scholarly journals A Comparative Study of Financial Literacy and Financial Needs of Unbanked and Under Banked Population

2019 ◽  
Vol 7 (2) ◽  
pp. 31-37
Author(s):  
D C Stalin
Keyword(s):  
Public Policy ◽  
Financial Literacy ◽  
Academic Research ◽  
Experimental Models ◽  
Financial Information ◽  
Significant Implication ◽  
Research Gaps ◽  
Human Capital Development ◽  
The Subject ◽  
Capital Development

This paper assumes an estimation of economical research of rapidly improving body on financial literacy. We begin with a synopsis of academic research, which emit financial learning as a structure interest in human capital. Development of financial learning has significant implication for benefit; also policies planned to increase levels of financial information in the well-built inhabitants. After that, we depict on topical surveys to ascertain how many numbers of people knows and categorize the least financial aptitude population subgroups. Though the narrative is still undeveloped, conclusions may perhaps strain on the subject of the effects and consequences of financial illiteracy, to work for answering these research gaps. A concluding part suggests a view on what remains to be educated, if researchers are to be improved to inform academic and experimental models with public policy.

scholarly journals Educação Financeira pelo mundo: Como se organizam as Estratégias Nacionais?Financial education around the world: how are national strategies organized?

2020 ◽  
Vol 22 (2) ◽  
pp. 658-688
Author(s):  
Glauciane Silva Vieira ◽  
Cristiane Azêvedo Pessoa
Keyword(s):  
Public Policy ◽  
Financial Literacy ◽  
Academic Research ◽  
Financial Education ◽  
Palabras Clave ◽  
The World ◽  
Politica Publica ◽  
The Subject ◽  
Government Websites ◽  
Different Levels

ResumoO presente estudo tem o objetivo de explorar como diferentes países organizam seus programas e estratégias nacionais de Educação Financeira. O método utilizado foi a leitura de relatórios oficiais da OCDE e consulta a sites governamentais e pesquisas acadêmicas. Os resultados apontam que há uma tendência mundial em instituir a Educação Financeira como uma política pública nos diferentes níveis, etapas e modalidades de ensino, a fim de promover uma alfabetização financeira capaz de reeducar o comportamento dos indivíduos frente ao uso de suas finanças. Concluímos que há uma diversidade de metodologias para abordar a temática e destacamos a importância de uma Educação Financeira Escolar crítica e reflexiva.Palavras-chave: Educação financeira, Estratégias nacionais pelo mundo, Países.AbstractThis study aims to explore how different countries organize their programs and strategies to teach Financial Education. The method used was reading the official OECD reports and consulting on government websites and academic research. The results demonstrate a worldwide willingness to institute Financial Education as public policy at different levels, stages, and modalities of education. The main purpose of these countries is to build financial literacy capable of re-educating the behavior of individuals in relation to their finances. We concluded that there is a great diversity of methods to approach the subject, and we highlight the importance of a critic and reflective School Financial Education.Keywords: Financial education, National strategies around the world, Countries.ResumenEste estudio tiene como objetivo explorar cómo diferentes países organizan sus programas y estrategias para enseñar Educación Financiera. El método utilizado fue la lectura de los informes oficiales de la OCDE y la consulta en sitios web gubernamentales e investigaciones académicas. Los resultados demuestran la voluntad mundial de instituir la Educación Financiera como política pública en diferentes niveles, etapas y modalidades de educación. El objetivo principal de estos países es construir una educación financiera capaz de reeducar el comportamiento de las personas en relación con sus finanzas. Concluimos que existe una gran diversidad de métodos para abordar el tema, y destacamos la importancia de una Educación Financiera Escolar crítica y reflexiva. Palabras clave: Educación financiera; Estrategias nacionales por el mundo; Países. 

scholarly journals The demographic potential of the Voronezh region as a factor of human capital development

2021 ◽  
Vol 291 ◽  
pp. 03006
Author(s):  
Nataliya Yakovenko ◽  
Irina Safonova ◽  
Igor Komov ◽  
Olga Didenko
Keyword(s):  
Public Policy ◽  
Statistical Analysis ◽  
World Economy ◽  
Voronezh Oblast ◽  
Demographic Development ◽  
Human Capital Development ◽  
The World ◽  
Voronezh Region ◽  
Capital Development ◽  
Demographic Potential

