Abstract

The present study used a Solomon four-group quasi-experimental design to examine the short-term effect of a large-scale national financial education program on children’s knowledge and skills in responsible spending and performing transactions effectively. Our study included a representative sample of Dutch pupils in the fifth grade of primary school (N = 2,650). Controlling for different children-specific characteristics, results showed that the program increased pupils’ knowledge and skills scores in performing transactions effectively, but not in responsible spending. The insights gained from the present study show how financial education programs that enable children to immediately apply what they learn in practice can improve children’s knowledge and skills regarding certain financial competencies.

摘要

本研究使用所罗门四组准实验设计来检验大型国家金融教育计划对儿童负责任的支出和有效执行交易的知识和技能的短期影响。我们的研究包括代表性的荷兰小学五年级学生的样本（N  = 2,650）。通过控制针对儿童的不同特征，结果表明该程序提高了学生在有效执行交易中的知识和技能得分，但没有增加负责任的支出。从本研究中获得的见解表明，使儿童能够立即将他们所学的知识运用到实践中的金融教育计划可以如何提高儿童关于某些金融能力的知识和技能。