FINANCE LITERACY AS A TOOL FOR MICROFINANCING: A LITERATURE REVIEW

Nishi Malhotra, Pankaj Baag

Abstract


The research goal of this study is to provide a summary of economic research and literature in the domain of financial literacy. There are 1.7 billion people in the world who do not have access to financial services. One of the goals of the UN Sustainable Development Goals is to reduce poverty through financial inclusion. Financial literacy has risen to prominence as a key element for achieving universal financial inclusion. Financial literacy is defined as the knowledge and ability of a person to understand the financial concepts. There is lack of theoretical framework and quantitative instruments for assessing the impact of financial literacy on financial behaviour. Financial literacy is a major policy issue in the realm of social and sustainable finance. The purpose of this study is to look at the existing literature in the realm of financial literacy and develop a comprehensive definition of financial literacy. For this study, the PRISMA methodology of systematic literature review was used. Financial knowledge, according to the research, does not lead to financial behaviour. Financial attitude plays an important role to transform financial knowledge into financial behaviour. There is need for further research to develop a theoretical framework and a quantitative method for measuring financial literacy. For policymakers and academics, this study will provide thorough insights into the meaning, definition and various dimensions of financial literacy as a concept.

JEL Code: G51, G53, G59

Keywords: Financial knowledge, financial literacy, financial attitude, microfinance.


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References


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London, United Kingdom, March.

Baron-Donovan, C., Wiener, R. L., Gross, K., & Block-Lieb, S. (2005). Financial literacy teacher training: A multiple-measure evaluation. Journal of Financial Counseling and Planning, 16(2), 63–75.

Bay, C., Catasús, B., &Johed, G. (2014). Situating financial literacy. Critical Perspectives on Accounting, 25(1), 36–45.

https://doi.org/10.1016/j.cpa.2012.11.011

Beal, D. J., & Delpachitra, S. B. (2003). Financial Literacy Among Australian University Students. Economic Papers,22(1), 65–78. https://doi.org/10.1111/j.1759-3441.2003.tb00337.x

Bernheim, B. D., & Garrett, D. M. (2003). The effects of financial education in the workplace: Evidence from a survey of households. Journal of Public Economics, 87(7–8), 1487–1519. https://doi.org/10.1016/S0047-2727(01)00184-0

Bhuvana, M., & Vasantha, S. (2016). Arabian Journal of Business and Drivers of Financial Inclusion to Reach Out Poor. 6(4). https://doi.org/10.4172/2223-5833.1000235

Borden, L. M., Lee, S. A., Serido, J., & Collins, D. (2008). Changing college students’ financial knowledge, attitudes, and behavior through seminar participation. Journal of Family and Economic Issues, 29(1), 23–40. https://doi.org/10.1007/s10834-007-9087-2

Braunstein, S., & Welch, C. (2002). Financial Literacy: An Overview of Practice, Research, and Policy. Federal Reserve Bulletin, 88(11), 0–0. https://doi.org/10.17016/bulletin.2002.88-11

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http://files.consumerfinance.gov/f/201501_cfpb_report_financial-well-being.pdf

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http://www.afi.es/EO/FinancialLiteracy.pdf

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Emmons, W. R. (2005). Saint Louis University Public Law Review Consumer-Finance Myths and Other Obstacles to Financial Literacy. 24(2).

Faulcon Bowen, C. (2002). Financial knowledge of teens and their parents. Journal of Financial Counseling and Planning, 13(2), 93–102.

Fernandes, D., Lynch, J. G., & Netemeyer, R. G. (2014). Financial literacy, financial education, and downstream financial behaviors. Management Science, 60(8), 1861–1883. https://doi.org/10.1287/mnsc.2013.1849

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Hira, T. K., & Loibl, C. (2005). Understanding the impact of employer-provided financial education on workplace satisfaction. Journal of Consumer Affairs, 39(1), 173–194. https://doi.org/10.1111/j.1745-6606.2005.00008.x

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Huston, S. J. (2010). Measuring Financial Literacy. 44(2), 296–316.

