Dulina N.V., Моiseeva D.V., Nebykov I.A. Financial literacy: gender aspect (on the materials of sociological research “Volgograd Omnibus”)

DOI: https://doi.org/10.15688/jvolsu7.2017.1.10

Nadezhda Vasilyevna  Dulina

Doctor of Sociological Sciences, Professor, Head of  Department of  History, Culture and Sociology,

Volgograd State Technical University

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Prosp. Lenina, 28, 400005 Volgograd, Russian Federation

Darya  Viktorovna  Моiseeva

Senior Lecturer, Department of Management, Marketing and Production Organization,

Volgograd State Technical University

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Prosp. Lenina, 28, 400005 Volgograd, Russian Federation

Ilya Aleksandrovich  Nebykov

Candidate of Historical Sciences, Associate Professor, Department of History, Culture and Sociology,

Volgograd State Technical University

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Prosp. Lenina, 28, 400005 Volgograd, Russian Federation


Abstract. The article substantiates the urgency of studying the differences in the level of financial literacy and financial behavior practices among men and women. The authors demonstrate approaches to the definition of “financial literacy”, widely used in foreign studies. The article substantiates the necessity of studying the processes of formation of financial literacy in the course of socialization, the necessity of assessing the role and tasks of men and women in these processes. The authors offer various levels of financial literacy from the point of view of socialization stages: a) active, passive; b) developed, undeveloped; c) formed, unformed.  The  proposed  levels  are  presented  in  a  single  diagram.  The authors review Russian and foreign research to study gender-specific financial behavior and financial literacy. The lack of elaboration of this problem and the lack of Russian studies on gender peculiarities of financial literacy are identified. The studies performed in different countries of the world (Brazil, UK, China, Malaysia, New Zealand) record a higher level of financial literacy among men, more responsible financial decisions taken by them over a wide range of available financial opportunities. The authors hypothesize the existence of differences in financial  practices, common  among  men  and  women.  For  empirical verification  of  the hypotheses  such  financial  practices  as  keeping  records  of  income  and  expenditure  of households, strategies in daily cash management, financial planning practice, as well as the attitude towards the possibility of establishing savings and loans, self-assessment of financial literacy, were chosen. The materials of sociological research monitoring aimed at studying the level of financial literacy of the population of the region, demonstrates gender differences in financial behavior.

Key words: financial literacy, economic behavior, financial behavior, gender aspect, financial risk, financial knowledge.        

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Financial literacy: gender aspect (on the materials of sociological research “Volgograd Omnibus”) by Dulina N.V., Моiseeva D.V., Nebykov I.A. is licensed under a Creative Commons Attribution 4.0 International License.

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