‘personal finance...

‘Personal Finance Programme’

(project reference 2017-1-UK01-KA201-036799)

Cyprus National research report on finance teaching and other interventions and advice for Young people.

March 2018

Produced by Emphasys Centre

2

Contents Page 3 Purpose of report and terms of reference

4 Section A - National Context

5 Public/Private Sector

7 Section B - Finance education interventions 8 Section C - Primary research

8 Methodology

8 Results

8 Prior knowledge

9 Analysis by Prior knowledge

9 Parental view on prior knowledge

10 Analysis by Prior knowledge – by gender

10 Analysis by Prior knowledge – Age group

11 Preferences in topics to learn

11 Analysis by Preference to learn – students

12 Preference to learn - Analysis by gender

12 Prior learning

15 Appendix 1 – UK Finance education interventions

23 Appendix 2a – Survey questionnaire (English)

26 Appendix 2b – Survey questionnaire (Greek)

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Cyprus

National research report on finance teaching and other interventions and advice for Young people.

This report has been produced as part of the EU funded ‘Personal Finance Programme’ project (project reference 2017-1-UK01-KA201-036799)

The purpose of the report is to

a) Provide a current national overview of finance teaching provided by the statutory sector, and to identify its limitations.

b) Identify good practice examples outside of the statutory sector which aim to help students and young people generally become more understanding of personal financial matters. Including the development and availability of personal finance programmes, projects or advice websites which are targeted at young people.

c) Analyze primary research conducted to establish a definitive list of topics which will be of most use to students in relation to personal finance.

The report is a combined analysis by Emphasys Centre and represents primary and secondary research.

Terms of reference

‘The report will examine the development and availability of personal finance programmes, projects or advice websites which are targeted at young people. It will further analyse the primary research conducted to establish a definitive list of topics which will be of most use to students in relation to personal finance’.

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Section A - National Context

Finance and the national curriculum in Cyprus.

Introduction.

The Educational System in Cyprus is based on a centralized educational model. This implies that the financial resources, school curricula and additional programs as well as the teaching staff (appointments, promotions etc.) are controlled by the government. Compulsory education begins at the age of 5 years and 8 months and lasts until the age of 15. Formal school education is organized into three levels: elementary (ages 6-12), gymnasium (ages 12-15) and lyceum (ages 15-18).

From the young age of 12, children are ready to be brought into the more

economically-based life structure. They are taught Home Economics which is a

multidimensional field in curriculum of secondary education which brings together the

scientific and technological awareness and accomplishments of the individual, the

family and society in general. The purpose of “Home Economics” is to help students,

acquire the necessary knowledge, cultivate attitudes and develop skills in their

personal, family and professional life to become autonomous and productive

members of society. Particularly important is the role of the course in the cultivation

of critical thinking to address the problems of everyday life.

Further, the Family Education course is taught in Lyceum and aims to improve the

standard of living of the individual, the family and society in general and to make the

teenager active, autonomous and responsible. It seeks to raise awareness and

develop its capacity for rational family organization and management, finance

learning, adopting a healthy way of life and adapting it to the ever-changing world.

The Health Education Program presents four thematic units covering the full range of

knowledge, skills and attitudes that students will develop within the course:

1. Developing and empowering yourself

2. Developing a safe and healthy lifestyle

3. Creating and improving social self

4. Creating an active citizen

The ‘Creating an active citizen’ unit (number4 from the above list) contains the

‘Economic and Professional Education’ sub-unit. The main aim of the sub-unit is for

students to be able to manage their budget for covering individual needs. Activities,

teaching material, methods are:

• Financial budget concept

• Needs, desires and financial resources

• Meaning of responsible person and family budget

• Ways to properly manage money

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• Importance of savings

As part of the curriculum in secondary education, Economics course is introduced at

the first class of Lyceum. Τhe main aim of the course is students to understand the

basic economic concepts necessary for understanding and explaining the different

economic phenomena in their daily lives. The basic concepts of Economics course

help students to get familiarized with the field of Economics.