Jorgensen, B. L. (2007). Financial Literacy of College Students: Parental and Peer Influences. Journal of Chemical Information and Modeling, 53(9), 1689–1699.

Kadoya, Y., & Rahim Khan, M. S. (2020). Financial literacy in Japan: New evidence using financial knowledge, behavior, and attitude. Sustainability (Switzerland), 12(9). https://doi.org/10.3390/su12093683

Kumari, P. (2021). Factor Affecting for Personal Financial Literacy of Undergraduates. May.

Lester, D. (2002). Sd=5.0; 34.9%. 699–700.

Lusardi, A. (2008). NBER Working Paper Series Financial Literacy: an Essential Tool for Informed Consumer Choice? http://www.nber.org/papers/w14084

Lusardi, A., & Mitchell, O. S. (2011). Financial Literacy: Implication for Retirement Wellbeing. Financial Literacy: Implications for Retirement Security and the Financial Marketplace, 17–39. http://www.nber.org/papers/w17078

Lusardi, A., & Mitchelli, O. (2007). Financial literacy and retirement preparedness: Evidence and implications for financial education. Business Economics, 42(1), 35–44.

https://doi.org/10.2145/20070104

Lusardi, A., & Tufano, P. (2015). Debt literacy, financial experiences, and overindebtedness. Journal of Pension Economics and Finance, 14(4), 332–368.

https://doi.org/10.1017/S1474747215000232

Lyons, A., Rachlis, M., Scherpf, E., Lyons, A., Rachlis, M., & Scherpf, E. (2007). Working Paper Quantile Regressions. January, 1–36.

Mandell,^’, L., & Klein’’, L. S. (2007). FINANCIAL SERVICES REVIEW Financial Services Review 16 (2007) 105-116 =!^^=^^== Motivation and financial literacy.Financial Services Review, 16, 105–116.

Mandell, L. (2008). Financial Literacy of High School Students. 163–164.

Mandell, L., & Klein, L. S. (2009). The Impact of Financial Literacy Education on Subsequent Financial Behavior. 206, 15–24.

Marcolin, S., & Abraham, A. (2006). Financial literacy research: current literature and future opportunities. Proceedings of the 3rd International Conference on Contemporary Business, Australia, September, 21–22.

Moore, D. (2004). Survey of Financial Literacy in Washington State:December 2003. https://doi.org/10.13140/2.1.4729.4722

Naoum. (2007). No Titleبررسیرابطهعلیبیننرخبهرهونرختورم :بااستفادهازدادههایتابلویی. فصلنامهپژوهشهاياقتصادي, 3(September), 119–122.

One, D.-C., & Dornean, A. (2013). Defining and Measuring Financial Literacy. New Evidence from Romanian' Students of the Master in Finance. Annals of the Alexandru Ioan Cuza University - Economics, 59(2). https://doi.org/10.2478/v10316-012-0036-3

OECD. (2013). Financial Literacy and Inclusion: results of OECD/INPE survey across countries and by gender. Financial Literacy & Education: Russia Trust Fund, June, 1-175.https://www.oecd.org/daf/fin/financial-education/TrustFund2013_OECD_INFE_Fin_Lit_and_Incl_SurveyResults_by_Country_and_Gender.pdf

On, R., Own, T., & Years, T. (2008). Charles Schwab 2008 Parents & Money Survey Findings Insights into Money Attitudes, Behaviors and Concerns of Parents with Teens.

Reknes, I., Visockaite, G., Liefooghe, A., Lovakov, A., & Einarsen, S. V. (2019). Locus of control moderates the relationship between exposure to bullying behaviors and psychological strain. Frontiers in Psychology,10(JUN), 1–12.

https://doi.org/10.3389/fpsyg.2019.01323

Remund, D. L. (2010). Financial literacy explicated: The case for a more precise definition in an increasingly complex economy. Journal of Consumer Affairs, 44(2), 276–295. https://doi.org/10.1111/j.1745-6606.2010.01169.x

Repository, I. (2016). Conceptualising nancial literacy.

