{"id":7304,"date":"2024-04-04T00:00:00","date_gmt":"2024-04-03T23:00:00","guid":{"rendered":"https:\/\/instrid.sk\/uncategorized\/slovenske-deti-zaostavaju-vo-financnej-gramotnosti-mozu-za-to-skoly-ci-rodicia\/"},"modified":"2024-04-04T00:00:00","modified_gmt":"2024-04-03T23:00:00","slug":"slovenske-deti-zaostavaju-vo-financnej-gramotnosti-mozu-za-to-skoly-ci-rodicia","status":"publish","type":"post","link":"https:\/\/instrid.sk\/en\/archiv\/slovenske-deti-zaostavaju-vo-financnej-gramotnosti-mozu-za-to-skoly-ci-rodicia\/","title":{"rendered":"Slovensk\u00e9 deti zaost\u00e1vaj\u00fa vo finan\u010dnej gramotnosti. M\u00f4\u017eu za to \u0161koly \u010di rodi\u010dia?"},"content":{"rendered":"<p>Viacer\u00e9 prieskumy a glob\u00e1lne testovania na \u0161kol\u00e1ch prin\u00e1\u0161aj\u00fa spr\u00e1vy o tom, \u017ee <strong>slovensk\u00e9 deti maj\u00fa s finan\u010dnou gramotnos\u0165ou probl\u00e9m<\/strong>. V\u00fdsledky prieskumu spolo\u010dnosti 2muse pre 365.bank odhalili <strong>ch\u00fdbaj\u00face teoretick\u00e9 i\u00a0praktick\u00e9 vedomosti \u017eiakov v\u00a0oblasti financi\u00ed<\/strong>. Najmenej sk\u00fasenost\u00ed maj\u00fa s platbou kartou, v\u00fdberom hotovosti a \u010d\u00edtan\u00edm v\u00fdpisu z \u00fa\u010dtu.<\/p>\n<p>Zauj\u00edmavos\u0165ou pritom pod\u013ea 365.bank je, \u017ee \u0161kol\u00e1ci, ktor\u00ed v PISA testovan\u00ed uviedli, \u017ee maj\u00fa platobn\u00fa kartu, \u010di vyu\u017e\u00edvaj\u00fa online bankov\u00e9 slu\u017eby, dosiahli\u00a0 vy\u0161\u0161ie sk\u00f3re v teste finan\u010dnej gramotnosti ne\u017e t\u00ed, ktor\u00ed tak\u00fato sk\u00fasenos\u0165 nemali.<\/p>\n<p>D\u00f4vodom t\u00fdchto nie ve\u013emi pozit\u00edvnych v\u00fdsledkov je fakt, \u017ee <strong>rodi\u010dia sa de\u0165om v t\u00e9me pe\u0148az\u00ed venuj\u00fa sporadicky<\/strong> a predov\u0161etk\u00fdm v teoretickej rovine.<\/p>\n<p>\u00dalohu v\u0161ak zohr\u00e1va aj <strong>v\u00fduka na \u0161kol\u00e1ch<\/strong>. Tie <strong>nedok\u00e1\u017eu dostato\u010dne pokr\u00fdva\u0165 finan\u010dn\u00e9 vzdel\u00e1vanie<\/strong>, ani <strong>vyrovn\u00e1va\u0165 nerovnos\u0165 vo vedomostiach<\/strong> odv\u00edjaj\u00facu sa od socio-ekonomick\u00e9ho statusu. Tieto rozdiely s\u00fa na Slovensku najv\u00e4\u010d\u0161ie zo v\u0161etk\u00fdch kraj\u00edn OECD hodnoten\u00fdch v r\u00e1mci PISA testovania, informovala TASR.<\/p>\n Napriek v\u0161eobecnej mienke neplat\u00ed, \u017ee postupne z\u00edskavame finan\u010dn\u00fa gramotnos\u0165 prirodzene. Spravidla kop\u00edrujeme vzorce spr\u00e1vania n\u00e1\u0161ho okolia, ktor\u00e9, ako ukazuj\u00fa fakty, nie s\u00fa spr\u00e1vne. V dospelosti je preto pre n\u00e1s prekvapen\u00edm, ke\u010f si uvedom\u00edme, \u017ee s peniazmi cel\u00fd \u010das nar\u00e1bali zle.\n<h3><strong>S\u00a0peniazmi ich u\u010dia nar\u00e1ba\u0165 rodi\u010dia<\/strong><\/h3>\n<p>A\u017e <strong>77 % det\u00ed uviedlo, \u017ee ich s peniazmi nau\u010dili nar\u00e1ba\u0165 pr\u00e1ve rodi\u010dia<\/strong>. Maj\u00fa rodi\u010dia slovensk\u00fdch det\u00ed finan\u010dn\u00fa gramotnos\u0165 v\u00a0mal\u00ed\u010dku? Pr\u00e1ve naopak.