espEconomy: strategy and practiceEconomy: strategy and practice1997-99672663-550XИнститут экономики10.51176/1997-9967-2022-3-226-241esp-809Research ArticleФИНАНСЫ И УПРАВЛЕНЧЕСКИЙ УЧЕТ, БУХГАЛТЕРСКИЙ УЧЕТFINANCE AND MANAGEMENT ACCOUNTING, ACCOUNTINGМетоды оценки финансовой грамотности: опыт КазахстанаMethods of Financial Literature Assessment: Kazakhstan’s Experiencehttps://orcid.org/0000-0002-0063-8536ХасеноваК. Е.KhassenovaK. Y.

Хасенова К.Е. – кандидат экономических наук

ул. Глинки 20а, 071412, Семей

Klara Ye. Khassenova – PhD in Economics

20a Glinka str., 071412, Semey

klarita_khassenova@mail.ruhttps://orcid.org/0000-0002-6061-6590ИсмаиловаГ. К.IsmailovaG. K.

Исмаилова Г.К. – кандидат филологических наук, профессор

ул. Глинки 20а, 071412, Семей

Gainigul K. Ismailova – PhD in Philology, professor

20a Glinka str., 071412, Semey

https://orcid.org/0000-0001-6962-4418ПаримбековаЛ. З.ParimbekovaL. Z.

Паримбекова Л.З. – кандидат экономических наук

ул. Глинки 20а, 071412, Семей

Lyazzat Z. Parimbekova – PhD in Economics

20a Glinka str., 071412, Semey

lyazzat-p@mail.ruhttps://orcid.org/0000-0002-5218-6447ҚуантқанБ.KuantkanB.

Қуантқан Б. - кандидат экономических наук

ул. Глинки 20а, 071412, Семей

 

Kuantkan Bibolat - PhD in Economics

20a Glinka str., 071412, Semey

bolat_76@mail.ruhttps://orcid.org/0000-0002-2273-7543АнарбековН. М.AnarbekovN. M.

Анарбеков Н.М. – магистр экономических наук

ул. Глинки 20а, 071412, Семей

 

Nurjan M. Anarbekov - Master in Economics

20a Glinka str., 071412, Semey

anarbekov.71@mail.ruНекоммерческое акционерное общество Университет имени Шакарима СемейКазахстанNon-profit joint-stock company Shakаrim University of SemeyKazakhstan202229092022173226241Copyright © Хасенова К.Е., Исмаилова Г.К., Паримбекова Л.З., Қуантқан Б., Анарбеков Н.М., 20222022Хасенова К.Е., Исмаилова Г.К., Паримбекова Л.З., Қуантқан Б., Анарбеков Н.М.Khassenova K.Y., Ismailova G.K., Parimbekova L.Z., Kuantkan B., Anarbekov N.M.Данная работа распространяется под лицензией Creative Commons Attribution 4.0.This work is licensed under a Creative Commons Attribution 4.0 License.https://esp.ieconom.kz/jour/article/view/809

Целью данного исследования является изучение зарубежного опыта и обзора литературы по методам оценки уровня финансовой грамотности, а также анализ уровня финансовой грамотности в Казахстане на основе официальных данных АФРР. В результате были разработаны рекомендации по дальнейшему совершенствованию методологии оценке в Казахстане, на основе проведенного литературного обзора. Новизна исследования заключается в систематизации методов и подходов различных организаций и ученых к оценке финансовой грамотности в зарубежных странах. Также в разработке рекомендаций по дальнейшему совершенствованию методологии оценки финансовой грамотности на основе зарубежного опыта. Результаты обзора литературы показали, что большинство исследований имеют общие черты. Во-первых, это анализ нескольких факторов, в то время как фокус их исследовательского интереса может отличаться. Во-вторых, целью исследования является анализ финансовой грамотности населения или конкретных групп людей. Анализ вторичных данных показывают, что финансово неграмотные граждане являются неэффективными участниками рынка ценных бумаг, имеют большие долги и нерационально используют источники финансирования. А также по уровню доходов – пенсионеры и молодежь. Поэтому есть необходимость в дальнейшем развитии, опираясь на опыт развитых стран, где высок уровень финансовой грамотности. Научная значимость работы состоит в разработки рекомендаций по повышению финансовой грамотности казахстанцев на основе методического аппарата, учитывающего комплексные подходы и национальные ограничения. Это очень важно как для теории, так и для практики дальнейшего развития государственной политики по повышению финансовой грамотности граждан Казахстана.

This research aims to study foreign experience and review the literature on methods for assessing financial literacy levels. Including analysis of financial literacy level in Kazakhstan based on official data from the AFRD. As a result, recommendations were developed for further improvement of the assessment methodology in Kazakhstan, based on the literature review. The research novelty lies in the systematization of the methods and approaches of various organizations and scientists to assess financial literacy in foreign countries. Additionally, development of recommendations for further improvement of financial literacy assessment based on foreign experience. Literature review results showed that many studies have standard features. Firstly, analysis of several factors may differ while the focus of their research interest. Secondly, the goal is to analyze t h e financial literacy of the population or specific groups of people. Secondary data analysis shows that financially illiterate citizens are inefficient participants in the securities market, have large debts, and use sources of financing irrationally. In terms of income – pensioners and youth. Therefore, there is a need for further development based on the experience of developed countries, where the level of financial literacy is high. The scientific significance of the work consists of the development of recommendations for improving the financial literacy of Kazakhstanis based on a methodological apparatus that considers integrated approaches and national restrictions. This is very important both for the theory and for the practice of further development of the state policy on improving the financial literacy of citizens of Kazakhstan.

экономикафинансовая грамотностьфинансовые рынкистратегияконцепция финансовой грамотностиметоды оценки финансовой грамотностиКазахстанпрактикаEconomy Financial LiteracyFinancial MarketsStrategyFinancial Literacy ConceptFinancial Literacy Assessment MethodsKazakhstanPracticeДанная статья была подготовлена в рамках проекта грантового финансирования МОН РК на 2021-2023 гг. по теме: «Мультимедийное образовательное пространство как инструмент формирования коммуникативных компетенций в сфере трехъязычного высшего образования» – ИРН AP09261245. Руководитель проекта Исмаилова Г.К.This article was prepared as part of the grant funding project of the Ministry of Education and Science of the Republic of Kazakhstan for 2021-2023 on the topic: «Multimedia educational space as a tool for the formation of communicative competencies in the field of trilingual higher education» – IRN AP09261245. Project manager Ismailova G.K.ReferencesAmeriks, J., Caplin, A., & Leahy, J. (2003). 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The authors declare that there are no conflicts of interest present.