Improving Youth Financial Literacy: A Profile of Middle School Camp Attendees

The purpose of this paper is to present a profile of middle-school-age youth who participated in a week- long experiential residential camp focused on helping campers learn about and interact with money, personal finance topics, and mainstream financial service providers. Based on pre- and post-test data, it was determined an experiential real-world camp experience can increase the financial confidence and goal-setting abilities of young people.

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Feasibility Testing a Family-Level Intervention to Prevent Risky Sex Behaviors Among Middle School–Age Latinas

Journal of Transcultural Nursing ◽

10.1177/1043659616689289 ◽

2017 ◽

Vol 29 (2) ◽

pp. 131-138

Author(s):

Robin Bartlett ◽

Thomas P. McCoy ◽

Allyson Kelley ◽

Emily R. Beamon ◽

Tara Holmes ◽

...

Keyword(s):

Middle School ◽

Risky Sex ◽

School Age ◽

Post Intervention ◽

Design Data ◽

Family Level ◽

Sex Behaviors ◽

Post Test ◽

Latina Girls

Purpose: In this article, we report a pilot study that tested the feasibility and initial efficacy of a culturally, linguistically, and developmentally tailored risky sex prevention intervention for middle school–age Latinas and their mothers. Design: We used a one-group pre-test, post-test, and 3-month post-intervention follow-up design. Data were collected at three points on aspects of the girls’ communication, beliefs, and behaviors. Results: Promising results included improvements in girl’s self-efficacy regarding condom communication and condom consistent use, and in mother–teen sexual risk communication. There were also trends in demonstration of fewer risky sex behaviors. Discussion: These findings suggest that the “Latina–Girls Empowered through Mind and Mission” (L-GEMM) intervention for young Latinas and their mothers is feasible and warrants further testing. Implications: Nurses are uniquely positioned to deliver risky sex preventive interventions to young Latinas. Including mothers and tailoring interventions to build on cultural strengths are important for success.

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Improving Financial Literacy in Facing the Era of Society 5.0

International Journal of Islamic Economics ◽

10.32332/ijie.v3i2.4142 ◽

2021 ◽

Vol 3 (2) ◽

pp. 150

Author(s):

Nurlaili Nurlaili ◽

Muhammad Faqih ◽

Muhammad Hasan Basri ◽

Kiki Dwi Larasati

Keyword(s):

Financial Literacy ◽

Research Method ◽

Service Providers ◽

Financial Service ◽

Related Information ◽

Library Research ◽

Public Media ◽

The Government ◽

Mandatory Policy

Industrial era 4.0 presents the development of digitalization that continues to grow, such as digitizing payment transactions, namely e-wallet. However, there are shortcomings that can be corrected to face society 5.0 in Indonesia and also the balance between financial literacy and e-wallet users who are growing so that there is no consumptive society and fraud. The purpose of this paper is to provide suggestions or recommendations for the government and stakeholders to carry out policies to increase the level of financial literacy in Indonesia, this research method is library research by collecting related information and data from various valid sources. The results of this paper provide suggestions for the government to actively campaign for financial literacy in various public media, provide a mandatory policy to provide education to financial service providers, and as university academics or educators provide a curriculum on financial literacy. So that when Indonesia enters the era of society 5.0, it is ready in terms of digitizing payment transactions and literacy.

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Contribution of Financial Literacy on Behaviour: A Nepali Perspective

Journal of Education and Research ◽

10.3126/jer.v8i2.27380 ◽

2018 ◽

Vol 8 (2) ◽

pp. 75-92

Author(s):

Ramesh Prasad Chaulagain

Keyword(s):