The “Economics” course shows five thematic units:

1. Financial Problem

2. Production

3. Production Factors

4. Purchase

5. Key Financial Figures

Public/Private sector In Cyprus there are 27 Private Primary Schools, 38 Private Secondary Schools, 33

Public Primary Schools and 128 Public Secondary Schools which are of three types:

• Of the same type: Private schools follow, without any deviation, the current

analytical and timetable programs of existing types of public schools.

• Of the similar type: Private schools include in their program the main courses

of the existing type of public schools at least two-thirds in terms of time and

material provided for public schools.

• Different type: Private schools that do not fall into any of the above categories.

Figure 1: Number of public vs private school in the school year 2015-2016

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It should be noted that the establishment and operation of Private Schools of

Secondary Education is governed by the Laws of Private Schools and Private Tuition

Schools from 1971 to 2012. Each private school or tutorial, in order to be entitled to

function, must have received the relevant approval from the Ministry Education and

Culture.

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Section B - Finance education interventions

Each partner was required to research up to 10 current local, regional or national

interventions which have been devised to help young people or school age children

understand finance better. Emphasys Centre identified 7 interventions.

We tried to identify the current training programmes, courses, workshops, internship

programmes, University/Collage full courses available to the broader public in

Cyprus with the intention of adding to their financial, economical and

entrepreneurship skills. Those interventions that were identified are outlined and can

be found at appendix 1.

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Section C - Primary research

Methodology

As part of the fulfilment of Intellectual output 1, primary research was conducted on

several cohorts of students and their parents. The purpose of the primary research

was to establish from local students and their parents a) what their prior knowledge

of various financial topics is, and b) what their priorities are in relation to learning

about such topics.

In addition to these two primary questions a number of context questions were asked

so that the resulting data could be disaggregated and analysed to establish whether

results varied depending on age group, gender, and prior knowledge of finance or

economics. A survey questionnaire was agreed by the partnership which is attached

at appendix 2.

Partners were given seven weeks to collect responses either using paper based or

electronic methods, and targets of 25 students and 50 parents.

Results

At the end of the survey period Emphasys Centre had collected 25 students and 50

Parent. Of the 25 students, 12 were male and 13 female.

Emphasys Centre surveyed 18 current students with ages ranging from 14 to 18,

and 7 students aged 19-21, 15 students from a local schools (Grammar School,

GCS of Careers, The Junior and Senior School) and 10 undergraduates studying at

the European University of Cyprus, Frederick University, University of Nicosia and

some UK’s universities such as University of Leeds, University of Essex, University

of Reading, University of Surrey, University of Portsmouth and University of

Glasgow.

Prior knowledge

*Yellow = highest rated choices, Pink = lowest rated choices

The first question asked students and parents to rank their prior knowledge of the 15

listed finance topics.

Table 1 – Students Analysis by Prior knowledge

Emphasys Centre

1. Budgeting: 1

2. Saving: 5

3. Investing in shares: 12

4. The power of compounding: 11

5. Mortgages: 13

9

6. Pensions: 7

7. University finance: 10

8. Cyber security for your money: 4

9. Your pay cheque explained 3

10. Borrowing money-excluding mortgages: 6

11: Buying your first home: 7

12. Insurance: 9

13. Business finance: 14

14. Crypto currencies: 15

15. Personal Banking 2

Table 1 shows the students’ prior knowledge as a ranking score from 1 to 15, where

1 indicates most prior knowledge and 15 least. The top 3 areas of finance where

young people know most about ‘Budgeting’, ‘Personal Banking’ and ‘Cheque

explained’. In addition, a 15th area of finance (Personal Banking) has been added

into the Greek questionnaire due to the fact that choosing the right bank account is

important. However, students ranked 15th the ‘Personal Banking’, 14th Business

Finance and 13th Mortgages.

Parental view on prior knowledge

Parents completed the same questionnaire asking for their own view on their child’s

prior knowledge.

