The Differences in Students� Financial Literacy based on Financial Education

Dorjana Nano and Shkelqim Cani

Academicus International Scientific Journal, 2013, issue 8, 149-160

Abstract: This paper examines the differences in Financial Literacy among Albanian university students based on their financial education. The main objectives of this study are: i) firstly, to assess the level of financial knowledge, financial attitude and financial behaviour, and to make relevant comparison based on students financial education; ii) secondly, to evaluate an overall score of financial literacy and to investigate its difference among students who are financially educated and their counterparts; iii) finally, to provide some conclusions and policy implications with regard to financial literacy. A total of 607 students from five public and three private universities in Albania participated in this research. The outcome shows that student�s financial behaviour does not differ based on their financial education. In addition, non-financially educated students appear to demonstrate better financial behaviour. Finally, students who have taken a personal financial course are shown to be more knowledgeable and financially literate than their counterparts. This study paves the way for future research in Albania.

Keywords: financial literacy; financial education; personal financial course (search for similar items in EconPapers)
Date: 2013
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Citations: View citations in EconPapers (2)

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