether it was required in a major.  The final financial knowledge transfer can happen at the adult level through community programs.  Breakdowns in the transfer of financial learning were noted through the progression from high school to adulthood.  (Keywords: personal finance, financial literacy, high school students, college students, adult learning)

scholarly journals An Investigating Students’ Perception on Asynchronous Online Language Learning during COVID-19 Pandemic: An Exploratory Study

2021 ◽  
Vol 8 (2) ◽  
pp. 291-302
Author(s):  
Zakie Mahri Prasojo ◽  
Mansyur Srisudarso
Keyword(s):  
Online Learning ◽  
High School Students ◽  
Language Learning ◽  
Learning Strategies ◽  
Exploratory Research ◽  
Vocational High School ◽  
School Students ◽  
Asynchronous Online Learning ◽  
The Subject ◽  
Rich Data

The aims of this study are to investigate the perceptions of two vocational high school students majoring Animation and Accounting about asynchronous online learning during pandemic and how they overcome the challenges faced. This study used qualitative exploratory research design by conducting observation, interview and documentation to get rich data of the subject under focus. Moreover, the researcher used thematic analysis to analyse the data collected by following six steps proposed by Braun et al. (2019). The findings showed that asynchronous online learning strategies seemed to not fit the participants. The students more preferred learning that is conducted synchronously which for some students is perceived as a burden as they have to deal with the problem of internet data. Other findings also indicated that students who still had problem with material given were likely to have discussion with other students as an effort to overcome one of the challenges faced.

Financial Literacy

2017 ◽  
pp. 80-106
Author(s):  
Adriana Berenice Valencia Álvarez ◽  
Jaime Ricardo Valenzuela González
Keyword(s):  
High School ◽  
Middle School ◽  
High School Students ◽  
Financial Literacy ◽  
Conceptual Knowledge ◽  
Self Report ◽  
Financial Knowledge ◽  
Financial Behavior ◽  
School Students ◽  
Public And Private

Financial literacy is a combination of financial knowledge, attitudes and behaviors, key for making informed decisions and for solving financial problems. This descriptive study explored the applied, conceptual and procedural financial knowledge of 243 Mexican students via three financial knowledge tests. In addition, these students were surveyed about their financial behavior, their attitudes towards money, and their experience with money using a self-report questionnaire. The study aims to identify financial-education needs and gaps between school levels and systems. Therefore, the analysis focuses on the differences and similarities between two subgroups: (1) students in public and in private education, and between (2) middle school (ages 12 to 15) and high school students (ages 15 to 18). Middle school and high school students differed significantly only in their conceptual knowledge and in their financial experience, while public and private students showed statistical significant differences on their financial knowledge, behavior, attitudes and experience.

Financial literacy programs and youth entrepreneurial attitudes: some insights from the Jordanian community

2020 ◽  
Vol 14 (5) ◽  
pp. 787-810
Author(s):  
Nour Walid Aljaouni ◽  
Baker Alserhan ◽  
Kimberly Gleason ◽  
Jusuf Zeqiri
Keyword(s):  
High School ◽  
High School Students ◽  
Financial Literacy ◽  
Literacy Program ◽  
School Students ◽  
Content Type ◽  
Entrepreneurial Attitudes ◽  
Students Attitudes ◽  
K 12 ◽  
The Impact

Purpose The purpose of this paper is to explore the impact of a financial literacy program (FLP) recently implemented in Jordanian junior high and high schools as part of a national financial literacy agenda on students’ attitudes toward entrepreneurship relative to a control sample of students who had not yet participated in the FLP. This paper also examines the role of moderating variables, including students’ perception of teachers’ attitudes (TA) on students’ entrepreneurial attitudes. Design/methodology/approach Survey methodology was used to obtain data and hierarchical regression analysis was used to test hypotheses. Findings Results indicate that students who completed the FLP exhibited significantly higher entrepreneurial awareness than those that had not yet participated in the program. Students who took the entrepreneurship module of the FLP exhibited significantly lower entrepreneurial intention than those that had not yet taken the entrepreneurship module. However, TA did not impact students’ attitudes. Research limitations/implications The study examines a sample of middle and high school students in only one district in Amman, Jordan, and cannot be generalized to other communities where the FLP has been implemented. Practical implications The findings provide valuable insights for educators, policymakers and non-governmental organizations considering large scale, publicly funded FLPs as part of the K-12 educational system. Social implications Stakeholders should consider reforms to the implementation of entrepreneurship education as part of the FLP in Jordanian schools and other developing country K-12 programs. Originality/value This study is the first to examine the new Jordanian literacy program and the impact it has on attitudes toward entrepreneurship of middle and high school students.

