Finance · Literature

Research papers on Financial literacy

Recent and highly-cited academic work on financial literacy, gathered from Semantic Scholar, CrossRef and OpenAlex.

1. Does Financial Education Impact Financial Literacy and Financial Behavior, and If So, When?

   Tim Kaiser, Lukas Menkhoff · 2017 · The World Bank Economic Review · 363 citations

   In a meta-analysis of 126 impact evaluation studies, we find that financial education significantly impacts financial behavior and, to an even larger extent, financial literacy. These results also hold for the subsample of randomized experiments (RCTs). However, intervention impacts are highly heterogeneous: financial education is less effective for low-income clients as well as in low- and lower-middle–income economies. Specific behaviors, such as the handling of debt, are more difficult to influence and mandatory financial education tentatively appears to be less effective. Thus, intervention success depends crucially on increasing education intensity and offering financial education at a

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2. Discounting financial literacy: Time preferences and participation in financial education programs

   Stephan Meier, Charles D. Sprenger · 2013 · Journal of Economic Behavior & Organization · 190 citations

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3. Influence of Financial Literacy and Use of Financial Technology on Financial Satisfaction through Financial Behavior

   Mamik Nur Farida, Yoyok Soesatyo, Tony Seno Aji · 2021 · International Journal of Education and Literacy Studies · 30 citations

   Financial behavior is a means by which a person treats, manages, and uses available financial resources. This research aims to determine the effect of financial literacy and the use of financial technology on financial satisfaction through financial behavior as an intervening factor. Data were collected from 112 economics teachers using purposive proportional random sampling technique. Structural Equation Modeling (SEM) with AMOS 26 software was used to analyze the data. The results of this research indicate that financial literacy has no effect on financial behavior, but the use of financial technology has an effect on financial behavior, financial literacy and the use of financial technolo

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4. The Effect of Financial Literacy, Income and Self Control on Financial Behavior Generation Z (Study on Generation Z Financial Behavior in Bekasi Regency)

   Gea Trivani, Erin Soleha · 2023 · Economic Education Analysis Journal · 6 citations

   Financial behavior is an important thing to pay attention to, with good financial behavior a person will beable to meet his needs both from the short and long term. The purpose of this study was to determine and analyze the effect of financial literacy, income and self-control on thelimited financial behavior of generation Z. The population of this study is generation Z in Bekasi Regency. This studyused quantitative research with data collection techniques using questionnaires. The sampling technique in this study is by using urposive sampling techniques, so that the number of samples inthis study was 100 respondents. And the technique of data analysis inthis research is using Structural Equ

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5. Pengaruh Financial Literacy, Financial Attitude, Financial Technology, Sefl-Control, dan Hedonic Lifestyle terhadap Financial Behavior pada Generasi Z di Jawa Timur

   Nabila Ganes Putri Utami, Yuyun Isbanah · 2023 · Jurnal Ilmu Manajemen · 2 citations

   Generasi Z merupakan populasi terbesar di Indonesia. Namun, generasi Z memiliki kualitas perilaku keuangan yang terus menurun. Penelitian ini bertujuan untuk mengetahui pengaruh financial literacy, financial attitude, financial technology, self-control, dan hedonic lifestyle terhadap financial behvaior pada generasi Z di Jawa Timur. Jenis data yang digunakan adalah data kuantitatif yang bersumber dari data primer. Populasi penelitian ini adalah generasi Z di Jawa Timur. Teknik pengambilan sampel menggunakan purposive sampling dan diperoleh 297 responden sebagai sampel dalam penelitian ini. Adapun karakteristik responden merupakan generasi Z yang berusia 17-26 tahun serta memiliki atau pernah

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6. Financial Education, Parent's Income, Financial Literacy on Financial Management Behavior through Self-Financial Efficacy in Students

   Muhammad Syarifuddin Ahzab, Dies Nurhayati, Etta Mamang Sangadji · 2023 · International Journal of Economic Research and Financial Accounting (IJERFA) · 1 citations

