IDEAS home Printed from https://ideas.repec.org/p/zbw/safewh/309426.html
   My bibliography  Save this paper

Hessenmonitor Finanzkompetenz: Was wissen junge Erwachsene in Hessen über Geld und Finanzen? Abschlussbericht

Author

Listed:
  • Duraj, Kamila
  • Laudenbach, Christine
  • Lindner, Vincent

Abstract

Der Stand der finanziellen Bildung in Deutschland zeigt ein ambivalentes Bild: Obwohl das Land in internationalen Studien zum Finanzwissen regelmäßig Spitzenplätze belegt, bestehen nach wie vor deutliche Defizite - vor allem bei sozio-demografisch benachteiligten Gruppen. Die vorliegende Studie stützt sich auf eine Umfrage unter jungen Erwachsenen (18-35 Jahre) in Hessen. Sie zeigt, dass aus ihrer Perspektive finanzielle Themen eine hohe Relevanz haben und ein großes Interesse an Finanzbildung besteht. Gleichzeitig weist die Studie auf zentrale Herausforderungen hin, darunter der Umgang mit finanziellem Stress. Mehr als die Hälfte der Befragten gibt an, offen über Geld zu sprechen und häufig Online-Quellen zu nutzen. Dabei stoßen sie jedoch auf eine Vielzahl unterschiedlicher, teils widersprüchlicher Informationen. Ihr Vertrauen richtet sich vor allem an das soziale Umfeld, das jedoch oft selbst nur eingeschränktes finanzielles Wissen besitzt. Für zukünftige Maßnahmen zur Steigerung der Finanzkompetenz in Hessen ist ein Ansatz erforderlich, der gezielt "teachable moments" nutzt, die Bedürfnisse der Zielgruppen berücksichtigt und den Übergang ins Erwachsenenleben mit grundlegender finanzieller Bildung begleitet. Dies ist umso dringlicher, da bislang 73% dieser Altersgruppe nach eigenen Angaben keine Form finanzieller Schulung erhalten haben. Nachhaltig gestaltete Bildungsmaßnahmen können nicht nur individuelle finanzielle Sicherheit stärken, sondern auch langfristig zur gesellschaftlichen Resilienz beitragen.

Suggested Citation

  • Duraj, Kamila & Laudenbach, Christine & Lindner, Vincent, 2025. "Hessenmonitor Finanzkompetenz: Was wissen junge Erwachsene in Hessen über Geld und Finanzen? Abschlussbericht," SAFE White Paper Series 110, Leibniz Institute for Financial Research SAFE.
    • Handle: RePEc:zbw:safewh:309426
    as

    Download full text from publisher

    File URL: https://www.econstor.eu/bitstream/10419/309426/1/1915931894.pdf
    Download Restriction: no
    ---><---