Robb, C. A., & Sharpe, D. L. (2009). Effect of personal financial knowledge on college students’ credit card behavior. Journal of Financial Counseling and Planning, 20(1), 25–43.

Salisbury, D., Turyn, T., Helman, R., & Greenwald, M. (2001). EBRI 2001 Retirement Survey: Retirement Confidence Retirement Survey (RCS), Minority RCS, and Small Employer Retirement Survey (SERS). EBRI Issue Brief / Employee Benefit Research Institute, 234, 1–26.

Servon, L. J., & Kaestner, R. (2008). Consumer financial literacy and the impact of online banking on the economic behavior of lower-income bank customers. Journal of Consumer Affairs, 42(2), 271–305.

https://doi.org/10.1111/j.1745-6606.2008.00108.x

Shockey, S. S. (2002). Low-wealth adults financial literacy. Money management behavior and associates factors, including critical thinking. ProQuest Dissertations and Theses, 3039524, 370.

Taft, M. K., Hosein, Z. Z., & Mehrizi, S. M. T. (2013). The Relation between Financial Literacy, Financial Wellbeing and Financial Concerns. International Journal of Business and Management, 8(11). https://doi.org/10.5539/ijbm.v8n11p63

Tennyson, S., & Nguyen, C. (2001). State curriculum mandates and student knowledge of personal finance. Journal of Consumer Affairs, 35(2), 241–262.

https://doi.org/10.1111/j.1745-6606.2001.tb00112.x

Tokunaga, H. (1993). The use and abuse of consumer credit: Application of psychological theory and research. Journal of Economic Psychology, 14(2), 285–316. https://doi.org/10.1016/0167-4870(93)90004-5

Volpe, R., Chen, H., & Pavlicko, J. (1996). Personal investment literacy among college students: A survey. Financial Practice and Education, 6(2), 86–94.

Wagland, S. P., & Taylor, S. (2009). When it comes to financial literacy, is gender really an issue ?Australasian Accounting, Business and Finance Journal, 3(1), 13–25.

http://ro.uow.edu.au/aabfj/vol3/iss1/3

Worthington, A. (2006). Predicting financial literacy in Australia. Financial Services Review, 15(1), 59–79.

http://ro.uow.edu.au/cgi/viewcontent.cgi?article=1124&context=commpapers

XIAO, J. J., NORING, F. E., & ANDERSON, J. G. (1995). College students’ attitudes towards credit cards. Journal of Consumer Studies & Home Economics, 19(2), 155–174. https://doi.org/10.1111/j.1470-6431.1995.tb00540.x

Xiao, J. J., & O’Neill, B. (2016). Consumer financial education and financial capability. International Journal of Consumer Studies, 40(6), 712–721.

https://doi.org/10.1111/ijcs.12285

Yahaya, R., Zainol, Z., Abidin, J. H. O. @ Z., & Ismail, R. (2019). The Effect of Financial Knowledge and Financial Attitudes on Financial Behavior among University Students. International Journal of Academic Research in Business and Social Sciences, 9(8), 22–32. https://doi.org/10.6007/ijarbss/v9-i8/6205

ANZ. (2008). ANZ Survey of Adult Financial Literacy in Australia (2008). October.

http://www.anz.com/Documents/AU/Aboutanz/AN_5654_Adult_Fin_Lit_Report_08_Web_Report_full.pdf

Atkinson, A., McKay, S., Kempson, E., & Collard, S. (2006). Levels of Financial Capability in the UK: results of a baseline survey. UK: Financial Services Authority.

London, United Kingdom, March.

Baron-Donovan, C., Wiener, R. L., Gross, K., & Block-Lieb, S. (2005). Financial literacy teacher training: A multiple-measure evaluation. Journal of Financial Counseling and Planning, 16(2), 63–75.