Gender, Parental Characteristics, and Financial Knowledge of High School Students: Evidence From Multicountry Data

2019 ◽  
Vol 30 (1) ◽  
pp. 97-109 ◽  
Author(s):  
Rebecca G. Chambers ◽  
Carlos J. Asarta ◽  
Elizabeth N. Farley-Ripple
Keyword(s):  
High School ◽  
High School Students ◽  
Gender Gap ◽  
Financial Literacy ◽  
International Student ◽  
Student Assessment ◽  
Financial Knowledge ◽  
Literacy Assessment ◽  
School Students ◽  
International Student Assessment

This study examines the gender gap in financial literacy by using the Financial Literacy Assessment from the OECD's Programme for International Student Assessment (PISA). The analysis focuses on the influence of parents on their children's understanding of financial concepts, utilizing multilevel modeling procedures to examine variance among students, within schools, and within countries. Based on data from 18 countries, results suggest that a gender gap in financial knowledge favoring male high school students is present and that parents may influence their children's financial knowledge.

scholarly journals Tourism Vocational High School Students' Online EFL Learning Experience during COVID-19 Pandemic

2021 ◽  
Vol 54 (3) ◽  
Author(s):  
Eka Prasetio ◽  
Joko Priyana
Keyword(s):  
High School ◽  
Online Learning ◽  
High School Students ◽  
Language Learning ◽  
Learning Strategies ◽  
Structured Interview ◽  
Vocational High School ◽  
Language Learning Strategies ◽  
School Students ◽  
Efl Learning

This study aimed to explore the tourism vocational high school (VHS) students' experience of EFL learning during the COVID-19 pandemic. A qualitative study was utilized to obtain 20 students' experience. The data were obtained from grades 10 and 11 students of tourism VHS in Yogyakarta. A semi-structured interview was conducted, and verbatim transcripts were analyzed using inductive and thematic analysis approaches. Three major themes were identified from the students' experiences, namely (a) how they conducted the EFL teaching and learning, (b) language learning strategies, and (c) perceptions of online EFL learning. It was found that students have made use of all available resources. This study suggests that students have used appropriate language learning strategies for online EFL learning, such as cognitive, metacognitive, resource management, and social strategies. Their perceptions toward EFL online learning were mainly positive. However, students still prefer face-to-face learning to online learning.

scholarly journals Financial Literacy: The Case of Poland

2020 ◽  
Vol 12 (2) ◽  
pp. 700 ◽  
Author(s):  
Beata Swiecka ◽  
Eser Yeşildağ ◽  
Ercan Özen ◽  
Simon Grima
Keyword(s):  
High School ◽  
High School Students ◽  
Young People ◽  
Financial Literacy ◽  
Financial Management ◽  
Financial Knowledge ◽  
Economic Indicators ◽  
School Students ◽  
High Level ◽  
National Economies

Financial literacy is a path to sustainability and has an important role in ensuring the financial sustainability of individuals, families, enterprises and national economies. The level of these economic indicators such as debt, payment discipline, savings and financial management all translate into prosperity or insolvency and bankruptcy and result partially from financial literacy. The higher the level of financial literacy, especially of young people, the more favourable the level of economic indicators, which translates into the economy and sustainable development. With this study we aim to determine the level of financial literacy of high school students in Poland and to determine whether financial literacy changes according to gender. The most important element that distinguishes our study from the others is that or study was carried out with a large sample of high school students with an average age of 15–16 years. In addition, the effect of gender on financial literacy at an early age was investigated, also comparing the wider themes to the so-called narrow themes. The results of the research demonstrated a good and partially very good, level of financial knowledge of the young people in Poland. 45.3% obtained an average level score and 43.8% achieved a high-level score in financial knowledge. This result shows that they can be rational in their financial decision making. However although, it is understood that gender makes a difference on financial behaviour and use of financial instruments, gender does not make any difference on the level of financial knowledge. Moreover, the financial literacy level of males is found to be higher than females.

Augmented reality (AR)-based sharia financial literacy system (AR-SFLS): a new approach to virtual sharia financial socialization for young learners

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Ratna Candra Sari ◽  
P.L. Rika Fatimah ◽  
Sariyatul Ilyana ◽  
Hardika Dwi Hermawan
Keyword(s):  
Elementary School ◽  
Augmented Reality ◽  
Learning Styles ◽  
Elementary School Students ◽  
Financial Literacy ◽  
Financial Knowledge ◽  
Financial Socialization ◽  
School Students ◽  
Content Type ◽  
Young Learners

