Literate Behavior Research Articles

CURRENT ASPECTS OF THE IMPACT ON THE FORMATION OF FINANCIALLY LITERATE BEHAVIOR OF RUSSIAN YOUTH IN THE CONTEXT OF SANCTIONS PRESSURE

The purpose of the study. Research of aspects of more literate behavior of young people in financial activities. The article examines the current aspects of the impact on the formation of financially literate behavior of Russian youth under the conditions of sanctions pressure. It is noted that in these conditions, the role of a sociologist is increasing in the need to provide various government structures with real information on various problems of society, and primarily in the financial sphere. The authors emphasize that “sustainable improvement of the quality and standard of living of citizens requires improving financial literacy and the formation of a financial culture, ensuring the financial well-being of citizens, their conscious use of financial products and services, reasonable financial decision-making, investment and risk management”. The work emphasizes that today the level of financial literacy and financial culture among young people is not at the proper level. At the same time, the financial culture of young people shows positive growth, and there are significant prospects for its further improvement. The article proposes a number of measures to improve the financial culture of young people, create a favorable environment for the development of optimal financial behavior of young people. Findings. The paper concludes that in order to form a full-fledged financially literate behavior of young people, it is necessary to develop not only financial literacy and financial culture, but also to contribute to the formation of a genuine value world in the process of personal socialization.

APPROACHES TO DEFINING CRITERIA AND INDICATORS FOR ASSESSING FINANCIALLY LITERATE BEHAVIOR OF THE POPULATION OF THE RUSSIAN FEDERATION

The article analyzes various approaches to the interpretation of the concepts of “criterion” and “indicator”; during the analysis, interpretations are derived that are taken as the basis for the development of criteria and indicators for assessing the financially literate behavior of Russian residents. The text provides an overview of studies assessing the financially literate behavior of residents of the Russian Federation, in particular the following studies were considered: “Financial literacy of Russians - 2023”, conducted by the National Agency for Financial Research (NAFI); “Study of the level of financial literacy” (stage 4), conducted by the FOM commissioned by the Bank of Russia and “Barometer of economic behavior of households in Russia”, conducted by specialists from the National Research University Higher School of Economics. Based on the analysis of the Strategy for Improving Financial Literacy and Forming a Financial Culture until 2030, in the context of the goals, objectives and expected results from its implementation and analysis of the criteria and indicators taken as a basis within the framework of the previously listed studies, criteria and indicators were proposed for assessing financially literate behavior Russians at three levels: the sphere of personal finance, the sphere of public finance and the sphere of financial security, including financial cybersecurity.

FINANCIALLY COMPETENT BEHAVIOR OF RUSSIANS UNDER THE CONDITIONS OF SANCTIONS PRESSURE: RATES AND INDICATORS

The purpose of the study. The article discusses indicators and indicators that influence the formation of financially literate behavior based on the results of empirical research in terms of determining the types of financially literate behavior of the population of the Russian Federation under sanctions pressure, within the framework of research “Effective tools for the formation of financially literate behavior of the population under sanctions pressure”. At the same time, the paper notes that financial literacy and, as a result, financial behavior plays a significant role in the lives of both individuals and the whole society. The changes in the economic environment and technological progress are analyzed and it is emphasized that the possession of financial knowledge and skills is a prerequisite for successful functioning in the modern world. As various sociological studies and departmental statistics show, today Russia is facing the challenges of low financial literacy and risky financial behavior, which, in turn, affects the quality of life of the population and, in particular, their income level. Conclusions. Based on the conducted research, indicators and indicators that determine the profiles of financial behavior of the population under the conditions of sanctions pressure have been identified. The author concludes that the skills that make it possible to effectively manage finances and make purposeful decisions are important not only for personal development, but also for the quality of life in changeable conditions. Financial literacy plays a huge role in modern conditions of development of society, especially during the sanctions pressure on the country. In the presence of sanctions, the economic situation becomes unstable, which requires special attention to its financial decisions.

Практики формирования финансово грамотного поведения российского студенчества

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.