Table 2 – Analysis by Prior knowledge – parental opinion

Emphasys Centre

1. Budgeting: 2

2. Saving: 5



5. Mortgages: 8

6. Pensions: 11






12. Insurance: 3




10

Table 2 (below) shows that this is generally in accordance with the students’

opinions except the ‘Insurance’ is the third important finance area. ‘Investing in

shares’ and ‘Power of compounding’ were ranked lower than student’s knowledge

and also the larger number of parents completing the questionnaire.

Gender bias

Table 3 - Analysis by Prior knowledge – by gender

Analysis by gender M (12) F (13)

1. Budgeting: 1 1

2. Saving: 2 2

3. Investing in shares: 11 11

4. The power of compounding: 10 9

5. Mortgages: 13 12

6. Pensions: 15 10

7. University finance: 9 5

8. Cyber security for your money: 5 8

9. Your pay cheque explained 4 4

10. Borrowing money-excluding mortgages: 7 7

11: Buying your first home: 6 6

12. Insurance: 8 14

13. Business finance: 13 13

14. Crypto currencies: 14 15

15. Personal Banking 3 3

Table 3 shows how prior knowledge varies depending on gender. According to

survey results, both male and female are familiar with the proposed finance areas.

Both are interested more in Budgeting, Saving and Personal Banking. However,

there is no gender difference and its impact on the level of financial literacy in

Cyprus.

Variances in age group.

Table 4 - Analysis by Prior knowledge – Age group

Upper High school (15)

University (10)

1. Budgeting: 1 1

2. Saving: 2 6


4. The power of compounding: 9 9

5. Mortgages: 10 12

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6. Pensions: 6 8






12. Insurance: 8 10




Table 4 illustrates the analysis of surveys by age group (Secondary School or

University). The majority of students surveyed came from upper high school (aged

14-18) and ten of students surveyed from University (aged 18-21).

Most of the students know more about budgeting and personal banking but on the

other hand University students know more about borrowing money-excluding

mortgages.

Preferences in topics to learn

Question two asked what they would ‘most like to learn about’, again by ranking the

list of 15 topics, with 1 being their most favoured and 15 being their least favoured.

Table 5 – Analysis by Preference to learn – students

Emphasys Centre (25)

1. Budgeting: 1

2. Saving: 7


4. The power of compounding: N/A

5. Mortgages: 13

6. Pensions: 10






12. Insurance: 11




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Table 5 shows that the favourite topics to learn are ‘Budgeting’, ‘Your pay cheque

explained’ and ‘Personal Banking’. Least popular finance areas for students were

‘Cyber security for your money’, ‘Mortgages’ and ‘Business Finance’.

Table 6 – Analysis by Preference to learn – parents

Emphasys Centre (50)

1. Budgeting: 1

2. Saving: 10



5. Mortgages: 14

6. Pensions: 8






12. Insurance: 6




Table 6 shows that the favourite topics to learn for parents are ‘Budgeting’, ‘Your pay

cheque explained’ and ‘Borrowing money-excluding mortgages”. Least popular

finance areas for parents were ‘Mortgages’, ‘The power of compounding’ and

‘Investing in shares’.

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Variance by gender.

Again, the group was disaggregated by gender to see if there were gender specific

preferences.

Table 6 - Preference to learn - Analysis by gender

M (12) F (13)

1. Budgeting: 1 1

2. Saving: 8 8


4. The power of compounding: N/A N/A

5. Mortgages: 6 6

6. Pensions: 13 13






12. Insurance: 11 11




Both male and female have a greater desire to learn about ‘Budgeting’, ‘Your pay

cheque explained’ and ‘Personal Banking’. However ‘Cyber Security’ is more

important for male rather than female.

Prior learning

Students were asked whether they had studied finance or economics previously. 20

students had some prior learning in business or either in economics, while 8

students did not. Chart 1 demonstrates the students with prior learning of finance or

economics. The majority of participants have not studied or get familiar with finance

literacy.

14

0

5

10

15

20

25

Business Economics

Prior learning

Yes

No

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The results from the preferences given by this survey will form part of an

international comparison report, which will inform the priority given to the modules

produced for the Personal Finance Programme curriculum, training and support

materials.

