scholarly journals Economic perception and economic behavior of students in the area of personal finances (on the example of students of the city of Vladimir)

2020 ◽  
pp. 65-73
Author(s):  
Marina Vladimirovna Sokolova ◽  
Dmitrii Il'ich Petrosyan ◽  
Tat'yana Mikhailovna Golubkina
Keyword(s):  
Young People ◽  
Financial Literacy ◽  
Online Survey ◽  
Economic Behavior ◽  
State University ◽  
Behavioral Strategies ◽  
Main Method ◽  
Finance Management ◽  
Personal Finances ◽  
The City

The subject of this research is the economic behavior of students in the area of personal finance management. Special attention is currently devoted to increasing the level of financial literacy of the population. The target audience in this research is the students of higher education in the city of Vladimir. Majority of young people find it necessary to manage their own finances namely during their student years. The research explores behavioral strategies of students in the areas of savings and borrowing. The main method of this research consisted in an online survey of college students of the city of Vladimir. The sociological survey covered the students of the Vladimir Aviation Mechanics College, Vladimir Polytechnic College, Vladimir State University, and Vladimir branch of the Russian Academy of the Russian Presidential Academy of National Economy and Public Administration. The data acquired allows concluding on the fairly low level of financial capacity of the students. The current level of income allows the young people provision for only their ongoing needs. Management of personal finances is reduced to control of income and spending. High levels of debt have not been observed among the students.

scholarly journals ON THE ISSUE OF FORMING FINANCIAL LITERACY SKILLS OF YOUNG PEOPLE

2021 ◽  
Vol 45 (4) ◽  
pp. 142-149
Author(s):  
N.V. Alikperova ◽  
Keyword(s):  
Young People ◽  
Financial Literacy ◽  
Literacy Skills ◽  
Economic Behavior ◽  
Development Programs ◽  
Literacy Strategies ◽  
Economic Relations ◽  
Finance Management ◽  
Hard Skills ◽  
Almost All

The modern reality, characterized by rapid changes, economic instability, and growing competition in almost all spheres of human activity, directly affects the strategies of economic behavior of the population, the choice of which is reflected in its level and quality of life. In this regard, there is an urgent question of the formation and development of skills in managing one’s funds to make economically competent decisions when interacting with participants in financial and economic relations. The aim of this study is to identify the necessary skills for the implementation of financial literacy strategies by young people as an active and promising audience in terms of using a variety of financial instruments. This article presents a theoretical discourse, as well as the results of an expert survey, which allow us to identify the classification of the most relevant and important skills necessary to solve the designated problem, among which we can distinguish hard, soft, and meta-skills. The author considers financial literacy (technical and intellectual) to be among the hard skills; among the soft skills, the most in-demand in the field of personal finance management, are emotional intelligence, self-discipline, responsibility, continuous self-education, effective thinking, and information hygiene. Meta-skills are represented by self-knowledge and awareness of oneself and what a person translates outside. Certain conclusions and provisions of the article can serve as starting points for improving the development programs of the institutional and educational environment to form financially competent strategies.

Formation of financial literacy in training of informatics teachers on the basis of the 1С:Enterprise system

2020 ◽  
Vol 1 (1) ◽  
pp. 11-18
Author(s):  
M. A. Rodionov ◽  
I. V. Akimova
Keyword(s):  
Financial Literacy ◽  
Basic Knowledge ◽  
State University ◽  
Science And Literature ◽  
Successful Development ◽  
Mathematics History ◽  
School Subjects ◽  
Personal Finances ◽  
The Right

In the submitted study the problem of the formation of financial literacy of students at informatics lessons and relevant training of future informatics teachers is considered. Financial literacy is understood as a set of basic knowledge in the field of finance, banking, insurance, as well as budgeting for personal finances that allow a person to choose the right financial product or service, soberly assess and take risks that may arise during the use of these products, correctly accumulate savings and identify doubtful (fraudulent) investment schemes. The authors conclude that successful development of meaningful lines of the course of financial literacy requires integration of a few school subjects, such as mathematics, history, informatics, social science and literature. The role of modern informatics teacher in the formation of financial literacy of students is great. Therefore, in the training of a future informatics teacher, it should be paid the attention to issues related to the study of elements of financial literacy in informatics lessons. In order to solve the problem, the authors propose to use the special course “Basics of work in 1С:Enterprise”, which is implemented at Penza State University. The article contains a program of the course and the methodological recommendations for its implementation.

