بررسی مولفه های آموزش سواد مالی در پایه ششم ابتدایی از منظر اهداف تربیت مالی در سند تحول بنیادین بر اساس الگوی تایلر
الموضوعات :زهرا صدفی طهرانی 1 , معصومه السادات ابطحی 2 , عزت الله نادری 3 , مریم سیف نراقی 4
1 - دانشجوی دکتری، گروه علوم تربیتی، واحد علوم و تحقیقات تهران، دانشگاه آزاد اسلامی، تهران، ایران
2 - گروه علوم تربیتی، واحد علوم و تحقیقات تهران، دانشگاه آزاد اسلامی، تهران، ایران
3 - گروه علوم تربیتی، واحد علوم و تحقیقات تهران، دانشگاه آزاد اسلامی، تهران، ایران
4 - گروه علوم تربیتی، واحد علوم و تحقیقات، دانشگاه آزاد اسلامی، تهران، ایران
الکلمات المفتاحية: سواد مالی , مالیه شخصی, آموزش مالی, تحلیل مضمون, دوره ابتدایی.,
ملخص المقالة :
هدف این مطالعه،بررسی مولفه های آموزش"سواد مالی"در پایه ششم دبستان بر اساس الگوی برنامه درسی تایلر و سند تحول بنیادین بوده است.روش پژوهش کیفی و مشارکت کنندگان در این تحقیق 10 نفر از متخصصان در سه حوزه برنامه درسی، مالی و روانشناسی تربیتی بودند.برای گردآوری داده‌ها از مصاحبه نیمه ساختار یافته استفاده گردید. مصاحبه های مکتوب شده با استفاده از روش تحلیل مضمون تجزیه و تحلیل شدند . جهت اعتبار تحقیق، معیار لینکلن و گابا مورد استفاده شد. نتایج پژوهش نشان داد مولفه های موثر در آموزش سواد مالی در پایه ششم ابتدایی در بعد هدف¬های آموزشی شامل 2 مضمون فراگیر اخلاق مداری اجتماعی - مالی و فرهنگ سازی مالی با 4 مضمون سازمان دهنده و 14 مضمون پایه،در بعد محتوا، شامل 2 مضمون فراگیر برنامه آموزش سواد مالی و آموزش مهارت های رفتاری و روانی با 8 مضمون سازمان دهنده و 60 مضمون پایه و در بعد ساماندهی تجارب یاددهی-یادگیری شامل 1مضمون فراگیر توجه به عوامل محیطی و اجتماعی با 2مضمون سازمان دهنده و 10 مضمون پایه و در بعد ارزشیابی تجارب یادگیری شامل 1 مضمون فراگیر توجه به روش های متنوع و متناسب ارزیابی موثر و انگیزشی با 2 مضمون سازمان دهنده و 20 مضمون پایه بود.
References Abbaspour Esfahani, N., Hatami, J., Sadeghzadeh Gomsari, A., Imani, M., & Peighami, A. (2021). Curriculum Research Journal, 18(44).
Alizadeh Katnelouei, L. (2013). Content analysis of elementary school mathematics and social education textbooks based on the components of financial and economic literacy. Master's thesis, Faculty of Literature and Humanities, Shahid Rajaee University.
Ahmadi, G., Emam Jomeh, M. R., & Alizadeh, L. (2015). Investigating the attention to financial and economic literacy components in elementary school textbooks. Curriculum Planning Research Quarterly, 12(2), 192-17.
Ahmadi, M. (2015). Key financial tools for managers. Tehran: Ariana Ghalam Publication
Amagir, A. Groot, W., Brink, H. M. & Wilschut, A. (2018). “A review of financial-literacy education programs for children and adolescents”, Citizenship, Social and Economics Education, Vol. 17/1, pp. 56-80, http://dx.doi.org/10.1177/2047173417719555.
ASIC (2011). National financial literacy strategy. Sydney: Australian Securities and Investments Commission. available at: https://download.asic.gov.au/media/1343576/rep229-national-financial- literacy-strategy.pdf
. Bird¸S. (2008). Financial literacy among university students¸ An Australian case study. University of Wollongong, Available at: http://ro.uow.edu.au/theses/112
. Blue, L., Grootenboer, P., & Brimble, M. (2014). Financial literacy education in the curriculum: Making the grade or missing the mark? International Review of Economics Education, 16, 51-62.
Batty, M., Collins, J. M., O’Rourke, C., & Odders-White, E. (2021). Experiential financial education: A field study of my classroom economy in elementary schools. Economics of Education Review, 102014
Beni Talebi Dehkordi, B., & Khosrofarasani, M. (2022). Explaining the concepts of financial capability and financial literacy from the perspective of knowledge and presenting a proposed model of individuals' financial capability. Securities Analysis Journal, 14(40).
