The purpose of this summative program evaluation was to determine if the High School Financial Planning Program (HSFPP) impacts the financial literacy of Kentucky high school students. The HSFPP is a national financial education program used by Kentucky public schools with the goal of improving financial literacy of participants. This evaluation is the first to use a one-group pre-test and post-test design to determine if the target group’s financial literacy is impacted by participation in the program. The results found that students’ financial literacy, and knowledge of specific components related to financial literacy, were impacted by participation. The results imply that the HSFPP is progressing toward the external stakeholders’ goal of improving Kentucky students’ financial literacy. This evaluation also piloted the use of a financial literacy measurement tool. The measurement tool was found to have several validity issues, and revisions are recommended for future evaluations.

There seems to be a definite need for financial literacy education and training, especially under young people. The lack of financial literacy seems to be from a lack of sufficient financial education. A lack in personal financial skills seems to be an international problem. The primary aim of this research is to evaluate the financial literacy competencies of university students, and to make recommendations on improving their competencies, if necessary. Financial literacy was defined as: "a financially literate individual should have a positive attitude towards his/her finances and learning, the understanding to take control of his/her own finances; the ability to discern good from bad financial decisions, and the skills to make it practical." The advantages of being financially literate seem to be overwhelming. Financial education or training seems to have a positive effect on individuals. The timing of financial literacy education, what and how to provide financial literacy education about, seems to play a vital role. It seems to have a positive impact if this training is provided early in life. There seems to be certain topics that form a vital part when compiling a personal finance curriculum, such as financial planning, budgeting, credit, investments and retirement A questionnaire was completed by third-year students from the North-West University's Potchefstroom Campus. Respondents in this study indicated that they viewed learning more about personal finance as important. Also, the respondents in this study do not appear to be financially competent in all areas. They lacked knowledge in the fields of banking, taxation, financial planning, interest rates, inflation and legal matters in terms of financial matters. Students from the Faculty of Economic and Management Sciences performed best and students from the Faculty of Health Sciences performed worst. Students who did a short course in personal finance had an advantage and students who were only exposed to this at school level performed worst. The challenge to educate scholars and students to be responsible, economic participants is great and a call is made to role players to attend to this as soon as possible. / Thesis (M.Com. (Forensic Accountancy))--North-West University, Potchefstroom Campus, 2010.

There seems to be a definite need for financial literacy education and training, especially under young people. The lack of financial literacy seems to be from a lack of sufficient financial education. A lack in personal financial skills seems to be an international problem. The primary aim of this research is to evaluate the financial literacy competencies of university students, and to make recommendations on improving their competencies, if necessary. Financial literacy was defined as: "a financially literate individual should have a positive attitude towards his/her finances and learning, the understanding to take control of his/her own finances; the ability to discern good from bad financial decisions, and the skills to make it practical." The advantages of being financially literate seem to be overwhelming. Financial education or training seems to have a positive effect on individuals. The timing of financial literacy education, what and how to provide financial literacy education about, seems to play a vital role. It seems to have a positive impact if this training is provided early in life. There seems to be certain topics that form a vital part when compiling a personal finance curriculum, such as financial planning, budgeting, credit, investments and retirement A questionnaire was completed by third-year students from the North-West University's Potchefstroom Campus. Respondents in this study indicated that they viewed learning more about personal finance as important. Also, the respondents in this study do not appear to be financially competent in all areas. They lacked knowledge in the fields of banking, taxation, financial planning, interest rates, inflation and legal matters in terms of financial matters. Students from the Faculty of Economic and Management Sciences performed best and students from the Faculty of Health Sciences performed worst. Students who did a short course in personal finance had an advantage and students who were only exposed to this at school level performed worst. The challenge to educate scholars and students to be responsible, economic participants is great and a call is made to role players to attend to this as soon as possible. / Thesis (M.Com. (Forensic Accountancy))--North-West University, Potchefstroom Campus, 2010.

