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Pénzügyi képességek és a mélyszegény, szegregált roma családok pénzügyi helyzete
[Financial capabilities and the financial situation of Roma families living in extreme poverty and spatial segregation]

Author

Listed:
  • Kosztopulosz, Andreász
  • Málovics, György
  • Méreiné Berki, Boglárka

Abstract

A pénzügyi inklúzióra a döntéshozók sokszor a társadalmi integráció eszközeként tekintenek, az inklúzió egyik fontos eszközének pedig a pénzügyi tudatosság fejlesztését tartják. E logika szerint a társadalom szegregált, stigmatizált, mélyszegény rétegeiben a pénzügyi tudatosság fejlesztésén keresztül (is) támogatható a pénzügyi inklúzió, és így végső soron az érintettek jólléte. Tanulmányunkban ezen logikai lánc érvényességét vizsgáljuk egy hosszú távú együttműködési folyamatra építve, félig strukturált egyéni mélyinterjúkra és kvalitatív jellegű megfigyeléseinkre alapozva. Következtetésünk, hogy a fenti logikai lánc (pénzügyi tudatosság fejlesztése ’ pénzügyi inklúzió ’ jóllét) a középosztály perspektíváját tükrözi, s mint ilyen, meglehetősen provincionális, lévén az érintett közösségekben számos olyan megélhetési stratégia van jelen, amely a pénzügyi tudatosság konvencionális megközelítésmódjával nem mérhető és értelmezhető. Így az érintettek társadalmi integrációjának tényleges elősegítése érdekében érdemesebb a pénzügyi képességek megközelítése által hangsúlyozott speciális, elsősorban a szegregációhoz, szegénységhez és stigmatizációhoz kapcsolódó társadalmi átváltási tényezőkre koncentrálni.

Suggested Citation

  • Kosztopulosz, Andreász & Málovics, György & Méreiné Berki, Boglárka, 2024. "Pénzügyi képességek és a mélyszegény, szegregált roma családok pénzügyi helyzete [Financial capabilities and the financial situation of Roma families living in extreme poverty and spatial segregati," Közgazdasági Szemle (Economic Review - monthly of the Hungarian Academy of Sciences), Közgazdasági Szemle Alapítvány (Economic Review Foundation), vol. 0(7), pages 850-874.
    • Handle: RePEc:ksa:szemle:2200
    DOI: 10.18414/KSZ.2024.7-8.850
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    References listed on IDEAS

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    1. Gábor Kertesi & Gábor Kézdi, 2016. "On the test score gap between Roma and non-Roma students in Hungary and its potential causes," The Economics of Transition, The European Bank for Reconstruction and Development, vol. 24(1), pages 135-162, January.
    2. Margaret Miller & Julia Reichelstein & Christian Salas & Bilal Zia, 2015. "Can You Help Someone Become Financially Capable? A Meta-Analysis of the Literature," The World Bank Research Observer, World Bank, vol. 30(2), pages 220-246.
    3. Gábor Kertesi & Gábor Kézdi, 2011. "Roma employment in Hungary after the post‐communist transition," The Economics of Transition, The European Bank for Reconstruction and Development, vol. 19(3), pages 563-610, July.
    4. Galster, George, 2002. "An economic efficiency analysis of deconcentrating poverty populations," Journal of Housing Economics, Elsevier, vol. 11(4), pages 303-329, December.
    5. Márton Gosztonyi & Dániel Havran, 2022. "Highways to Hell? Paths Towards the Formal Financial Exclusion: Empirical Lessons of the Households from Northern Hungary," The European Journal of Development Research, Palgrave Macmillan;European Association of Development Research and Training Institutes (EADI), vol. 34(3), pages 1573-1606, June.
    6. World Bank, 2014. "Global Financial Development Report 2014 : Financial Inclusion," World Bank Publications - Books, The World Bank Group, number 16238.
    7. Bay, Charlotta & Catasús, Bino & Johed, Gustav, 2014. "Situating financial literacy," CRITICAL PERSPECTIVES ON ACCOUNTING, Elsevier, vol. 25(1), pages 36-45.
    8. Benjamin Saunders & Julius Sim & Tom Kingstone & Shula Baker & Jackie Waterfield & Bernadette Bartlam & Heather Burroughs & Clare Jinks, 2018. "Saturation in qualitative research: exploring its conceptualization and operationalization," Quality & Quantity: International Journal of Methodology, Springer, vol. 52(4), pages 1893-1907, July.
    9. Kertesi, Gábor & Kézdi, Gábor, 2009. "Általános iskolai szegregáció Magyarországon az ezredforduló után [Primary school segregation in Hungary at the turn of the century]," Közgazdasági Szemle (Economic Review - monthly of the Hungarian Academy of Sciences), Közgazdasági Szemle Alapítvány (Economic Review Foundation), vol. 0(11), pages 959-1000.
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    More about this item

    JEL classification:

    • C93 - Mathematical and Quantitative Methods - - Design of Experiments - - - Field Experiments
    • D91 - Microeconomics - - Micro-Based Behavioral Economics - - - Role and Effects of Psychological, Emotional, Social, and Cognitive Factors on Decision Making
    • E26 - Macroeconomics and Monetary Economics - - Consumption, Saving, Production, Employment, and Investment - - - Informal Economy; Underground Economy
    • G53 - Financial Economics - - Household Finance - - - Financial Literacy
    • I31 - Health, Education, and Welfare - - Welfare, Well-Being, and Poverty - - - General Welfare, Well-Being
    • I32 - Health, Education, and Welfare - - Welfare, Well-Being, and Poverty - - - Measurement and Analysis of Poverty

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