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Appendix 1 – Cyprus Finance education interventions

1. Secondary School Subject “Home Economics”

1. Title: Secondary School curriculum “Home Economics”

2: Format Category: Ministry of Education and Culture official website

3: Review: A detailed curriculum with the main topics of “Home Economics” subject

4: Target age group: Secondary school - 12 years old

5: Financial areas covered: Financial budget concept, needs - desires and financial

resources, meaning of responsible person and family budget, ways to properly

manage money, importance of savings

6: Specific learning outcomes: Students to be able to manage their budget for

covering individual needs

7: Language: Greek

8: Cost: Free

9. Time commitment: Not specified

10: Web link:

http://www.schools.ac.cy/eyliko/mesi/themata/oikiaki_oikonomia/analytiko_programm

a.html

11: Other relevant information: This should be a key guide for schools and students.

2. “ECONOMICS”

1. Title: The Money Charity

2: Format Category: Ministry of Education and Culture official website

3: Review: A detailed curriculum with the main topics of “Economics” subject

4: Target age group: Secondary high - school 17 years old

5: Financial areas covered: Financial problem, production, production factors,

purchase, key financial figures

6: Specific learning outcomes: Τhe main aim of the course is students to understand

the basic economic concepts necessary for understanding and explaining the

different economic phenomena in their daily lives.

http://www.schools.ac.cy/eyliko/mesi/themata/oikiaki_oikonomia/analytiko_programma.html

http://www.schools.ac.cy/eyliko/mesi/themata/oikiaki_oikonomia/analytiko_programma.html

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7: Language: Greek

8: Cost: Free


10: Web link:

http://www.schools.ac.cy/eyliko/mesi/themata/oikonomiki_paideia/did_yliko_a_lyk.ht

ml

11: Other relevant information: This should be a key guide for schools and students.

3. Entrepreneurship Development Programme

1. Title: Youth Entrepreneurship Development Programme within the framework of

the National Action Plan for Youth Employment.

2: Format Category: Youth Board of Cyprus document

3: Review: The document outlines the main learning outcomes for the programme.

4: Target age group: Young People - 15-29 years old

5: Financial areas covered: Know all the steps to creating a business or self-

employment structure, learn how to set up a business, acquire the skills need to

create a business plan, manage the business, develop technical knowledge of sales

and communication skills, be able to apply a sales methodology, know how to

expand their business.

6: Specific learning outcomes: Provide education and development of business

skills, such as business plan creation, project management / management, sales and

communication techniques, business start-ups, etc, Provide guidance through

developing a network of mentors and advisors, Provide support and information

through a dedicated online platform.

7: Language: English

8: Cost: Free.


10: Web link: http://onek.org.cy/en/home-page/programs-and-service/counseling-

services/entrepreneurship-development-programme/

http://www.schools.ac.cy/eyliko/mesi/themata/oikonomiki_paideia/did_yliko_a_lyk.html

http://www.schools.ac.cy/eyliko/mesi/themata/oikonomiki_paideia/did_yliko_a_lyk.html

http://onek.org.cy/en/home-page/programs-and-service/counseling-services/entrepreneurship-development-programme/

http://onek.org.cy/en/home-page/programs-and-service/counseling-services/entrepreneurship-development-programme/

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11: Other relevant information: This should be a key guide for young people to

participate in the programme. The document does not give delivery guidance or any

resources.

4. Bank of Cyprus – 18-25 Youth Card

1. Title: Bank of Cyprus – 18-25 Youth Card

2: Format Category: A debit card offered by Bank of Cyprus

3: Review: The document outlines the main features and benefits for the youth card.


5: Financial areas covered: Learn how to manage their money, understand the

meaning of having to be cautious and that you cannot start spending uncontrollably.

6: Specific learning outcomes: Preferential interest rate on your debit balance, Ability

to obtain a debit limit of up to €1.200 with personal guarantees, No initial bank

account opening fees, Automatic remittance of your salary every month (for soldiers

and employees), Contactless Visa Debit card for easier transactions without need of

PIN or signature for transactions smaller than €20.