The aim of the diploma thesis is to explore the activities of the countries of the European Union in the district of financial literacy and to draw conclusions and eventually recommendations for the Czech Republic. At first, activities were detected in the district of financial literacy of the Czech Republic, Slovakia, Germany, Austria and New Zealand and consequently were drew conclusions. Severally countries have developed many projects for improving financial literacy, but financial literacy isn´t still equally high in these countries, as it was showed by research PISA 2012. Next, questionaire relevant to financial institutions was applied to inhabitants of South Bohemia. The research was evaluated graphically and statistically. For statistical evaluation was used test assessment of independence Chi-quadrat for contingent table. The results of own research are very disturbing. Inhabitants of South Bohemia lack knowledge of important financial notions, they don´t know the difference between debit and credit cards and they don´t know, what is the APRC. One of the important results of the questionaire includes trust of the people to staff of the branches of banks or insurance companies. These people would contacted with most respondents in the case of dissatisfaction with the course of financial services. Contrariwise, people behave distrust to financial advisors, a few respondents use their services. The results of research correspond to the general level of financial literacy in the Czech Republic, which was discovered by general methods based on researches of Czech National Bank or PISA before now.

This master's thesis maps the current state of Czech primary schools in the times when the standards defined in the document "Systém budování finanční gramotnosti na základních a středních školách" were implemented into RVP and subsequently into ŠVP as well. The theoretical part describes the issue of financial literacy and progress of the aforementioned implementation into RVP. The next chapter is focused on the first large survey of financial literacy PISA 2012 which was under the auspices of OECD (Organisation for Economic Co-operation and Development). The last chapter of the theoretical part deals with analysis of learning materials which are available to help improve financial literacy. I used method of didactic test in my research and its methodology and analysis are described in another part of this thesis.

Made available in DSpace on 2014-06-11T19:24:53Z (GMT). No. of bitstreams: 0 Previous issue date: 2006-07-06Bitstream added on 2014-06-13T20:52:47Z : No. of bitstreams: 1 gouvea_sas_me_rcla.pdf: 1129585 bytes, checksum: 36189ab4d04fa0d2af85c7070d0d8448 (MD5) / Coordenação de Aperfeiçoamento de Pessoal de Nível Superior (CAPES) / Nesta dissertação abordamos questões concernentes à formação inicial de professores de Matemática, a partir da incorporação das Tecnologias de Informação e Comunicação (TIC) e de idéias relacionadas à necessidade de uma Educação Financeira para todos. Neste sentido, nosso objetivo foi investigar as contribuições que surgem à prática pedagógica dos licenciandos em Matemática quando constroem e aplicam WebQuests sob o contexto da Matemática Financeira. Para tanto, um curso de Extensão sobre construção de WebQuests foi oferecido aos alunos do Curso de Licenciatura em Matemática da UNESP de Rio Claro - SP, os quais, posteriormente, utilizaram as WebQuests construídas como material didático durante o Estágio Supervisionado (prática docente) que realizaram junto a uma escola pública de Rio Claro, SP. O curso de Extensão, assim como toda a investigação aqui apresentada, foi desenvolvido tendo por base a teoria de aprendizagem construcionista. Além disso, nos embasamos em trabalhos que tratam da formação inicial docente, em especial, do professor de Matemática, e também, da importância da Educação Financeira na vida das pessoas. Baseados no estudo realizado, cremos que a partir do momento que os licenciandos vivenciarem uma formação inicial diferenciada, que privilegie também o uso das TIC na Educação, além dos conteúdos específicos, estaremos formando professores mais propensos a usarem as TIC em sua prática docente, de forma a propor a seus alunos situações nas quais eles terão que criar, discutir e refletir sobre suas ações. / In this dissertation we accosted concerning questions to the inicial formation of the Mathematics teachers, starting from the incorporation of theTechnologies of Information and Communication (TIC) and of ideas related to the need of a Financial Education for all. In this sense, our objective was to investigate the contributions that appear to the pedagogic practice of the graduates in Mathematics when they build and they apply WebQuests about the context of the Financial Mathematics. For so much, a course of Extension about construction of WebQuests was offered to the students of the Degree Course in Mathematics of UNESP, Rio Claro - SP, the ones which, later, they used WebQuests built as didactic material during the Supervised Apprenticeship (teaching practice) that accomplished a public school of Rio Claro, SP. The course of Extension, as well as all the investigation here presented, it was developed having for base the theory of learning construcionista. Besides, ourselves based in works that treat of the teaching initial formation, especially, of the Mathematics teachers, and also, of the importance of the Financial Education in the people's life. Based on the accomplished study, we believe that starting from the moment that the graduates live a differentiated initial formation, that it also privileges the use of TIC in the Education, besides the specific contents, we will be forming teachers more prone to use TIC in his educational practice, in way to propose to their students situations in which they will have to create, to discuss and to contemplate about their actions.

