On My Own: Boosting Financial Literacy Among Disadvantaged Youth in Peru

IF 1.4 3区经济学 Q2 ECONOMICS

Oxford Bulletin of Economics and Statistics Pub Date : 2025-01-27 DOI:10.1111/obes.12662

Chris M. Boyd, Jaime Ramos Duffaut

引用次数: 0

Abstract

Young adults can greatly benefit from financial education because they are starting to earn money and manage their personal finances. We use a randomised control trial to estimate the impacts of #PorMiCuenta (#OnMyOwn), an online asynchronous edutainment-based financial education program, on financial literacy among poor post-secondary scholarship recipients. We find this program has a large take-up (74%) and it improves financial knowledge (by 19.7 percentage points (p.p.)), abilities (22.8 p.p.), attitudes (23.7 p.p.), and behaviour (16.5 p.p.). Our findings suggest this type of financial education approach can be very effective and useful for targeting disadvantaged young adults.

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我自己：提高秘鲁贫困青年的金融知识

年轻人可以从理财教育中受益匪浅，因为他们开始赚钱并管理自己的个人财务。我们使用一项随机对照试验来估计#PorMiCuenta （#OnMyOwn）——一个基于异步教育的在线金融教育项目——对贫困中学后奖学金获得者金融素养的影响。我们发现这个项目有很大的使用率（74%），它提高了金融知识（19.7个百分点），能力（22.8个百分点），态度（23.7个百分点）和行为（16.5个百分点）。我们的研究结果表明，这种类型的金融教育方法对于针对弱势年轻人来说是非常有效和有用的。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Oxford Bulletin of Economics and Statistics 管理科学-统计学与概率论

CiteScore

5.10

自引率

0.00%

发文量

审稿时长

>12 weeks

期刊介绍： Whilst the Oxford Bulletin of Economics and Statistics publishes papers in all areas of applied economics, emphasis is placed on the practical importance, theoretical interest and policy-relevance of their substantive results, as well as on the methodology and technical competence of the research. Contributions on the topical issues of economic policy and the testing of currently controversial economic theories are encouraged, as well as more empirical research on both developed and developing countries.