Enabling health literate behavior at vocational education and training settings for adolescents and young adults with chronic conditions: a type-building approach

Zusammenfassung Hintergrund Junge Erwachsene mit chronischen Erkrankungen sind in der Ausgestaltung von institutionellen Rahmenbedingungen in berufsbildenden Kontexten bisher kaum berücksichtigt. Gleichzeitig benötigen sie abseits von beruflichen Handlungskompetenzen jedoch auch entsprechende Gesundheitskompetenzen, um mit der eigenen Erkrankung in berufsbezogenen Kontexten adäquat umzugehen. Ziel Auf der Basis von typenbildend herausgearbeiteten Performanzformen werden Implikationen aufgezeigt, anhand derer es auf organisationaler Ebene ermöglicht werden kann, Voraussetzungen für gesundheitskompetentes Verhalten zu schaffen sowie individuelle Gesundheitskompetenzen in berufsbildenden Kontexten zu fördern. Methodik Es wurden 12 biographische Interviews mit chronisch erkrankten jungen Erwachsenen (Epilepsie und Diabetes mellitus Typ 1) geführt und anhand der dokumentarischen Methode typenbildend analysiert. Der rekonstruktive Forschungsansatz ermöglicht sowohl die Einbindung lebensweltspezifischer Perspektiven als auch die interdisziplinäre Verzahnung gesundheitswissenschaftlicher und berufspädagogischer Forschungsansätze. Ergebnisse und Schlussfolgerung Für ausbildungs- und berufsbezogene Kontexte lassen sich vier Performanzformen als Ausdruck von Gesundheitskompetenz differenzieren. Darüber hinaus wurden Faktoren abgeleitet, die als Gelingensbedingungen auf individueller und struktureller Ebene fungieren. Diese können wiederum zum Anlass genommen werden, um berufsbildende Settings entsprechend gesundheitskompetenzförderlich zu gestalten.

Changing habits of mind: A phenomenological view of how a computational geology course affected students’ geologic numeracy

A quantitative literacy course titled “Computational Geology” has been taught at the University of South Florida for over 20 years at the undergraduate level, largely by the same professor. Due to the extended course tenure, a unique opportunity presented itself to qualitatively study what the perceived broader impacts of the course were on selected alumni from three or more years post-graduation. Viewing data from a 2016 course alumni interview project through a transcendental phenomenological lens, we looked for evidence to describe the lived experiences of nine course alumni. The alumni were baccalaureate geology graduates of USF, at least three years removed from graduation at the time of interview, who had taken and passed the Computational Geology course, and been working in private, public, or academic sectors. We discovered that the course positively impacted students’ self-efficacy toward mathematics, nurtured a growing appreciation for using math as a tool to solve problems relevant to the students’ personal life and career, and motivated students to learn and appreciate quantitatively literate behaviors and how quantitative literacy applies to their personal and professional life. We assert that instructors who consider the affective domain (i.e., feelings, emotions, and attitudes) while teaching mathematics leverage a powerful approach to impact student learning and incite a long-lasting impact on students’ appreciation for quantitative literacy.

ВОЗМОЖНОСТИ РАЗВИТИЯ У СТУДЕНТОВ ОБЩЕПРОФЕССИОНАЛЬНЫХ КОМПЕТЕНЦИЙ ПРИМЕНИТЕЛЬНО К ФИНАНСОВОЙ ГРАМОТНОСТИ (НА ПРИМЕРЕ НАПРАВЛЕНИЯ ПОДГОТОВКИ 44.03.05 ПЕДАГОГИЧЕСКОЕ ОБРАЗОВАНИЕ)

Creating the foundations for forming financially literate behaviour of the population is the key to improving the level and quality of life of citizens. An important step in solving this problem in the system of higher education is the improvement of educational programmes. The paper analyzes the possibilities of introducing and implementing work programmes of subjects and practices in order to develop general professional competencies in students in relation to financial literacy.

