| تعداد نشریات | 25 |
| تعداد شمارهها | 552 |
| تعداد مقالات | 4,376 |
| تعداد مشاهده مقاله | 7,180,756 |
| تعداد دریافت فایل اصل مقاله | 3,732,306 |
ارزیابی سواد مالی دانشآموزان دختر و پسر پایه نهم در جهت توسعه حرفهای معلمان ریاضی | ||
| نظریه و عمل در تربیت معلمان | ||
| مقاله 9، دوره 10، شماره 18، مهر 1403، صفحه 147-166 اصل مقاله (1.63 M) | ||
| نوع مقاله: مقاله پژوهشی | ||
| شناسه دیجیتال (DOI): 10.48310/itt.2024.16225.909 | ||
| نویسندگان | ||
| مریم شایان1؛ نرگس یافتیان* 2 | ||
| 1دانشجوی دکتری، گروه ریاضی، دانشگاه تربیت دبیر شهید رجایی، تهران، ایران. | ||
| 2گروه ریاضی، دانشگاه تربیت دبیر شهید رجایی، تهران، ایران. | ||
| چکیده | ||
| پیشینه و اهداف: سواد مالی و درک مفاهیم آن برای دانشآموزان از اهمیت ویژهای برخوردار است. نظامهای تعلیموتربیت موظفاند با برنامهریزی آموزش مالی مدرسهای، در جهت ارتقای سطح سواد مالی دانشآموزان تلاش کنند. از سوی دیگر معلمان بهعنوان مجریان برنامههای درسی باید اطلاعات کافی از سطح سواد مالی دانش-آموزان داشته باشند؛ بنابراین، بررسی سطح سواد مالی دانشآموزان در جهت آگاهسازی معلمان و دانشجومعلمان ضروری است. تحقیق توصیفی پیمایشی حاضر با هدف بررسی و مقایسه سواد مالی دانش-آموزان دختر و پسر پایه نهم در جهت توسعه حرفهای معلمان ریاضی انجام گرفت. روشها: جامعه پژوهش، دانشآموزان پایه نهم شهر اصفهان و نمونه شامل 401 دانشآموز دختر و پسر بود که به روش تصادفی خوشهای انتخاب شدند. ابزار اندازهگیری آزمونی با 7 سؤال در قالب 3 مسئله بود که روایی آن توسط صاحبنظران تأیید شد. ضریب پایایی آزمون، 73/0 به دست آمد که نشاندهنده پایایی قابلقبول آن است. یافتهها: بر اساس نتایج، دانشآموزان در آزمون سواد مالی عملکرد نسبتاً قابلقبولی داشتند و در تمامی سؤالات آزمون، میانگین نمرات دانشآموزان با مقدار مورد انتظار مطالعه پیزا، دارای تفاوت معناداری بود. بر اساس بررسیهای انجامشده، در مسئله «برنامه های هزینه تلفن» بین نتایج دانشآموزان دختر و پسر تفاوت معناداری وجود داشت؛ اما در دو مسئله «دستگاه سینمای خانگی» و «قرارداد تلفن همراه»، این تفاوت معنادار نبود. درمجموع، در نمره کل آزمون، تفاوت معناداری بین عملکرد دانشآموزان دختر و پسر وجود نداشت. نتیجهگیری: نتایج این پژوهش میتوانند منجر به بازنگری در آموزش معلمان بهعنوان یکی از ارکان اصلی آموزش مدرسه ای، کتاب های درسی و روش های ارزشیابی با هدف ارتقای سواد مالی دانشآموزان شود. | ||
| کلیدواژهها | ||
| آموزش ریاضی؛ پایه نهم؛ دانشآموزان پایه نهم؛ سواد مالی؛ مطالعه پیزا | ||
| موضوعات | ||
| پژوهش های معلمی (درس پژوهی، اقدام پژوهی و ...) | ||
| عنوان مقاله [English] | ||
| Evaluation of financial literacy of ninth grade male and female students in the direction of professional development of mathematics teachers | ||
| نویسندگان [English] | ||
| Maryam Shayan1؛ Narges Yaftian2 | ||
| 1Department of Mathematics, Shahid Rajaei teacher training University, Tehran, Iran. | ||
| 2Department of Mathematics, Shahid Rajaee Teacher Training University, Teharn, Iran | ||
| چکیده [English] | ||
