5. Financial literacy of young people in Poland and Germany. Survey results

Author(s):  
Aleksandra Grzesiuk ◽  
Dieter Korczak
Author(s):  
LE Thanh Tam ◽  
Nguyen Minh Chau ◽  
Pham Ngoc Mai ◽  
Ngo Ha Phuong ◽  
Vu Khanh Huyen Tran

The technological revolution 4.0 brings great opportunities, but also cybercrimes to economic sectors, especially to banks. Using secondary data and survey results of 305 bank clients, the main findings of this paper are: (i) there are several types of cybercrimes in the banking sector; (ii) Vietnam is one of the top countries worldwide having hackers and being attacked by hackers, especially the banking sector. Three most common attacks are skimming, hacking and phishing. Number of cybercrime attacks in Vietnam are increasing rapidly over years; (iii) Vietnamese customers are very vulnerable to cybercrime in banking, as more than 58% seem to hear about cybercrimes, and how banks provide services to let them know about their transactions. However, more than 50% do not have any deep knowledge or any measures for preventing cybercrime; (iii) Customers believe in banks, but do not think that banks can deal with cybercrime issues well. They still feel traditional transactions are more secure than e-transactions; (iv) the reasons for high cybercrimes come from commercial banks (low management and human capacity), supporting environment (inadequate), legal framework (not yet strong and strict enough on cybercrimes), and clients (low level of financial literacy). Therefore, several solutions should be carried out, from all stakeholders, for improving the cybersecurity in Vietnamese banks. 


2020 ◽  
Vol 18 (4) ◽  
pp. 652-661
Author(s):  
Sh.Ch. Soyan ◽  
V.K. Sevek ◽  
R.S. Taibyl

Subject. This article deals with the issues of determining the level of financial literacy of the population of the Tyva Republic. Objectives. The article aims to analyze the level of financial literacy of the population of the Tyva Republic and identify factors that cause the financial illiteracy rates. Methods. For the study, we used a questionnaire method within a sociological survey. Results. The article presents results of the sociological survey of respondents and highlights the main reasons for the financial illiteracy of the majority of the population of the Tyva Republic. Conclusions. The results obtained can be taken into account when developing the area's socio-economic development programmes improving the quality of life of the population.


2014 ◽  
Vol 30 (2) ◽  
pp. 280-282
Author(s):  
Randolph James Brazier

AbstractSignificant progress has been made with respect to Education for Sustainable Development (ESD) in tertiary education institutions, particularly universities. There are also examples of ways in which sustainability has been incorporated into secondary schools and curricula, but with varying levels of success. ESD that has been incorporated in secondary schools has been shown to engage students and give more context to the curriculum, as well as enable students to develop the critical thinking required to tackle the big issues that face the planet now and into the future.In the United Kingdom, while some aspects of sustainability have been introduced into the secondary school curriculum, they are often merged into other subjects and do not attract as much attention as traditional subjects. Furthermore, sustainability emphasis varies between schools, exam boards and teachers, leading to differing levels of understanding among teenagers. As a result, it could be argued that some young people fail to engage with global issues, which could be contributing towards the lower rates of young people voting in the United Kingdom. Promoting sustainable development, and how engineering can contribute towards it, could also potentially help reverse the decline in engineering student entries at universities, by attracting more interest to the engineering field. Thus, the question is raised as to how sustainability knowledge can be improved among teenagers.The research investigated the scale and quality of ESD at secondary schools in the United Kingdom and recommended a range of solutions to improve sustainability teaching and thinking among teenagers. A range of research tools were used, including a literature and curriculum review, interviews and surveys with teachers and students, and a role-play case study.The research involved a survey being conducted with 475 UK secondary school students aged 12–18 years. The survey was conducted to determine the current level of sustainability understanding of the students, where they learned about it, their preferences relating to issues facing the Earth, and how they think sustainability teaching could be improved. Surveys were purposely open ended, and teachers were instructed not to give prompts prior to the survey, to enable an accurate reflection of students’ knowledge. Results of the surveys varied across age group, school, overall attainment levels of students and exam boards. In general, results showed that while students are interested and knowledgeable about current issues, their level of understanding of sustainability is poor to moderate, and they want it to be taught in more subjects.A gap analysis was then conducted with a curriculum review, survey results and interviews with teachers as inputs. The aim of the analysis was to determine the difference between a desirable level of knowledge and teaching of sustainability, and current practice. Among other things, the analysis indicated that interactive learning would be beneficial, and thus a role play, set in Cambridge and covering environmental, social and economic aspects, was designed and run at two schools in Cambridge. An element of competition was included, as well as a relatively open set of rules, to invoke creative solutions. Observation during the game indicated engaged students. Feedback from students indicated that the game was a fun and useful learning tool. Feedback from teachers was also positive, indicating that interactive teaching tools, like role plays, class debates and field experiments, can be very valuable towards teaching students about the complexities of sustainability.After the role plays, the students were surveyed with identical questions to the initial survey. Results were compared, and sustainability knowledge and the ability to identify environmental issues was seen to increase significantly, far more so than originally expected. This increase in knowledge was highlighted by the students themselves in subsequent feedback sessions.Finally, steps were proposed to improve sustainability education that could be implemented by schools and teachers or at the UK National Curriculum level: •a ‘Sustainability Week’ or sustainability short course to be run at early secondary school, with the aim to give students a holistic overview of sustainability;•aspects of sustainability, including real-world examples, to be included in all subjects and lead on from the short course;•interactive learning tools to be strongly encouraged and made available to all teachers;•training and support to be provided to teachers to improve understanding and ability to teach sustainability;•extra-curricular sustainability activities to be offered at all schools. These steps, along with continual lines of communication and feedback between politicians, the public, industry, students and educators, will ensure that students understand sustainability and develop critical ways of thinking, leading to a more engaged generation.


