Fakten und Studien zur Finanzkompetenz in der Schweiz

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Begleitmaterial für den Unterricht

Wissen

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Kurzfilme zu Finanzkompetenz bei RSI

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Die Welt um uns herum besser verstehen: Das ist das Ziel von Radiotelevisione svizzera di lingua italiana (RSI EDU), einem digitalen Raum, der mit Hilfe von kurzen Videos aktuelle Themen und zeitgenössische Phänomene im Klassenzimmer oder zu Hause vorstellt.

Gemeinsam mit RSI haben «Il franco in tasca» und FinanceMission Schulungsvideos zu Finanzkompetenz lanciert. Die Videos sind in Originalsprache auf Italienisch zu sehen. Die französischen und deutschen Untertitel erscheinen automatisch oder können in den Einstellungen des Videos auf Youtube aktiviert werden.

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Sind wir bereit für eine bargeldlose Zukunft?

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Bargeld gehört in der Schweiz immer noch zu den am meisten genutzten Zahlungsmitteln. Der Trend zeigt jedoch, dass alternative Zahlungsmittel wie Debitkarten und mobiles Bezahlen immer beliebter und häufiger genutzt werden. Wie können wir die Herausforderungen der Digitalisierung meistern? In diesem Video versuchen wir zu klären, welche Fähigkeiten notwendig sind, um sich sicher und intelligent in der heutigen Finanzlandschaft zu bewegen.

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Weisst Du, wie man sparen kann?

In diesem Video zeigt RSI, wie man sich Wünsche erfüllen kann und was dies mit der Erstellung eines Budget zu tun hat. Auf der Grundlage von Einnahmen und Ausgaben verschafft man sich zuerst einen Überblick über seine eigenen Finanzen. Und wenn dann Geld übrig ist, kann man dieses auf die Seite legen. Ein Budget kann so Wünsche wahr werden lassen.

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Wusstest du, dass die Werbung es bereits geschafft hat, dich zu beeinflussen?

Werbung ist überall. Wir sehen sie auf Plakatwänden, wenn wir die Strasse entlanggehen, wir erhalten sie in unserem Briefkasten, sie erscheint zwischen Posts in unseren bevorzugten sozialen Netzwerken und wenn wir online surfen, und sie unterbricht uns ständig, wenn wir Videos auf YouTube ansehen. Kurzum, sie ist unvermeidlich. Und was nun? Wo liegt das Problem?

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Was ist der Unterschied zwischen einer Kreditkarte und einer Debitkarte?

Die Verwendung von Kredit- und Debitkarten hat in den letzten Jahrzehnten stetig zugenommen: Allein in der Schweiz wurden im Jahr 2021 fast 2 Milliarden Karten verwendet. Es gibt heute verschiedene Arten von Zahlungskarten auf dem Markt, die alle gleich aussehen, aber welche solltest du wählen?

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Hintergrundwissen

Fakten und Studien

[/fusion_title][/fusion_builder_column][fusion_builder_column type=“1_3″ layout=“1_3″ center_content=“no“ hover_type=“none“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ background_position=“left top“ background_repeat=“no-repeat“ border_style=“solid“ border_position=“all“ animation_direction=“left“ animation_speed=“0.3″ last=“false“ first=“true“ background_blend_mode=“overlay“ background_color=“var(–awb-color1)“ border_radius_bottom_right=“20px“ border_radius_bottom_left=“20px“ min_height=““ link=““][fusion_imageframe image_id=“6340|full“ style_type=“none“ hover_type=“none“ align=“none“ lightbox=“no“ link=“http://www.oecd.org/pisa/publications/pisa-2018-results-volume-iv-48ebd1ba-en.htm“ linktarget=“_blank“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ animation_direction=“left“ animation_speed=“0.3″ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“100″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″]https://financemission.ch/wp-uploads/2020/07/preview-full-PISA.png[/fusion_imageframe][fusion_title title_type=“text“ loop_animation=“once“ marquee_direction=“left“ marquee_speed=“15000″ rotation_effect=“bounceIn“ display_time=“1200″ highlight_effect=“circle“ highlight_width=“9″ highlight_top_margin=“0″ title_link=“off“ link_target=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ class=“content-title-3″ content_align=“left“ size=“5″ text_shadow=“no“ text_shadow_blur=“0″ text_stroke=“no“ text_stroke_size=“1″ text_overflow=“none“ gradient_font=“no“ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ style_type=“none“ animation_direction=“left“ animation_speed=“0.3″ animation_delay=“0″ margin_top=“8%“ margin_right=“8%“ margin_left=“8%“]Eltern spielen laut der PISA-Studie 2018 eine zentrale Rolle bei der Finanzkompetenz.[/fusion_title][fusion_text hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ animation_direction=“left“ animation_speed=“0.3″ animation_delay=“0″ margin_right=“8%“ margin_bottom=“8%“ margin_left=“8%“]