8: Cost: Not specified


10: Web link: http://www.bankofcyprus.com.cy/en-gb/retail/loan-boc/car/car1/

11: Other relevant information: This should be a key guide for young people for the

youth card.

5. UNIVERSITY/COLLEGE COURSES

1. Title: Universities and Colleges Courses

2: Format Category: University/College curriculum

3: Review: This is a comprehensive website and includes the detailed curriculum.

4: Target age group: University Students (undergraduate/postgraduate) - 18-24

years old

5: Financial areas covered: Business/Economics/Finance

http://www.bankofcyprus.com.cy/en-gb/retail/loan-boc/car/car1/

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6: Specific learning outcomes: For young people with most of them having a great

interest in the field of Business, Economics and Finance since they offer equivalent

undergraduate and postgraduate courses.

University of Cyprus:

• Department of Business and Public Administration (free of cost)

• Department of Accounting and Finance (free of cost)

• Department of Economics (free of cost)

European University Cyprus:

• Finance and Investments(4 Years, Bachelor of Business Administration)

• Accounting(4 years, Bachelor of Science)

• Business Economics(4 years, Bachelor of Business Administration)

• Business Studies(4 years, Bachelor of Business Administration)

• Finance and Investments(4 Years, Bachelor of Business Administration)

UCLan Cyprus:

• BA(Hons) Business Administration

• BA(Hons) Accounting And Finance

• BA (Hons) Economics

Alexander College:

• BSc Business Administration & Finance (4 Years) (€6,950)

• BA(Hons) Business Management with Accounting & Finance (€6,950)

Cyprus College Nicosia:

• Business Administration (2 year – Diploma) (State sponsorship of € 2565 or €

3420 for 3 dependent children and over)

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Neapolis University Pafos:

• Bachelor of Business Administration (€6,500)

• Bachelor of Accounting, Banking and Finance (€6,500)

7: Language: Greek, English

8: Cost: Free -€6,950

9. Time commitment: 2-4 years

10: Web link: http://www.ucy.ac.cy/afn/en/

https://www.euc.ac.cy/en/schools--departments/school-of-business-administration

http://www.uclancyprus.ac.cy/en/courses/schools-business-management/

https://alexander.ac.cy/en/

11: Other relevant information: Very comprehensive suite of materials.

6.1. TRAINING COURSES

1. Title: European Institute of Management and Finance (EIMF)

2: Format Category: EIMF detailed training programme



5: Financial areas covered: EIMF is a leading provider of professional education, and

tailored learning solutions with emphasis on the Financial and Professional Services

Sector.

6: Specific learning outcomes:

http://www.ucy.ac.cy/afn/en/

https://www.euc.ac.cy/en/schools--departments/school-of-business-administration

http://www.uclancyprus.ac.cy/en/courses/schools-business-management/

https://alexander.ac.cy/en/

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8: Cost: €530

9. Time commitment: Depends on the training course.

10: Web link: http://eimf.eu/


participate in the training courses.

http://eimf.eu/

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6.2. TRAINING COURSES

1. Title: Cyprus International Institute of Management

2: Format Category: CIIM detailed training programme



5: Financial areas covered: Business Enhancement Skills, Communication Skills,

Customer Service, Finance and Accounting, Financial Strategy, Interpersonal Skills,

Personal Impact and Development, Leadership, Entrepreneurship, Thinking and

Innovation

6: Specific learning outcomes: The CIIM Executive Education arm of the Business

School has established a wide range of programmes and solutions to meet the

development requirements of all staff, from operational level to chief executive


8: Cost: Depends on the training course.

9. Time commitment: Depends on the training course.

10: Web link:

http://execedu.ciim.ac.cy/images/trainings/CIIM_Executive_Education_Training_Pro

grammes.pdf


participate in the training courses.

7. WORKSHOPS

1. Title: Deloitte

2: Format Category: Deloitte Workshops

3: Review: Provides a qualification about ‘Finance’ sector.


