Formation of financial literacy of schoolchildren by teaching solving problems with economic content
Keywords:
literacy, mathematical literacy, financial literacy, PISA, integration, financial and economic problems.Abstract
This article examines the problem of developing financial literacy among the population, especially among students in secondary schools. The need and methods for improving financial literacy are discussed, with particular emphasis on the subject of mathematics. The article emphasizes the relevance of including the formation of basic financial literacy skills as an important aspect of educating the new generation in the curricula of various school subjects. Ways to integrate financial literacy skills into mathematics instruction are also explored. In the context of mathematics lessons, tasks with real financial and economic content are proposed, aimed at developing basic financial literacy skills among students in grades 5-6. These tasks contribute to the development of basic financial and economic concepts that reflect key aspects of financial relations, as well as the development of practical skills and competencies. Because mathematics and finance share common aspects, using math problems with a financial context helps expand students' understanding of the real-life applications of mathematics in everyday life. The article also demonstrates that knowledge of basic financial concepts and their application in practice contribute to the development of understanding that can contribute to the development of thrift and sound money management skills. The effectiveness of this process is confirmed by the results of experiments conducted in the article.
References
Björklund, M. (2019). Teaching financial literacy: Competence, context and strategies among Swedish teachers. Journal of Social Science Education, 18(2), 28-48. https://doi.org/10.4119/jsse-1426
Abylkassymova, A., Mubarakov, A., Yerkisheva, Z., Turganbayeva, Z., & Baysalov, Z. Assessment of Financial Literacy Formation Methods in Mathematics Education: Financial Computation -International Journal of Emerging Technologies in Learning (iJET). – eISSN: 1863-0383. – Vol.15. – No.16. – Germany, 2020. -pp. 49-67. doi:10.3991/ijet.v15i16.14587
Bell, S. (2010). Project-based learning for the 21st century: Skills for the future. The Clearing House, 83(2), 39-43. https://doi.org/10.1080/00098650903505415
Jayaraman, J. D., & Jambunathan, S. (2018). Financial literacy among high school students:Evidence from India. Citizenship, Social and Economics Education, 17(3), 168-187.https://doi.org/10.1177/2047173418809712
Еркишева Ж.С., Назарова К.Ж. Ақпараттық технология құралдарымен оқушылардың қаржылық сауаттылығын қалыптастыру // Ясауи университетінің Хабаршысы.– Түркістан, 2020. – №1,(115). – 169-180 б.
Lusardi, A. (2011). American financial capability. National Bureau of Economic Research, Working Paper Series, 1(1), 1–26. http://www.nber.org
Хасенова К.Е., Исмаилова Г.К., Паримбекова Л.З., Қуантқан Б., Анарбеков Н.М. (2022).Обзор литературы по методам оценки финансовой грамотности и опыт Казахстана. Экономика: стратегия и практика, 17(3), 226-241, https://doi.org/10.51176/1997-9967-2022-3-226-241
Tasha, N., Vardari, L., &Arapi, D. (2018). The Impact of Microfinance Institutions (MFI) on Small and Medium Enterprises (SME) in Kosovo. International Journal of Social and Humanities Sciences, 2 (2), p. 97-104.Retrieved from https://dergipark.org.tr/en/pub/ijshs/issue/40922/494307
Mändmaa, S. (2019). Analyzing the Factors Influencing University Students' Financial Literacy. International Journal for Innovation Education and Research. 7(7), p. 1-27.
https://doi.org/10.31686/ijier.vol7.iss7.1628
Xu, L., & Zia, B. (2012). Financial Literacy around the World: An Overview of the Evidence with Practical Suggestions for the Way Forward. Policy Research Working Papers. https://doi.org/10.1596/1813-9450-6107
Atkinson, A., & Messy, F.-A. (2012). Measuring Financial Literacy Results of The OECD / International Network on Financial Education (INFE) Pilot Study. In Journal of Consumer Affairs. https://doi.org/10.1111/j.1745-6606.2010.01170.x
Симонов А.С. Математические модели экономики в школьном курсе математики: Дисс... доктора пед наук . – Тула, 2000, - 328 с,
Еркишева Ж.С. Орта мектеп оқушыларын мәтінді есептерді шығаруға үйрету арқылы қаржылық сауаттылығын қалыптастыру әдістемесі: философия док. … дис.: 6D010900–Математика. – Алматы, 2022. -174 б.
Алмазова Т.А., Трунтаева Т.И. К вопросу об исследовании проблемы формирования финансовой грамотности школьников в процессе изучения математики // Проблемы современного педагогического образования. 2018. №58-3. С. 40-44.
Қағазбаева Ә.К. Математикадан білім беру сапасын арттыру бағыттары //«Жаңартылған білім беру мазмұны жағдайында мектеп пен жоғары оқу орындарында математика мен физиканы оқытудың өзекті мәселелері» атты Халықаралық ғылыми-практикалық конференцияның материалдары. – Алматы: Абай ат. ҚазҰПУ, «Ұлағат» баспасы, 2022. – Б.114-117.
Әбілқасымова А.Е. және т.б. Математика: Жалпы білім беретін мектептің 5-сыныбына арналған оқулық. – 1-бөлім. – Алматы: Мектеп, 2017. – 144 б.
