scholarly journals The Impact of Financial Education on Adolescents’ Intertemporal Choices

2018 ◽  
Vol 10 (3) ◽  
pp. 309-332 ◽  
Author(s):  
Melanie Lührmann ◽  
Marta Serra-Garcia ◽  
Joachim Winter

We study the impact of financial education on intertemporal choice in adolescence. The educational program was randomly assigned among high school students, and choices were measured using an incentivized experiment. Students who participated in the program make more time-consistent choices; are more likely to allocate payments to a single payment date, as opposed to spreading payment across two dates; and display increased consistency of choice with the law of demand. These findings suggest that financial education increases the quality of intertemporal decision-making and decreases narrow bracketing. (JEL C93, D14, D15, I21, J13)

Author(s):  
Patrícia Da Silva Sá Sartório ◽  
Airton José Vinholi Júnior

It is of fundamental importance that Brazilian school institutions are concerned with financial education in people's daily lives, since this is indispensable in everyday decision-making, both school and family, because much of what is learned in the school context, is practiced at home. In this sense, the basic question raised for this work is: how to propose a financial education that favors discussions about the family budget of high school students in Brazilian schools? One of the aspects that needs to be pointed out is the problem related to the quality of students' decision-making, with regard to financial education, whether in the formal or non-formal context of teaching. The current situation points to a very significant number of people who have financial defaults, failing to meet their monetary commitments. Thus, in order to maximize studies on this theme, the work sought to collect information and trends on this theme on the national scene, through a bibliographic article, focusing on academic productions related to financial education and aimed at high school. The aim of this study was to show the importance of working on this topic with high school students, the habit since adolescence of having a healthy financial life, which later in adulthood will be put with more practice and experience.


2021 ◽  
Vol 19 (34) ◽  
Author(s):  
Jelena Jevtić ◽  
Milan S. Dajić

Social networks are a way of creating a virtual identity and entering into relationships with strangers in a series of interactions that were not known to a man before the existence of the Internet. Mobile phones and the virtual world often create a personality of a person that is not the same in the real world. It can be said that technology has changed the course of humanity and human consciousness and contributed to many changes in the mentality of society, especially among the youth. Children are often overwhelmed by materialism and jealousy, which further encourages them to become an unconscious, immoral and unambitious population. One of the negative effects of social networks is the abuse of privacy, which is also becoming a growing problem everywhere in the world and should not be ignored. However, a positive attitude should be maintained when it comes to social networks, because they facilitate communication, access to information and learning, greater availability of services and free advertising of some products or services. High school students use the Internet intensively every day, and the work raises the question of whether they use it constructively or destructively. The research was conducted in 2019, the population of high school students was observed and 100 students were included on the territory of Belgrade, Niš and Vitina.


2012 ◽  
Vol 5 (3) ◽  
pp. 381-399 ◽  
Author(s):  
Mikael Persson ◽  
Peter Esaiasson ◽  
Mikael Gilljam

In democratic theory, two frequently occurring ideas are that deliberation and direct voting in referendums can increase perceived legitimacy of democratic procedures. To evaluate this claim, we conducted a controlled field experiment in which 215 high school students participated by being subject to a decision on a collective issue. The decision was made either by direct voting or as a non-voting procedure (decision made by the teacher). Additionally, we manipulated the opportunities for deliberation prior to the decision. Our primary finding is that both voting and deliberation significantly increase perceived legitimacy compared with a procedure in which these components are absent. However, applying both voting and deliberation does not yield significantly higher perceived legitimacy than applying voting without deliberation. We also found that perceived influence in the decision-making process mediates the effect of both voting and deliberation, whereas the epistemic quality of the decision, which is heavily emphasized in deliberative democratic theory, gained no support as a mediator.