Nowadays, there are great governmental and educational institutions efforts to promote financial education in Brazil, driven by social and economic politics which have been adopted in this country. At the same time, there is a notable technological evolution and encouragement of information and Communication Technologies (ICT) didactics and pedagogical tools in school routine. Therefore, this scientific dissertation presents an investigation of how a gamebook can promote the financial education learning in childhood. Through a survey, characterized as exploratory using bibliographic review, it was possible to feature childhood financial education area as well as identify how it is applied at schools in Santa Maria/RS. As a result, it was obtained requirements in order to develop a learning object which could be used as a financial education disseminator. Thus, with this research it was observed that the construction of knowledge in finances has been permeated by several technological and media tools. However, the main resource which is being used to attract child attention is ludic activities. In addition, a way to work with ludic activities is the integration of game elements with book characteristics, connecting tradition and technology, in order to follow this new reality. Wherefore, considering this association it was decided to develop a gamebook, attractive tool for education, migrating from physic book to digital book. It was elaborated the gamebook "Henrique and the robot Dim" throughout a construction of a narrative presenting situations of financial choosing, creation of digital scenarios and characters, and the integration of the narrative with the digital environment and game elements. As a purpose of evaluating this gamebook, it was applied on students of fifth grade from both private and public schools in Santa Maria/RS. As a result, it was observed that the technology as a teaching tool enhances student participation during class, mostly when educational ludic activities are applied. In addition, it was noticed a possible increased student's financial education interest. This dissertation is part of Stricto Sensu Post-Graduation Program in Educational Technologies in Networks, with area of interest in Educational Technologies development, and has developed the gamebook called "Henrique and the robot Dim" / Atualmente, há um grande esforço dos governantes e instituições para promover a educação financeira no Brasil, impulsionado pelas políticas sociais e econômicas que vem sendo adotadas. Paralelamente a este movimento, há uma notável evolução tecnológica e incentivo do uso didático-pedagógico das Tecnologias da Informação e Comunicação - TIC no cotidiano escolar. Dentro deste contexto, este trabalho apresenta uma investigação de como o uso do gamebook pode apoiar a aprendizagem da educação financeira infantil. Por meio de uma pesquisa de natureza aplicada, caracterizando-se quanto aos objetivos pelo tipo exploratória, orientando-se por meio de investigações bibliográficas e por procedimentos adotados em pesquisas survey, foi possível caracterizar a área de educação financeira infantil, bem como identificar como esta é trabalhada nas escolas, considerando o ambiente regional da cidade de Santa Maria/RS. Como resultado deste estudo inicial, obteve-se requisitos para o desenvolvimento de um objeto de aprendizagem que pudesse atuar como meio disseminador da educação financeira. Com a pesquisa, percebeu-se que a construção do conhecimento financeiro está sendo permeada por diversos meios tecnológicos e midiáticos, sendo um dos principais recursos utilizados para atrair a atenção das crianças é a ludicidade. Uma das formas de trabalhar com ludicidade é integração de elementos de jogos com as características de um livro, combinando tradição com a tecnologia, no intuito de acompanhar a nova realidade. Considerando essa associação, decidiu-se pelo desenvolvimento de um gamebook,que pode ser um instrumento atrativo para o ensino, sobretudo por meio do processo de migração do livro do meio físico para o meio eletrônico. Com a construção de uma narrativa contendo situações que apresentam escolhas financeiras, a criação de cenários e personagens digitais, e por fim a integração da narrativa com o ambiente digital e elementos de jogos, elaborou-se o gamebook Henrique e o Robô Dim. Com a finalidade de avaliar o gamebook desenvolvido, este foi aplicado a alunos de 5º ano de uma escola particular e de uma escola pública de Santa Maria/RS. Como resultados, observou-se que a tecnologia, como ferramenta de ensino, proporciona maior participação do aluno durante a aula, sobretudo, quando envolve ludicidade com a finalidade de educação. Também foi possível promover a discussão dos estudantes sobre o assunto educação financeira. Esta dissertação faz parte do Programa de Pós-Graduação Stricto Sensu em Tecnologias Educacionais em Rede, da linha de Desenvolvimento de Tecnologias Educacionais em Rede e gerou, como produto final, o gamebook digital denominado Henrique e o Robô Dim.

