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on Financial Literacy and Education |
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Issue of 2025–04–14
six papers chosen by Viviana Di Giovinazzo, Università degli Studi di Milano-Bicocca |
| By: | World Bank |
| Keywords: | Finance and Financial Sector Development-Financial Regulation & Supervision Finance and Financial Sector Development-Financial Structures |
| Date: | 2023–09 |
| URL: | https://d.repec.org/n?u=RePEc:wbk:wboper:40335 |
| By: | Aulia, Rizki Luthfi; Agatha, Meiyola Krisma; , Nurfadilah; Pandin, Maria Yovita R |
| Abstract: | One of the economic sectors that has attracted the most attention is the manufacturing sector, especially Micro, Small and Medium Enterprises (MSMEs). MSMEs are able to survive the existing financial crises. In addition, MSMEs also make a very large contribution to the Indonesian economy. This article aims to determine the effect of Financial Literacy and Financial Behavior on Financial Resilience in MSMEs in Surabaya, especially in the Ngagel Village. The objects that become variables in this study are Financial Literacy, Financial Behavior, and Financial Resilience. The subjects in this study were MSME actors. This article is a quantitative descriptive using primary data in the form of a questionnaire distributed to MSME actors. The results of this article can be concluded that financial literacy and financial behavior have a positive effect on Financial Resilience in MSMEs to improve behavior in managing business finances well for financial well-being. |
| Date: | 2023–06–15 |
| URL: | https://d.repec.org/n?u=RePEc:osf:osfxxx:6y2gf_v1 |
| By: | Fadlia, Irma Nur; Tarihoran, Hana Damayanti; Rahayu, Cindy Septiana; Pandin, Maria Yovita R |
| Abstract: | This research aims to understand the role of financial technology in the financial resilience of students from the Faculty of Economics and Business at UNTAG Surabaya. A qualitative research method was employed, with interviews as the data collection technique. The respondents were students from the Faculty of Economics and Business at UNTAG Surabaya who use financial technology in managing their finances. The results indicate that financial technology plays an important role in improving the financial resilience of students. Financial technology facilitates financial access and provides flexibility in financial management. However, there are also risks that need to be considered, such as data security and addiction to the use of financial technology. Therefore, there is a need for responsible use of financial technology and efforts to enhance financial literacy among students. |
| Date: | 2023–06–17 |
| URL: | https://d.repec.org/n?u=RePEc:osf:osfxxx:fxdys_v1 |
| By: | Estianingtyas, Farah; Jofanka, Alinda Dwi; Sa’diyah, Shofiatus; Pandin, Maria Yovita R |
| Abstract: | The purpose of this study was to determine the effect of intelligence and financial literacy on the financial resilience of Micro, Small and Medium Enterprises in the Jambangan Culinary Tourism Center, Surabaya. This research was conducted on the type of business, namely in the culinary or trading business sector with a sample size of 30 micro, small and medium enterprises. In this study using a quantitative approach method. This study uses multiple linear regression techniques for hypothesis analysis. The results of the study show that intelligence and financial literacy have a high impact of 57, 1% on the financial resilience of Micro, Small and Medium Enterprises in the Jambangan Culinary Tourism Center, Surabaya. |
| Date: | 2023–06–15 |
| URL: | https://d.repec.org/n?u=RePEc:osf:osfxxx:6ej8d_v1 |
| By: | Himanshi Jain; Wendy Cunningham |
| Keywords: | Social Protections and Labor-Employment and Unemployment Finance and Financial Sector Development-Access to Finance Finance and Financial Sector Development-Financial Literacy Macroeconomics and Economic Growth-Economic Investment & Savings |
| Date: | 2023–10 |
| URL: | https://d.repec.org/n?u=RePEc:wbk:wboper:40548 |
| By: | Evrard, Johanne; Parisi, Laura; Rouveyrol, Clément; van Overbeek, Fons; Arampatzi, Alexia-Styliani; Christie, Rebecca |
| Abstract: | The European Union requires a single market for capital. Well-developed and integrated capital markets support economic growth and resilience across the region, offering benefits for businesses, households, and financial stability. This paper examines the importance of CMU in achieving five strategic objectives: supporting innovation and productivity, financing the twin transition, shoring up pension savings, strengthening alternatives to bank financing, and fostering convergence and inclusion. It highlights the progress made over the past decade, the challenges encountered, and the renewed impetus behind the CMU initiative. The paper proposes concrete steps to move forward, building on long-standing priorities supported by the ECB and the current policy debate on CMU. First, it suggests facilitating access to capital markets, via the creation of a new standard for a European savings and investment product. Second, it emphasises the importance of expanding capital markets across-borders which would be facilitated by improvements towards a more integrated supervisory ecosystem, an integrated trading and post-trading landscape leveraging on the potential benefits of digitalisation, and a more active securitisation market that does not compromise on financial stability. Third, the paper highlights the need to channel capital towards innovative and competitive firms by increasing opportunities for equity and venture capital financing. These actions should be complemented by longer-term initiatives, including continuing to address barriers stemming from the lack of harmonisation in insolvency, corporate and taxation regimes, designing a safe asset for Europe, completing the Banking Union, and promoting financial literacy and inclusion. JEL Classification: E61, F36, G18, G24, G51, O16 |
| Keywords: | capital markets union, convergence, financial integration, innovation financing, savings |
| Date: | 2025–03 |
| URL: | https://d.repec.org/n?u=RePEc:ecb:ecbops:2025369 |