| Background and Objectives: Financial literacy is important for students. Education systems are obligated to improve students' financial literacy by planning financial education programs. On the other hand, teachers must have adequate knowledge of students' financial literacy levels. This descriptive survey research was conducted with the aim of evaluation of financial literacy of ninth grade male and female students in the direction of professional development of mathematics teachers. Methods: The research population was 9th grade students in Isfahan and the sample included 401 male and female students who were selected by cluster random method. The measurement tool was a test with 7 questions, the validity of which was confirmed by experts. The reliability coefficient of the test was 0.73, which indicates its acceptable reliability. Findings: Based on the results, the students had a relatively acceptable performance in the financial literacy test, and in all test questions, the average scores of the students had a significant difference with the expected value of the PISA study. There was a significant difference between male and female students' results on the 'Telephone cost plans' problem, but no significant difference was found in the two problems: 'Home theater device' and 'Mobile phone contract'. There was no significant difference between the performance of male and female students in the total score of the test. Conclusion: The results of this research can lead to a review of teacher training, textbooks and evaluation methods with the aim of improving students' financial literacy. | ||
| کلیدواژهها [English] | ||
| Financial Literacy, Ninth Grade, Mathematics Education, Ninth grade students, Pisa Study | ||
| مراجع | ||
|
عباسپور، نفیسه، حاتمی، جواد، صادقزاده، علیرضا، ایمانی، محسن، و پیغامی، عادل. (1401). طراحی و اعتبارسنجی الگوی بهینه برنامه درسی سواد مالی برای دانشآموزان دوره اول متوسطه. پژوهش در برنامهریزی درسی، 18(71)، 61-78. https://doi.org/10.30486/jsre.2022.1938995.1976
احمدی، غلامعلی، امام جمعه، سید محمدرضا، و علیزاده، لیلا. (1395). تحلیل محتوای کتابهای درسی دوره ابتدایی از نظر مؤلفههای سواد مالی و اقتصادی. پژوهش در برنامهریزی درسی، 12(20)، 179-192.
دیانتی دیلمی، زهرا، و حنیفهزاده، محمد. (1394). بررسی سطح سواد مالی خانوارهای تهرانی و عوامل مرتبط با آن. دانش مالی تحلیل اوراق بهادار، 8(26)، 115-139.
فیروزشاهی، فائزه، و یافتیان، نرگس. (1399). تحلیل محتوای کتاب ریاضی پایه ششم ابتدایی بر اساس سواد ریاضی. نظریه و عمل در تربیت معلمان، 6(9)، 87-108.
گویا، زهرا، فیروزیان، اطهر، و غلامزاد، سهیلا. (1398). ارتقای سواد مالی و تصمیمگیری مالی از طریق برنامه درسی ریاضی مدرسه. مطالعات برنامه درسی، 14(54)، 1-36.
کامیابی، شریف، و سمیعی، دوست محمد. (1401). شناسایی مؤلفههای دانش فناورانه مورد نیاز معلمان جدید برای بهکارگیری آن در فرایند تدریس. نظریه و عمل در تربیت معلمان، 8(14)، 21-42.
کدخدایی، محبوبه السادات. (1395). معلم دانشمند: نقدی بر دانش معلمی. نظریه و عمل در تربیت معلمان، 2(2)، 33-50.
خدابندهپناه، مینا، دوایی، مهدی، موسی پور، نعمتالله، و احمدی، غلامعلی. (1400). زمینهها و راهکارهای اجرای برنامه درسی سواد مالی برای دوره ابتدایی. نظریه و عمل در برنامه درسی، 9(17)، 361-394.
لویمی، حسن. (1396). بررسی وضعیت سواد مالی دانشآموزان مقطع متوسطه شهر اهواز و ارائۀ راهکارهایی برای ارتقای آن. پایاننامۀ کارشناسی ارشد، دانشگاه ایلام.
ناصرالمعمار، احسان، سبحانی، احمد، و حسنمرادی، نرگس. (1400). طراحی برنامه آموزش سواد مالی (مطالعه موردی: مدارس دوره اول متوسطه کشور). سبک زندگی اسلامی با محوریت سلامت، 5(1)، 332-350.