    References listed on IDEAS

    as
    1. Ingar K. Haaland & Christopher Roth & Stefanie Stantcheva & Johannes Wohlfart, 2024. "Understanding Economic Behavior Using Open-ended Survey Data," NBER Working Papers 32421, National Bureau of Economic Research, Inc.
    2. French, Declan & McKillop, Donal, 2016. "Financial literacy and over-indebtedness in low-income households," International Review of Financial Analysis, Elsevier, vol. 48(C), pages 1-11.
    3. Kaiser, Tim & Lusardi, Annamaria & Menkhoff, Lukas & Urban, Carly, 2022. "Financial education affects financial knowledge and downstream behaviors," Journal of Financial Economics, Elsevier, vol. 145(2), pages 255-272.
    4. Tabea Bucher-Koenen & Caroline Knebel, 2021. "Finanzwissen und Finanzbildung in Deutschland: Was wissen wir eigentlich?," Vierteljahrshefte zur Wirtschaftsforschung / Quarterly Journal of Economic Research, DIW Berlin, German Institute for Economic Research, vol. 90(1), pages 11-32.
    5. Duraj, Kamila & Grunow, Daniela & Chaliasos, Michael & Laudenbach, Christine & Siegel, Stephan, 2024. "Rethinking the stock market participation puzzle: A qualitative approach," SAFE Working Paper Series 441, Leibniz Institute for Financial Research SAFE.
    6. Annamaria Lusardi & Olivia S. Mitchell, 2008. "Planning and Financial Literacy: How Do Women Fare?," American Economic Review, American Economic Association, vol. 98(2), pages 413-417, May.
    7. Beatrice Ferrario & Stefanie Stantcheva, 2022. "Eliciting People's First-Order Concerns: Text Analysis of Open-Ended Survey Questions," AEA Papers and Proceedings, American Economic Association, vol. 112, pages 163-169, May.
    8. Tim Kaiser & Lukas Menkhoff, 2017. "Does Financial Education Impact Financial Literacy and Financial Behavior, and If So, When?," The World Bank Economic Review, World Bank, vol. 31(3), pages 611-630.
    9. Duraj, Kamila & Grunow, Daniela & Chaliasos, Michael & Laudenbach, Christine & Siegel, Stephan, 2024. "Rethinking the stock market participation puzzle: A qualitative approach," IMFS Working Paper Series 210, Goethe University Frankfurt, Institute for Monetary and Financial Stability (IMFS).
    10. Patrick J. Bayer & B. Douglas Bernheim & John Karl Scholz, 2009. "The Effects Of Financial Education In The Workplace: Evidence From A Survey Of Employers," Economic Inquiry, Western Economic Association International, vol. 47(4), pages 605-624, October.
    11. Lusardi, Annamaria & Kaiser, Tim, 2024. "Financial literacy and financial education: An overview," CEPR Discussion Papers 19185, C.E.P.R. Discussion Papers.
    12. Lusardi, Annamaria & Mitchell, Olivia S., 2011. "Financial literacy around the world: an overview," Journal of Pension Economics and Finance, Cambridge University Press, vol. 10(4), pages 497-508, October.
    13. David B. Allsop & McKay N. Boyack & E. Jeffrey Hill & Christoffer L. Loderup & Joshua E. Timmons, 2021. "When Parenting Pays Off: Influences of Parental Financial Socialization on Children’s Outcomes in Emerging Adulthood," Journal of Family and Economic Issues, Springer, vol. 42(3), pages 545-560, September.
    14. Driva, Anastasia & Lührmann, Melanie & Winter, Joachim, 2016. "Gender differences and stereotypes in financial literacy: Off to an early start," Economics Letters, Elsevier, vol. 146(C), pages 143-146.
    15. Furnham, Adrian, 1999. "The saving and spending habits of young people," Journal of Economic Psychology, Elsevier, vol. 20(6), pages 677-697, December.
    16. Farhi, Emmanuel & Panageas, Stavros, 2007. "Saving and investing for early retirement: A theoretical analysis," Journal of Financial Economics, Elsevier, vol. 83(1), pages 87-121, January.
    17. Blue, Levon & Grootenboer, Peter & Brimble, Mark, 2014. "Financial literacy education in the curriculum: Making the grade or missing the mark?," International Review of Economics Education, Elsevier, vol. 16(PA), pages 51-62.
    18. Adele Atkinson & Flore-Anne Messy & Lila Rabinovich & Joanne Yoong, 2015. "Financial Education for Long-term Savings and Investments: Review of Research and Literature," OECD Working Papers on Finance, Insurance and Private Pensions 39, OECD Publishing.
    19. Paige Ouimet & Geoffrey Tate, 2020. "Learning from Coworkers: Peer Effects on Individual Investment Decisions," Journal of Finance, American Finance Association, vol. 75(1), pages 133-172, February.
    Full references (including those not matched with items on IDEAS)

