Finanzielle Allgemeinbildung

Reifner, Udo

doi:10.5771/9783845258652

Cited by 9 publications

(4 citation statements)

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“…At present, it is already possible to draw on a number of national and international studies, but some of these studies differ considerably in their conceptual design (Aprea, 2012; Kaminski and Friebel, 2012). One reason for this is that the studies refer to different constructs, such as financial knowledge, financial literacy, financial education, or financial capability, which are not uniformly defined in the literature (Aprea, 2012; Liening and Mittelstädt, 2011; Reifner, 2011). In addition, the studies differ in their conceptualization of financial literacy and, thus, use different models of financial literacy, indicating a different concept of a financially educated person (Aprea, 2014).…”

Section: Conceptualization Of Financial Literacymentioning

confidence: 99%

“…This includes the ability to critically reflect one’s own needs and purchase decisions, with the overall objective to reduce information asymmetries existing in consulting and sales situations. Also, the rights and obligations of consumers in their relationship with other financial market players are relevant in this approach (Aprea, 2014; for a recent study see Reifner, 2011). The central idea of a responsible economic citizen (third concept) is about embedding personal financial decisions in an expanded and comprehensive context of the economy and society.…”

Section: Conceptualization Of Financial Literacymentioning

confidence: 99%

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Does gender matter for the use of learning opportunities? Potential explanation for the gender gap in financial literacy

Rudeloff¹,

Brahm²,

Pumptow

2019

Citizenship, Social and Economics Education

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Financial literacy is becoming increasingly important, in particular for adolescents since they are exposed to financial services earlier and earlier. At the same time, empirical studies indicate that male learners show higher financial literacy than women; however, other studies find significant or contrary differences between male and female learners. These partially contradictory results make it necessary to investigate such gender-specific effects in more detail. This article addresses two questions to contribute to the literature on financial literacy: first, in which financial content areas are there significant performance differences between female and male adolescents? Secondly, does the relationship between learning opportunities and financial education differ among pupils? The analyses are based on a sample of 530 secondary students from Germany. The results indicate that female students show higher test results for the financial literacy dimensions money and payments, and insurance, male students perform better regarding the dimensions savings and monetary policy. Furthermore, learning opportunities may contribute differently to the gender gaps. We contribute to the literature by investigating the important question of gender gap for five different dimensions of financial literacy and by showing that different learning opportunities play a role in the development of students’ financial literacy.

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Section: Conceptualization Of Financial Literacymentioning

confidence: 99%

Section: Conceptualization Of Financial Literacymentioning

confidence: 99%

Does gender matter for the use of learning opportunities? Potential explanation for the gender gap in financial literacy

Rudeloff¹,

Brahm²,

Pumptow

2019

Citizenship, Social and Economics Education

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“…14 For an overview of financial education in German school curricula see Reifner (2003). experience with stock investments.…”

Section: Understanding Of Risk and Diversificationmentioning

confidence: 99%

Financial Literacy and Retirement Planning in Germany

Bucher‒Koenen

Lusardi

2011

SSRN Journal

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We examine financial literacy in Germany using data from the SAVE survey. We find that knowledge of basic financial concepts is lacking among women, the less educated, and those living in East Germany. In particular, those with low education and low income in East Germany have little financial literacy compared to their West German counterparts. Interestingly, there is no gender disparity in financial knowledge in the East. In order to investigate the nexus of causality between financial literacy and retirement planning we develop an IV strategy by making use of regional variation in the financial knowledge of peers. We find a positive impact of financial knowledge on retirement planning.

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“…The first scientific coverage of the topic followed in 2003 with a book on financial literacy and its effect on preventing poverty (Reifner 2003). The financial literacy level of the German population was assessed in 2003 using a representative survey among 1,000 Germans aged 18 to 65 years.…”

Section: Is Financial Illiteracy a Problem?mentioning

confidence: 99%

Survey-Based Study on Partial Aspects of Retirement Decisions of Private Persons in Germany

Honekamp

2014

Schriften Aus Der Fakultät Sozial- Und Wirtschaftswissenschaften Der Otto-Friedrich-Universität Bamberg

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Finanzielle Allgemeinbildung

Abstract: Bibliografische Information Der Deutschen BibliothekDie Deutsche Bibliothek verzeichnet diese Publikation in der Deutschen Nationalbibliografie; detaillierte bibliografische Daten sind im Internet über http://dnb.ddb.de abrufbar.

Cited by 9 publications

References 0 publications

Does gender matter for the use of learning opportunities? Potential explanation for the gender gap in financial literacy

Does gender matter for the use of learning opportunities? Potential explanation for the gender gap in financial literacy

Financial Literacy and Retirement Planning in Germany

Survey-Based Study on Partial Aspects of Retirement Decisions of Private Persons in Germany

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