Czasopismo
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Warianty tytułu
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Abstrakty
RESEARCH OBJECTIVE: The article attempts a diagnosis of the financial literacy and activity of consumers in aspects related to financial management, sources of financial knowledge, knowledge of the market offer of banks, and having their own account in the group of young consumers from the Lublin region.
RESEARCH PROBLEM AND METHODS: The group of young consumers constitutes one of the market's largest and most developing consumer groups and is classified as a particularly vulnerable group. Our study was conducted on a random sample of 261 students aged 17-18 attending the second grade of grammar and technical secondary schools in selected poviats (counties) of the Lublin region, based on the criterion of population wealth.
THE PROCESS OF ARGUMENTATION: Based on the relevant literature and the quantitative survey. The collected data were analyzed using basic analysis methods (such as independence tests and correspondence analysis).
RESEARCH RESULTS: The study showed that more than 70% of young people from the Lublin region have financial resources at their disposal. However, only 16.7% of them attempts to manage their own finances. More than half of them have a bank account, but the knowledge of the market offer targeted by banks at this target group is low. Statistical analyses showed an impact of the cultural capital represented by the mother's education and place of residence on the financial activity of the youth.
CONCLUSIONS, INNOVATIONS, AND RECOMMENDATIONS: Young people are often unaware of the market offer addressed to them and rarely attempt to consciously manage their financial resources. Research shows that the young generation has limited opportunities to expand their financial knowledge and, consequently, implement reasonable financial practices. Simultaneously, young consumers are the most promising target group, especially in the context of an ageing society and the low loyalty of individual buyers. (original abstract)
RESEARCH PROBLEM AND METHODS: The group of young consumers constitutes one of the market's largest and most developing consumer groups and is classified as a particularly vulnerable group. Our study was conducted on a random sample of 261 students aged 17-18 attending the second grade of grammar and technical secondary schools in selected poviats (counties) of the Lublin region, based on the criterion of population wealth.
THE PROCESS OF ARGUMENTATION: Based on the relevant literature and the quantitative survey. The collected data were analyzed using basic analysis methods (such as independence tests and correspondence analysis).
RESEARCH RESULTS: The study showed that more than 70% of young people from the Lublin region have financial resources at their disposal. However, only 16.7% of them attempts to manage their own finances. More than half of them have a bank account, but the knowledge of the market offer targeted by banks at this target group is low. Statistical analyses showed an impact of the cultural capital represented by the mother's education and place of residence on the financial activity of the youth.
CONCLUSIONS, INNOVATIONS, AND RECOMMENDATIONS: Young people are often unaware of the market offer addressed to them and rarely attempt to consciously manage their financial resources. Research shows that the young generation has limited opportunities to expand their financial knowledge and, consequently, implement reasonable financial practices. Simultaneously, young consumers are the most promising target group, especially in the context of an ageing society and the low loyalty of individual buyers. (original abstract)
Czasopismo
Rocznik
Tom
Strony
159--182
Opis fizyczny
Twórcy
autor
- Uniwersytet Marii Curie-Skłodowskiej w Lublinie
autor
- Uniwersytet Marii Curie-Skłodowskiej w Lublinie
autor
- Uniwersytet Marii Curie-Skłodowskiej w Lublinie
autor
- Uniwersytet Marii Curie-Skłodowskiej w Lublinie
Bibliografia
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- Are Students Smart About Money?, OECD, PISA 2018 Results. (2020), OECD, vol. IV.
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- Bamforth, J., & Geursen, G. (2017). Categorizing the money management behaviour of young consumer. Young consumers, 45, 227-241.
- Barembruch, A. (2012). Edukacja i wiedza finansowa a zarządzanie finansami osobistymi. Ekonomiczne problemy usług, 96, 127-140.
- Danes, S.M., & Haberman H. (2007). Teen Financial Knowledge, Self-Efficacy, and Behavior: A Gendered View. Journal of Financial Counseling and Planning, 18(2), 48-62. https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2228406 (dostęp: 6.12.2022).
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- Global Financial Inclusion. The World Bank, Data Bank. https://databank.worldbank.org/source/global-financial-inclusion (dostęp: 10.10.2021).
- Grusec, J.E., & Davidov, M. (2008). Socialization in the Family: The Roles of Parents. In J.E. Grusec, & P.D. Hastings (Eds.), Handbook of Socialization: Theory and Research (pp. 284-308). New York and London: Guilford Press.
- Husiatyńska, R. (2018). Wpływ edukacji finansowej na świadomość podejmowanych decyzji finansowych przez społeczeństwo. Europa Regionum, 1 (XXXIV), 41-51.
- Huston, S.J. (2010). Measuring financial literacy. Journal of Consumer Affairs, 44, 296-316.
- Kołodziej, S. (2015). Wczesna aktywność ekonomiczna i zawodowa - wzajemne zależności. In T. Chirkowska-Smolak, & J. Grobelny (Eds.), Człowiek na rynku pracy. Wyzwania i zagrożenia (s. 61-70). Kraków: Wydawnictwo LIBRON.
- Krajewska, A. (2019). Do pracy czy na studia? Zmiany w decyzjach edukacyjnych młodzieży. Komunikat z badań CBOS, 143, 1-12. https://cbos.pl/SPISKOM.POL/2019/K_143_19.PDF (dostęp: 10.10.2021).
- LeBaron, A.B., Holmes E.K., Jorgensen, B.L., & Bean, R.A. (2020). Parental Financial Education During Childhood and Financial Behaviors of Emerging Adults. Journal of Financial Counselling and Planning, 31(1), 42-54.
- Lejman-Gąska, A., & Ogórek, M. (2019). Świadomość finansowa młodych dorosłych w Polsce jako wrażliwej grupy demograficznej. Rozprawy ubezpieczeniowe. Konsument na rynku usług finansowych, 33, 11-32.
- Loke, V., Choi, L., & Libby, M., (2015). Increasing Youth Financial Capability: An Evaluation of the MyPath Savings Initiative. The Journal of Consumer Affairs, 49(1), 97-126.
- Młodzi Polacy radzą sobie z finansami. (2020). Filary Biznesu. https://filarybiznesu.pl/mlodzi-polacy-radza-sobie-z-finansami/a4813 (dostęp: 10.10.2021).
- Musiał, M. (2016). Znaczenie wiedzy finansowej w procesie zarządzania finansami osobistymi, Finanse i Prawo finansowe, 3, 97-108.
- Omyła-Rudzka, M. (2019). Warunki materialne młodzieży kończącej szkoły ponadgimnazjalne. In M. Grabowska, & M. Gwiazda (Eds.), Młodzież 2018 (34-43). CBOS.
- Paczka, E. (2020). Zmiana zachowań rynkowych pokolenia Z. Ekonomia - Wrocław Economic Review 26(1), 21-34.
- Pahlevansharif, S., & Naghavi, N. (2020). Family financial socialization, financial information seeking behavior and financial literacy among youth. Asia-Pacific Journal of Business Administration, 12(2), 163-181.
- PISA 2015 Results (Students' financial literacy). (2017). OECD. https://read.oecd-ilibrary.org/education/pisa-2015-results-volume-iv_9789264270282-en
Typ dokumentu
Bibliografia
Identyfikatory
Identyfikator YADDA
bwmeta1.element.ekon-element-000171659572
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