Financial Literacy ◽

Theory Of Planned Behaviour ◽

Service Providers ◽

Well Being ◽

Financial Service ◽

Sample Survey ◽

Scoring Method ◽

Planned Behaviour ◽

Research Attention ◽

Financial Behaviour

Financial literacy and behaviour are emerging personal financial agendas both in education and finance. However, financial literacy has behavioural implication and effect on the financial well-being of individuals. Therefore, assessing financial behaviour by measuring financial literacy of individuals is important research attention. In this paper, the contribution of financial literacy on the financial behaviour of small borrowers is measured and analysed. The study follows a quantitative research methodology under the post-positivistic research paradigm. A simple scoring method is used to measure financial literacy and the logistic regression model is used to measure the probabilistic contribution of financial literacy on behaviour. By using a sample survey, the study collects 393 sets of responses from small borrowers selected randomly from four districts of Nepal. Theory of planned behaviour is used to interpret the finding. The theory of planned behaviour states that the literacy i.e. knowledge and skill in financial matters will develop an attitude, and if the attitude is positive, the persons will behave accordingly. The finding explores that improved level of financial literacy contributes financial behaviour of the small borrowers positively. The study concludes that for enhancing financial behaviour, contemporary and contextual financial literacy programs are necessary to educate the individuals. The study also connects financial well-beings with enhanced financial behaviour. Findings of this study are useful for policymakers, financial service users, academicians and financial service providers in Nepal.

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Reading Financial Services: Texts, Consumers, and Financial Literacy

Environment and Planning D Society and Space ◽

10.1068/d160029 ◽

1998 ◽

Vol 16 (1) ◽

pp. 29-55 ◽

Cited By ~ 55

Author(s):

Andrew Leyshon ◽

Nigel Thrift ◽

Jonathan Pratt

Keyword(s):

Information Asymmetry ◽

Interpersonal Relationships ◽

Financial Literacy ◽

Financial Services ◽

Service Providers ◽

Financial System ◽

Financial Service ◽

Barriers To Entry ◽

Distance Information ◽

Financial Products

The authors focus upon the changing nature of production and consumption within the retail financial services industry. The perennial problem which faces all producers of financial services is information asymmetry; that is, providers and consumers of financial products have unequal amounts of information about whether or not customers have the wherewithal to make them ‘capable’ purchasers. Thus, the problem of information asymmetry is usually manifested in a priori decisionmaking about the suitability of customers. This problem has traditionally been overcome by forging interpersonal relationships of trust with consumers through copresence. Increasingly, however, trust in consumers is being forged through technologically mediated means of information collection functioning ‘at a distance’ so that financial services producers are coming to ‘read’ consumers as ‘texts’, through the medium of databases. These developments have had a number of effects, such as increased competition in retail financial markets, while branch networks, which acted as durable barriers to entry to the market, have become less important as sites of market intelligence and knowledge. Consumers have also been forced to forge new relations of trust with retail financial service providers. This is increasingly being achieved through the use of various media and through identification with brands. Such developments have served to create social and spatial divisions of financial inclusion and exclusion, as producers use at-a-distance information to discriminate between ‘good’ and ‘bad’ customers. Those ‘inside’ the financial system are able to use their financial knowledge to take advantage of increased levels of competition between financial service providers. However, those excluded from the financial system are doubly handicapped as they live in both a financial and an information shadow. Such individuals are likely to pay an increasingly heavy price for their exclusion, particularly given the collapse of universal welfare provision and the allied growth of private welfare-related financial products. In recognition of this, in the final part of the paper we consider ways of countering problems of financial exclusion and low levels of financial literacy.

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Literacy matters in marketing

International Journal of Bank Marketing ◽

10.1108/ijbm-12-2016-0188 ◽

2017 ◽

Vol 35 (5) ◽

pp. 750-760 ◽

Cited By ~ 5

Author(s):

Bruce A. Huhmann

Keyword(s):

