Evaluating Financial and Fiscal Knowledge for an Inclusive Society

2020 ◽  
pp. 280-300
Author(s):  
Laura Varela-Candamio ◽  
Joaquín Enríquez-Díaz
Keyword(s):  
Young People ◽  
Middle Schools ◽  
Financial Education ◽  
Small Sample ◽  
Financial Knowledge ◽  
Basic Information ◽  
Low Level ◽  
Stages Of Learning ◽  
Inclusive Society

Financial education and fiscal awareness are considered two fundamental branches of knowledge in the training of citizens from the first stages of learning. Thus, it is necessary to teach them in order to know the different savings products that can be acquired in a bank, to understand the basic information related to savings and the means of payment, or to differentiate between investment and risk. This work seeks to analyze the factors that determine the degree of financial knowledge and also fiscal knowledge of the current population. As a case study, the authors have selected a small sample of young people between 9 and 19 years at middle schools in the region of A Coruna (Spain). Findings reveal the low level of both financial and fiscal knowledge of the youngest population.

Evaluating Financial and Fiscal Knowledge for an Inclusive Society

2021 ◽  
pp. 399-415
Author(s):  
Laura Varela-Candamio ◽  
Joaquín Enríquez-Díaz
Keyword(s):  
Young People ◽  
Middle Schools ◽  
Financial Education ◽  
Small Sample ◽  
Financial Knowledge ◽  
Basic Information ◽  
Low Level ◽  
Stages Of Learning ◽  
Inclusive Society

Financial education and fiscal awareness are considered two fundamental branches of knowledge in the training of citizens from the first stages of learning. Thus, it is necessary to teach them in order to know the different savings products that can be acquired in a bank, to understand the basic information related to savings and the means of payment, or to differentiate between investment and risk. This work seeks to analyze the factors that determine the degree of financial knowledge and also fiscal knowledge of the current population. As a case study, the authors have selected a small sample of young people between 9 and 19 years at middle schools in the region of A Coruna (Spain). Findings reveal the low level of both financial and fiscal knowledge of the youngest population.

scholarly journals THE RELATION BETWEEN FINANCIAL KNOWLEDGE AND ECONOMIC DECISIONS

2014 ◽  
Vol 59 (1) ◽  
pp. 59-67
Author(s):  
Sabina Kołodziej
Keyword(s):  
Young Adults ◽  
Young People ◽  
Banking System ◽  
Financial Education ◽  
Financial Knowledge ◽  
Economic Decisions ◽  
Current Economic Situation ◽  
Common Observation ◽  
Saving Decisions

Nowadays policymakers, government agencies and educators in Poland and in many European countries emphasize the role of individual possibilities to take independent decisions regarding one’s financial resources. Consequently, the increased interest in financial education programs is observed. Moreover, the complexity of financial products further demonstrates the need for a financial knowledge when making decisions in this sphere. However, simultaneously, the common observation of numerous examples of irrelevant decision-making, consequently leading to financial (e.g. abundant debt) or professional (e.g. loss of work) problems as well as results of studies on the level of financial knowledge show that in many cases our society, most probably, does not have the indispensable level of analyzed knowledge. The article presents results of 2 studies on the relation between financial knowledge and economic decisions made by Polish young adults. The study 1 focuses on the correlation between financial knowledge and saving decisions while the study 2 financial knowledge and respondents debts. In both studies the level of financial knowledge was measured by the test relating to the current economic situation of Poland, knowledge of basic economic and financial concepts and understanding of basic market mechanisms. Specially designed questionnaires analyzed respondents’ savings (study 1) and debts (study 2) decisions. The results of those studies show that examined a group of Polish young adults has an average level of financial knowledge. Moreover, the first study found positive correlation (on the level of statistical trend) between financial knowledge and savings decisions. The results of study 2 showed the higher financial knowledge among people who took credits or loans from bank in comparison with people who take credit and loans outside the banking system. Results obtained in the studies reinforce the idea of the important role of financial education in preparing young people to make their own economic decisions. Key words: debt, financial education, financial knowledge, saving, young people.

scholarly journals Financial Literacy of Students – The Case Study of UITM in Rzeszów, Poland

e-Finanse ◽  
2020 ◽  
Vol 16 (3) ◽  
pp. 106-118
Author(s):  
Karolina Palimąka
Keyword(s):  
Decision Making ◽  
Information Technology ◽  
Young People ◽  
Literature Review ◽  
Financial Literacy ◽  
Financial Knowledge ◽  
Decision Making Process ◽  
Degree Programs

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.

Long-Term Unemployment in Poland in 2008-2012 - Tendencies, Structure and Selected Determinants

2013 ◽  
Vol 8 (4) ◽  
pp. 347-359
Author(s):  
Leszek Kucharski
Keyword(s):  
Secondary Education ◽  
Young People ◽  
Level Of Education ◽  
Low Level ◽  
Increased Risk

This study presents the structure and tendencies in long-term unemployment in Poland in the years 2008-2012. This study identifies the groups of people with an increased risk of long-term unemployment. The analyses produced the following conclusions. The groups with the highest risk of long-term unemployment include: singles, people aged of 55 and above and people with a low level of education. Young people with university and general secondary education faced the lowest risk of long-term unemployment. 

