Dejavniki, ki vplivajo na vodenje osebnih finančnih evidenc

Pilih, Alja (author), Lovšin Kozina, Francka (mentor)

Finančna pismenost je danes ena izmed pomembnejših veščin za kakovostno življenje. Čeprav je definicij finančne pismenosti veliko, večina definicij vključuje tako poznavanje temeljnih finančnih pojmov kot tudi obvladovanje vodenja finančnih evidenc. Rezultati raziskav pri nas in po svetu so pokazali, da je finančna pismenost nizka, kar lahko negativno vpliva na finančno varnost posameznika. Z raziskavo, v katero je bilo vključenih 125 odraslih oseb različnih poklicev, sem želela preučiti predvsem obvladovanje vodenja finančnih evidenc glede na poklic, ki ga opravlja oseba, saj na to temo nisem zasledila veliko raziskav v literaturi. Rezultati raziskave so pokazali, da svoje osebne finančne evidence najbolj redno in vestno vodijo podjetniki, najmanj pa natakarji, rezultati so pokazali tudi, da nekoliko bolj redno vodijo evidence moški kot ženske, vendar razlike niso bile statistično pomembne. Glede na starost največji delež svoje osebne finančne evidence vodijo osebe v starosti 41–50 let. Rezultati so pokazali, da se osebe z višjo doseženo izobrazbo bolj poslužujejo vodenja osebnih finančnih evidenc. Anketiranci, ki redno vodijo svoje osebne finančne evidence, za to najpogosteje uporabijo beležko. Prav tako so rezultati raziskave pokazali, da imajo natakarji, trgovci, medicinske sestre in podjetniki podobno mnenje glede pomembnosti vodenja osebnih finančnih evidenc. Vodenje evidenc se jim zdi zelo pomembno, menijo, da s pomočjo vodenja ljudje bolje varčujejo, vodenje evidenc omogoča hitrejši pregled nad denarjem in preprečuje, da bi zašli v dolgove. Rezultati raziskave so pokazali, da je finančna pismenost nizka, zato bi bilo smiselno s sistematičnim in načrtnim pristopom ozaveščati in predstaviti dobro prakso finančne pismenosti že v osnovni šoli (nadgrajevanje in medpredmetno povezovanje vsebin) kot tudi kasneje v srednji šoli.

• Language: Slovenian
• Keywords: finančna pismenost
• Work type: Master's thesis/paper
• Typology: 2.09 - Master's Thesis
• Organization: PEF - Faculty of Education
• Year: 2020
• PID: 20.500.12556/RUL-122245
• COBISS.SI-ID: 40055043
• Publication date in RUL: 15.12.2020

Secondary language

• Language: English
• Title: Factors affecting the maintenance of personal financial records

Abstract

Financial literacy is one of the most important skills to ensure a high quality of life. Even though there are many different definitions of financial literacy, most include the understanding of basic financial terms as well as the knowledge of keeping financial records. Research in Slovenia and abroad has shown that financial literacy is low, which can negatively impact on the financial security of a person. I conducted research among 125 adults of different professions. I was interested in how well they keep financial records and whether this differs between different professions as this is information that I wasn’t able to find in existing research. The research shows that businesspeople keep their financial records most diligently and with the most regularity, while the opposite is true for waiters. The research also shows that in general men keep financial records with more regularity than women, but the difference is negligible. The percentage of people who do keep financial records is largest between the ages of 41 and 50. On the basis of the achieved education the result have shown that the keeping of personal financial records increases with higher education. Those who do keep financial records usually do so with the help of a notebook. Research also shows that waiters, shop assistants, nurses and businesspeople have a similar view on the importance of keeping financial records. They view it as very important, they believe it helps people save more money, it helps them with having a better overview of their financial situation and it prevents them from going into debt. Research also shows that financial literacy is low, so it should be introduced and taught to children through a systematic and well-planned approach starting in primary school (through continuous learning and in different subjects) and continuing in secondary school.

• Keywords: financial literacy