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This book, the first major study of financial education at the international level, contributes to the development of consumer financial literacy by providing information to policy makers on effective financial education programmes and by promoting the exchange of views and the sharing of experience in the field of financial education and awareness. It identifies and analyses financial literacy surveys in member countries, highlights the economic, demographic and policy changes that make financial education increasingly important, and describes the different types of financial education programmes currently being offered in OECD countries. Finally, this book evaluates the effectiveness of financial education programmes and introduces the OECD Council Recommendation on Principals and Good Practices for Financial Education and Awareness.

Finance --- Financial literacy. --- Study and teaching. --- Capability, Financial (Financial literacy) --- Financial capability (Financial literacy) --- Literacy, Financial --- Funding --- Funds --- Life skills --- Finance, Personal --- Economics --- Currency question

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Der produktive Gebrauch von Finanzdienstleistungen ist zum Schlüssel für die Teilhabe am modernen Wirtschaftsleben geworden. "Finanzielle Allgemeinbildung" soll in der Kommunikation zwischen Anbietern und Kunden die Fähigkeit beider Seiten erhöhen, Finanzdienstleistungen und Lebensbedürfnisse besser aufeinander abzustimmen. Ohne sie wird die moderne Kreditgesellschaft höhere Überschuldung, Ausschluss und Risiken vor allem für die unteren Bevölkerungsschichten mit sich bringen. Ansätze für eine »Finanzielle Allgemeinbildung« haben sich in der Bundesrepublik im Vergleich zu den USA und Großbritannien erst in Anfängen etabliert. Die vorliegende, mit Unterstützung des Bundesministeriums für Familie, Senioren, Frauen und Jugend im Rahmen eines Forschungsprojektes von 1999 und 2001 im Institut für Finanzdienstleistungen e.V. (iff) durchgeführte Untersuchung will diese Diskussion eröffnen. Sie setzt sich kritisch mit Bildungskonzepten in Deutschland und vergleichend in den USA und Großbritannien auseinander, ermittelt die Ziele sowie methodische Ansätze einer »Finanziellen Allgemeinbildung« aus der Perspektive eines sozialen Verbraucherschutzes. Prof. Dr. Udo Reifner ist Direktor des iff e.V.

Financial literacy. --- Poverty --- Prevention --- Destitution --- Wealth --- Basic needs --- Begging --- Poor --- Subsistence economy --- Capability, Financial (Financial literacy) --- Financial capability (Financial literacy) --- Literacy, Financial --- Life skills --- Finance, Personal

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This symposium proceedings examines three aspects of financial education: monitoring and evaluation, use of behavioral economics,  and financial literacy and defined contribution pension plans.

Education -- Indonesia -- Evaluation. --- Education -- Indonesia. --- Education and state -- Indonesia. --- Education. --- Finance --- Financial literacy --- Business & Economics --- Finance - General --- Study and teaching --- Capability, Financial (Financial literacy) --- Financial capability (Financial literacy) --- Literacy, Financial --- Funding --- Funds --- Life skills --- Finance, Personal --- Economics --- Currency question --- Italy

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Are people ready to take pivotal financial decisions like choosing a mortgage, saving for retirement, or investing their savings? How does the degree of knowledge about financial products and services affect the quality of their choices? Can financial fraud be prevented by increasing consumer financial knowledge? Financial Literacy in Europe addresses these important questions and more. In the first part, the author investigates the concept of financial literacy by analyzing its components and comparing different definitions from previous studies. This then forms a comprehensive measure of financial literacy to be applied in empirical studies that analyze the role of financial literacy in explaining consumers' financial behaviors. In the second part of the study, the author uses brand new data collected by the Consumer Finance Research Center (CFRC) from several European countries (the UK, Germany, France, Italy, Sweden, and Spain) to assess financial literacy in Europe and highlight similarities and differences across countries. Filling an important gap in previous research, the author develops a rigorous approach in the measurement of financial literacy in order to examine European financial literacy issues in great detail. This book, therefore, is a useful resource for assessing the effectiveness of single financial education programs or planning national strategies on financial education. It can also support policy makers in developing financial regulation and consumer protection strategies, considering the consumer perspective and their ability to deal with financial markets and institutions.

Financial literacy --- Finance, Personal --- Financial management, Personal --- Financial planning, Personal --- Personal finance --- Personal financial management --- Personal financial planning --- Finance --- Capability, Financial (Financial literacy) --- Financial capability (Financial literacy) --- Literacy, Financial --- Life skills --- Planning

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It is a well-known saying that money does not buy happiness. But it certainly helps in life. It is important to have enough of it to satisfy our needs and to secure ourselves from emergency situations. That's what adults think. And what about the youth? What is their approach to money, what do they know about finances and how are their skills in everyday financial management coming along? What kind of knowledge and skills should be provided? Do young people in different countries represent similar or different approaches to financial matters? Using the results of a research on young people in Poland and Germany, the authors draw a picture of financial literacy. They furthermore present a number of recommendations that help developing the knowledge and the financial skills of young people in practice.

Financial literacy --- Finance, Personal --- Financial management, Personal --- Financial planning, Personal --- Personal finance --- Personal financial management --- Personal financial planning --- Finance --- Capability, Financial (Financial literacy) --- Financial capability (Financial literacy) --- Literacy, Financial --- Life skills --- Planning