5: Financial areas covered: Basics of Accounting and Tax for Lawyers, Basics of

VAT, Principles of Business Management - Part II: HR, Succession Planning,

Financial Statement analysis, Tax Updates 2018, VAT Legislation and Updates 2018

6: Specific learning outcomes: Award of a diploma/certificate


http://execedu.ciim.ac.cy/images/trainings/CIIM_Executive_Education_Training_Programmes.pdf

http://execedu.ciim.ac.cy/images/trainings/CIIM_Executive_Education_Training_Programmes.pdf

23

8: Cost: Depends on the workshop.

9. Time commitment: Depends on the workshop.

10: Web link: https://www.cisi.org/cisiweb2/cisi-website/schools-colleges-

universities/schools-colleges


participate in the workshops.

https://www.cisi.org/cisiweb2/cisi-website/schools-colleges-universities/schools-colleges

https://www.cisi.org/cisiweb2/cisi-website/schools-colleges-universities/schools-colleges

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Appendix 2A – Survey questionnaire (English)

Personal Finance Programme – Young people’s questionnaire

Dear Student

We are developing a course to help young people understand personal finance better. We

would appreciate some feedback from you to help us design it, by telling us what you think

the important elements of personal finance are. The questionnaire will only take you a

couple of minutes to complete and will be treated in strictest confidence. Thanks for your

help.

Q1 On a scale of 1 – 10 (where 1 is nothing and 10 is a lot), please rate your personal knowledge

of the following topics: (please circle the appropriate number)

1. Budgeting: (Accounting for what you earn and spend) 1 2 3 4 5 6 7 8 9 10

2. Saving: (Getting the best return on your saved money) 1 2 3 4 5 6 7 8 9 10

3. Investing in shares: (How to invest in stocks & shares and the options available) 1 2 3 4 5 6 7 8 9 10

4. The power of compounding:

(How compounding affects investment performance) 1 2 3 4 5 6 7 8 9 10

5. Mortgages:

(Choosing the most appropriate mortgage) 1 2 3 4 5 6 7 8 9 10

6. Pensions: (Saving for retirement) 1 2 3 4 5 6 7 8 9 10

7. University finance: (An introduction to tuition fees) 1 2 3 4 5 6 7 8 9 10

8. Cyber security for your money: 1 2 3 4 5 6 7 8 9 10

(Protecting against fraud)

9. Your pay cheque explained

(Tax, national insurance and other deductions) 1 2 3 4 5 6 7 8 9 10

10. Borrowing money-excluding mortgages: 1 2 3 4 5 6 7 8 9 10

(The best loan options)

11: Buying your first home: 1 2 3 4 5 6 7 8 9 10

(Costs and things to consider)

12. Insurance:

25

(Health, travel, car, home. Getting the right cover) 1 2 3 4 5 6 7 8 9 10

13. Business finance (How businesses operate) 1 2 3 4 5 6 7 8 9 10

14. Crypto currencies (e.g. Bit Coins) 1 2 3 4 5 6 7 8 9 10

Q2 Please rank the list below by selecting your top 10, 1 being the topic you would most like to

learn about, 2 second most, etc. down to 10. (Please put your 1 to 10 in the box)

1. Budgeting: 8. Cyber security for your money:

2. Saving: 9. Your pay cheque explained

3. Investing in shares: 10. Borrowing money-excluding mortgages:

4. The power of compounding: 11: Buying your first home:

5. Mortgages: 12. Insurance:

6. Pensions: 13. Business finance:

7. University finance: 14. Crypto currencies:

Q3 If you would like to comment on your choices for question 1 or question 2, (e.g. you have

already been trained, or have prior knowledge of one of the topics) please give details in the box

below.

Q4 Are there any topics relating to personal finance, that you would like to learn about, but

which are not on the list? If so please say in the box below.

Context questions

We believe that the selection you make may be influenced by your age, gender, the school you

attend, and whether you have previously studied business or economics. Please therefore answer

the following:

Your Name* …………………………………………………………… Your Age …………….