Author(s):  
Tae-Seung Park ◽  
Jun-Su Kim ◽  
Jiyoun Kim

This research analyzed the impact of quality of service as perceived by Hapkido students on their exercise continuation and recommendation intentions. It also identified the measures to reduce the rate of student dropout, strengthen competitiveness, and create more efficient marketing strategies for consumer patterns that are rapidly diversifying Hapkido. A questionnaire survey method was conducted with 300 middle and high school students aged 14–19 years having Hapkido training of three months to two years in Incheon and Bucheon during March–April 2019. Frequency, factor, reliability, correlation, and standard multiple regression analyses were conducted on the surveyed data. The conclusions are as follows. First, considering the impact of service quality on exercise continuation intention, service quality positively affects reliability, personification, and perceptual openness; in terms of possibility, it positively affects typicality, personification, and perceptual openness; and in terms of reinforcement, it positively affects reliability and perceptual openness. Second, examining the impact of service quality on recommendation intention positively affects reliability, personification, and perceptual openness. Third, exercise continuation intention positively affects recommendation intention.


2021 ◽  
Vol 13 (6) ◽  
pp. 3389
Author(s):  
Tae-Seung Park ◽  
Jun-Su Kim ◽  
Jiyoun Kim

This research analyzes the impact of quality of service as perceived by Hapkido students on their exercise continuation and recommendation intentions. It also identifies measures to reduce the rate of student dropout, strengthen competitiveness, and create more efficient marketing strategies for consumer patterns that are rapidly diversifying Hapkido. A questionnaire survey method was conducted with 300 middle and high school students, aged 14–19 years, with between three months and two years of Hapkido training in Incheon and Bucheon during March and April 2019. Frequency, factor, reliability, correlation, and standard multiple regression analyses were conducted on the surveyed data. The study concludes that, first, considering the impact of service quality on exercise continuation intention, service quality positively affects reliability, personification, and perceptual openness; in terms of possibility, it positively affects typicality, personification, and perceptual openness; and in terms of reinforcement, it positively affects reliability and perceptual openness. Second, regarding the impact of service quality on recommendation intention, it positively affects reliability, personification, and perceptual openness. Third, exercise continuation intention positively affects recommendation intention. This study suggests that various efforts should be made to increase the reliability, tangibility, confidence, and empathy of the service quality to increase the exercise continuation and recommendation intentions of the trainees of Hapkido gymnasiums.


Sinteze ◽  
2020 ◽  
pp. 1-10
Author(s):  
Goran Pljakić

In this paper, the author investigates how teachers perceive the quality of decision - making of students of different ages while working in small groups. The examination of the beliefs of 162 teachers about the quality of decisions that students make while working in small groups was achieved by the KDO-MG scale, which was created and tested for the purposes of this research. A two-factor univariate analysis of variance found that there was a statistically significant difference between the beliefs of teachers, subject teachers and high school teachers about the quality of students' decision-making during work in small groups. The difference is reflected in the fact that teachers' beliefs indicate that the quality of decisions is higher among high school students than is the case with elementary school students.


2018 ◽  
pp. 242-284
Author(s):  
Jack M. Rappaport ◽  
Stephen B. Richter ◽  
Dennis T. Kennedy

This paper describes and implements an innovative model for teaching Science, Technology, Engineering and Mathematics (STEM) that enhances the decision making process of students considering a major or a career in STEM fields. The model can also be used as a decision making tool for educators interested in stressing the importance of STEM for career enhancement and for society as a whole. The model creates analogies and metaphors for various STEM topics using the contents of popular music videos. Theories of neuroscience, the interdisciplinary study of the nervous system, are used to describe and validate our decision making model. Concepts such as, embodied cognition, mirror neurons and the connection between emotion and cognition, are used to explain how the brain processes the information and multi-modal stimuli generated by our model. The model was implemented using the topic of automated decision processes in robotics and automation with a group of university and high school students and teachers. The impact of the model was evaluated using the National Science Foundation (NSF) frameworks for evaluating informal science projects. The results indicate that the model using symbolic transformation to teach STEM can have a significant impact on students' attitude towards STEM and the decision making process about their careers.


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