Financial Literacy ◽

Service Providers ◽

Theoretical Explanation ◽

Financial Service ◽

Financial Information ◽

Content Type ◽

Financial Decisions ◽

Construct Definition ◽

Domain Specific ◽

Advance Research

Purpose Literacy represents one’s ability to process and produce materials related to a domain. One type of this higher-order, global individual difference variable is consumer financial literacy. It stems from one’s financial information processing capacity, prior financial knowledge, and proficiency in optimizing financial decisions and managing financial resources. The paper aims to discuss these issues. Design/methodology/approach The research matching perspective theoretically explains findings related to literacy, including those in this special issue. Optimal processing arises as available and required processing resources correspond. Thus, cognitive comprehension and behavioral application/decision-making outcomes following financial marketing communication exposure are optimized when consumer financial literacy matches the level needed for successful processing. Insufficient or excess available resources harm outcomes. Findings The resource-matching perspective clarifies consumers’ increasing financial difficulties. Consumers limit personal finance efforts because required resources overwhelm limited financial literacy. However, education or experience can expand consumer financial literacy. Alternatively, financial service marketers may accommodate low consumer financial literacy by simplifying financial information presentation. Consumers reward firms that show sensitivity to their domain-specific literacy limitations with stronger loyalty. Research limitations/implications Construct definition is vital to advance research. Yet, financial literacy has no generally accepted definition. This paper’s definitions should aid understanding of the psychological underpinnings of financial literacy’s components. Originality/value Much has been written about consumers’ inability to manage personal finances. This paper provides a unified, theoretical explanation for consumers increasing financial literacy difficulties and suggests ways that consumers, financial service providers, and public policy makers can overcome these difficulties.

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Dynamics of general physical capacity and aerobic productivity by veloergometry results of the middle school age girls with weakened vision under the influence of physical rehabilitation

Acta Medica Leopoliensia ◽

10.25040/aml2017.03.053 ◽

2017 ◽

Vol 23 (3) ◽

pp. 53-58

Author(s):

N.V. Maryukhnich ◽

◽

V.V. Klapchuk ◽

Keyword(s):

Middle School ◽

Physical Rehabilitation ◽

Physical Capacity ◽

School Age ◽

General Physical

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THE EFFECT OF ONLINE VIDEO BLOG ON STUDENTS’ ACHIEVEMENT OF PASSIVE VOICE IN 4J OPERATION KENDARI

Journal of Teaching English ◽

10.36709/jte.v5i2.13606 ◽

2020 ◽

Vol 5 (2) ◽

pp. 125

Author(s):

Raden Alifian Setiawan ◽

Hanna Hanna ◽

Alberth Alberth

Keyword(s):

Data Analysis ◽

Real World ◽

T Test ◽

Test Design ◽

Online Video ◽

Test Results ◽

Multiple Choice Questions ◽

Passive Voice ◽

Paired Sample ◽

Post Test

The use of videos in education makes it possible to overcome practical real-world constraints and explore far greater possibilities provided by digital spaces, especially for the video uploaded in online platform such as blog. This study examines whether online video blog as media have a significant effect on students’ achievement of passive voice. It used pre-experimental (one group pre-test and post-test) design. The samples of this study were 10 students at 4J Operation. A pre-test and post-test were conducted by using multiple choice questions as the instruments. Data analysis was through paired-sample t-test. Results showed that there was an increase in mean score of pre-test (49,1) and post-test (63,5). Data from Paired Sample t-test showed that Sig. (2-tailed) was 0.000 which was smaller than .05 which means that there was significance difference in mean score after employing treatment.

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The Experiences and Perspectives of African-Australian Community Service Providers Who Work with At-Risk and Justice-Involved Youth

International Journal of Offender Therapy and Comparative Criminology ◽

10.1177/0306624x211022652 ◽

2021 ◽

pp. 0306624X2110226

Author(s):

Stephane Shepherd ◽

Aisling Bailey ◽

Godwin Masuka

Keyword(s):

