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Financial education Current practices and future challenges

:	Kristof De Witte, Oliver Holz, Kenneth De Beckker
:	Financial education Current practices and future challenges
:	Waxmann Verlag GmbH
:	9783830990635
:	1
:	CHF 24.50
:

:	Antike
:	English

:	194
:	kein Kopierschutz/DRM
:	PC/MAC/eReader/Tablet
:	PDF

In a world where individuals become increasingly responsible for their financial well-being, and where the complexity of financial markets and products is growing, financial education becomes crucial. Although it is well accepted to introduce financial education in compulsory education, there is no consensus on the optimal way to implement financial education.
This book explores the current state and the future challenges of financial education in five European countries: Belgium, Estonia, Italy, Slovakia, and the Netherlands. Moreover, it provides a comprehensive review of the academic literature on financial literacy. The book is a product of a strategic partnership with professionals from 14 partners, including universities, secondary schools and intermediary organisations dealing with financial literacy promotion. The EUFin project supported by this partnership aims to develop evidence-based didactical material for financial literacy education for tertiary and secondary education levels and exchange best-practices.

	Cover	1
	Imprint	4
	Contents	5
	Preface	7
	References	9
	Chapter 1: Financial literacy. Uncovering avenues for future research (Kenneth De Beckker)	11
	1.1 Introduction	11
	1.2 Defining and measuring financial literacy	12
	1.2.1 Test-based measures	14
	1.2.2 Self-assessment measures	15
	1.2.3 Outcome-based measures	15
	1.3 The level of financial literacy around the world	15
	1.4 Determinants of financial literacy	17
	1.4.1 Socio-economic determinants	17
	1.4.2 Financial socialization	19
	1.4.3 Culture	20
	1.5 Financial literacy and its consequences	24
	1.5.1 Household financial decisions	24
	1.5.2 Retirement planning	25
	1.5.3 Investment decisions	25
	1.5.4 Wealth	27
	1.5.5 Other	27
	1.6 Improving financial literacy	32
	1.6.1 Financial education	32
	1.6.2 Financial advice	34
	1.7 Conclusion	34
	References	35
	Chapter 2: A comparative analysis of pupils’ and teachers’ financial competencies in five European countries (Kenneth De Beckker, Kristof De Witte and Oliver Holz)	41
	2.1 Introduction	41
	2.2 Data collection and methodology	42
	2.3 Descriptive statistics	42
	2.3.1 Pupils’ survey	42
	2.3.2 Teachers’ survey	45
	2.4 Descriptive results	45
	2.4.1 Pupils	45
	2.4.2 Teachers	47
	2.5 Regression results	49
	2.5.1 Pupils	49
	2.5.2 Teachers	54
	2.6 Conclusion	57
	References	57
	Appendix A: Pupils’ survey	59
	Appendix B: Teachers’ survey	64
	Appendix C: Locus of control items	66
	Chapter 3: Financial education in Flanders (Belgium) (Kristof De Witte, Kenneth De Beckker and Oliver Holz)	67
	3.1 Financial education in 2019 in Flanders (Belgium)	67
	3.1.1 Financial literacy levels	67
	3.1.2 The route to financial literacy in Flanders	71