سلیمیپور ندوشن، مهدی. (1392). بررسی سواد مالی دانشآموزان مقطع متوسطه. پایاننامه کارشناسی ارشد. دانشگاه آزاد اسلامی، واحد یزد.
یعقوبنژاد، احمد، نیکومرام، هاشم، و معینالدین، محمود. (1390). ارائه مدل سنجش سواد مالی دانشآموزان ایرانی با استفاده از روش دلفی فازی. مهندسی مالی و مدیریت پرتفوی، 8(2)، 1-23.
Abaspour, N., Hatami, J., Sadeghzadeh, A., Eimani, M., & Peighami, A. (2022). Designing and validation the optimal model of financial literacy curriculum for junior high school students. Research in Curriculum Planning, 18(71), 61-78. https://doi.com/10.30486/jsre.2022.1938995.1976 [In Persian]
Abylkassymova, A., Mubarakov, A., Yerkisheva, Z., Turganbayeva, Z., & Baysalov, Z. (2020). Assessment of financial literacy formation methods in mathematics education: financial computation. International Journal of Emerging Technologies in Learning, 15(16), 49-67. https://doi.org/10.3991/ijet.v15i16.14587
Ahmadi, G. A., Imam, J. S. M. R., & Alizade, K. L. (2016). Contently analyzing the primary-school textbooks: Regarding the components of financial and economical literacy. Research in Curriculum Planning, 12(20), 179-192 [In Persian]
Ali, P., McRae, C., Ramsey, I. )2014(. Financial literacy and financial decision making of Australian secondary school students. Australian Business Law Review's journal. 42(3), 228–233.
Allgood, S., & Walstad, W. B. (2016). The effects of perceived and actual financial literacy on financial behaviors. Economic Inquiry, 54(1), 675–697.https://doi.org/10.1111/ecin.12255
Amagir, A. (2020). You can’t just spend all the money you have. Financial literacy education among young students in the Netherlands. Thesis. Universiteit van Amsterdam. TIER.
Amagir, A., van den Brink, H. M., Groot, W., & Wilschut, A. (2022). Save wise: The impact of a real-life financial education program for ninth grade students in the Netherlands. Journal of Behavioral and Experimental Financ. 33, 100605. https://doi.org/10.1016/j.jbef.2021.100605
Andreou, P. C., & Philip, D. (2018). Financial knowledge among university students and implications for personal debt and fraudulent investments. Cyprus Economic Policy Review, 12(2), 3–23. http://dx.doi.org/10.2139/ssrn.3250850
Bhutoria, A., & Vignoles, A. (2018). Do financial education interventions for women from poor households impact their financial behaviors? Experimental evidence from india. Journal of Research on Educational Effectiveness, 11(3), 409–432. https://doi.org/10.1080/19345747.2018.1465317
Bottazzi, L., & Lusardi, A. (2021). Stereotypes in financial literacy: Evidence from PISA. Journal of Corporate Finance, 71, 101831. https://doi.org/10.1016/j.jcorpfin.2020.101831
Carpena, F., & Zia, B. (2020). The causal mechanism of financial education: Evidence from mediation analysis. Journal of Economic Behavior and Organization, 177, 143–184. https://doi.org/10.1016/j.jebo.2020.05.001
Cavalcante, A. (2021). Mathematics Teachers’ Financial Numeracy Representations and Practices. Financial Numeracy in Mathematics Education: Research and Practice, 67-80. https://doi.org/10.1007/978-3-030-73588-3_8
Compen, B., De Witte, K., & Schelfhout, W. (2019). The role of teacher professional development in financial literacy education: A systematic literature review. Educational Research Review, 26, 16–31. https://doi.org/10.1016/j.edurev.2018.12.001
Cordero, J. M., Gil-Izquierdo, M., & Pedraja-Chaparro, F. (2022). Financial education and student financial literacy: A cross-country analysis using PISA 2012 data. The Social Science Journal, 59(1), 15-33. https://doi.org/10.1016/j.soscij.2019.07.011
Corsini, L., & Giannelli, G. C. (2021). Economics education and financial literacy acquisition: Evidence from a field experiment. Journal of Behavioral and Experimental Finance, 32, 100556. https://doi.org/10.1016/j.jbef.2021.100556
Davies, P., Syed, F., & Appleyard, L. (2016). Secondary school students’ understanding of the financial system. Economic Competence and Financial Literacy of Young Adults. Status and Challenges, (s 41), 62, 41–55.
