A Study on Financial Literacy through Life-span Development

2015 Fiscal Year Final Research Report

• Project/Area Number: 23530842
• Research Category: Grant-in-Aid for Scientific Research (C)
• Allocation Type: Multi-year Fund
• Section: 一般
• Research Field: Educational psychology
• Research Institution: Tohoku University
• Principal Investigator: KAMIYA Tetsuji 東北大学, 教育学研究科(研究院), 准教授 (60352548)
• Project Period (FY): 2011-04-28 – 2016-03-31
• Keywords: ファイナンシャル・リテラシー / 家計 / 経済知識 / 効力感 / ファイナンス / 夫婦 / 家族 / 満足

Outline of Final Research Achievements

The latest definition of financial literacy has been expanded to ‘consumers' financial behaviour' or ‘consumers' interactions with their social and economic environment'. Next, measurement scales of financial literacy are generally composed of declarative knowledge and numerical ability tests concerning personal finance. Moreover, it was addressed that, in previous studies, financial literacy has been based on the traditional concept of ‘homo economicus', and suggests the development of a new scale that includes items from the viewpoint of critical thinking.
Then the empirical study showed that financial knowledge, personal financial efficacy, financial behaviour, and financial satisfaction generally increased from 20's to 60's and that, on those concepts but finance behaviour, the scores of men were more than those of women. Moreover, in the focus on marital couples, finance knowledge of husbands correlated with marital satisfaction of not only husbands but also wives.

Free Research Field

発達心理学