MOLIYAVIY SAVODXONLIK
Keywords:
moliyaviy savodxonlik, moliyaviy savodxonlikni o‘lchash, moliyaviy savodsizlik.Abstract
Ushbu maqolaning maqsadi hozirgi zamonda keng tarqalgan moliyaviy savodxonlik tushunchasini ochib beradi. Olimlar, siyosatchilar, moliyaviy ekspertlar va iste’molchi himoyachilari pulni samarali boshqarish uchun zarur bo‘lgan bilim, ko‘nikma, ishonch va motivatsiyani tasvirlash uchun bu iborani bemalol ishlatgan. Natijada, moliyaviy savodxonlik mavjud tadqiqotlarda turli xil kontseptual ta’riflarga, shuningdek, turli xil operatsion ta’riflar va qadriyatlarga ega. Ushbu tadqiqot moliyaviy savodxonlikning turli ta’riflari va chora-tadbirlarini tahlil qilib, tadqiqotchilarni umumiy fikrga chorlaydi. Aniqroq ta’rif kelajakdagi tadqiqotlarni yaxshilashi kerak, o‘z navbatida iste’molchilarga o‘zgaruvchan hayot voqealari va tobora murakkablashib borayotgan iqtisodiyotni yaxshiroq tushunish va moslashishga yordam beradi.
References
Bayer, P. J., Bernheim, B. D., & Scholz, J. K. (1996). The effects of financial education in the workplace: Evidence from a survey of employers. Working Paper Issue 5655, Cambridge, MA: NBER.
Bernheim, B. D., Garrett, D. M., & Maki, D. M. (2001). Education and saving: The long-term effects of high school financial curriculum mandates. Journal of Public Economics, 80, 435-465.Almenberg va Widmark, 2011, Huston, 2010, Jappelli, 2010, Lusardi va Mitchell, 2007).
Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50, 179-211.
Alba, J. W., & Hutchinson, J. W. (2000). Knowledge calibration: What consumers know and what they think they know. Journal of Consumer Research, 27, 123-156. Almenberg va Widmark, 2011, Karter, 1973, Jonson va Sherraden, 2007, Lusardi va Mitchell, 2007, Van Rooij va boshqalar, 2007
Ameriks, John, Andrew Caplin, and John Leahy. (2003). “Wealth Accumulation and the Propensity to Plan.” Quarterly Journal of Economics 68, 1007-1047.
Atkinson, Adele, Stephen McKay, Elaine Kempson, and Sharon Collard. (2006). “Levels of Financial Capability in the UK: Results of a baseline survey.” UK: Financial Services Authority. Fox va boshq., 2005, Lyons va boshq., 2006, Oehler va Verner, 2008, Jahon banki, 2009, Willis, 2009.
