Мониторинг динамики финансовой грамотности студентов в условиях интеграции учебных дисциплин

Abstract

The article is devoted to the problem of the formation of financial literacy of students of economic universities in the context of the integration of academic disciplines. The aim of the work is to identify the possibilities of integrative links between academic disciplines in improving the level of financial literacy within the framework of the continuity of educational programs for undergraduate and graduate programs. As a means of integration, it is proposed to use the models of simple and compound percent. The importance of formalized models in the performance of financial operations of accumulation, discounting and, accordingly, in assessing the effectiveness of financial decision-making is noted. The paper presents the results of monitoring the dynamics of the level of financial literacy of students of the University of Economics. An online survey of undergraduate students was conducted in the context of courses of study and undergraduates. Respondents were asked questions related to identifying the objective level of financial literacy (knowledge of financial terms, activity in the financial services market, knowledge of simple and compound interest formulas, etc.). A separate block includes questions about the subjective level of financial literacy of respondents and the need for additional knowledge and skills in financial literacy. he results of the analysis of empirical material indicate a positive correlation between the objective and subjective levels of financial literacy of students, as well as the need for additional knowledge on financial literacy. At the same time, higher levels of financial literacy are associated with skills in mastering simple and compound interest models and demonstrate a positive trend in the cumulative effect of integrating academic disciplines. In its turn, the study of student activity in the financial services market determines the widespread use of digital financial instruments. The findings determine the need for students of economic universities to master formalized methods for assessing financial decision-making, which in the future will allow avoiding costly mistakes in practice and maintaining the required level of digital financial literacy.