Population is the key object of public policy, as it forms the demographic potential, without which the development of either a country or the world economy as a whole is impossible. The study of the location of the population, the number of labour resources, sex and age structure are important government tasks, the proper implementation of which forms the potential of the population. The aim of the article is to estimate the demographic potential of Voronezh Oblast. To achieve the goal the methods of statistical analysis were used, namely: grouping, relative, average, and index methods. Results. A comprehensive assessment of the demographic potential of the region has been made. The study will make it possible to make refined forecasts of demographic development of the region.

scholarly journals Theoretical aspects of human capital influence on regional development

2020 ◽  
Vol 217 ◽  
pp. 07017
Author(s):  
T. Kokuytseva ◽  
O. Ovchinnikova
Keyword(s):  
Economic Growth ◽  
Human Capital ◽  
Relevant Literature ◽  
Russian Regions ◽  
Research Gaps ◽  
Human Capital Development ◽  
The Past ◽  
Research Stream ◽  
Capital Development ◽  
Framework Development

This article is to discuss the state of scholarly research on the influence of human capital on the economic growth and the development of regions. We hereby review the relevant literature published over the past 30 years, and we integrate the various trends and factors into a preliminary and multi-dimensional framework of human capital development. Through this methodologically systematic review and framework development, we provide a more comprehensive and deeper understanding of the connection between human capital development, world technological trends and economic growth. In so doing, we consequently identify various research gaps and prescribe effective ways for future works in this research stream. Conclusively, we discuss the problem of a lack of the demand for human capital (as well as knowledge) in Russian regions that is the main reason for weak economic situation in them. Here is suggested to restructure current regional economy in order to consolidate high qualified human capital in regions and stipulate economic growth in regions.

scholarly journals Does Financial Development Enhance Foreign Trade in Selected Transitional Economies?

2020 ◽  
Vol 23 (4) ◽  
pp. 69-86
Author(s):  
Kunofiwa Tsaurai ◽  
Patience Hlupo
Keyword(s):  
Human Capital ◽  
Foreign Trade ◽  
Financial Development ◽  
Subject Matter ◽  
Transitional Economies ◽  
Significant Positive Effect ◽  
Human Capital Development ◽  
The Subject ◽  
Capital Development ◽  
Positive Effect

The study investigates the influence of financial development on foreign trade in transitional economies using panel data (1994–2014). Although empirical studies on the impact of financial development on foreign trade are available, none of them that the authors are aware of attempted to explore the subject matter in the context of transitional economies. None attempted to investigate if human capital development is a channel through which financial development influences foreign trade or international trade. Under fixed effects, financial development was found to have a non‑significant positive influence on foreign trade, while the random effects approach shows a significant positive relationship running from financial development towards foreign trade. The findings resonate with the majority of the literature on the subject. However, pooled ordinary least squares (OLS) shows that financial development had a significant negative influence on foreign trade. Under both fixed and random effects, human capital development was found to be a channel through which financial development had a significant positive effect on foreign trade. The results are in line with Patrick’s (1966) argument that foreign trade is quickened by high levels of human capital and financial development. The implication of the study is that transitional authorities should develop and implement human capital development enhancement policies in order to enable financial development to have a significant positive effect on foreign trade. In contrast to the available literature, human capital development was found to have had a significant negative impact on foreign trade under the OLS approach. Future studies on the subject matter should address the endogeneity concerns and the dynamic characteristics of the foreign trade data.

Stochastic optimization of economic, financial, information, and logistics inter-cluster cooperation

2020 ◽  
Vol 26 (9) ◽  
pp. 1928-1950
Author(s):  
S.N. Yashin ◽  
Yu.V. Trifonov ◽  
E.V. Koshelev
Keyword(s):  
Public Policy ◽  
Population Growth ◽  
Stochastic Optimization ◽  
Optimization Model ◽  
Federal District ◽  
Industrial Clusters ◽  
Financial Information ◽  
Policy Management ◽  
Federal Districts ◽  
Further Development

Subject. This article deals with the simulation technologies based on the principles of stochastic optimization. They can bring a significant financial effect in the planning of investment development of both individual innovation and industrial clusters and federal districts of the country. Objectives. The article aims to investigate the mechanisms of inter-cluster cooperation within a single district. Methods. For the analysis, we used a stochastic optimization model in view of economic, financial, information, and logistics inter-cluster cooperation within a single federal district. Results. The considered stochastic optimization model of economic, financial, information, and logistics inter-cluster cooperation shows that the increase in fixed investment does not always cause population growth in the federal district regions. Conclusions. The use of a digital twin mechanism of inter-cluster cooperation can help avoid premature unreasonable public policy management decisions regarding the further development of innovation and industrial clusters.

Sign in / Sign up

Export Citation Format

Share Document