Financial education and financial literacy has gained a prominent position in the global policy agenda. It is now universally recognized as a core component of the financial empowerment of individuals and the overall stability of the financial system. Without an understanding of basic financial concepts, people are not well equipped to make decisions related to financial management. People who are financially literate have the ability to make informed financial choices concerning borrowing, saving, investing and more. Those who are more financially literate are more likely to invest in the stock market and pay attention to fees, to borrow at low costs, to accumulate retirement wealth, and to diversify risk. One impressing feature of the empirical data on financial literacy is the large and persistent gender difference, research has shown that financial illiteracy is widespread among women, and that many women are unfamiliar with even the most basic economic concepts needed to make saving and investment decisions. In this regard in the 2014 Standard & Poors Ratings Services Global Financial Literacy Survey (S&P Global FinLit Survey), provides this information across a wide array of countries. It builds on early initiatives by the International Network on Financial Education (INFE) of the Organization for Economic Co-operation and Development (OECD), the World Banks Financial Capability and Household Surveys, the Financial Literacy around the World (FLAT World) project, and numerous national survey initiatives that collect information on financial literacy. The survey complements these efforts by delivering the first and most comprehensive global gauge of financial literacy to date and involve more than 150,000 nationally representative and randomly selected adults in more than 140 economies were interviewed.

Diversi imponenti studi hanno rilevato importanti lacune in termini di alfabetizzazione finanziaria, soprattutto si è rilevata una sostanziale differenza di conoscenze tra uomo e donna, queste disparità di genere sono marcate maggiormente in italia, nei paesi poveri e quelli in via di sviluppo. Questo elaborato sperimentale è composto da due parti fondamentali, la prima ha il fine di far comprendere lestensione del problema, sempre con uno sguardo al gender gap e con una particolare attenzione al caso Italiano, tramite la revisione di importanti articoli sul tema. Mentre la seconda parte è composta dalla somministrazione di un sondaggio ad un campione di donne per studiare quali canali, metodi e stili di divulgazione di informazioni economiche sono più consoni per ridurre questo gap.

The gender gap in financial literacy

DI SABATINO, ELEONORA
2018/2019

Abstract

Financial education and financial literacy has gained a prominent position in the global policy agenda. It is now universally recognized as a core component of the financial empowerment of individuals and the overall stability of the financial system. Without an understanding of basic financial concepts, people are not well equipped to make decisions related to financial management. People who are financially literate have the ability to make informed financial choices concerning borrowing, saving, investing and more. Those who are more financially literate are more likely to invest in the stock market and pay attention to fees, to borrow at low costs, to accumulate retirement wealth, and to diversify risk. One impressing feature of the empirical data on financial literacy is the large and persistent gender difference, research has shown that financial illiteracy is widespread among women, and that many women are unfamiliar with even the most basic economic concepts needed to make saving and investment decisions. In this regard in the 2014 Standard & Poors Ratings Services Global Financial Literacy Survey (S&P Global FinLit Survey), provides this information across a wide array of countries. It builds on early initiatives by the International Network on Financial Education (INFE) of the Organization for Economic Co-operation and Development (OECD), the World Banks Financial Capability and Household Surveys, the Financial Literacy around the World (FLAT World) project, and numerous national survey initiatives that collect information on financial literacy. The survey complements these efforts by delivering the first and most comprehensive global gauge of financial literacy to date and involve more than 150,000 nationally representative and randomly selected adults in more than 140 economies were interviewed.
2018
2019-10-18
The gender gap in financial literacy
Diversi imponenti studi hanno rilevato importanti lacune in termini di alfabetizzazione finanziaria, soprattutto si è rilevata una sostanziale differenza di conoscenze tra uomo e donna, queste disparità di genere sono marcate maggiormente in italia, nei paesi poveri e quelli in via di sviluppo. Questo elaborato sperimentale è composto da due parti fondamentali, la prima ha il fine di far comprendere lestensione del problema, sempre con uno sguardo al gender gap e con una particolare attenzione al caso Italiano, tramite la revisione di importanti articoli sul tema. Mentre la seconda parte è composta dalla somministrazione di un sondaggio ad un campione di donne per studiare quali canali, metodi e stili di divulgazione di informazioni economiche sono più consoni per ridurre questo gap.
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Utilizza questo identificativo per citare o creare un link a questo documento: https://hdl.handle.net/20.500.12075/6987