THE ACTIVITIES OF CONSULTANTS-METHODOLOGISTS ON THE FORMATION OF FINANCIALLY LITERATE BEHAVIOR OF RUSSIANS

The purpose of the research. This article presents the results of an all-Russian survey of consultants-methodologists who carry out activities to educate the population in financial matters. The study was conducted by the Institute of Financial Literacy of the Financial University under the Government of the Russian Federation together with the educational and scientific sociological laboratory of the Department of Sociology of the Financial University. Both quantitative (questionnaire mass survey of students of the advanced training program “Financial Consulting”) and qualitative methods (in-depth semi-structured interviews with students of the advanced training program “Financial Consulting”) are involved. More than 1,200 students who successfully completed the training program in 2022 took part in the questionnaire survey. The data collection method is online surveys. Geography of the questionnaire survey: consultants-methodologists from 55 regions of the Russian Federation. 34 certified consultant-methodologists took part in the interview. The data collection method is telephone interviews. Geography of the interview: methodologist consultants from 34 regions of the Russian Federation. The scientific novelty of the research is the development of a tool for measuring the satisfaction of students of the Institute of Financial Literacy with the advanced training program “Financial consulting”, building a map of the problems of professional activity of consultants-methodologists with the identification of specific qualities of the Russian population, manifested in financial behavior. Results. Measuring the effectiveness of the work carried out by the state to increase the level of competent behavior of citizens must be supported by additional expertise and methods of sociological measurement of financially literate behavior. This will allow measuring various practices of financial behavior in various areas, assessing them, predicting the consequences and costs for all financial market participants. Currently, such a methodology is in the process of being discussed, created, however, methods for measuring financial literacy are widely popular in scientific communities.

If Your Horse Is Dead, for God’s Sake, Dismount: Shifting the Direction of Our Efforts to Support School-Identified Struggling Readers

“If your horse is dead, dismount,” is Dakota tribal wisdom that reminds us to do the most obvious thing. In this paper, we describe how middle school students in summer school finally challenged us to ‘dismount’ from our traditional remedial reading instruction. In our new approach, middle schoolers chose topics for study and shared what they were learning. Ongoing interviews, along with tutor reflections and researcher observations, showed the criticality of students’ identities in their topic studies. Pursuing questions that were connected to their identities resulted in self-regulatory behaviors, including goal-setting and persistence. Additionally, students labeled as struggling readers demonstrated a broad range of literate behaviors, including reading, writing, speaking, listening, viewing, and composing. This paper adds to the research that challenges a model of remedial instruction where students are positioned as deficient and instead reframes literacy instruction as a tool for helping students act agentically.

How to Increase News Literate Behaviors Via Interventions: Eight Guidelines by Early Adolescents

To develop guidelines for more effective news literacy interventions, we conducted focus groups with early adolescents (12-15 years old) on what these interventions should be like. Participants ( N = 55) discussed that motivating early adolescents is a challenge, but did provide more insight into their preferences and needs. Future interventions should be easy to find and use, make news literate behaviors more accessible, should be interactive, and should tailor the content toward the target group. Developing interventions based on these guidelines could positively influence various predictors of news literate behaviors in early adolescents, and, in turn, lead to more news literate behaviors.

Microeconomics of personality and its role in the formation of financially literate behavior

To date, the problem of the formation of financially literate behavior of the population is one of the most significant on the agenda of the National Strategy for Improving Financial Literacy (2017-2023). Most countries, which in their socio-economic policy are based on the principles of national strategies for improving financial literacy, focus on the broadest segments of the population, assuming that each gender-age group is a potential participant in the financial market, a user of financial instruments and services, enters into heterogeneous financial and economic relations. The formation of financially competent behavior is not only a prerequisite for effective functioning and development of the entire financial system of Russia, but also acts as a factor of the material well-being of citizens, a smoothing element of income differentiation. Changes in the economic relations, complication of the financial market, its structure and products, as well as transition to digital rails have led the population to the need to develop skills for formation of financially literate strategies. To implement such strategies, it is necessary to have a resource and intellectual base among the population, as well as a favorable external environment in which opportunities for effective functioning and interaction of participants in financial relations are realized. As a result of the conducted research, the author proved that a person with personal and resource potential is a kind of microeconomics model, which, under the impact of situational and institutional contexts, influences the formation of needs, motives and goals for further actions in the financial market. Conclusions based on the results of these actions are deposited in a certain database in the form of accumulated experience, which, in turn, thereafter is affecting (interconnected) the resource potential and the personality itself. The basis of the microeconomics of personality is a chain of personal factors, the central link of which is the culture of individual, which is able to modify the other elements of personality.

Everyday information literacy in rural areas

Information literate behaviour can be understood as an approach to handle the increasingly digitalised information environment. Rural areas and particularly the local authorities face specific challenges realising the digital transformation of decentralized countries. This research investigates individual information needs and behaviour patterns of residents in a rural district in Germany. The aim is to deliver insights concerning the question as to how information provision (supplier perspective) and information literacy (citizen perspective) can be fostered for rural inhabitants. This holistic perspective allows for context-specific recommendations at the end of the three-year project.Data were collected through a user study, expert interviews with information providers as well as an analysis of the websites maintained by the local authorities. The study shows that for residents evaluating information and information sources are the main issues. The analysis of the municipality’s websites indicates difficulties providing target group specific information. The expert interviews reveal a low level of digital maturity on behalf of the local governmental information provision, mainly caused by a lack of resources. Besides finding approaches to foster individual information literacy in the future, the information quality model developed for the analysis may already be used as a reference to improve the information provision of local governments.

