RT Conference Proceedings
T1 Financial knowledge of pre-university students: age and gender
A1 Ruiz-Palomo, Daniel
A1 Galache-Laza, María Teresa
A1 Cisneros-Ruiz, Ana José
A1 García-Lopera, Francisca
K1 Finanzas - Educación
AB Financial education is essential to improve the well-being of society at large by avoiding, to a large extent, erroneous financial decisions. It is, therefore, necessary to inculcate adequate financial literacy from an early age. The aim of this paper is to identify the possible effects of age and gender on the acquisition of financial literacy, exploring the potential interrelationships between them. Applying a set of multilevel (mixed effects) regression models to a sample of 9,917 pre-university students from 175 training centres in Andalusia, our results show that age and gender are significantly related to the pre-university student’s financial literacy. Moreover, gender plays a moderating role in the relationship between age and financial literacy acquisition. The results of this study have practical implications for teachers, students, school principals and educational planners because they help to understand better the critical factors in financial literacy at the pre-university level.
YR 2022
FD 2022
LK https://hdl.handle.net/10630/25472
UL https://hdl.handle.net/10630/25472
LA spa
NO Universidad de Málaga. Campus de Excelencia Internacional Andalucía Tech
DS RIUMA. Repositorio Institucional de la Universidad de Málaga
RD 21 ene 2026