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Finansiell förmåga och utbildning: Hur ekonomistudier påverkar finansiell förmåga och privatekonomi. 
Karlstad University, Faculty of Arts and Social Sciences (starting 2013), Karlstad Business School.
2015 (Swedish)Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesisAlternative title
Financial literacy and education : The impact of economic education on financial literacy and private economy. (English)
Abstract [sv]

Finansiell förmåga är kunskap om finansiella koncept och produkter, samt förmågan att kunna applicera den i verkligheten. Många studier, såväl nationella som internationella, har visat att flertalet individer har bristande kunskaper inom området. Problemet som uppstår är den direkta påverkan det har på ekonomiskt och finansiellt beslutsfattande. I studien undersöks om ekonomiutbildning på universitetsnivå ökar den finansiella förmågan och därmed bidrar till mer välgrundade ekonomiska beslut. Vidare studeras även räknefärdighet och dess koppling till utbildning och finansiell förmåga då tidigare forskning behandlat dessa faktorer tillsammans. Med hjälp av en enkätundersökning som delats ut till ekonomistudenter på Karlstads universitet har detta studerats. Respondenterna delades upp i två grupper i syfte om att kartlägga utbildningens betydelse. Studenter som precis påbörjat sin ekonomiutbildning och studenters som befann sig i slutet av utbildningen. Resultatet visade att individer som studerat ekonomi har en bättre finansiell förmåga. Ekonomiutbildning hade även en positiv effekt på räknefärdighet, deltagande på aktiemarknaden samt långsiktigt sparande.

Abstract [en]

Financial literacy is knowledge of financial concepts and products, as well as the ability to apply it in real life. Several studies have shown that most individuals have insufficient knowledge in the field. The problem that arises is the direct impact this has on financial decision-making. The study examines whether economic education increases financial literacy and thus contributes too more informed financial decisions. Furthermore, it studies numeracy and its relationship to education and financial literacy as previous research addressed these factors together. To explore this, a questionnaire was distributed to economic students at Karlstad University. The respondents were divided into two groups in order to identify the role of education. Students who just have started their economic education and individuals who have studied economics for at least three years. The results show that a student who has study economics has better financial literacy. Education in economic also had a positive effect on numeracy, participation in the stock market and long-term savings. 

Place, publisher, year, edition, pages
2015. , 55 p.
Keyword [en]
financial literacy, economic education, numeracy, private economy.
Keyword [sv]
finansiell förmåga, ekonomisk utbildning, räknefärdighet, privatekonomi
National Category
Economics
Identifiers
URN: urn:nbn:se:kau:diva-35256OAI: oai:DiVA.org:kau-35256DiVA: diva2:790275
Subject / course
Economics
Educational program
Business Administration and Economics, 180 hp
Supervisors
Examiners
Available from: 2015-03-05 Created: 2015-02-22 Last updated: 2015-03-05Bibliographically approved

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CiteExportLink to record
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