scholarly journals Modern economic behavior: attitudes, representations and psychological characteristics of youth

2021 ◽  
pp. 15-32
Author(s):  
Olesya Yur'evna Gorchakova ◽  
Anastasiya Vyacheslavovna Larionova ◽  
Natal'ya Viktorovna Kozlova
Keyword(s):  
Young People ◽  
Financial Literacy ◽  
Self Regulation ◽  
Economic Behavior ◽  
Psychological Characteristics ◽  
Economic Institutions ◽  
Financial Risks ◽  
Psychological Resources ◽  
Economic Attitudes ◽  
Modern Economic

The subject of this research is the peculiarities of economic behavior, namely economic attitudes (activity in the economic sphere, financial literacy, trust in economic institutions, etc.) and representations (concept of money, shortage of money resources, financial security, solutions to financial problems). The goal lies in determination and description of the economic behavior (economic attitudes and perception of money) and their correlation with the psychological characteristics of young people (self-regulation of stressful states and resilience). The research involved young people under the age of 35. The following toolset was used: “Questionnaire for instant diagnostics of economic attitudes” developed by O. S. Deinek, E. V. Zabelina, “Diagnostics of stress condition” developed by A. O. Prokhorov, “Test for resilience” adapted by E. N. Osin, E. I. Rasskazova.. As a result of the conducted research, the author determines various patterns of the economic behavior of youth, as well as correlation of economic attitudes and perception of money with the psychological resources of a person. It is established that youth with an active economic position, financial literacy, and trust in economic institutions is characterized with the ability to adequately assess stressful circumstances and effectively cope with stress. Youth with an attitude towards socioeconomic comparison of own opportunities with others, as well as with passive adaptation to the market conditions experiences strong discomfort due to economic inequality. The author reveals that young people are exposed to stressful situations and anxiety in the situations of uncertainty and financial risks.

scholarly journals Financial Management Capabilities Among Personnel in a State University in The Philippines

2021 ◽  
Vol 3 (2) ◽  
pp. 158-168
Author(s):  
Rosario Clarabel C. Contreras ◽  
Elias Olapane ◽  
Magdalena P. Cataluňa ◽  
Liela C. Buenviaje
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Financial Stability ◽  
Management Practices ◽  
The Philippines ◽  
Management Program ◽  
State University ◽  
Personal Finances ◽  
Key Factor ◽  
Management Capabilities

Financial management is a key factor in achieving financial autonomy. Like other employees overseas, Filipino employees too are facing financial inadequacy, in one way or another. Thus, this descriptive study was conducted to assess the financial management of the personnel in the West Visayas State University Calinog Campus, Iloilo, Philippines. Using the duly validated and pilot-tested questionnaire, this study examined the three (3) aspects of financial management, namely: financial literacy; financial attitude; and financial management practices. It revealed that the respondents have an average level of financial literacy indicating that employees already possess knowledge in handling personal finances. The financial attitude of the respondents is relatively practical spenders as evident in "comparing prices when shopping for purchases" and "spending less than income".  As to financial management practices, most of the respondents put money in the bank in order to cope with the growing expenses of the respondents' children's education. At some point, some employees venture into investments such as livestock and business. Financial management program may be conducted to improve the economic and financial stability of the employees. Emphasis may center on budgeting, expenditure, and saving mechanisms to achieve financial literacy.

scholarly journals NEW MARKETING TOOLS IN THE BLOOD SERVICE TO OPTIMIZE QUALITY MANAGEMENT