Risk Factors ◽

At Risk ◽

Young People ◽

Service Delivery ◽

Community Service ◽

Service Providers ◽

Professional Staff ◽

Youth Justice ◽

Complex Needs ◽

Australian Community

African-Australian young people are over-represented in custody in the state of Victoria. It has been recognized in recent government and stakeholder strategic plans that African-Australian community service providers are well placed to help address the increasing complex needs of at-risk African-Australian youth. However little is known about the capacities of such providers to effectively contend with this growing social concern. In response, this study aimed to explore the perspectives and operational (service delivery and governance) experiences of African-Australian community organizations which provide services to at-risk young people in Victoria. Through a series of in-depth interviews with the leadership of eight key African-Australian service providers, we aimed to identify their perceived strengths, obstacles faced and proposed strategies to realize key objectives. Perspectives on key risk factors for young African-Australian justice system contact were also gathered. Several themes were extracted from the interviews, specifically (i) Risk factors for African-Australian youth justice-involvement (school disengagement, peer delinquency, family breakdown, intergenerational discord, perceived social rejection), (ii) The limitations of mainstream institutions to reduce African-Australian youth justice-involvement (too compliance focused, inflexible, business rather than human-centered, disconnected from communities and families), (iii) The advantages of African-Australian community service providers when working with African-Australian youth (community credibility, client trust, flexibility, culturally responsive), (iv) The challenges faced by African-Australian service providers (lack of funding/resources, professional staff shortages, infrastructural/governance limitations), and (v) “What works” in service provision for at-risk African-Australians (client involvement in program design, African staff representation, extensive structured programming matched with client aspirations, prioritizing relationship building, persistent outreach, mental health and legal literacy for clients and families). Implications for service delivery and social policy are discussed within.

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Engaging young people in the design of a sexual reproductive health intervention: Lessons learnt from the Yathu Yathu (“For us, by us”) formative study in Zambia

BMC Health Services Research ◽

10.1186/s12913-021-06696-7 ◽

2021 ◽

Vol 21 (1) ◽

Author(s):

Melvin Simuyaba ◽

Bernadette Hensen ◽

Mwelwa Phiri ◽

Chisanga Mwansa ◽

Lawrence Mwenge ◽

...

Keyword(s):

Young People ◽

Reproductive Health ◽

Iterative Process ◽

Service Use ◽

Service Providers ◽

Peer Pressure ◽

Post Exposure Prophylaxis ◽

Community Based ◽

Research Activities ◽

Lessons Learnt

Abstract Background Meeting the sexual and reproductive health (SRH) needs of adolescents and young people (AYP) requires their meaningful engagement in intervention design. We describe an iterative process of engaging AYP to finalise the design of a community-based, peer-led and incentivised SRH intervention for AYP aged 15–24 in Lusaka and the lessons learnt. Methods Between November 2018 and March 2019, 18 focus group discussions, eight in-depth interviews and six observations were conducted to assess AYP’s knowledge of HIV/SRH services, factors influencing AYP’s sexual behaviour and elicit views on core elements of a proposed intervention, including: community-based spaces (hubs) for service delivery, type of service providers and incentivising service use through prevention points cards (PPC; “loyalty” cards to gain points for accessing services and redeem these for rewards). A total of 230 AYP (15 participated twice in different research activities) and 21 adults (only participated in the community mapping discussions) participated in the research. Participants were purposively selected based on age, sex, where they lived and their roles in the study communities. Data were analysed thematically. Results Alcohol and drug abuse, peer pressure, poverty, unemployment and limited recreation facilities influenced AYP’s sexual behaviours. Adolescent boys and young men lacked knowledge of contraceptive services and all AYP of pre and post exposure prophylaxis for HIV prevention. AYP stated a preference for accessing services at “hubs” located in the community rather than the health facility. AYP considered the age, sex and training of the providers when choosing whom they were comfortable accessing services from. PPCs were acceptable among AYP despite the loyalty card concept being new to them. AYP suggested financial and school support, electronic devices, clothing and food supplies as rewards. Conclusions Engaging AYP in the design of an SRH intervention was feasible, informative and considered responsive to their needs. Although AYP’s suggestions were diverse, the iterative process of AYP engagement facilitated the design of an intervention that is informed by AYP and implementable. Trial registration This formative study informed the design of this trial: ClinicalTrials.gov, NCT04060420. Registered 19 August, 2019.

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