Cameron, M. P., Calderwood, R., Cox, A., Lim, S. & Yamaoka, M. (2013). Personal Financial Literacy among High School Students in New Zealand, Japan and the USA. Citizenship, Social and Economics Education . Volume 12 Number 3
Chen, H., & Volpe, R. P. (1998). An analysis of personal financial literacy among college students. Financial Services Review, 72(2), 107-128.
Carlson, E. (2021). An Analysis of the Relationships between State Mandates for Financial Education and Young Adults' Financial Literacy and Financial Capability. Electronic Theses and Dissertations, 24, 56-72
.
Cerya, E., Tasman, A., & Rahmi, E. (2020, March). Fillecya (Financial Literacy) Board: Analysis of Media Development Needs from the Teacher’s Perspective in Understanding Financial Literacy Early. In 4th Padang International Conference on Education, Economics, Business and Accounting (PICEEBA-2 2019) (pp. 509-515). Atlantis Press
Deyanti Deylami, Z., & Hanifehzadeh, M. (2015). Examining the level of financial literacy among Tehran families and related factors. Financial Knowledge and Securities Analysis Quarterly, 8(26)
. Fathi Vajargah, K. (2017). Principles and concepts of curriculum planning. 1st edition, Tehran: Elme Ostadan Publications. Fooladvand, A. (2020). Designing and validating financial literacy educational content for second grade elementary students. Master's thesis, Faculty of Psychology and Educational Sciences, Allameh Tabataba'i University.
Firoozian, A., & Gooya, Z. (2018). The path of financial literacy passes through mathematical literacy. Growth of Mathematics Education Journal, 131
Gholam Azad, S., Gooya, Z., & Firoozian, A. (2019). Enhancing financial literacy and financial decision-making through school mathematics curriculum. Curriculum Studies Journal, 14(54
Hanifehzadeh, M. (2015). Financial literacy. Auditor Journal, 81, 133-126
Izadi, M. (2012). The impact of financial literacy on investment decision-making in Iran. Master's thesis, Department of Accounting, Islamic Azad University, Marvdasht Branch
Jamshidi Moghadam, K. (2020). Designing a financial literacy curriculum; a mixed-method study in the second period of elementary school. Doctoral dissertation, Faculty of Psychology and Educational Sciences, Kharazmi University.
Johnson, E., & Sherraden, M.S. (2007). From financial literacy to financial capability among youth. Journal of Sociology and Social Welfare, 34(3), 119-145.
Jump$tart Coalition. (2007). National Standards in K-12 Personal Finance Education. Jump$tart Coalition for Personal Financial Literacy. available at: https://www.jumpstart.org/what-we-do/support-financial-education/standards.
Khodapanah, M., Musipour, N., Davaee, M., & Ahmadi, G. (2022). Designing a personal finance curriculum model for elementary school students. Theory and Practice in Curriculum Journal, 4(17), 47-74.
Kazempour Dizaji, F., Khan Mohammadi, M. H., & Moeinoddin, M. (2020). Presenting a model of financial literacy education in Iran using grounded theory method. Data-Based Journal, 11(43).
Kianoush, M., Jalili, M., Ahmadi, M., & Hosseinabadi, D. (2014). The level of understanding and knowledge of students about personal finance knowledge (analyzing students' behavior towards personal finance knowledge). Investment Knowledge Quarterly, 3(12), 53-41.
Kiyosaki, R. (2014). Increasing financial intelligence: The path to wealth. Tehran: Novin Publications
. Kose, T. (2016). Taking economics out of the classroom: a field assignment. International Journal of Pluralism and Economics Education, 7 (3), p; 323-333.
Lusardi, A. (2012). Numeracy, Financial Literacy, and Financial Decision-Making. Advancing Education in Quantitative Literacy. Volume 5|Issue 1.
Mandell, L. & Hanson, K. O. (2009). The Impact of Financial Education in High School and College on Financial Literacy and Subsequent Financial Decision Making. Presented at the American Economic Association Meetings San Francisco. CA January 4, 2009.
Mahsasi, M. (2014). Foundations and examples of economic education of children in Islamic families. Islamic Social Research Quarterly, 4(20), 55-82.
Mamsheli, M. (2013). Needs assessment of financial literacy curriculum in elementary education to design a curriculum.
Master's thesis, Department of Educational Management and Planning, Faculty of Educational Sciences and Psychology, Allameh Tabataba'i University, Tehran.
Mehrabi, O. (2014). A reflection on the dimensions and elements of financial literacy. Teacher Growth Journal, 33(4)
. Messy, F., & Monticone. C. (2012). The Status of Financial Education in Africa. OECD Working Papers on Finance, Insurance and Private Pensions, 25, 1-93
http://dx.doi.org/10.1787/5k94cqqx90wl-en Moradi Basiri, A. (2014). A critical analysis of the conventional model of personal finance education. Master's thesis, Imam Sadiq University, Tehran.