   Globalization is marked by the rapid advancement of technology, which will impact human thinking patterns and tend to encourage individuals to get trapped in consumer behavior. The lack of financial literacy makes society vulnerable to financial problems. Therefore, the importance of the role of both the community and the government in providing education on financial literacy is crucial. One of the government's roles, through OJK, is to provide education on Financial Literacy to the public, especially students and scholars. The community's role can start from within the family circle, by educating children about family financial management from an early age. Consequently, financial educatio

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7. Financial Prosperity of Households through Financial Literacy, Financial Management Behavior and Financial Participation: Empirical Study

   S. M. Riha Parvin, Niyaz Panakaje · 2022 · International Journal of Case Studies in Business, IT, and Education · 1 citations

   Objective: Financial Prosperity of any households is the major aim of developing countries as it highly determines the economic status of a country. As a result, this research was performed to examine many elements influencing the Financial Prosperity (FWB) of households in the Dakshina Kannada region. Simultaneously, researchers aim to analyse Financial Prosperity enhancement through Financial participation (FI), financial literacy (FL) and Financial Management Behavior (FB). Methodology: The set of questions in a well-thought-out form was utilized to gather data for this research. The data collection survey received 398 replies, which were then analysed using a range of statistical approac

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8. Financial Behavior Determinants and Literacy Gaps Among Vietnamese University Students: Evidence for Early-Stage Financial Education Policy

   Trung Hai TRAN · 2025 · Journal of Economics, Finance And Management Studies

   This study investigates the determinants of financial behaviour and literacy gaps among Vietnamese university students, providing empirical evidence for early-stage financial education policy development. Through a comprehensive quantitative analysis employing structural equation modelling (SEM) and fuzzy-set qualitative comparative analysis (fsQCA), the research examines the complex relationships between financial knowledge, attitudes, behaviours, and socio-demographic factors among 487 university students across Hanoi's leading institutions. The findings reveal significant literacy gaps in investment knowledge and debt management, with financial attitudes serving as a critical mediating fa

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9. The Influence of Financial Literacy and Financial Behavior on Financial Well-being Moderated by Family Economic Education

   Dhani Aliffansyah, Sudarno, Muhammad Sabandi · 2024 · Economic Education Analysis Journal

   This study aims to (1) the effect of financial literacy on financial well-being of UNS students; (2) the effect of financial behavior on financial well-being of UNS students; (3) the effect of family economics education in strengthening financial literacy and financial behavior on financial well-being of UNS students. This research was quantitative research with a population of UNS students. This study used 269 samples by using probably sampling technique. The data collection technique was used a Likert scale of 1-5 points and a dummy variable which was distributed directly via the Google form. Test the validity of the instrument using Confirmatory Factor Analysis (CFA) and test the reliabil

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10. PENGARUH FINANCIAL ATTITUDE, FINANCIAL EDUCATION, FINANCIAL KNOWLEDGE, FINANCIAL EXPERIENCE, DAN FINANCIAL BEHAVIOR TERHADAP FINANCIAL LITERACY PADA PELAJAR KOTA BATAM

    Dewi Khornida Marheni · 2020 · Journal of Global Business and Management Review

    Penelitian ini memiliki tujuan dalam menganalisa hubungan dari beberapa variabel yaitu Financial Attitude, Financial Education, Financial Knowledge, Financial Experience, dan Financial Behavior terhadap Financial Literacy pada Pelajar yang ada di Kota Batam. Pada penelitian ini menggunakan pendekatan kuantitatif, serta data primer yang menjadi sumber data yang dikumpulkan melalui penyebaran kuesioner sebanyak 450 responden yang berupa pelajar di Kota Batam. Beberapa kuesioner tidak dapat diolah karena tidak diisi dengan lengkap, setelah terkumpul data tersebut diolah melalui aplikasi perangkat lunak dengan nama SPSS versi 23. Hasil penelitian menyatakan bahwa financial attitude dan financial

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