Laut der internationalen Befragung (an der die Schweiz nicht teilgenommen hat) waren Eltern, Erziehungsberechtigte und andere Beziehungen zu Erwachsenen die häufigste Informationsquelle der 15-Jährigen Schülerinnen und Schüler über Geldangelegenheiten: 94% der Befragten gaben an, solche Informationen von ihren Eltern zu erhalten. Schülerinnen und Schüler, die ihre Eltern als Informationsquelle über Geldangelegenheiten nutzen, schnitten im Durchschnitt um 27 Punkte besser ab als Schülerinnen und Schüler, die dies nicht tun. Zur Studie

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Fast jede achte Person lebt in einem Haushalt mit Zahlungsrückstand

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Das Bundesamt für Statistik hebt in seiner Medienmitteilung vom 29. Okotber 2024 hervor, dass 12.1% der Bevölkerung in der Schweiz in einem Haushalt mit mindestens einem Zahlungsrückstand leben. Am häufigsten ausstehend waren Steuerrechnungen und Krankenkassenprämien.
Die am weitesten verbreiteten Schuldenarten waren jedoch Fahrzeug-Leasings, 14,5% der Bevölkerung leben in einem entsprechenden Haushalt, gefolgt von Hypotheken ausser auf den Hauptwohnsitz mit 12,6%. Die Hauptgründe für eine Kreditaufnahme unterscheiden sich je nach Einkommenssituation.
Hauptergebnisse «Verschuldung», Bundesamt für Statistik

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JAMESfocus 2019: Jugendliche und digitale Medien im Unterricht

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Schweizer Lehrkräfte erleben die Digitalisierung mehrheitlich als Chance, wie der aktuelle JAMESfocus-Bericht zeigt. Die Vielseitigkeit digitaler Medien und die Förderung der Medienkompetenz sehen sie als grössten Vorteil. Unterstützung wünschen sie sich in technischen Belangen sowie bei didaktischen Fragen.

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Financial Literacy

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Studie zum Lehrlingslohn zeigt den Umgang mit Geld und die Finanzkompetenz von Jugendlichen

Eine Studie im Auftrag des Verbands Schweizerischer Kantonalbanken hat das Verhältnis von Jugendlichen und ihrem Lehrlingslohn untersucht. Sie zeigt: Jugendliche gehen sehr verantwortungsbewusst mit Ihren Finanzen um. Sie handeln nicht nur mehrheitlich vernünftig, sondern verfügen auch über altersgerechte Finanzkompetenz. Eine durchaus positive Bilanz, die das Klischee von konsumwütigen jugendlichen Internet-Shoppern in Frage stellt. Eine Zusammenfassung der Studie für Jugendliche ist im Primus Oberstufe Magazin erschienen.