2018 ◽  
Vol 8 (1) ◽  
pp. 63-75 ◽  
Author(s):  
Jana Goriup ◽  
Danijela Lahe

AbstractIntroduction: With the intensive growth in the number of older people and prolonged life span in the contemporary postmodern society, it has become increasingly important to build positive intergenerational cooperation and promote education on aging and older people, especially between younger and older generations. That is why the authors, on the basis of empirical research and scientific literature, examined knowledge about aging among young people and the connection between knowledge about aging and the formation of negative attitudes towards older people.Methods: The study involved 609 secondary school students aged 15 to 19 years.Results: The survey results showed that only one-fifth of the young population has good knowledge about aging. The relationship between knowledge about aging and ageism is negative, which means that young people with less knowledge about aging often have a negative attitude towards older people.Conclusions: Based on the obtained results, the authors underline the importance of integrating gerontology content in all stages of education.


2019 ◽  
Author(s):  
Tomas Folke ◽  
Jovana Gjorgjiovska ◽  
Alessandro Paul ◽  
Lea Jakob ◽  
Kai Ruggeri

Young adults increasingly require good financial literacy to make the most of the opportunities provided to them. Unfortunately, existing financial literacy measures that may assist with targeting interventions show low reliability, ceiling effects, and a high level of abstraction. To address this, we designed and assessed the psychometric properties of a new measure specifically targeting young people, the Assessment of Economic and Financial Literacy (ASSET). We find it has better overall validity, reliability, and predictive power than existing measures. Using ASSET, we find that mathematical ability, calculator use (an example of deliberative thinking), gender, and socioeconomic status are key predictors of financial literacy. We recommend this more robust tool for use in financial literacy research to assess implications for guiding major financial decisions amongst young people.


ACC Journal ◽  
2015 ◽  
Vol 21 (2) ◽  
pp. 86-103
Author(s):  
Justyna Kurczewska ◽  
Małgorzata Solarz

Author(s):  
Nogan V. Badmaeva ◽  

The article presents the results of the sociological survey of the young rural population of the Republic of Kalmykia on the problems of migration. The study analyzes the main goals and directions of the migration of young people. The results of the survey showed that the basic factors of the migration from rural areas are low level salaries, lack of work places, undeveloped infrastructure. The low level of social conditions is also one of the factors of migration of young people. The majority of the respondents plan to live in metropolises of Russia. No one of the respondents wants to live in a rural area. Thus, the analysis of the survey results showed that for young rural population the main channel for mobility is migration. It is important to note that rural area settlements have low level of attractiveness and prestige among contemporary young people which is due to low quality and level of life and the lack of preconditions for implementing life plans and strategies of the young people of the region.


2020 ◽  
pp. 101-108
Author(s):  
A. Ya. Trotskovsky ◽  
O. V. Sitnikova ◽  
I. V. Suponina

The article reveals the features of the adaptive behavior of young people and elderly citizens during the recession of the economy of the Altai Territory. As the information base of the study, the data of state statistics were used, including sample survey results. The specificity of the article lies in an attempt to make a comparative analysis of the economic behavior of citizens included in the “risk group” in the labor market, under the conditions of a slowdown in the economy of a typical agro-industrial region. The characteristic features of the development of the Altai Territory at the recession stage (2013-2016) are revealed. The essence of the changes lies in the formation of a qualitatively different economic situation, due to a noticeable inhibition of the growth of a number of basic indicators of the socio-economic development of the region. The key features of the development of the Altai Territory during the years of recession are noted, consisting in a relatively stable socio-economic situation in general, and the preservation of the basic characteristics of the labor market, in particular. It was found that the economic slowdown affected mainly the indicators of the level of employment and the growth of unemployment; the level of participation in the labor force has not changed. The gender features of the level of participation in the workforce of young people and elderly citizens are revealed. The specifics of employment of young people and elderly citizens during the recession of the economy in the region are disclosed. It is noted that in comparison with Russia, the problem of unemployment in the considered groups of the population is expressed differently: less acute for young people and more acute for elderly citizens.


e-Finanse ◽  
2020 ◽  
Vol 16 (3) ◽  
pp. 106-118
Author(s):  
Karolina Palimąka

Abstract The article focuses on the phenomenon of financial literacy of students. Financial literacy is treated as a combination of financial knowledge and the decision-making process where one has to make a choice based on experience and theory. The aim of this paper is to draw attention to the essence of financial literacy, including knowledge of banking (especially of young people). For this purpose, a literature review was used. Own research complements the topic as a case study, where the author verifies whether students assess their knowledge in a way that corresponds to reality and verifies whether students need to expand their financial knowledge sorely necessary nowadays. The survey was completed by 380 students from University of Information Technology and Management in Rzeszów, of both economic and non-economic field of studies. There are some unexpected results, for example the most important is that students from a financial field of studies end up with worse results than their peers from the non-financial degree programs.


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