<\/p>\n<p>Takmer polovica dospel\u00fdch \u00fa\u010dastn\u00edkov septembrov\u00e9ho prieskumu agent\u00fary Focus \u010derp\u00e1 inform\u00e1cie o financi\u00e1ch zo svojich <strong>vlastn\u00fdch sk\u00fasenost\u00ed a\u00a0z\u00e1\u017eitkov<\/strong>. \u010co je hor\u0161ie, p\u00e4tina spomedzi osloven\u00fdch inform\u00e1cie z tejto oblasti <strong>nevyh\u013ead\u00e1va v\u00f4bec<\/strong>. Slov\u00e1ci s\u00fa pod\u013ea prieskumu <strong>finan\u010dn\u00ed samoukovia<\/strong> a s peniazmi v\u00e4\u010d\u0161inou nar\u00e1baj\u00fa tak, ako ich \u017eivot nau\u010dil.<\/p>\n<p>Pod\u013ea odborn\u00ed\u010dky na osobn\u00e9 financie, Andrey Kasanickej Strakovej, si chybn\u00e9 nar\u00e1banie s peniazmi odovzd\u00e1me z gener\u00e1cie na gener\u00e1ciu. Vyjadrila sa pre internetov\u00fd port\u00e1l finreport. sk: \u201eZ domu si odn\u00e1\u0161ame <strong>dedi\u010dn\u00e9 finan\u010dn\u00e9 chyby<\/strong>, ktor\u00e9 opakujeme po cel\u00e9 gener\u00e1cie. Chybn\u00e9 n\u00e1vyky n\u00e1m br\u00e1nia ma\u0165 zdrav\u00e9 financie a po\u010das \u017eivota sa nimi pripravujeme na chudobn\u00fa starobu.\u201c<\/p>\n<p>Monica Eatonov\u00e1, certifikovan\u00e1 in\u0161truktorka finan\u010dn\u00e9ho vzdel\u00e1vania a zakladate\u013eka medi\u00e1lnej spolo\u010dnosti zameranej na finan\u010dn\u00fa gramotnos\u0165 det\u00ed, pre CNN vysvet\u013euje, \u017ee pr\u00e1ve rozpaky z vlastn\u00fdch ch\u00fdb m\u00f4\u017eu rodi\u010dom br\u00e1ni\u0165 vies\u0165 s de\u0165mi rozhovory o peniazoch. Rad\u00ed im, aby si tieto chyby z minulosti odpustili.<\/p>\n<p>Pod\u013ea\u00a0 finreport.sk patr\u00ed medzi \u0161es\u0165 <strong>naj\u010dastej\u0161\u00edch ch\u00fdb Slov\u00e1kov pri pr\u00e1ci s\u00a0peniazmi<\/strong> prehnan\u00e9 sebavedomie, <strong>m\u00ed\u0148anie nad r\u00e1mec svojich mo\u017enost\u00ed<\/strong>, \u010dast\u00e9 po\u017ei\u010diavanie, nevedomos\u0165 v\u00a0\u00farokov\u00fdch a\u00a0investi\u010dn\u00fdch produktoch a\u00a0to, \u017ee <strong>nad d\u00f4chodkom za\u010dneme prem\u00fd\u0161\u013ea\u0165 pr\u00edli\u0161 neskoro.<\/strong><\/p>\n Ani finan\u010dn\u00ed poradcovia \u010dastokr\u00e1t nemaj\u00fa dostato\u010dn\u00fa finan\u010dn\u00fa gramotnos\u0165 na to, aby sa do \u0161tyridsiatky stali finan\u010dne nez\u00e1visl\u00fdmi &#8211; napriek v\u0161eobecn\u00fdm o\u010dak\u00e1vaniam.\n<h3><strong>Rodi\u010dia vidia probl\u00e9m v\u00a0\u0161kolskom syst\u00e9me<\/strong><\/h3>\n<p>A\u017e <strong>\u0161tyridsa\u0165tri percent rodi\u010dov tvrd\u00ed, \u017ee probl\u00e9m je v \u0161kol\u00e1ch<\/strong>, ktor\u00e9 sa dostato\u010dne nevenuj\u00fa vzdel\u00e1vaniu v oblasti financi\u00ed. \u0160koly by mali kompenzova\u0165 nedostatok inform\u00e1ci\u00ed v rodine, a t\u00fdm stiera\u0165 socio-ekonomick\u00e9 rozdiely.<\/p>\n<p>Pre\u010do to nerobia?<\/p>\n<p>&quot;<em>Vzdel\u00e1vanie by malo by\u0165 prioritou ka\u017edej vyspelej krajiny. <strong>Reforma \u0161kolstva<\/strong> a cel\u00e9ho vzdel\u00e1vacieho syst\u00e9mu je na Slovensku nevyhnutn\u00e1. \u017dia\u013e, finan\u010dn\u00e1 gramotnos\u0165 je oblas\u0165, ktor\u00e1 doteraz nebola prioritou, no jej zanedbanie m\u00f4\u017ee ma\u0165 v bud\u00facnosti fat\u00e1lne n\u00e1sledky. My banky vid\u00edme, \u017ee aj dospel\u00fdm \u013eu\u010fom ch\u00fdbaj\u00fa \u010dasto z\u00e1klady. <strong>Nadmerne sa zadl\u017euj\u00fa<\/strong>, <strong>nevytv\u00e1raj\u00fa si dostato\u010dn\u00fa finan\u010dn\u00fa rezervu<\/strong>. Samostatnou oblas\u0165ou je ch\u00fdbaj\u00faca digit\u00e1lna finan\u010dn\u00e1 gramotnos\u0165, v d\u00f4sledku ktorej b\u00fdvaj\u00fa \u013eudia obe\u0165ou zneu\u017eitia a r\u00f4znych internetov\u00fdch podvodov<\/em>,&#8220; kon\u0161tatoval riadite\u013e 365.bank Andrej Za\u0165ko.