ER rule classifier with an optimization operator recommendation

2021 ◽  
pp. 1-13
Author(s):  
Xiaoyan Wang ◽  
Jianbin Sun ◽  
Qingsong Zhao ◽  
Yaqian You ◽  
Jiang Jiang
Keyword(s):  
Classification Accuracy ◽  
Comprehensive Analysis ◽  
Small Sample ◽  
Empirical Knowledge ◽  
Classification Methods ◽  
Turbofan Engine ◽  
Training Samples ◽  
Optimization Operator ◽  
Recommendation Strategy

It is difficult for many classic classification methods to consider expert experience and classify small-sample datasets well. The evidential reasoning rule (ER rule) classifier can solve these problems. The ER rule has strong processing and comprehensive analysis abilities for diversified mixed information and can solve problems with expert experience effectively. Moreover, the initial parameters of the classifier constructed based on the ER rule can be set according to empirical knowledge instead of being trained by a large number of samples, which can help the classifier classify small-sample datasets well. However, the initial parameters of the ER rule classifier need to be optimized, and choosing the best optimization algorithm is still a challenge. Considering these problems, the ER rule classifier with an optimization operator recommendation is proposed in this paper. First, the initial ER rule classifier is constructed based on training samples and expert experience. Second, the adjustable parameters are optimized, in which the optimization operator recommendation strategy is applied to select the best algorithm by partial samples, and then experiments with full samples are carried out. Finally, a case study on a turbofan engine degradation simulation dataset is carried out, and the results indicate that the ER rule classifier has a higher classification accuracy than other classic classifiers, which demonstrates the capability and effectiveness of the proposed ER rule classifier with an optimization operator recommendation.

Temporal dynamics of encrusting communities during the Late Devonian: a case study from the Central Devonian Field, Russia

Paleobiology ◽  
2017 ◽  
Vol 43 (4) ◽  
pp. 550-568 ◽  
Author(s):  
Michał Zatoń ◽  
Tomasz Borszcz ◽  
Michał Rakociński
Keyword(s):  
Temporal Dynamics ◽  
Small Sample ◽  
Time Interval ◽  
Faunal Turnover ◽  
Central Devonian Field ◽  
Before And After ◽  
Substrate Size ◽  
Mass Extinction Event ◽  
Diversity Dynamics

AbstractIn this study we focused on the dynamics of encrusting assemblages preserved on brachiopod hosts collected from upper Frasnian and lower Famennian deposits of the Central Devonian Field, Russia. Because the encrusted brachiopods come from deposits bracketing the Frasnian/Famennian (F/F) boundary, the results also shed some light on ecological differences in encrusting communities before and after the Frasnian–Famennian (F-F) event. To explore the diversity dynamics of encrusting assemblages, we analyzed more than 1300 brachiopod valves (substrates) from two localities. Taxon accumulation plots and shareholder quorum subsampling (SQS) routines indicated that a reasonably small sample of brachiopod host valves (n=50) is sufficient to capture the majority of the encrusting genera recorded at a given site. The richness of encrusters per substrate declined simultaneously with the number of encrusting taxa in the lower Famennian, accompanied by a decrease in epibiont abundance, with a comparable decrease in mean encrustation intensity (percentage of bioclasts encrusted by one or more epibionts). Epibiont abundance and occupancy roughly mirror each other. Strikingly, few ecological characteristics are correlated with substrate size, possibly reflecting random settlement of larvae. Evenness, which is negatively correlated with substrate size, shows greater within-stage variability among samples than between Frasnian and Famennian intervals and may indicate the instability of early Famennian biocenoses following the faunal turnover. The occurrence distribution of encrusters points to nonrandom associations and exclusions among several encrusting taxa. However, abundance and occupancy of microconchids remained relatively stable throughout the sampled time interval. The notable decline in abundance (~60%) and relatively minor decline in diversity (~30%) suggest jointly that encrusting communities experienced ecological collapse rather than a major mass extinction event. The differences between the upper Frasnian and lower Famennian encrusting assemblages may thus record a turnover associated with the F-F event.

scholarly journals Shaping of sustainable citizenship among young people of Kulhudhuffushi, Maldives and Hamilton, New Zealand: context, conditions and experiences

2021 ◽  
Vol 4 (1) ◽  
Author(s):  
Shaaliny Jaufar
Keyword(s):  
New Zealand ◽  
Young People ◽  
Role Models ◽  
Small Sample ◽  
Natural Environments ◽  
Active Citizenship ◽  
Motivating Factors ◽  
Cultural Attitudes ◽  
Political Processes ◽  
Counter Culture

Abstract Background Engagement of young people is essential for achieving sustainable outcomes both locally and in the global context. Democratic processes appear to be the most facilitative mechanism to hold governments to account with governments becoming more receptive to pro-environmental policies when there is input from citizens to do so. While there is concern about a general lack of participation in traditional forms of political processes, particularly among young people, there are those who are carving a space for themselves as active citizens within a system that is often times contradictory to their lives. In this context, this paper looks at the lived experiences of a small sample of active young people in Kulhudhuffushi island of Maldives and Hamilton, New Zealand to examine the contexts and conditions that lead to and sustain these forms of sustainable citizenship. Results In-depth interviews conducted with young people in both locations found similarities within both groups in terms of motivating factors, knowledge and support networks, lifestyle practices, and conceptualisations of citizenship. Early exposure to natural environments, role models and participation in actions and networks helped to create active citizenship, while lack of conducive spaces and cultural attitudes impeded activism. Conclusion The results show that providing opportunities for early interactions with nature, and participation in actions and activist networks is vital for fostering and sustaining active citizenship. Additionally local and national groups and institutions need to facilitate spaces conducive for organising and alternative narratives, as well as promoting a counter culture to the current carbon heavy system. The findings contribute to literature on listening to youth voices in environmental and climate activism.

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