Практики формирования финансово грамотного поведения российского студенчества

Abstract

The relevance of financial literacy is underscored by both government attention, as evidenced by the implementation of programs aimed at its enhancement among the Russian population, and the acknowledgment by Russians themselves of their low level of financial culture, as reflected in the results of sociological studies. This article presents various approaches to defining financial literacy and describes governmental initiatives to introduce practices aimed at raising the level of financial literacy in Russia. The empirical object of the study is chosen to be student youth, due to the specificity of this socio-demographic group for the study of the financial sphere. The article presents data from the author's sociological research conducted using the in-depth interview method. The main result of the scientific work is the identification of various practices for the formation of financially literate behavior among Russian students. The foundation of this identification lies in the data from content analysis of official documents, legislative acts, and information obtained during interviews. In other words, the identified practices constitute a symbiosis of practical and theoretical approaches, taking into account the positions of both official government structures and the population. In conclusion, through empirical research and analysis, the article identifies a range of effective practices for fostering financially literate behavior among Russian students. By incorporating both practical and theoretical approaches, these practices aim to bridge the gap between official policies and the needs of the populace, ultimately contributing to the cultivation of a more financially savvy society.