Purpose This study aims to examine financial socialization based on augmented reality (AR) technology for elementary school students, which it is hoped will improve their sharia financial knowledge. Design/methodology/approach The experimental method with pre- and post-test and control groups was used to test the improvement in the young learners’ sharia financial knowledge. This study used AR for sharia financial socialization on elementary school students and focused on sharia’s basic concepts, which include earning money, balanced spending, borrowing, saving, investment, payment methods, financial technology and the concept of protection. Findings This study finds empirical evidence that the treatment group, who received sharia financial socialization via the AR media, increased their sharia financial knowledge to a greater extent than the control group did. Research limitations/implications This study provides encouraging evidence about the potential of sharia financial education for elementary school students using the appropriate learning strategies and media. The weakness in this study is that it was only carried out in one elementary school, with the children of middle- to upper-income parents. Further research should be undertaken at several schools with the children of parents with different income levels. Practical implications A shift in learning styles from verbal or visual to virtual encourages the use of AR-based learning media. Financial concepts can be abstract ones, and AR-based learning media is able to present intangible virtual elements so they become more concrete and tangible. Social implications The global COVID-19 pandemic has affected all aspects. One of the most severe and likely to be multiyear ahead is the financial aspect. Therefore, this research is expected to be a preparation for the younger generation as early as possible to strengthen social benefits in order to improve sharia financial literacy. Originality/value Research into the financial literacy, especially sharia financial literacy aimed at elementary school students, is still very limited. The teaching of financial literacy will be more effective if educators use the appropriate strategies and media. This study used financial socialization strategies and AR learning media that are aligned with the learning styles of young learners.

From high school to workplace: investigating the effects of soft skills on career engagement through the role of psychological capital in different age groups

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Farida Aryani ◽  
Hillman Wirawan ◽  
Abdul Saman ◽  
Sulaiman Samad ◽  
Muhammad Jufri
Keyword(s):  
High School ◽  
High School Students ◽  
University Students ◽  
Psychological Capital ◽  
Soft Skills ◽  
Age Groups ◽  
School Students ◽  
Content Type ◽  
Skill Mastery

PurposeThis study aims at investigating the indirect effect of soft skills on career engagement through the role of psychological capital (PsyCap) in different age groups. The social cognitive theory (SCT) and job demands-resource model (JD-R) were employed to explain the effect of perceived skill mastery on PsyCap and career engagement.Design/methodology/approachThe data were collected from 707 high school students, 150 university students and 165 employees using a three-wave data collection technique. This study measured soft skills, PsyCap and career engagement at different age groups (i.e. high school students, university students and employees). The data were analysed using a moderated-mediation technique.FindingsThe results showed that soft skills positively influenced PsyCap and eventually increased career engagement in all age groups. However, the effect was stronger for students (both in high school and university) than employees in the workplaces. Unlike most students, employees related soft skills to performance. Regardless of the effect on performance, students would be more likely than employees to perceive soft skill mastery as a source of efficacy.Research limitations/implicationsFirst, the education system should direct more attention to developing students' non-cognitive skills. Second, people should understand that their career advancement continues in the workplace context. Organizations can foster employees' soft skills by providing more opportunities to develop new skills.Originality/valueThis study sheds light on the importance of soft skills beyond academic and workplace performance. This study is among the few empirical investigations that reveal career engagement factors across different career development stages.

Towards developing a multi-aspectual framework for systematic evaluation of locally prepared ELT materials

2015 ◽  
Vol 14 (2) ◽  
pp. 164-186 ◽  
Author(s):  
Reza Biria ◽  
Abbas Mehrabi Boshrabadi
Keyword(s):  
High School ◽  
High School Students ◽  
Foreign Language ◽  
Senior High School ◽  
School Level ◽  
Systematic Evaluation ◽  
Teaching English ◽  
School Students ◽  
Content Type ◽  
English Textbooks

Purpose – This paper aims to develop a multi-aspectual framework for evaluating locally prepared English language teaching (ELT) materials used for Iranian senior high school students. Many practitioners of the field assert that the inappropriate development of ELT materials would leave an adverse effect on the potential value of the realistic ways which translate the educational beliefs on language learning into operational goals defined by local educational systems. Design/Methodology/Approach – Using a stratified sampling method, 120 high school students along with 60 ex-students attending Isfahan (Khorasgan) University as well as 30 English as a Foreign Language (EFL) teachers teaching English courses at high schools were selected. To measure the participants’ attitudes toward the pedagogical effectiveness of English textbooks (i.e. Right Path to English series), a 30-item questionnaire developed based on the comprehensive guidelines suggested by Nation and Macalister (2010) about materials development was used. To improve the credibility and dependability of respondents’ perceptions, a focused-group interview was further utilized as a source of triangulation. Findings – The findings revealed that the multi-aspectual framework is a comprehensive and valid model utilized for post-use materials evaluation. The results also depicted that the target textbooks published by the Iranian Ministry of Education did not satisfy the actual needs of students. Practical implications – The findings may offer certain benefits to teaching English as a foreign language (TEFL) teachers, policy makers and materials developers engaged in locally ELT material design. Originality/value – The present study used a comprehensive list of criteria dominating not only the curriculum development but also the principles governing the EFL classroom practices. Considering the principles as a litmus test for evaluation, the study used a principle-driven approach to evaluate the Iranian English textbooks used in senior high school level.

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