Što određuje financijsku pismenost? U potrazi za relevantnim odrednicama

Scientific paper - Original scientific paper

• Title (english): What Determines Financial Literacy? In Search of Relevant Determinants
• Author: Nikola Erceg; Filozofski fakultet Sveučilišta u Zagrebu
• Author: Zvonimir Galić https://orcid.org/0000-0001-5710-0975; Filozofski fakultet Sveučilišta u Zagrebu
• Author: Maja Vehovec; Ekonomski Institut Zagreb
• Author's institution: The Institute of Economics, Zagreb
• Author's institution: University of Zagreb; Faculty of Humanities and Social Sciences; (Department of Psychology)
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Psychology
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics

Abstract (croatian)

S obzirom na sve veću kompleksnost kao i povećanu potrebu za financijskim proizvodima, čini se kako su adekvatne razine financijske pismenosti neophodne. U Hrvatskoj postoji malo istraživanja odrednica financijske pismenosti građana. Stoga smo ovim istraživanjem željeli istražiti veći broj financijskih konstrukata u odnosu na prethodna istraživanja, kao i utvrditi važnost socio-demografskih činitelja u objašnjenju financijske pismenosti. Istraživanje je provedeno na reprezentativnom uzorku građana RH (N = 1049). Rezultati su pokazali da su socio-demografske varijable značajan prediktor financijske pismenosti, kao i njezinih komponenti znanja, stavova i ponašanja. U radu se raspravlja o važnosti različitih socio-demografskih karakteristika, te zaključuje da, iako značajne, socio-demografske varijable vjerojatno nisu najvažnije odrednice financijskih ishoda. Stoga se predlaže veći naglasak na dodatnim, psihološkim karakteristikama kao potencijalnim determinantama financijskih ishoda.

Abstract (english)

Considering the increasing complexity, as well as the increasing need for financial products, it appears that the adequate levels of financial literacy are necessary. The research of the determinants of financial literacy of citizens is scarce in Croatia. Therefore, through this research we wanted to examine the increasing number of financial constructs with regard to the existing previous research, as well as determine the importance of socio-demographic factors in explaining financial literacy. The research was conducted on the representative sample of the citizens of the Republic of Croatia (N=1049). The results have shown that socio-demographic variables represent a significant predictor of financial literacy, as well as its components, namely knowledge, attitudes and behaviour. The paper examines the importance of different socio-demographic characteristics and concludes that, although they are significant, socio-demographic variables are probably not the most important determinants of financial outcomes. Therefore a greater emphasis on additional, psychological characteristics as potential determinants of financial outcomes is recommended.

• Keywords (english): financial literacy; financial knowledge; financial attitude; financial behaviours
• Keywords (croatian): financijska pismenost; financijsko znanje; financijski stavovi; financijska ponašanja
• Language: croatian
• Publication type: Scientific paper - Original scientific paper
• Publication status: Published
• Peer review: Peer review
• Publication version: Published version
• Journal title: Revija za socijalnu politiku
• Numbering: vol. 26, no. 3, p. 313
• p-ISSN: 1330-2965
• e-ISSN: 1845-6014
• DOI: https://doi.org/10.3935/rsp.v26i3.1541
• URN:NBN: urn:nbn:hr:131:154309
• Publication: 2019
• Document URL: https://hrcak.srce.hr/231728
• Type of resource: Text
• Access conditions: Open access
• Created on: 2020-01-21 13:54:05