Dianati Dilami, Z., & Hanifezadeh, M. (2015). Financial literacy level of Tehran households and its determinant factors. Financial Knowledge of Securities Analysis, 8(26), 115-139. [In Persian]
Ergun, K. (2018). Financial literacy among university students: A study in eight european countries. International Journal of Consumer Studies, 42, 2–15. https://doi.org/10.1111/ijcs.12408
Firouzshahi, F., & Yaftian, N. (2020). Content analysis of the sixth grade math textbook based on mathematical literacy. Theory and Practice in Teachers Education, 6(9), 87-108. [In Persian]
Gooya, Z., Firuzian, A., & Gholamazad, S. (2019). Enhancing financial literacy and financial decision making via school mathematics curriculum. Journal of Curriculum Studies, 14(54), 1-36. [In Persian]
Hamza, N., & Arif, I., (2019). Impact of Financial Literacy on Investment Decisions: The Mediating Effect of Big-Five Personality Traits Model. Market Forces College of Management Sciences, 14(1), 43-59.
Hayati, T. R., & Kamid, K. (2019). Analysis of mathematical literacy processes in high school students. International Journal of Trends in Mathematics Education Research, 2(3), 116-119. https://doi.org/10.33122/ijtmer.v2i3.70
Henderson, G., Beach, P. & Coombs, A. (2021). Financial Literacy Education in Ontario: An Exploratory Study of Elementary Teachers’ Perceptions, Attitudes, and Practices. Canadian Journal of Education / Revue canadienne de l'éducation, 44(2), 308–336. https://doi.org/10.53967/cje-rce.v44i2.4249
Hibbert, A., Lawrence, E., & Prakash, A. (2012). The role of financial education in the management of retirement savings. Journal of Behavioral Finance, 13, 299–307.
Indefenso, E. E., & Yazon, A. D. (2020). Numeracy level, mathematics problem skills, and financial literacy. Universal Journal of Educational Research, 8(10), 4393-4399. https://doi.org/10.13189/ujer.2020.081005
Ingale, K. K., & Paluri, R. A. (2022). Financial literacy and financial behaviour: A bibliometric analysis. Review of Behavioral Finance, 14(1), 130-154. https://doi.org/10.1080/15427560.2012.735727
Istiandaru, A., Syakrina, N., Setyawan, F., Charitas, R., Prahmana, I., Sofyan, A., & Hidayat, E. (2018). How students solve PISA tasks: An overview of students’ mathematical literacy. International Journal on Emerging Mathematics Education, 2, 129-138. https://doi.org/10.12928/ijeme.v2i2.10713
Iterbeke, K., De Witte, K., Declercq, K.& Schelfhout, W. )2019(. The effect of ability matching and differentiated instruction in financial literacy education. Evidence from two randomized control trials. Economics of Education Review, 78, 101941-101949. https://doi.org/10.1016/j.econedurev.2019.101949
Kaamyabi, S., & Samiei, D. M. (2023). Identifying the Components of Required Technological Knowledge by New Teachers to Apply it in the Teaching Process. Theory and Practice in Teachers Education, 8(14), 42-21. [In Persian]
Kadkhodaie, M. (2016). Scientist teacher: Criticism to teacher knowledge. Theory and Practice in Teachers Education, (Journal of New Strategies for Teacher Education), 2(2), 33-50. SID. [In Persian]
Kaiser, T., Lusardi, A., Menkhoff, L., & Urban, C. (2022). Financial education affects financial knowledge and downstream behaviors. Journal of Financial Economics, 145(2), 255-272. https://doi.org/10.1016/j.jfineco.2021.09.022
Kalmi, P. (2018). The effects of financial education: Evidence from Finnish lower secondary schools. Economic Notes: Review of Banking. Finance and Monetary Economics, 47(2-3), 353-386. https://doi.org/10.1111/ecno.12114
Khodapanah M, Davaei M, Mosapour N, & Ahmadi G. A. (2021). Background and strategies for implementing financial literacy curriculum for the elementary school. Theory & Practice in Curriculum Journal, 9(17), 361-394. [In Persian]
Khoirunnisaa, J., & Johan, I. R. (2020). The effects of financial literacy and self-control towards financial behavior among high school students in bogor. Journal of Consumer Sciences, 5(2), 73-86.