2021 ◽  
Vol 74 (9) ◽  
pp. 2192-2196
Author(s):  
Vladislav V. Liubchak ◽  
Liliia M. Khomenko ◽  
Michael P. Kovalishyn ◽  
Viktoriia V. Ilyina ◽  
Tetiana V. Babar ◽  
...  
Keyword(s):  
Quality Management ◽  
Young People ◽  
Focus Group ◽  
University Students ◽  
Blood Donation ◽  
Poor Health ◽  
State University ◽  
Blood Center ◽  
Donation Process ◽  
The City

The aim: To identify the main fears of donation among young people in the city and ways to eliminate these phobias with the help of modern marketing tools. Materials and methods: It was conducted the questionnaire among Sumy State University students on donation fears. The questionnaire included questions about experience of donation, reason for non donation and age. After that a focus group among students who feared donation was organized. Participants were shown a 360 degree video recorded in the blood center and discussed how to donate blood after watching the video. Results: The main phobias were fear of becoming infected during the procedure (37.7%), fear of the procedure itself due to ignorance and misunderstanding of what to expect (14.0%), and fear of the needle, blood, and the discomfort possibility during the procedure (10.0%); 26.7% indicated that they could not be donors due to poor health, and 11.6% due to personal laziness. It was developed a 360o video, which demonstrates the blood donation process, showing the next steps with the selected blood in facilities. Its continues for 20 minutes. This video was shown in the focus group for ten non-donors with some donation fear. 60% of them reported a change from blood to a positive, which may indicate this tool’s effectiveness. Conclusions: Due a 360o video some non-donor people can ensure safety, sterility of the process, reduce the fear of donation and further increase the likelihood of becoming regular donors.

scholarly journals Reading Makes Cents Resource Review

2011 ◽  
Vol 6 (4) ◽  
pp. 101-103
Author(s):  
Lacie Ashby ◽  
Kathy Gordon ◽  
Shante Stokes
Keyword(s):  
Financial Literacy ◽  
Well Being ◽  
Life Skill ◽  
State University ◽  
Family Activities ◽  
Personal Finances ◽  
Hands On ◽  
Penn State ◽  
Excellent Resource ◽  
Economic Well Being

In today’s economy, it is more crucial than ever to focus our educational efforts on increasing financial literacy. Many young people are unskilled in managing their personal finances, yet this critical life skill will greatly affect their future economic well-being. Reading Makes Cents, developed by Penn State University, is an excellent resource to address this need. A reviewed and recommended curriculum by National 4-H, this complete, easy to use curriculum targets youth in grades 3-5 with a combination of financial literacy and reading. The curriculum explores basic money concepts such as spending, saving, and sharing money. Lessons incorporate hands-on activities and children’s literature to reinforce lesson objectives. With evaluation questions and family activities included, Reading Makes Cents is a perfect guide for educators to easily pick up and teach.

scholarly journals Personal finance management in modern conditions

2020 ◽  
Vol 18 (4) ◽  
pp. 36-47
Author(s):  
Larisa A. Rodina ◽  
Lilia V. Zavyalova
Keyword(s):  
Financial Literacy ◽  
Legal Aspects ◽  
Personal Finance ◽  
Point Of View ◽  
Individual Choice ◽  
Finance Management ◽  
Bank Deposits ◽  
Personal Finances ◽  
Financial Interests ◽  
The Individual

The article is devoted to the practical aspects of personal finance management in the context of the transition to digital transformation of the economy. The need to pay attention to this aspect is due to both new opportunities for managing personal finances based on digitalization tools, and the risks of unauthorized access to them using cybernetic means. Summarizing the main sources of threats to personal finance in the context of digitalization is aimed at preventing fraudulent activities and ensuring the protection of financial information carriers. First of all, in a preventive manner, it is proposed to consider the basic problems of personal finance management from the position of accounting and planning of financial resources. The research results are aimed at increasing the financial literacy of the population, preventing encroachments and crimes in the field of personal finance, and, ultimately, at the maximum satisfaction of personal needs. Particular attention is paid to the rules of "personal financial hygiene", which imply organizational and technical measures to protect bank cards, mobile bank, deposits, cash, etc. You should also pay attention to the need to protect personal financial interests from the point of view of checking "financial contacts". An important role in the management of personal finances is played by knowledge of the norms of tax legislation in terms of deductions and benefits for taxes paid by individuals. In this regard, it is necessary to understand not only the legal aspects, but also the capabilities of the information system of relations between taxpayers and the state. It is also proposed to assess the risks of investments for individuals in the context of justifying the individual choice of an option when planning personal finances. All of these aspects are regarded as due diligence rules.