Әбілқасымова А.Е. және т.б. Математика: Жалпы білім беретін мектептің 6-сыныбына арналған оқулық. – 1-бөлім. – Алматы: Мектеп, 2018. – 184 б.
Әбілқасымова А.Е. және т.б. Алгебра: Жалпы білім беретін мектептің 7-сыныбына арналған оқулық. – Алматы: Мектеп, 2017. – 272 б.
Björklund, M. (2019). Teaching financial literacy: Competence, context and strategies among Swedish teachers. Journal of Social Science Education, 18(2), 28-48. https://doi.org/10.4119/jsse-1426
Abylkassymova, A., Mubarakov, A., Yerkisheva, Z., Turganbayeva, Z., & Baysalov, Z. Assessment of Financial Literacy Formation Methods in Mathematics Education: Financial Computation -International Journal of Emerging Technologies in Learning (iJET). – eISSN: 1863-0383. – Vol.15. – No.16. – Germany, 2020. -pp. 49-67. doi:10.3991/ijet.v15i16.14587
Bell, S. (2010). Project-based learning for the 21st century: Skills for the future. The Clearing House, 83(2), 39-43. https://doi.org/10.1080/00098650903505415
Jayaraman, J. D., & Jambunathan, S. (2018). Financial literacy among high school students:Evidence from India. Citizenship, Social and Economics Education, 17(3), 168-187.https://doi.org/10.1177/2047173418809712
Erkişeva J.S., Nazarova K.J. Aqparattyq tehnologiıa qūraldarymen oquşylardyŋ qarjylyq sauattylyğyn qalyptastyru // Iasaui universitetınıŋ Habarşysy.– Türkıstan, 2020. – №1,(115). – 169-180 b.
Lusardi, A. (2011). American financial capability. National Bureau of Economic Research, Working Paper Series, 1(1), 1–26. http://www.nber.org
Hasenova K.E., Ismailova G.K., Parimbekova L.Z., Quantqan B., Anarbekov N.M. (2022).Obzor literatury po metodam otsenki finansovoi gramotnosti i opyt Kazahstana. konomika: strategiıa i praktika, 17(3), 226-241, https://doi.org/10.51176/1997-9967-2022-3-226-241
Tasha, N., Vardari, L., &Arapi, D. (2018). The Impact of Microfinance Institutions (MFI) on Small and Medium
Enterprises (SME) in Kosovo. International Journal of Social and Humanities Sciences, 2 (2), p. 97-104.Retrieved from https://dergipark.org.tr/en/pub/ijshs/issue/40922/494307
Mändmaa, S. (2019). Analyzing the Factors Influencing University Students' Financial Literacy. International Journal for Innovation Education and Research. 7(7), p. 1-27.
https://doi.org/10.31686/ijier.vol7.iss7.1628
Xu, L., & Zia, B. (2012). Financial Literacy around the World: An Overview of the Evidence with Practical Suggestions for the Way Forward. Policy Research Working Papers. https://doi.org/10.1596/1813-9450-6107
Atkinson, A., & Messy, F.-A. (2012). Measuring Financial Literacy Results of The OECD / International Network on Financial Education (INFE) Pilot Study. In Journal of Consumer Affairs. https://doi.org/10.1111/j.1745-6606.2010.01170.x
Simonov A.S. Matematicheskie modeli konomiki v şkolnom kurse matematiki: Diss... doktora ped nauk . – Tula, 2000, - 328 s,
Erkişeva J.S. Orta mektep oquşylaryn mätındı esepterdı şyğaruğa üiretu arqyly qarjylyq sauattylyğyn qalyptastyru ädıstemesı: filosofiıa dok. … dis.: 6D010900–Matematika. – Almaty, 2022. -174 b.
Almazova T.A., Truntaeva T.I. K voprosu ob issledovanii problemy formirovaniıa finansovoi gramotnosti şkolnikov v protsesse izucheniıa matematiki // Problemy sovremennogo pedagogicheskogo obrazovaniıa. 2018. №58-3. S. 40-44.
Qağazbaeva Ä.K. Matematikadan bılım beru sapasyn arttyru bağyttary //«Jaŋartylğan bılım beru mazmūny jağdaiynda mektep pen joğary oqu oryndarynda matematika men fizikany oqytudyŋ özektı mäselelerı» atty Halyqaralyq ğylymi-praktikalyq konferentsiıanyŋ materialdary. – Almaty: Abai at. QazŪPU, «Ūlağat» baspasy, 2022. – B.114-117.
Äbılqasymova A.E. jäne t.b. Matematika: Jalpy bılım beretın mekteptıŋ 5-synybyna arnalğan oqulyq. – 1-bölım. – Almaty: Mektep, 2017. – 144 b.
Äbılqasymova A.E. jäne t.b. Matematika: Jalpy bılım beretın mekteptıŋ 6-synybyna arnalğan oqulyq. – 1-bölım. – Almaty: Mektep, 2018. – 184 b.
Äbılqasymova A.E. jäne t.b. Algebra: Jalpy bılım beretın mekteptıŋ 7-synybyna arnalğan oqulyq. – Almaty: Mektep, 2017. – 272 b.
