Zastosowanie wielowymiarowych metod statystycznych w diagnozie alfabetyzmu finansowego w Polsce na podstawie testu „wielkiej piątki”
DOI:
https://doi.org/10.33119/SIP.2023.195.13Słowa kluczowe:
alfabetyzm finansowy w Polsce, program R, test „wielkiej piątki”, wiedza finansowa, wielowymiarowa analiza statystycznaAbstrakt
Wiedza finansowa (ang. financial knowledge) i umiejętność jej zastosowania w praktyce (ang. financial skills, abilities) określają alfabetyzm finansowy (ang. financial literacy). Jak wynika z ostatnich badań, poziom wiedzy finansowej Polaków jest niski na tle zarówno Europy, jak i krajów świata. Stąd też istotna wydaje się potrzeba uporządkowania i usystematyzowania wiedzy w tym obszarze. Ponadto, brakuje rzetelnych narzędzi statystycznych, które pozwalałyby na diagnozę poziomu alfabetyzmu finansowego, dostarczając obiektywnych wyników, a także umożliwiając wdrożenie rozwiązań, których celem byłaby poprawa wiedzy oraz świadomości finansowej. W niniejszym artykule zostaną przedstawione wyniki badań opartych na teście wiedzy finansowej i pytaniach zawartych w kwestionariuszu „wielkiej piątki” (ang. big five), które przeprowadzono w Polsce. Zgromadzone w tym celu dane opracowano z wykorzystaniem wielowymiarowych metod statystycznych przeznaczonych do analizy pozycji testowych i danych jakościowych, a wszelkie obliczenia zostały przeprowadzone w programie R.
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Prawa autorskie (c) 2024 Studia i Prace Kolegium Zarządzania i Finansów
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