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Gender male / Female

School/University attending …………………………………………………………………………………………………

Have you studied business? Yes / No

Have you studied Economics? Yes / No

Have your parents or guardian completed their own questionnaire Yes / No

Thanks again for helping the Personal Finance Programme by completing this questionnaire

*Completion of your name is optional

27

Appendix 2B – Survey questionnaire (Greek)

Προσωπικό Πρόγραμμα Οικονομικής Διαχείρισης – PFP

Ερωτηματολόγιο για τους νέους

Αγαπητοί μαθητές,

Αρχικά θα θέλαμε να σας ενημερώσουμε ότι το παρόν ερωτηματολόγιο έχει δημιουργηθεί στα

πλαίσια του Ευρωπαϊκού προγράμματος Personal Finance Programme – PFP (Sub.Num: 2017-1-

UK01-KA201-036799). Το πρόγραμμα PFP απευθύνεται σε νέους από 14-21 χρονών και στοχεύει

στην δημιουργία και πιλοτική εφαρμογή μιας σειράς μαθημάτων σχετικά με την διαχείριση

χρημάτων. Τα αποτελέσματα που θα προκύψουν από το παρόν ερωτηματολόγιο θα αποτελέσουν

προτεραιότητες για την ανάπτυξη ενός προγράμματος διαχείρισης οικονομικών θεμάτων για νέους.

Παρακαλούμε όπως απαντήσετε στις πιο κάτω ερωτήσεις, δίνοντας πληροφορίες σχετικά με το

ποιά θεωρείτε εσείς σημαντικά στοιχεία στον τομέα της οικονομικών σε προσωπικό επίπεδο. Το

ερωτηματολόγιο θα σας πάρει μόνο μερικά λεπτά για να ολοκληρωθεί και θα αντιμετωπιστεί με

αυστηρή εμπιστοσύνη.

Ευχαριστούμε εκ των προτέρων.

Q1 Με βάση τη κλίμακα από 1 (Καθόλου σημαντικό) έως 10 (Εξαιρετικά σημαντικό),

βαθμολογήστε τις γνώσεις που έχετε στα ακόλουθα θέματα: (παρακαλώ κυκλώστε τον κατάλληλο

αριθμό)

1. Προϋπολογισμός: (Λογαριασμός για το τι κερδίζετε και ξοδεύετε) 1 2 3 4 5 6 7 8 9 10

2. Αποταμιεύσεις: (Αποκτήστε την καλύτερη απόδοση στα

χρήματα που εξοικονομήσατε) 1 2 3 4 5 6 7 8 9 10

3. Επένδυση σε μετοχές: (Πώς να επενδύσετε σε μετοχές, αποθέματα και άλλες διαθέσιμες επιλογές) 1 2 3 4 5 6 7 8 9 10

4. Η δύναμη του ανατοκισμού:

(Πώς ο ανατοκισμός επηρεάζει την απόδοση των επενδύσεων) 1 2 3 4 5 6 7 8 9 10

5. Υποθήκες:

(Επιλέγοντας την πιο κατάλληλη υποθήκη) 1 2 3 4 5 6 7 8 9 10

6. Συντάξεις: (Εξοικονόμηση για συνταξιοδότηση) 1 2 3 4 5 6 7 8 9 10

7. Πανεπιστημιακή χρηματοδότηση: (Εισαγωγή στα δίδακτρα) 1 2 3 4 5 6 7 8 9 10

8. Η ασφάλεια των χρημάτων σας στον κυβερνοχώρο: 1 2 3 4 5 6 7 8 9 10

(Προστασία κατά της διαδικτυακής απάτης)

9. Επεξήγηση μισθού

(Φόρος, εθνική ασφάλιση και άλλες μειώσεις) 1 2 3 4 5 6 7 8 9 10

28

10. Δανεισμός χρημάτων χωρίς υποθήκες: 1 2 3 4 5 6 7 8 9 10

(Οι καλύτερες επιλογές δανείου)

11: Αγοράζοντας το πρώτο σπίτι σας: 1 2 3 4 5 6 7 8 9 10

(Κόστος και θέματα που πρέπει να ληφθούν υπόψη)

12. Ασφάλεια:

(Υγεία, ταξίδια, αυτοκίνητο, σπίτι, σωστή κάλυψη) 1 2 3 4 5 6 7 8 9 10

13. Επιχειρηματική χρηματοδότηση

(Πώς λειτουργούν οι επιχειρήσεις) 1 2 3 4 5 6 7 8 9 10

14. Κρυπτό-νομίσματα (π.χ. Bit Coins) 1 2 3 4 5 6 7 8 9 10

15. Προσωπικός τραπεζικός λογαριασμός

(Λογαριασμοί - χρεωστικές / πιστωτικές κάρτες,

συνεταιριστικές και εμπορικές τράπεζες) 1 2 3 4 5 6 7 8 9 10

Q2 Παρακαλώ όπως ταξινομήσετε την παρακάτω λίστα επιλέγοντας τις 10 κορυφαίες σας

επιλογές, με βάση τη κλίμακα 1 (το θέμα που θα θέλατε περισσότερο να μάθετε), έως 10 (θέμα

που θα θέλατε λιγότερο να μάθετε). (Παρακαλώ τοποθετήστε τα 1 έως 10 στο κουτί)

1. Προϋπολογισμός: 8. Η ασφάλεια των χρημάτων σας στον κυβερνοχώρο:

2. Αποταμιεύσεις: 9. Επεξήγηση μισθού:

3. Επένδυση σε μετοχές: 10. Δανεισμός χρημάτων χωρίς υποθήκες:

4. Η δύναμη του ανατοκισμού: 11: Αγοράζοντας το πρώτο σπίτι σας:

5. Υποθήκες: 12. Ασφάλεια:

6. Συντάξεις: 13. Επιχειρηματική χρηματοδότηση:

7. Πανεπιστημιακή χρηματοδότηση: 14. Κρυπτό-νομίσματα:

15. Προσωπικός τραπεζικός λογαριασμός

Q3 Παρακαλώ όπως σχολιάσετε τις επιλογές σας για την ερώτηση 1 ή την ερώτηση 2, (π.χ.

έχετε ήδη εκπαιδευτεί ή έχετε προηγουμένως γνωρίσει ένα από τα θέματα), στο παρακάτω

πλαίσιο, εάν επιθυμείτε.

29

Q4 Υπάρχουν θέματα σχετικά με την διαχείριση οικονομικών θεμάτων σε προσωπικό επίπεδο,

τα οποία θα θέλατε να μάθετε, και δεν περιλαμβάνονται στην πιο πάνω λίστα; Αν ναι, παρακαλώ

σημειώστε τα στο παρακάτω πλαίσιο.

Ερωτήσεις περιεχομένου

Υποθέτουμε ότι η ηλικία σας, το φύλο σας, το σχολείο που φοιτάτε και το ενδεχόμενο να έχετε σπουδάσει προηγουμένως

διοίκηση επιχειρήσεων ή οικονομικά μπορεί να έχουν επηρεάσει τις απαντήσεις που δώσατε. Επομένως, θα σας

παρακαλούσαμε όπως απαντήστε στα εξής:

Όνομα * …………………………………………………………… Ηλικία …………….

Φύλο Άνδρας / Γυναίκα

Σχολείο/Πανεπιστήμιο φοίτησης …………………………………………………………………………………………………

Έχετε σπουδάσει διοίκηση επιχειρήσεων; Ναί / Όχι

Έχετε σπουδάσει οικονομικά; Ναι / Όχι

Οι γονείς ή ο κηδεμόνας σας έχει ολοκληρώσει το δικό τους ερωτηματολόγιο; Ναί / Όχι

Σας ευχαριστούμε και πάλι για την παροχή βοήθειας για την ανάπτυξη του Ευρωπαϊκού Προγράμματος PFP (Προσωπικό

Πρόγραμμα Οικονομικής Διαχείρισης), συμπληρώνοντας αυτό το ερωτηματολόγιο.

* Προαιρετικό πεδίο

“The European Commission support for the production of this publication does not constitute

an endorsement of the contents which reflects the views only of the authors, and the

commission cannot be held responsible for any use which may be made of the information

contained therein”.

‘personal finance...

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