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Azra Zaimovic & Anes Torlakovic & Almira Arnaut-Berilo & Tarik Zaimovic & Lejla Dedovic & Minela Nuhic Meskovic, 2023. "Mapping Financial Literacy: A Systematic Literature Review of Determinants and Recent Trends," Sustainability, MDPI, vol. 15(12), pages 1-30, June.
    2. Lusardi, Annamaria & Michaud, Pierre-Carl & Mitchell, Olivia S., 2020. "Assessing the impact of financial education programs: A quantitative model," Economics of Education Review, Elsevier, vol. 78(C).
    3. Panu Kalmi & Gianluca Trotta & Andrius Kažukauskas, 2021. "Energy‐related financial literacy and electricity consumption: Survey‐based evidence from Finland," Journal of Consumer Affairs, Wiley Blackwell, vol. 55(3), pages 1062-1089, September.
    4. Tabea Bucher-Koenen & Rob Alessie & Annamaria Lusardi & Maarten van Rooij, 2021. "Fearless Woman. Financial Literacy and Stock Market Participation," Working Papers 708, DNB.
    5. Lusardi, Annamaria & Kaiser, Tim, 2024. "Financial literacy and financial education: An overview," CEPR Discussion Papers 19185, C.E.P.R. Discussion Papers.
    6. Paraboni, Ana Luiza & da Costa, Newton, 2021. "Improving the level of financial literacy and the influence of the cognitive ability in this process," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 90(C).
    7. Remya Tressa Jacob & Rudra Sensarma, 2022. "Does knowledge empower? A story of debt literacy and credit usage in rural consumer finance," Working papers 529, Indian Institute of Management Kozhikode.
    8. Sconti, Alessia & Caserta, Maurizio & Ferrante, Livio, 2024. "Gen Z and financial education: Evidence from a randomized control trial in the South of Italy," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 112(C).
    9. Tracey West & Michelle Cull, 2020. "Future Expectations and Financial Satisfaction," Economic Papers, The Economic Society of Australia, vol. 39(4), pages 318-335, December.
    10. Maya Haran Rosen & Orly Sade, 2017. "Does Financial Regulation Unintentionally Ignore Less Privileged Populations? The Investigation of a Regulatory Fintech Advancement, Objective and Subjective Financial Literacy," Bank of Israel Working Papers 2017.10, Bank of Israel.
    11. Daniele Chiavenato & Ricardo A. Madeira & Vitor Vaccaro, 2024. "Does financial education impact school attainment? Experimental evidence from Brazil," Nova SBE Working Paper Series wp666, Universidade Nova de Lisboa, Nova School of Business and Economics.
    12. Joana Elisa Maldonado & Kristof De Witte & Koen Declercq, 2022. "The effects of parental involvement in homework: two randomised controlled trials in financial education," Empirical Economics, Springer, vol. 62(3), pages 1439-1464, March.
    13. Andrej Cupák & Pirmin Fessler & Maria Silgoner & Elisabeth Ulbrich, 2021. "Exploring Differences in Financial Literacy Across Countries: The Role of Individual Characteristics and Institutions," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 158(2), pages 409-438, December.
    14. Francisco Gomes & Michael Haliassos & Tarun Ramadorai, 2021. "Household Finance," Journal of Economic Literature, American Economic Association, vol. 59(3), pages 919-1000, September.
    15. Gerrans, Paul, 2021. "Undergraduate student financial education interventions: Medium term evidence of retention, decay, and confidence in financial literacy," Pacific-Basin Finance Journal, Elsevier, vol. 67(C).
    16. Paladino, Giovanna, 2022. "Quanto conta il modo in cui viene posta la domanda? Un’analisi dell’effetto “framing” sul livello di alfabetizzazione finanziaria in Italia [Does the question wording matter? A study of the framing," MPRA Paper 111527, University Library of Munich, Germany.
    17. Kayla Czar & Aaron Gilbert & Ayesha Scott, 2021. "Life lessons: Leaving home and financial capability of young adults," Journal of Consumer Affairs, Wiley Blackwell, vol. 55(2), pages 556-579, June.
    18. Oscar A. Stolper & Andreas Walter, 2017. "Financial literacy, financial advice, and financial behavior," Journal of Business Economics, Springer, vol. 87(5), pages 581-643, July.
    19. Luis Oberrauch & Tim Kaiser, 2024. "Financial Education or Incentivizing Learning-by-Doing? Evidence from an RCT with Undergraduate Students," CESifo Working Paper Series 11187, CESifo.
    20. Grohmann, Antonia & Hübler, Olaf & Kouwenberg, Roy & Menkhoff, Lukas, 2021. "Financial literacy: Thai middle-class women do not lag behind," Journal of Behavioral and Experimental Finance, Elsevier, vol. 31(C).

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:zbw:safewh:309426. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: ZBW - Leibniz Information Centre for Economics (email available below). General contact details of provider: https://edirc.repec.org/data/csafede.html .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.