FORMATION OF ENTREPRENEURSHIP AND FINANCIAL LITERACY AS A FOUNDATION OF ECONOMIC EDUCATION OF SCHOOL-AGE CHILDREN
Abstract
The article considers modern approaches and socio-pedagogical determinants of the formation of entrepreneurial competence and financial literacy, external to pedagogical theory and practice factors in social order, politics, ideology, economics, traditions, common culture of state and society, influencing the development of new pedagogical activities. in the field of financial education. Based on the analysis of statistical indicators of the current financial situation among the population in Ukraine revealed a relatively low level of knowledge, lack of key competencies in personal finance related to the idea of saving money, lending and insurance in the financial market, safe investing, tax discipline, adequate assessment of financial risks, it is established that in the field of financial behavior for Ukrainians are characterized by paternalism, lack of a pillow of financial security, negative attitude to wealth, ignorance of tools for choosing financial institutions, unwillingness to use financial services. It is studied that the formation of financial literacy, due to new socio-economic conditions, regulatory space, change of values, contributes to financial well-being, comprehensive growth, increasing the stability of financial systems and the economy as a whole. The article proves that the formation of financial literacy and entrepreneurial competence in students gives positive results, because with proper personal finance management a young person will be able to make smart decisions, form correct financial and entrepreneurial habits and use their knowledge in practice. The conditions of effective formation of entrepreneurship and financial literacy of secondary school students are substantiated. It has been established that learning entrepreneurship, the right attitude towards money and financial markets should follow the raising of general culture and social responsibility, otherwise, focusing only on practical knowledge and its applied nature, we risk getting a "one-dimensional person" who, according to Western sociologist Herbert Marcuse, is only a consumer.
References
Бонд Р., Куценко О., Лозинська Н. Фінансова грамотність та обізнаність в Україні: факти та висновки. Проект USAID «Розвиток фінансового сектору» (FINREP). Київ, 2010. 42 с.
Кізима Т.О. Фінансова грамотність населення: зарубіжний досвід і вітчизняні реалії. Вісник ТНЕУ. 2012. № 2. С. 64–71.
Критерии финансовой грамотности населения и пути ее повышения: Отчет по результатам исследования. URL: http://www.moneybasics.ru/articles/270 (дата звернення: 29.01.2022).
Кузьмінський А.І. Професійні знання. URL: http://libfree.com/136872923_pedagogikaprofesiyni_znannya.html (дата звернення: 19.05.2022).
Маркузе Г. Одномерный человек. [пер. с англ. А. В. Юдина]. Москва : АСТ, 2003. 331 с.
Смовженко Т.С. Фінансова грамотність населення та її вплив на розвиток економіки України. Регіональна економіка. 2013. № 2. С. 34–42.
Тер-Минасова С.Г. Язык и межкультурная коммуникация. Москва : Слово, 2000. 261 с.
Фрейре П. Педагогіка пригноблених [пер. з англ.]. Київ : Юніверс, 2003. 168 с.
Фромм Э. Иметь или быть? Москва : ACT, 2000. 448 с.
Шпак І. Фінансово безкультурні українці? Економічна правда. URL: www.epravda.com.ua/publications/2011/03/3/274995/ (дата звернення: 15.05.2022)
Юрій С.І. Фінансова грамотність населення у діалектиці сучасних освітніх тенденцій. Фінанси України. 2012. № 2. С. 16–25.
Bond R., Kutsenko O., Lozynska N. (2010) Finansova hramotnist ta obiznanist v Ukraini: fakty ta vysnovky [Financial literacy and awareness in Ukraine: facts and conclusions]. Proekt USAID «Rozvytok finansovoho sektoru» (FINREP) Kyiv. (in Ukrainian)
Kizyma T.O. (2012) Finansova hramotnist naselennia: zarubizhnyi dosvid i vitchyzniani realii [Financial literacy of the population: foreign experience and domestic realities]. Visnyk TNEU, no. 2, pp. 64–71.
Kriterii finansovoy gramotnosti naseleniya i puti yeye povysheniya: Otchet po rezul′tatam issledovaniya [Criteria for financial literacy of the population and ways to improve it: Report on the results of the study]. Available at: http://www.moneybasics.ru/articles/270 (accessed 29 January 2022).
Kuzminskyi A.I. Profesiini znannia [Professional knowledge]. Available at: http://libfree.com/136872923_pedagogikaprofesiyni_znannya.html (accessed 19 May 2022).
Markuze G. (2003) Odnomernyy chelovek [One-dimensional man]. Moscow: AST. (in Russian)
Smovzhenko T.S. (2013) Finansova hramotnist naselennia ta yii vplyv na rozvytok ekonomiky Ukrainy [Financial literacy of the population and its impact on the development of Ukraine's economy]. Rehionalna ekonomika, no. 2, pp. 34–42.
Ter-Minasova S.G. (2000) Yazyk i mezhkul′turnaya kommunikatsiya [Language and intercultural communication]. Moscow: Slovo. (in Russian)
Freire P. (2003) Pedahohika pryhnoblenykh [Pedagogy of the oppressed]. Kyiv: Yunivers. (in Ukrainian)
Fromm E. (2000) I met′i li byt′? [To have or to be?]. Moscow: AST. (in Russian)
Shpak I. (2011) Finansovo bezkulturni ukraintsi? [Financially uncultured Ukrainians?]. Ekonomichna pravda. [Economic truth]. Available at: www.epravda.com.ua/publications (accessed 15 May 2022).
Yurii S.I. (2012) Finansova hramotnist naselennia u dialektytsi suchasnykh osvitnikhten dentsii [Financial literacy of the population in the dialectic of modern educational trends]. Finansy Ukrainy, no. 2, pp. 16–25.