Submitted by Cinthia Cristhina Crotti null (cincrotti@msn.com) on 2018-03-03T21:15:47Z No. of bitstreams: 1 Dissertação_mestradoversaofinal.pdf: 1490418 bytes, checksum: 980862be7a1a3a4277a55f8da5426cf2 (MD5) / Approved for entry into archive by Maria Marlene Zaniboni null (zaniboni@bauru.unesp.br) on 2018-03-05T16:39:35Z (GMT) No. of bitstreams: 1 carrara_ccc_me_bauru.pdf: 1490418 bytes, checksum: 980862be7a1a3a4277a55f8da5426cf2 (MD5) / Made available in DSpace on 2018-03-05T16:39:35Z (GMT). No. of bitstreams: 1 carrara_ccc_me_bauru.pdf: 1490418 bytes, checksum: 980862be7a1a3a4277a55f8da5426cf2 (MD5) Previous issue date: 2018-02-21 / Após o ensino médio espera-se que o aluno ingresse em uma faculdade, no mercado de trabalho ou provavelmente vá morar longe dos pais, tendo assim que administrar seu próprio dinheiro. Esta é uma das etapas na vida do indivíduo que a Matemática Financeira se torna uma fiel companheira, estando presente em seu cotidiano. Sendo assim, este trabalho tem como objetivo mostrar aos alunos a importância da aprendizagem da Matemática Financeira no ensino médio, bem como as vantagens de sua correta utilização na vida adulta. Inicialmente verifica-se a história da Matemática Financeira, o que orientam os documentos oficiais como PCN e Diretrizes Curriculares a seu respeito, e os tipos de juros que irão ser trabalhados. Sugere-se uma revisão dos principais conceitos de Matemática Financeira usados no ensino médio e em seguida desenvolve-se uma atividade que abrange caderneta de poupança e outros tipos de investimentos. Nesta atividade propõe-se a abordagem da Matemática Financeira de uma maneira simplificada, fundamentada principalmente na responsabilidade dos alunos, pois seus atos passam a ter consequências como lançamentos de créditos ou débitos em suas planilhas. Busca-se por consequência incentivar o estudo da Matemática Financeira e seu real aproveitamento na fase que está por vir. / After high school students are expected to enter a college, the job market, or either to live away from their parents, thus managing their own money. This is one of the stages in the life of an individual that Financial Mathematics becomes a faithful companion, being present in its daily life. Thus, this work aims to show to the students the importance of learning Financial Mathematics in High School, as well as the advantages of its correct use in the adult life. Initially, the history of Financial Mathematics is exposed, based on Official Documents such as NCPs and Curriculum Guidelines about them, and the types of interests that will be worked out. It is suggested a review of the main concepts of Financial Mathematics used in High School and then develop an activity that covers saving accounts and other types of investments. In this activity, the approach of Financial Mathematics is proposed in a simplified way, based mainly on the responsibility of the students, since their acts have consequences as credit or debit entries in their worksheets. The aim is to encourage the study of Financial Mathematics and its real use in the next phases.