Bay, C., Catasús, B., & Johed, G. (2014). Situating financial literacy. Critical Perspectives on Accounting, 25(1), 36–45.

https://doi.org/10.1016/j.cpa.2012.11.011

Beal, D. J., & Delpachitra, S. B. (2003). Financial Literacy Among Australian University Students. Economic Papers, 22(1), 65–78.

https://doi.org/10.1111/j.1759-3441.2003.tb00337.x

Bernheim, B. D., & Garrett, D. M. (2003). The effects of financial education in the workplace: Evidence from a survey of households. Journal of Public Economics, 87(7–8), 1487–1519. https://doi.org/10.1016/S0047-2727(01)00184-0

Bhuvana, M., & Vasantha, S. (2016). Arabian Journal of Business and Drivers of Financial Inclusion to Reach Out Poor. 6(4). https://doi.org/10.4172/2223-5833.1000235

Borden, L. M., Lee, S. A., Serido, J., & Collins, D. (2008). Changing college students’ financial knowledge, attitudes, and behavior through seminar participation. Journal of Family and Economic Issues, 29(1), 23–40. https://doi.org/10.1007/s10834-007-9087-2

Braunstein, S., & Welch, C. (2002). Financial Literacy: An Overview of Practice, Research, and Policy. Federal Reserve Bulletin, 88(11), 0–0.

https://doi.org/10.17016/bulletin.2002.88-11

Bruhn, M., Leao, L. S., Legovini, A., Marchetti, R., & Zia, B. (2013). Financial Education and Behavior Formation : Large Scale Experimental Evidence from Brazil. Finance & PSD Impact Evaluation Note; No. 26. Washington, DC : World Bank Group., 1, 1–67.

http://siteresources.worldbank.org/NEWSLETTERS/Resources/442941-1360884692016/Financial_Education_IE_Feb_7_2013t.pdf

CFPB. (2015). Financial Well Being: The Goal of Financial Education. Consumer Financial Protection Bureau, January, 48.

http://files.consumerfinance.gov/f/201501_cfpb_report_financial-well-being.pdf

Cole, S., & Shastry, G. K. (2008). If You Are So Smart, Why Aren’t You Rich? The Effects of Education, Financial Literacy and Cognitive Ability on Financial Market Participation. Harvard Business School and Department of Economics, 1–49.

http://www.afi.es/EO/FinancialLiteracy.pdf

Courchane, M., & Zorn, P. (2005). Consumer literacy and creditworthiness. … and Pitfalls: As Consumer Options Multiply, Who Is …, February 2005, 1–33. http://www.wdfi.org/_resources/indexed/site/ymm/govcouncilfinlit/presentations/ConsumerLiteracyCreditWorthinessWI-DataWIDFI.pdf

Danes, S. M., & Haberman, H. R. (2007). Teen financial knowledge, self-efficacy, and behavior: A gendered view.Journal of Financial Counseling and Planning, 18(2), 48–60.

Emmons, W. R. (2005). Saint Louis University Public Law Review Consumer-Finance Myths and Other Obstacles to Financial Literacy. 24(2).

Faulcon Bowen, C. (2002). Financial knowledge of teens and their parents. Journal of Financial Counseling and Planning, 13(2), 93–102.

Fernandes, D., Lynch, J. G., & Netemeyer, R. G. (2014). Financial literacy, financial education, and downstream financial behaviors. Management Science, 60(8), 1861–1883. https://doi.org/10.1287/mnsc.2013.1849

FINRA. (2003). NASD Investor Literacy Research: Executive Summary.

For, P. (2018). 2018 Consumer Financial Literacy Survey Prepared For : 1–29.

Godsted, D., & Mccormick, M. H. (2007). National Adult Financial Literacy Research Overview. Network Financial Institute, August, 1–20.