The influence of social media on the formation of financially literate behavior of youth

The Internet in the modern world is an integral part of the formation of culture and educational potential of society. The relevance of studying its influence on the individual and social strata of society is determined by its structural and functional capabilities: in fact, it becomes an institution for socialization of new generations, also actively embedded into educational systems. However, in terms of science it is important to understand what influence the Internet has on the formation of basic values, cultural characteristics, attitudes among young people, particularly in the field of financial behavior, which will form the basis of their economic activities and their common future. In this connection, the purpose of this study is an attempt to substantiate the role and influence of social media on the formation of models of financially competent behavior of young people (using the example of Moscow as the leading financial center). The main research methods were content analysis of social media, in particular the social network Instagram (analysis of the content of bloggers positioning themselves as experts in the field of financial management), as well as a mass survey of young people (carried out as part of the initiated by author project of the Laboratory for Study of Behavioral Economics at ISESP FCTAS RAS under the title "Financial culture of the capital's youth") and in-depth structured interviews with experts in the field of financial market and financial behavior. The results of the study make it possible to suggest the existence of a serious influence on the formation of financial culture and financial behavior of young people of the ontent that is popular in social media, as well as the popularity of social networks themselves as a source for the «extraction» of information in the field of economics and finance. This should be taken into account when developing a policy regarding social media activities, in particular bloggers in the field of educational, consulting, commercial and other activities related to increasing financial literacy, culture and formation of various models of financial behavior of young people for the purpose of legal regulation of such activities, because the broadcast content directly shapes not only the way of thinking, but also influences the practical choices and daily activities of young people.

Managing the Formation of The Individual Financial Culture of University Students

The purpose of the study dealing with the mechanisms for managing the formation of the individual financial culture of university students is to identify the optimal pedagogical conditions that contribute to the development of financially literate behavior of students studying under education agreements as rational consumers of educational services. The work performed allowed concluding that the attitude of students to mastering the chosen educational program, their academic performance, as well as social and labor activity allows predicting the nature of their financial behavior as market actors in their future daily life. The majority of students do not tend to treat their training as an investment in their own human capital due to the predominance of paternalistic attitudes associated with the imposition of costs for education on older family members.

Financially Competent Behaviour of Russian People: Factors of Forming

The Object of the Study. Financially competent behaviour.The Subject of the Study. Factors of forming financially competent behaviour.The Purpose of the Study. Identification of factors influencing the formation of financial literacy behaviour based on the results of empirical studies of the level of financial literacy of the Russian population, the results of an expert survey in the framework of research «Institutionalization of financial literacy of the Russian population».The main Provisions of the Article. The formation of financially competent behavior is not only a prerequisite for the effective functioning and development of the entire financial system of Russiya, but also acts as a factor of material well-being of citizens, a smoothing element of differentiation in income. Changes in economic relations, the complexity of the financial market, its structure and products, as well as the transition to digital rails have led the population to the need of developing skills in the formation of financially competent strategies. To implement such strategies, it is necessary to have a resource and intellectual base among the population, as well as opportunities for the formation of an effective ecosystem of interaction between all participants in financial relations. The study identified the main trends in the financial behavior of Russians in modern conditions, factors affecting the choice of certain strategies of financial behavior, as well as conditions for the transformation of these strategies into new forms of financially literate behavior. Among the main we can note the low level of financial literacy of Russians, if anything, this trend can be traced from year to year, due not only to psychological and cultural aspects of behavior (inherent in Russians fear, uncertainty and insecurity, laziness, stereotyping, and shifting responsibility to third parties), but with the increasing complexity of the financial market as a whole, erroneous conception of the essence of certain concepts, and as a result, the alignment of financial strategies in accordance with this interpritation, the spread of the phenomenon gaining momentum – misseling, and may also indirectly indicate the inefficiency of the current system of improving financial literacy of Russians. According to the analysis of secondary data, government statistics public confidence in financial institutions, income level also influence on forming financial literacy strategies, which is confirmed by the data of the expert survey conducted within the project «Institutionalization of financial literacy of the Russian population»