<\/p>\n<p>Lektorka a\u00a0\u0161kolite\u013eka Komensk\u00e9ho in\u0161tit\u00fatu Zuzana Laba\u0161ov\u00e1 upriamuje pozornos\u0165 aj na <strong>nedostato\u010dn\u00e9 vzdel\u00e1vanie s\u00fa\u010dasn\u00fdch a\u00a0bud\u00facich pedag\u00f3gov<\/strong> v\u00a0tejto oblasti, zl\u00e9 syst\u00e9mov\u00e9 nastavenie a\u00a0<strong>nedostatok \u010dasu na finan\u010dn\u00fa gramotnos\u0165.<\/strong><\/p>\n<h3>N\u00e1dejou s\u00fa reformy \u0161k\u00f4l<\/h3>\n<p>Slovensk\u00ed politici si probl\u00e9m s nedostato\u010dnou finan\u010dnou gramotnos\u0165ou v\u0161imli a pl\u00e1nuj\u00fa ho rie\u0161i\u0165 v <strong>pripravovanej reforme \u0161kolstva<\/strong>.\u00a0Hlavn\u00fdm cie\u013eom reformy \u0161kolstva nie je to, aby sa u\u010divo od\u0161krtlo v evidencii ako prebran\u00e9, ale to, aby ho \u017eiak <strong>pochopil a vedel uplatni\u0165 v \u017eivote<\/strong>. Tvrdil to minister \u0161kolstva, vedy, v\u00fdskumu a \u0161portu Branislav Gr\u00f6hling, ako informuje slovensk\u00fd spravodajsk\u00fd port\u00e1l Teraz.sk.\u00a0<\/p>\n<p>Rezort \u0161kolstva avizoval, \u017ee sa v\u00e4\u010d\u0161\u00ed d\u00f4raz bude kl\u00e1s\u0165 na<strong> kritick\u00e9 myslenie.<\/strong> Reforma by pod\u013ea neho mala prinies\u0165 aj vzdel\u00e1vanie pr\u00edrodn\u00fdch vied prostredn\u00edctvom b\u00e1dania a experimentov. Zameria sa aj na rozvoj komunika\u010dn\u00fdch zru\u010dnost\u00ed a <strong>posilni\u0165 by sa mala aj finan\u010dn\u00e1 gramotnos\u0165,<\/strong> ktor\u00e1 bude <strong>s\u00fa\u010das\u0165ou viacer\u00fdch vyu\u010dovac\u00edch predmetov.<\/strong><\/p>\n<p>Reforma obsahu vzdel\u00e1vania je s\u00fa\u010das\u0165ou <strong>bal\u00edka troch reformn\u00fdch z\u00e1konov z dielne rezortu \u0161kolstva<\/strong>, ktor\u00e9 schv\u00e1lila N\u00e1rodn\u00e1 rada (NR) SR e\u0161te v polovici okt\u00f3bra 2021.<\/p>\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>V oblasti finan\u010dnej gramotnosti dosahuj\u00fa deti na Slovensku priemern\u00e9 v\u00fdsledky, v testovan\u00ed PISA dokonca na\u0161e deti nedosahuj\u00fa ani priemer kraj\u00edn OECD. Kto za to m\u00f4\u017ee? Nedostato\u010dne vzdelan\u00ed rodi\u010dia alebo u\u010ditelia?<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[51],"tags":[],"class_list":["post-7304","post","type-post","status-publish","format-standard","hentry","category-archiv","two-columns"],"_links":{"self":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/posts\/7304","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/comments?post=7304"}],"version-history":[{"count":0,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/posts\/7304\/revisions"}],"wp:attachment":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/media?parent=7304"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/categories?post=7304"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/tags?post=7304"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}