Hira, T. K., & Loibl, C. (2005). Understanding the impact of employer-provided financial education on workplace satisfaction. Journal of Consumer Affairs, 39(1), 173–194. https://doi.org/10.1111/j.1745-6606.2005.00008.x

Hogarth, J. M., & Hilgert, M. A. (2002). Financial knowledge, experience and learning preference: preliminary results from a survey on financial literacy. Journal of Family and Consumer Sciences, 48, 1–7.

Huddleston-Casasdanesboyce.Pdf. (n.d.).

Hung, A. A., Parker, A. M., Yoong, J. K., Parker, A. M., & Yoong, J. (2009). Defining and Measuring Financial Literacy.

Huston, S. J. (2010). Measuring Financial Literacy. 44(2), 296–316.

Jorgensen, B. L. (2007). Financial Literacy of College Students: Parental and Peer Influences. Journal of Chemical Information and Modeling, 53(9), 1689–1699.

Kadoya, Y., & Rahim Khan, M. S. (2020). Financial literacy in Japan: New evidence using financial knowledge, behavior, and attitude. Sustainability (Switzerland), 12(9). https://doi.org/10.3390/su12093683

Kumari, P. (2021). Factor Affecting for Personal Financial Literacy of Undergraduates. May.

Lester, D. (2002). Sd=5.0; 34.9%. 699–700.

Lusardi, A. (2008). NBER Working Paper Series Financial Literacy: an Essential Tool for Informed Consumer Choice? http://www.nber.org/papers/w14084

Lusardi, A., & Mitchell, O. S. (2011). Financial Literacy: Implication for Retirement Wellbeing. Financial Literacy: Implications for Retirement Security and the Financial Marketplace, 17–39. http://www.nber.org/papers/w17078

Lusardi, A., & Mitchelli, O. (2007). Financial literacy and retirement preparedness: Evidence and implications for financial education. Business Economics, 42(1), 35–44.

https://doi.org/10.2145/20070104

Lusardi, A., & Tufano, P. (2015). Debt literacy, financial experiences, and overindebtedness. Journal of Pension Economics and Finance, 14(4), 332–368. https://doi.org/10.1017/S1474747215000232

Lyons, A., Rachlis, M., Scherpf, E., Lyons, A., Rachlis, M., & Scherpf, E. (2007).

Working Paper Quantile Regressions. January, 1–36.

Mandell,^’, L., & Klein’’, L. S. (2007). FINANCIAL SERVICES REVIEW Financial Services Review 16 (2007) 105-116 =!^^=^^== Motivation and financial literacy.

Financial Services Review, 16, 105–116.

Mandell, L. (2008). Financial Literacy of High School Students. 163–164.

Mandell, L., & Klein, L. S. (2009). The Impact of Financial Literacy Education on Subsequent Financial Behavior. 206, 15–24.

Marcolin, S., & Abraham, A. (2006). Financial literacy research: current literature and future opportunities. Proceedings of the 3rd International Conference on Contemporary Business, Australia, September, 21–22.

Moore, D. (2004). Survey of Financial Literacy in Washington State:December 2003.

https://doi.org/10.13140/2.1.4729.4722

Naoum. (2007). No Titleبررسیرابطهعلیبیننرخبهرهونرختورم :بااستفادهازدادههایتابلویی. فصلنامهپژوهشهاياقتصادي, 3(September), 119–122.

One, D.-C., & Dornean, A. (2013). Defining and Measuring Financial Literacy. New Evidence from Romanian' Students of the Master in Finance. Annals of the Alexandru Ioan Cuza University - Economics, 59(2). https://doi.org/10.2478/v10316-012-0036-3

OECD. (2013). Financial Literacy and Inclusion: results of OECD/INPE survey across countries and by gender. Financial Literacy & Education: Russia Trust Fund, June, 1–175.

https://www.oecd.org/daf/fin/financial-education/TrustFund2013_OECD_INFE_Fin_Lit_and_Incl_SurveyResults_by_Country_and_Gender.pdf

On, R., Own, T., & Years, T. (2008). Charles Schwab 2008 Parents & Money Survey Findings Insights into Money Attitudes , Behaviors and Concerns of Parents with Teens.

