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Financial literacy as a strategic issue: a survey from portuguese higher education students

datacite.subject.sdg04:Educação de Qualidadept_PT
datacite.subject.sdg10:Reduzir as Desigualdadespt_PT
dc.contributor.authorAntão, Mário
dc.contributor.authorNunes, Cristina
dc.contributor.authorSilvestre, Cláudia
dc.contributor.authorCaldeira, João
dc.contributor.authorMartinho, Carla
dc.contributor.authorNegas, Mário Carrilho
dc.date.accessioned2022-11-21T13:01:09Z
dc.date.available2022-11-21T13:01:09Z
dc.date.issued2022
dc.description.abstractObjective – This paper addresses the financial literacy issue in different countries and contexts, comparing it with the financial Literacy of Portuguese Higher Education Institutions (HEI) students. The objective is to identify the growing need for knowledge in this area and to correct the population's attitude and behavior. This study identifies the main conditioning variables of the financial Literacy of this group of individuals, contributing to developing conditions and procedures that would improve the financial Literacy of European students as an essential element of their personal and professional success. Methodology –This study was based on a survey using a sample of 1017 students from 18 institutions. Ordinal regression was used to determine the predictors of financial Literacy. Findings – The literature review shows different results of structural aspects of the same central questions related to financial Literacy among HEI students. The conclusions of the study are in line with the literature review. Nevertheless, Empirical research shows that Portuguese students' financial Literacy is lower than students from other countries, highlighting the need to improve their knowledge in this area by correcting the focus group's attitude and behavior. The study identifies the main conditioning variables of the financial Literacy of this group of individuals. Novelty – HEI students who study finance present a higher level of financial knowledge and relatively more confidence in managing their money, the same for working students. No significant gender differences are observed, and these facts align with some authors. However, it is noteworthy to mention that several researchers observe alternative conclusions. This study shows an evolution of the situation followed twelve years earlier, with the same population, but confirms HEI students' low financial literacy level. This research also contributes to the main study promoted by OECD and included on the 2030 agenda of the United Nations (U.N.)pt_PT
dc.description.sponsorshipThe authors would like to acknowledge all the participants in the study. National funds funded this research through FCT -Fundação para a Ciência e a Tecnologia, I.P., under Project "UIDB/04005/2020"pt_PT
dc.description.versioninfo:eu-repo/semantics/publishedVersionpt_PT
dc.identifier.citationAntão, M; Nunes, C; Silvestre, C; Caldeira, J; Martinho, C; Negas, M. (2022). Financial literacy; financial knowledge; financial attitude; financial behavior; higher education students, Portugal, J. Bus. Econ. Review, 7(2), 141–150. https://doi.org/10.35609/jber.2022.7.2(3)pt_PT
dc.identifier.doi10.35609/jber.2022.7.2(3)pt_PT
dc.identifier.eissn0128-259X
dc.identifier.issn2636-9184
dc.identifier.urihttp://hdl.handle.net/10400.2/12612
dc.language.isoengpt_PT
dc.peerreviewedyespt_PT
dc.relationResearch Centre in Organizations, Markets and Industrial Management (COMEGI)
dc.subjectFinancial literacypt_PT
dc.subjectFinancial knowledgept_PT
dc.subjectFinancial attitudept_PT
dc.subjectFinancial behaviorpt_PT
dc.subjectHigher education studentpt_PT
dc.titleFinancial literacy as a strategic issue: a survey from portuguese higher education studentspt_PT
dc.typejournal article
dspace.entity.typePublication
oaire.awardTitleResearch Centre in Organizations, Markets and Industrial Management (COMEGI)
oaire.awardURIinfo:eu-repo/grantAgreement/FCT/6817 - DCRRNI ID/UIDB%2F04005%2F2020/PT
oaire.citation.endPage150pt_PT
oaire.citation.issue7pt_PT
oaire.citation.startPage141pt_PT
oaire.citation.titleJournal of Business and Economics Reviewpt_PT
oaire.fundingStream6817 - DCRRNI ID
person.familyNameGuerreiro Antão
person.familyNameNunes
person.familyNameSilvestre
person.familyNameCaldeira
person.familyNameMartinho
person.familyNameNegas
person.givenNameMário Alexandre
person.givenNameCristina Isabel Nunes de
person.givenNameCláudia
person.givenNameJoão
person.givenNameCarla
person.givenNameMário Carrilho
person.identifierCláudia Marisa Silvestre
person.identifier.ciencia-idE61A-68EC-5C4A
person.identifier.ciencia-idC31D-DD98-87ED
person.identifier.ciencia-idDA12-EF3F-C7CD
person.identifier.ciencia-id9C11-021F-D7ED
person.identifier.ciencia-id201C-F44D-2254
person.identifier.orcid0000-0003-4667-7060
person.identifier.orcid0000-0002-5975-7230
person.identifier.orcid0000-0001-7675-7390
person.identifier.orcid0000-0003-3541-1160
person.identifier.ridM-4183-2013
person.identifier.scopus-author-id55632282800
person.identifier.scopus-author-id55481969600
project.funder.identifierhttp://doi.org/10.13039/501100001871
project.funder.nameFundação para a Ciência e a Tecnologia
rcaap.rightsrestrictedAccesspt_PT
rcaap.typearticlept_PT
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