Coordenação de Aperfeiçoamento de Pessoal de Nível Superior / A situação financeira econômica atual vivida por nosso país nos faz refletir sobre a importância de estudarmos a Educação Financeira desde o ensino básico, a fim de instruirmos nossos jovens para que tenhamos um país saudável financeiramente. Neste trabalho, é abordado maneiras distintas de orientar nossos discentes do ensino médio sobre como investir, financiar e acima de tudo, conhecer os fundos de investimentos mais usados em nosso país. Familiarizados com estes fundos de investimentos, os jovens aprenderão como é importante economizar e investir. Métodos como aproximação linear de Newton ajudará aos jovens nos cálculos financeiros, bem como os colocarão perante uma ferramenta fundamental nesta área. O estudo sobre sistemas de amortizações auxiliará nossos jovens quanto aos financiamentos mais usados em nosso país, principalmente na aquisição do seu primeiro carro ou imóvel. A metodologia usada foi essencialmente uma pesquisa bibliográfica a partir da qual se consegue aprofundar no assunto pesquisado. A seguir, ajustou-se as hipóteses iniciais e delineou-se a estratégia concreta para o cumprimento dos objetivos propostos. Conclui-se que, com exercícios exemplos voltados para o cotidiano das pessoas, desperta-se um maior interesse pelos alunos em aprender a Matemática Financeira e aplicá-la em diversas situações de suas vidas. / Our motherlands current economic situation makes us reflect on the importance of studying the Financial Education since elementary school, so that we can educate our younger generation to make our country a healthier financially. This dissertation discusses many distinguished fashions for teaching high school students on how to invest, finance and, above all, getting them to know the investment funds that are used the most in our country. After being familiarized with these investment funds, the young students will learn the importance of saving and investing. Methods like Newtons linear approximation will help in their financial calculations, as well as making them acquainted with a fundamental tool for this field. The study of amortization systems will help students acknowledge our countrys most common financing choices, especially regarding the purchase of their first car or real estate. The methodology chosen for this dissertation was essentially a bibliographical research. In conclusion, with the help of examples and exercises with a focus on the daily life, there will be a greater interest among kids and teenagers in learning Financial Mathematics and its application in the most diverse situations.

Coordenação de Aperfeiçoamento de Pessoal de Nível Superior / A situação financeira econômica atual vivida por nosso país nos faz refletir sobre a importância de estudarmos a Educação Financeira desde o ensino básico, a fim de instruirmos nossos jovens para que tenhamos um país saudável financeiramente. Neste trabalho, é abordado maneiras distintas de orientar nossos discentes do ensino médio sobre como investir, financiar e acima de tudo, conhecer os fundos de investimentos mais usados em nosso país. Familiarizados com estes fundos de investimentos, os jovens aprenderão como é importante economizar e investir. Métodos como aproximação linear de Newton ajudará aos jovens nos cálculos financeiros, bem como os colocarão perante uma ferramenta fundamental nesta área. O estudo sobre sistemas de amortizações auxiliará nossos jovens quanto aos financiamentos mais usados em nosso país, principalmente na aquisição do seu primeiro carro ou imóvel. A metodologia usada foi essencialmente uma pesquisa bibliográfica a partir da qual se consegue aprofundar no assunto pesquisado. A seguir, ajustou-se as hipóteses iniciais e delineou-se a estratégia concreta para o cumprimento dos objetivos propostos. Conclui-se que, com exercícios exemplos voltados para o cotidiano das pessoas, desperta-se um maior interesse pelos alunos em aprender a Matemática Financeira e aplicá-la em diversas situações de suas vidas. / Our motherlands current economic situation makes us reflect on the importance of studying the Financial Education since elementary school, so that we can educate our younger generation to make our country a healthier financially. This dissertation discusses many distinguished fashions for teaching high school students on how to invest, finance and, above all, getting them to know the investment funds that are used the most in our country. After being familiarized with these investment funds, the young students will learn the importance of saving and investing. Methods like Newtons linear approximation will help in their financial calculations, as well as making them acquainted with a fundamental tool for this field. The study of amortization systems will help students acknowledge our countrys most common financing choices, especially regarding the purchase of their first car or real estate. The methodology chosen for this dissertation was essentially a bibliographical research. In conclusion, with the help of examples and exercises with a focus on the daily life, there will be a greater interest among kids and teenagers in learning Financial Mathematics and its application in the most diverse situations.