Khusaini, K., Mardisentosa, B., Bastian, A. F., Taufik, R., & Widiawati, W. (2022). The impact of financial education and socioeconomic status on the undergraduate students' financial literacy. Media Ekonomi dan Manajemen, 37(1), 55-76.
Klapper, L., & Lusardi, A. (2020). Financial literacy and financial resilience: Evidence from around the world. Financ. Manag, 49, 589–614. https://doi.org/10.1111/fima.12283
Kline, R. B. (2005). Principles and practice of structural equation modeling (2nd ed.). New York: Guilford.
Kurniawati, N. D. L., & Mahmudi, A. (2019). Analysis of mathematical literacy skills and mathematics self-efficacy of junior high school students. Journal of Physics: Conference Series, 1320(1), 012053. https://doi.org/10.1088/1742-6596/1320/1/012053
Loveimi, H. (2017). Investigating the financial literacy and provide solutions to improve it among students in secondary schools of Ahvaz city. Thesis. Ilam Univercity. [In Persian]
Lusardi, A., & Mitchell, O. S. (2011). Financial literacy and planning: Implications for retirement wellbeing. National Bureau of Economic Research.17078.
Medvedieva, M., Hodovaniuk, T., & Medvedieva, A. (2022). Problems of financial content as a means of forming financial literacy of students in mathematics lessons in primary school. Věda a perspektivy, 1 (8).
Mishra, M. K. (2019). Financial literacy and education for improving financial skills. SSRN Electronic Journal, 1–21. https://doi.org/10.3386/w17078
Naser al-Mamar E, Sobhani A, & Hasanmoradi N. (2021). Designing a financial literacy education program (case study: first year secondary schools in the country). Islamic Life Style, 5(1), 332-350. https://doi.org/10.14254/2071-789X.2016/9-4/12 [In Persian]
Noctor, M., Stoney, S., & Stradling, R. (1992). Financial literacy: A discussion of concepts and competences of financial literacy and opportunities for its introduction into young people‟s learning. National Foundation for Educational Research.
Nugraha, M. A. P., Violin, V., Anantadjaya, S. P., Nurlia, N., & Lahiya, A. (2023). Improving financial literacy through teaching materials on managing finance for millennials. Jurnal Ekonomi, 12(01), 1028-1032.
OECD. (2005). Improving financial literacy: Analysis of issues and policies. Paris: OECD.
OECD. (2013). PISA 2012 Assessment and analytical framework: Mathematics, reading, science, problem solving and financial literacy. OECD Publishing, Paris.
OECD. (2018). PISA 2018 released financial literacy items. OECD Publishing, Paris.
OECD. (2019). PISA 2018 assessment and analytical framework. OECD Publishing, Paris.
OECD. (2020). PISA 2018 Results (Volume IV): Are Students Smart About Money? IV (M. Achiron (ed.)). OECD Publishing, Paris.
Philippas, N. D., & Avdoulas, C. (2020). Financial literacy and financial well-being among Generation-Z university students: Evidence from Greece. The European Journal of Finance, 26(4-5), 360-381. https://doi.org/10.1080/1351847X.2019.1701512
Popovich, J. J., Loibl, C., Zirkle, C., & Whittington, M. S. (2020). Community college students’ response to a financial literacy intervention: An exploratory study. International Review of Economics Education, 34, 100182. https://doi.org/10.1016/j.iree.2020.100182
Priyadarshani, S., & Kumari, J. P. (2021). Factor affecting for personal financial literacy of undergraduates. International Journal of Research and Innovation in Social Science (IJRISS). 5(5), 208-215.
Robb, C. A., Babiarz, P., & Woodyard, A. (2012). The demand for financial professionals' advice: The role of financial knowledge, satisfaction, and confidence. Financial Services Review, 21(4), 291-306.