Pengaruh Tingkat Literasi Keuangan Syariah dan Kepercayaan Masyarakat terhadap Minat Menabung di Bank Syariah

2020 ◽  
Vol 3 (2) ◽  
pp. 140-153
Author(s):  
Resti Fadhilah Nurrohmah ◽  
Radia Purbayati
Keyword(s):  
Financial Literacy ◽  
Linear Regression Analysis ◽  
Public Trust ◽  
Multiple Linear Regression Analysis ◽  
Primary Data ◽  
Public Confidence ◽  
Islamic Banks ◽  
Variable Level ◽  
Analysis Technique ◽  
The City

The purpose of this study was to study the level of Islamic financial literacy and public confidence in the interest in saving in Islamic banks. The variables in this study are the level of Islamic financial literacy (X1), public trust (X2), and interest in saving (Y).The method of this study is descriptive quantitative approach. The data source of this study are primary data obtained by distributing questionnaires. Respondents taken are residents in the city of Bandung, with samples domiciled in the city of Bandung and at least 17 years old. The data analysis technique uses multiple linear regression analysis. The results showed that the variable level of islamic financial literacy and public trust has positive effect in the interest in saving in Islamic banks. The findings in this study provide a reference to Islamic banks, the level of literacy and public trust regarding interest in saving, therefore Islamic banks must socialize to the public.

Zones of major ethical tension for the students’ dealing with information: The case analysis based on the «academic fraud triangle» AT

2020 ◽  
Author(s):  
Tatiana Eremenko ◽  
◽  
Vladimir Fulin ◽  
Keyword(s):  
Case Analysis ◽  
Fraud Triangle ◽  
State University ◽  
Main Method ◽  
Academic Fraud ◽  
Ethical Tension

The findings of the study revealed the heightened tension zones for the students’ dealing with information based on checking graduation theses texts for matching content at Ryazan S. Yesenin State University. The case analysis was applied as the main method of investigation. Generalized data, obtained as the result of four cases analysis, demonstrate that the highest tension is observed in the area of the academic ethos values like honesty, respect and responsibility.

YOUTH EXPECTATIONS OF SMART CITY LIVING: AN IMPORTANCE- PERFORMANCE ANALYSIS OF YOUNG RESIDENTS’ PERSPECTIVES OF CITY GOVERNMENT

2017 ◽  
Vol 14 (1) ◽  
pp. 118-128
Author(s):  
Jason Cohen ◽  
Judy Backhouse ◽  
Omar Ally
Keyword(s):  
Performance Analysis ◽  
Young People ◽  
Smart City ◽  
Smart Cities ◽  
City Government ◽  
Diagnostic Tools ◽  
City Management ◽  
Bottom Up ◽  
Starting Point ◽  
The City

Young people are important to cities, bringing skills and energy and contributing to economic activity. New technologies have led to the idea of a smart city as a framework for city management. Smart cities are developed from the top-down through government programmes, but also from the bottom-up by residents as technologies facilitate participation in developing new forms of city services. Young people are uniquely positioned to contribute to bottom-up smart city projects. Few diagnostic tools exist to guide city authorities on how to prioritise city service provision. A starting point is to understand how the youth value city services. This study surveys young people in Braamfontein, Johannesburg, and conducts an importance-performance analysis to identify which city services are well regarded and where the city should focus efforts and resources. The results show that Smart city initiatives that would most increase the satisfaction of youths in Braamfontein  include wireless connectivity, tools to track public transport  and  information  on city events. These  results  identify  city services that are valued by young people, highlighting services that young people could participate in providing. The importance-performance analysis can assist the city to direct effort and scarce resources effectively.

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