Moeinoddin, M. (2011). Evaluating and presenting an appropriate model for measuring the financial literacy of Iranian students. Doctoral dissertation, Islamic Azad University, Science and Research Branch, Tehran.
Musizadeh, Z., & Sanati, F. (2017). Explaining the components of economic education based on Islamic teachings. Islamic Education Semiannual, 12(24), 97-73
Msimanga, M. R. (2017). Teach and assess: a strategy for effective teaching and learning in economic and management sciences (Doctoral dissertation, University of the Free State).
National Curriculum of the Islamic Republic of Iran. (2012). Tehran: Supreme Council of Education OECD (2020), OECD/INFE 2020 International Survey of Adult Financial Literacy.www.oecd.org/financial/education/launchoftheoecdinfeglobalfinancialliteracysurveyreport.htm.
Oh, Y., & Li, J. (2020). CIES 2021 Poster Financial Literacy Curriculum.pdf (cies2021.org)
. Opletalová, A. (2014). Financial education and financial literacy in the Czech education system. Procedia - Social and Behavioral Sciences. Procedia. Social and Behavioral Sciences. 1176 – 1184
. Pandey, C. & Bhattacharya. S. B. (2012). Economic Literacy Of Senior Secondary School Teachers: A Field Study, Journal of All India Association for Educational Research, Vol. 24, No.1-16
. Peng, C. M., Bartholomue, S., Fox¸ J. & cravener¸ C. (2007). The Impact of Personal Finance Education Delivered in high school and College courses. Journal of family and Economic Issues. vol 28: 265 -284
. Peighami, A. (2010). An introduction to the economic views of Imam Ja'far Sadiq (AS). Peighami, A., & Tourani, H. (2011). The role of economic curriculum in the formal and public education of the world; presenting an action plan for a neglected curriculum. Educational Innovations Quarterly, 37(9), 52-31
. Peighami, A., Moradi Basiri, A., & Toghiyani, M. (2016). Financial literacy. Tehran: Imam Sadiq University Press
. Rahmanpour, M., Hasanpour, E., & Nasr Isfahani, A. (2015). Examining the national curriculum of Iran regarding the components of resistance economy from the perspective of experts. National Studies Quarterly, 17(1)
. Rahmani Nouroozabad, S., & Mohammadi, E. (2019). The consequences of financial literacy on investors' decisions and investment performance. Financial Knowledge and Securities Analysis Quarterly, 12(40)
. Richard, A. (2020). 9 components of personal finances - Business Matters. https://bmmagazine.co.uk/business/9-components-of-personal-finances
Silver, J., Alexander, W. M., & Lewis, A. J. (2012). Curriculum planning for better teaching and learning, translated by Gholamreza Khoeinezhad. Tehran: Samt Publications in collaboration with Astan Quds Razavi Publications. Sanati, F. (2017). Explaining the components of economic education based on Islamic teachings. Islamic Education Semiannual, 12(24)
. Sanati, F., & Musizadeh, Z. (2017). Explaining the components of Islamic education based on Islamic teachings. Islamic Education Semiannual, 12(24), 97-74
. Sherraden, M. S., Johnson, L., Guo, B., & Elliott, W. (2011). Financial Capability in Children: Effects of Participation in a School-based Financial Education and Savings Program. Journal of Family & Economic Issues, 32(3), 385-399
. Sant’Ana, V., De Paiva, R. C. & Goulart, I. B. (2016). Financial Education in Brazil: an Introduction to the Study of Subject. International Journal of Economics, Commerce and Management. United Kingdom. Vol. IV, Issue 7, July 2016. http://ijecm.co.uk/ ISSN 2348 0386
. Sherraden, M. S., Johnson, L., Guo, B. & Elliott, W. (2010). Financial Capability in Children: Effects of Participation in a School-Based Financial Education and Savings Program. Article in Journal of Family and Economic Issues. September 2011 DOI: 10.1007/s10834-010-9220-5
. Tennyson, S. and Nguyen, C. (2001). state curiculum mandates and student know ledge of personal financial. The Journal of consumer Affairs. vol 35 ¸No. 2, 241 – 262
. Toghiyani, M. (2012). Main components of the Islamic-Iranian model of economic education. Doctoral dissertation, Imam Sadiq University, Tehraد
. Toghiyani, M., & Zahedi Vafa, M. H. (2012). The possibility of utilizing the works of Islamic civilization in designing and compiling the Islamic-Iranian model of economic culture. Islamic Economics Knowledge, 3(2), 55-76
. Toghiyani, M., & Moradi Basiri, A. (2015). A critical analysis of the conventional model of public financial literacy education from the perspective of Islamic economics. Islamic Economics Studies Semiannual, 8(2), 260-227
. Yidana, M. B. (2018). Comparative Effects of Problem-Based and Cooperative Instructional Approaches on Students’ Academic Achievement in Senior High School Economics. International Journal of Education and Evaluation, 4 (1), p. 31-53
.
