School and family environments promote adolescents’ financial confidence : Indirect paths to financial literacy skills in Finnish PISA 2018
Silinskas, G., Ahonen, A. K., & Wilska, T. (2023). School and family environments promote adolescents’ financial confidence : Indirect paths to financial literacy skills in Finnish PISA 2018. Journal of Consumer Affairs, 57(1), 593-618. https://doi.org/10.1111/joca.12513
Julkaistu sarjassa
Journal of Consumer AffairsPäivämäärä
2023Oppiaine
PsykologiaSosiologiaResurssiviisausyhteisöKoulutuksen tutkimuslaitosPsychologySosiologySchool of Resource WisdomFinnish Institute for Educational ResearchTekijänoikeudet
© 2023 The Authors. Journal of Consumer Affairs published by Wiley Periodicals LLC on behalf of American Council on Consumer Interests.
This study investigates the associations of adolescents’ financial socialization factors—financial education in school and families—with financial confidence (i.e., confidence in using financial and digital financial services). In addition, we examine how financial socialization factors indirectly relate to financial literacy skills through financial confidence and the role of demographic factors (adolescent gender, grade level, parental education, family wealth) on financial socialization, financial confidence, and financial literacy scores. We used data on the 4,328 Finnish 15-year-olds participating in the 2018 Programme for International Student Assessment (PISA). We measured financial literacy by cognitive test items and assessed financial socialization and financial confidence by adolescent questionnaires. First, the results showed that financial education in school positively predicted adolescents’ confidence in using financial and digital financial services. Second, financial education at schools and in families indirectly predicted students’ financial literacy through confidence in using digital financial services. Third, older adolescents were more exposed to financial education at school and in families, whereas adolescents from wealthier families and girls (vs. boys) were exposed to a more frequent discussion of financial matters with parents at home. Furthermore, the boys were more confident in using financial services than the girls, although the financial literacy score did not differ by gender; older adolescents were more confident in using financial services and achieved better financial literacy than younger ones. Finally, higher parental education in the family related to higher financial literacy but not to higher financial confidence, whereas family wealth was related to higher financial confidence but not financial literacy.
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Julkaisija
Wiley-BlackwellISSN Hae Julkaisufoorumista
0022-0078Asiasanat
Julkaisu tutkimustietojärjestelmässä
https://converis.jyu.fi/converis/portal/detail/Publication/176571212
Metadata
Näytä kaikki kuvailutiedotKokoelmat
Rahoittaja(t)
Suomen AkatemiaRahoitusohjelmat(t)
Tutkijatohtori, SA; Akatemiatutkija, SA; Akatemiatutkijan tutkimuskulut, SA; Strategisen tutkimuksen ohjelmat STN, SALisätietoja rahoituksesta
Academy of Finland, Strategic Research Council (SRC) Numbers: #327237 and #327242. Academy of Finland, Academy Research Fellow Numbers: #331525, #336148, and #296082.Lisenssi
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