Roshandel, A., Amiri, A., & Toghyani, M. (2018). Financial literacy and necessity of its measurement in the new educational system: Case study Shahreza City. New Educational Approaches, 13(1), 67-86. https://doi.org/10.22108/nea.2018.103011.1059
Sagita, L., Putri, R. I. I., & Prahmana, R. C. I. (2022). Promising research studies between mathematics literacy and financial literacy through project-based learning. Journal on Mathematics Education, 13(4), 753-772. http://doi.org/10.22342/jme.v13i4.pp753-772
Saini, N. S. A., & Rosli, R. (2021). Financial elements in teaching and learning of mathematics: A systematic review. Macrothink Institute, Malaysia, 9(1), 1-18. http://doi.org/10.5296/ire.v9i1.18033
Salamipour Nodoushan, M. (2013). Investigating Financial literacy of high school students. Thesis. Islamic Azad Univercity, Yazd Brunch. [In Persian]
Salas‐Velasco, M., Moreno‐Herrero, D., & Sánchez‐Campillo, J. (2021). Teaching financial education in schools and students' financial literacy: A cross‐country analysis with PISA data. International Journal of Finance & Economics, 26(3), 4077-4103. https://doi.org/10.1002/ijfe.2005
Sari, R. H. N., & Wijaya, A. (2017). Mathematical literacy of senior high school students in Yogyakarta. Jurnal Riset Pendidikan Matematika, 4(1), 100-107. https://doi.org/10.21831/jrpm.v4i1.10649
Sawatzki, C. M., & Sullivan, P. A. (2018). Shopping for shoes: Teaching students to apply and interpret mathematics in the real world. International Journal of Science and Mathematics Education, 16(7), 1355–1373. https://doi.org/10.1007/s10763-017-9833-3
Shephard, D. D., Kaneza, Y. V., & Moclair, P. (2017). What curriculum? Which methods? A cluster randomized controlled trial of social and financial education in Rwanda. Children and youth services review, 82, 310-320. https://doi.org/10.1016/j.childyouth.2017.09.011
Silta, H. P., & Miharti, I. (2020). Factors affecting the level of financial literation in college student. Jambura Science of Management, 2(1), 15–23. https://doi.org/10.1016/j.childyouth.2017.09.011
Son, J., & Park, J. (2019). Effects of financial education on sound personal finance in Korea: Conceptualization of mediation effects of financial literacy across income classes. International Journal of Consumer Studies, 43(1), 77–86. https://doi.org/10.1111/ijcs.12486
Spivak, I., Mihus, I., & Greben, S. (2024). Financial literacy and government policies: An international study. Public Administration and Law Review, 2 (18), 21-33. https://doi.org/10.36690/2674-5216-2024-2-21-33
Tabatabaei Mazreno S J, Moinuddin M, Taftian A. (2024). Investigating the relationship between financial literacy and mental health with the mediating role of financial stress and financial behavior in second year high school students in Yazd city. The Journal of Toloo-e-Behdasht, 23(1), 98-108.https://doi.org/10.18502/tbj.v23i1.15526
Van Rooij, M. C., Lusardi, A., & Alessie, R. J. (2011). Financial literacy and retirement planning in the Netherlands. Journal of economic psychology, 32(4), 593-608. https://doi.org/10.1016/j.joep.2011.02.004
Wagner, J., & Walstad, W. (2019). The effects of financial education on short-term and long-term financial behaviors. Journal of Financial Counseling and Planning, 30(1), 132–141. https://doi.org/10.1111/joca.12210
Yaqub-Nejad, A., Nikumaram, H. & Moin-uddin, M. (2001). Presenting a model to measure the financial literacy of Iranian students using the fuzzy Delphi method. Financial Engineering and Portfolio Management, 8(2), 1-23. [In Persian]
Yeboah, A. P., Frejus, W. B., & Fianko, E. (2018). Financial literacy of undergraduate students: Do personality traits and cognitive ability matter? International Journal of Accounting and Financial Reporting, 8(4), 533-554 https://doi.org/10.5296/ijafr.v8i4.14012 | ||
|
آمار تعداد مشاهده مقاله: 729 تعداد دریافت فایل اصل مقاله: 371 |
||