Influence of Personal Characteristics on the Financial Behavior of Youth

Малкина, Марина; Rogachev, Dmitry

doi:10.17835/2076-6297.2019.11.3.135-152

Cited by 3 publications

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“…К вопросам социально-экономических и сберегательных особенностей поведения, трансформации финансовых стратегий обращались Е. И. Медведева, А. В. Ярашева, О. А. Александрова, Е. И. Борковская и другие [6; 7]. В исследовании М. Ю. Малкиной и Д. Ю. Рогачева в результате глубинного интервью было выявлено, что под финансовым успехом молодёжь понимает достижение поставленных целей, самореализацию, получение стабильного дохода [8].…”

Section: постановка проблемыunclassified

Features of the financial behavior of student youth

Rogachev

2021

Population

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The article deals with characteristic features of the financial behavior of student youth and factors affecting it. This paper is based on the results of the author's survey that was conducted in the fall of2020and covered 1242students from 17 universities in Russia. It examines the attitude of young people to saving, consumer, and investment behavior. The author sought to finds out whether the consumer preferences of young students are consistent with their financial capabilities, and whether young people are satisfied with realization of their life plans. He analyzes the sources of income of students and the sums which they consider as savings. The problems of financial dependence of the younger generation on the older ones are discussed in this article. The differences in the financial behavior of students financially dependent on parents and those leading an independent way of life are analyzed. The article presents results of the survey of students' financial behavior related both to preservation and accumulation of capital, and to general strategies of saving behavior—saving for purchasing goods, medical treatment and services, education, etc. There are considered financial instruments used or planned to be used by the respondents in case of saving large sums of money. The article shows the differences in investment behavior, in use of financial instruments between independent and financially dependent students. There are examined discrepancies between the consumer preferences and the financial capabilities of student youth. The conducted study allows drawing a conclusion about the influence of family and parents, their attitudes, and views on the financial decisions of students, which are not always rational.

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Section: постановка проблемыunclassified

Features of the financial behavior of student youth

Rogachev

2021

Population

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Designing a Financial Literacy Course for Universities Using the Mind Mapping Methodology

MUKHAMETDINOVA,

TYUMENTSEVA

2023

Standards and Monitoring in Education

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One of the most urgent problems of modern Russia is the problem of insufficient financial literacy of the population in the field of effective management of personal funds, the use of banking products and investment instruments. Teaching financial literacy to university students, as the most promising part of the youth, is the most important task facing the higher education system of the Russian Federation. The purpose of the study is to design a financial literacy course for universities using the Mind mapping methodology based on the results of a sociological survey of Omsk university student.

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Analysis of indicators of financial behavior of Moscow youth in modern realities

Alikperova

2022

Living Standards of the Population in the Regions of Russia

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The large-scale transformations that have taken place in Russia over the past 25 years have caused the intensive development and meaningful content of a special type of economic behavior of the population - financial behavior. It has become an integral factor determining the material well-being of citizens, affecting the socio-economic level of development of regions and the country as a whole. Young people, as a special group of the able-bodied population, are increasingly becoming the object of research on financial literacy, motives, and strategies of financial behavior, and a wide variety of methods for studying financial literacy of the population gives ample opportunities to choose indicators that have a key role for the study of financial behavior of young people. As for indicators of financial behavior of young people, the author suggests the following: methods of maintaining a personal budget, including criteria for managing your own funds, accounting for income and expenses; forms for saving savings (retrospective, current situation, perspective); assessment of financial instruments in terms of reliability, profitability, and accessibility; savings goals; indicators of credit behavior – readiness and plans for loans; indicators of investment behavior – investment activity, goals, tools, awareness, decision-making criteria. This article is a continuation of the reflection of scientific results in relation to the study of the behavior of young people in the financial market. Part of the results representing the monetary attitudes of young Muscovites that determine the choice of behavior strategies in the financial market is presented in No. 3 2021 of this journal. The current issue of the publication already presents the results devoted directly to the strategies of financial behavior of young people in Moscow. As a result of the conducted research, the peculiarities of financial behavior of young people were identified on the basis of the proposed indicators, and recommendations were developed for state bodies regulating the activities of financial market participants, the Central Bank of the Russian Federation, as well as financial institutions and educational organizations on the transformation of financial behavior strategies of young people into more literate forms.

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Influence of Personal Characteristics on the Financial Behavior of Youth

Cited by 3 publications

References 1 publication

Features of the financial behavior of student youth

Features of the financial behavior of student youth

Designing a Financial Literacy Course for Universities Using the Mind Mapping Methodology

Analysis of indicators of financial behavior of Moscow youth in modern realities

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