Reknes, I., Visockaite, G., Liefooghe, A., Lovakov, A., & Einarsen, S. V. (2019).

Locus of control moderates the relationship between exposure to bullying behaviors and psychological strain. Frontiers in Psychology, 10(JUN), 1–12.

https://doi.org/10.3389/fpsyg.2019.01323

Remund, D. L. (2010). Financial literacy explicated: The case for a more precise definition in an increasingly complex economy. Journal of Consumer Affairs, 44(2), 276–295. https://doi.org/10.1111/j.1745-6606.2010.01169.x

Repository, I. (2016). Conceptualising nancial literacy.

Robb, C. A., & Sharpe, D. L. (2009). Effect of personal financial knowledge on college students’ credit card behavior. Journal of Financial Counseling and Planning, 20(1), 25–43.

Salisbury, D., Turyn, T., Helman, R., & Greenwald, M. (2001). EBRI 2001 Retirement Survey: Retirement Confidence Retirement Survey (RCS), Minority RCS, and Small Employer Retirement Survey (SERS). EBRI Issue Brief / Employee Benefit Research Institute, 234, 1–26.

Servon, L. J., & Kaestner, R. (2008). Consumer financial literacy and the impact of online banking on the financial behavior of lower-income bank customers. Journal of Consumer Affairs, 42(2), 271–305. https://doi.org/10.1111/j.1745-6606.2008.00108.x

Shockey, S. S. (2002). Low-wealth adults financial literacy. Money management behavior and associates factors, including critical thinking. ProQuest Dissertations and Theses, 3039524, 370.

Taft, M. K., Hosein, Z. Z., & Mehrizi, S. M. T. (2013). The Relation between Financial Literacy, Financial Wellbeing and Financial Concerns. International Journal of Business and Management, 8(11). https://doi.org/10.5539/ijbm.v8n11p63

Tennyson, S., & Nguyen, C. (2001). State curriculum mandates and student knowledge of personal finance. Journal of Consumer Affairs, 35(2), 241–262.

https://doi.org/10.1111/j.1745-6606.2001.tb00112.x

Tokunaga, H. (1993). The use and abuse of consumer credit: Application of psychological theory and research. Journal of Economic Psychology,14(2), 285–316.

https://doi.org/10.1016/0167-4870(93)90004-5

Volpe, R., Chen, H., & Pavlicko, J. (1996). Personal investment literacy among college students: A survey. Financial Practice and Education, 6(2), 86–94.

Wagland, S. P., & Taylor, S. (2009). When it comes to financial literacy , is gender really an issue ? Australasian Accounting, Business and Finance Journal, 3(1), 13–25.

http://ro.uow.edu.au/aabfj/vol3/iss1/3

Worthington, A. (2006). Predicting financial literacy in Australia. Financial Services Review, 15(1), 59–79.

http://ro.uow.edu.au/cgi/viewcontent.cgi?article=1124&context=commpapers

XIAO, J. J., NORING, F. E., & ANDERSON, J. G. (1995). College students’ attitudes towards credit cards. Journal of Consumer Studies & Home Economics, 19(2), 155–174. https://doi.org/10.1111/j.1470-6431.1995.tb00540.x

Xiao, J. J., & O’Neill, B. (2016). Consumer financial education and financial capability. International Journal of Consumer Studies, 40(6), 712–721.

https://doi.org/10.1111/ijcs.12285

Yahaya, R., Zainol, Z., Abidin, J. H. O. @ Z., & Ismail, R. (2019). The Effect of Financial Knowledge and Financial Attitudes on Financial Behavior among University Students. International Journal of Academic Research in Business and Social Sciences, 9(8), 22–32. https://doi.org/10.6007/ijarbss/v9-i8/6205


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