DEVELOPING SAFETY CULTURE OF PROFESSIONAL ACTIVITIES OF FUTURE BUILDERS:

Relevance: the article substantiates the need to develop and experimentally test the effectiveness of the author’s methodological system. Theoretical analysis of the problem under study is carried out on the basis of scientific works on the formation of life safety cultures in young people and the development of pedagogical and methodological systems.
 Aim: of the article was to experimentally test the developed methodological system of forming a safety culture of professional activity for future builders and to substantiate its future prospects.
 Methods: theoretical; empirical (self-evaluation methods; peer evaluation); mathematical and statistical (frequency analysis; criterion test of statistical hypotheses; Spearman’s rank correlation coefficient; Statistical Package for the Social Science for the social sciences, Microsoft Excel).
 Results: a purposeful, personally-oriented, culturally appropriate and self-organizing methodological sys- tem has been developed that provides a continuous process of improving the complex of values and motives, knowledge and skills, as well as the development of professionally important qualities for the prevention and overcoming of dangerous situations and ecological threats literate behaviour, building effective communication in the professional environment during their training in vocational (vocational) educational institutions. The author defines the criteria and the corresponding indicators for assessing the levels of formation of a safety culture of professional activity in future builders.
 Conclusions: the results of the experiment confirmed the positive influence of the developed methodological system on the growth of the level of safety culture formation of professional activity in them. In the future, it is envisaged to study and apply the best foreign practices on its formation and development in future specialists, construction workers and teachers, to create an informational educational environment for its formation among vocational education institutions.

КРИТЕРИАЛЬНЫЕ АСПЕКТЫ СОЦИАЛЬНОЙ ДИАГНОСТИКИ ФИНАНСОВОЙ КУЛЬТУРЫ НАСЕЛЕНИЯ РОССИЙСКОЙ ФЕДЕРАЦИИ

The article describes the problems of choosing the criteria for success of the system of improving financial literacy of various target groups of residents of Russia. The problems of increasing their relevance in solving the problems of diagnosing individual and group levels of financial literacy, determining its competence, motivational and activity components are shown. The analysis of existing approaches to the use of various indicators and characteristics of financial literacy as the basis of financially literate behavior, as well as an important component of financial culture, is made. The possibility of using the risk criteria of financial behavior of citizens with insufficient financial literacy is indicated. The views on the use of sufficient and necessary criteria for determining the state and dynamics of financial literacy of the population in accordance with the needs of the market, the possibilities of information and communication banking technologies for providing financial services, as well as ensuring the protection of the rights and legitimate interests of the consumers of these services and the prevention of unfair financial practices. The article provides ways to visualize indicators of financial literacy, socio-cultural factors of its determination in order to saturate the state and municipal authorities with management information for the implementation of powers in the financial and economic sphere. The author includes in the article proposals for improving the system of increasing knowledge, skills and competencies among the population on financial issues, creating positive attitudes to actively use the possibilities of the modern financial market to preserve and enhance personal finances, as well as to effectively conduct business.

The Impact of Media Literacy Curriculum on the Literate Behavior of At-risk Adolescents

The Impact of Media Literacy Curriculum on the Literate Behavior of At-risk Adolescents

Connecting, Creating, and Composing: A Shared Multimodal Journey

Given the dynamic nature of our society, literacy conceptualizations are constantly being redefined. While print literacy continues to be the primary literacy within elementary classroom, the growing nature of technological capabilities, social networking, and multimodal affordances require educators to delve into explorations of how children can be successful in negotiating meaning in our world. As an elementary educator, university instructor, and mother of three children, the author explores personal views of literacy through a shared multimodal journal experience with her children. This article highlights the experiences of her son through the journaling process and how he selects material for a multimodal composition. Through this experience, the author highlights shifts in her personal beliefs about what constitutes literate behaviors and how these conceptualizations could potentially translate into authentic classroom practice.

Systems Engineering as a Literate Behavior

The recent emphasis on concepts dealing with knowledge management brings an interesting paradox to bear. Networked system federations reinforce growing globalization and nonlinear relationships. Given this, there's a mandate to move away from static architectural constructs toward a nondeterministic, multidisciplinary approach to systems design. The operational concept of a "living ontology" can bridge the gap between literate, nondeterministic human beings and literal, seemingly deterministic, machines.