[/fusion_text][fusion_button link=“https://financemission.ch/wp-uploads/2024/04/Studie_VSKB_Prognos_Lehrlingslohn_DE_2018-09-03.pdf“ target=“_blank“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ color=“default“ stretch=“default“ icon=“fa-external-link-alt fas“ icon_position=“right“ icon_divider=“no“ hover_transition=“icon_position“ animation_direction=“left“ animation_speed=“0.3″ animation_delay=“0″]Ganze Studie[/fusion_button][fusion_code]PGJyPjwvYnI+[/fusion_code][fusion_youtube id=“https://www.youtube.com/watch?time_continue=4&v=QunbVMbq9Tg“ autoplay=“false“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ /][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container admin_label=“Netzwerk – Mehr wissen“ type=“flex“ hundred_percent=“no“ hundred_percent_height=“no“ hundred_percent_height_scroll=“no“ align_content=“stretch“ flex_align_items=“flex-start“ flex_justify_content=“flex-start“ hundred_percent_height_center_content=“yes“ equal_height_columns=“no“ container_tag=“div“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ status=“published“ padding_top=“50″ padding_bottom=“50″ border_style=“solid“ box_shadow=“no“ box_shadow_blur=“0″ box_shadow_spread=“0″ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ background_position=“center center“ background_repeat=“no-repeat“ fade=“no“ background_parallax=“none“ enable_mobile=“no“ parallax_speed=“0.3″ background_blend_mode=“none“ video_aspect_ratio=“16:9″ video_loop=“yes“ video_mute=“yes“ absolute=“off“ absolute_devices=“small,medium,large“ sticky=“off“ sticky_devices=“small-visibility,medium-visibility,large-visibility“ sticky_transition_offset=“0″ scroll_offset=“0″ animation_direction=“left“ animation_speed=“0.3″ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“100″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″ admin_toggled=“no“ background_color=“var(–awb-custom_color_14)“ mask_bg=“mask-16″ mask_bg_color=“var(–awb-custom_color_13)“ mask_bg_transform=“flip-vertical“ mask_bg_accent_color=“var(–awb-custom_color_12)“ mask_bg_opacity=“10″][fusion_builder_row][fusion_builder_column type=“1_1″ layout=“1_2″ align_self=“auto“ content_layout=“column“ align_content=“flex-start“ valign_content=“flex-start“ content_wrap=“wrap“ center_content=“no“ column_tag=“div“ target=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ order_medium=“0″ order_small=“0″ hover_type=“none“ border_style=“solid“ box_shadow=“no“ box_shadow_blur=“0″ box_shadow_spread=“0″ z_index_subgroup=“regular“ background_type=“single“ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ lazy_load=“none“ background_position=“left top“ background_repeat=“no-repeat“ background_blend_mode=“none“ sticky=“off“ sticky_devices=“small-visibility,medium-visibility,large-visibility“ filter_type=“regular“ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“100″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″ transform_type=“regular“ transform_scale_x=“1″ transform_scale_y=“1″ transform_translate_x=“0″ transform_translate_y=“0″ transform_rotate=“0″ transform_skew_x=“0″ transform_skew_y=“0″ transform_scale_x_hover=“1″ transform_scale_y_hover=“1″ transform_translate_x_hover=“0″ transform_translate_y_hover=“0″ transform_rotate_hover=“0″ transform_skew_x_hover=“0″ transform_skew_y_hover=“0″ animation_direction=“left“ animation_speed=“0.3″ padding_top_small=“60px“ last=“true“ border_position=“all“ padding_left_small=“0px“ first=“true“ min_height=““ link=““][fusion_text hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ margin_bottom=“0px“ font_size=“19px“ text_transform=“none“ text_color=“var(–awb-custom_color_10)“ animation_direction=“left“ animation_speed=“0.3″ animation_delay=“0″]

Netzwerk Finanzkompetenz

Der Verein FinanceMission ist Mitglied im Netzwerk Finanzkompetenz. Das Netzwerk besteht aus Akteuren der Bildung, Prävention und Beratung. Das gemeinsame Ziel ist, die Finanzkompetenz der Bevölkerung zu fördern. Einmal jährlich setzen diese Akteure die schweizweite Swiss Money Week um. An dieser Stelle ausgewählte Angebote, Studien und Institutionen:

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Elternratgeber für Geldfragen

[/fusion_title][fusion_text hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ animation_direction=“left“ animation_speed=“0.3″ animation_delay=“0″]

Die Plattform jugendbudget.ch thematisiert Fragestellungen rund um das Thema Kinder und Geld. Sie bietet Eltern Ideen, Anregungen und Hilfestellungen, wie sie Geldthemen mit ihren Kindern besprechen können.

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MoneyHaxx bietet Tipps und Hacks für alle, die keine Geldsorgen haben wollen. Der Verein MoneyHaxx hat es sich deshalb zum Ziel gesetzt, das Finanzwissen junger Erwachsener stärker zu fördern. Die Seite richtet sich an ein junges Publikum ab 18 Jahren. Die Website von MoneyHaxx wurde im April 2024 ausgerollt. Das Angebot startet mit sechs Hacks und wird in Zukunft um weitere Beiträge ergänzt.

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custom_aspect_ratio=“100″ lightbox=“no“ linktarget=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ align_medium=“none“ align_small=“none“ align=“none“ hover_type=“none“ magnify_duration=“120″ scroll_height=“100″ scroll_speed=“1″ caption_style=“off“ caption_align_medium=“none“ caption_align_small=“none“ caption_align=“none“ caption_title_tag=“2″ animation_direction=“left“ animation_speed=“0.3″ animation_delay=“0″ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“100″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″ margin_top=“15″ margin_right=“15″ margin_bottom=“15″ margin_left=“15″]https://financemission.ch/wp-uploads/2021/02/Logo_iconomix.png[/fusion_imageframe][fusion_title title_type=“text“ loop_animation=“once“ marquee_direction=“left“ marquee_speed=“15000″ rotation_effect=“bounceIn“ display_time=“1200″ highlight_effect=“circle“ highlight_width=“9″ highlight_top_margin=“0″ title_link=“off“ link_target=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ content_align=“left“ size=“5″ text_shadow=“no“ text_shadow_blur=“0″ text_stroke=“no“ text_stroke_size=“1″ text_overflow=“none“ gradient_font=“no“ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ style_type=“default“ animation_direction=“left“ animation_speed=“0.3″ animation_delay=“0″]Webbasiertes Lehrangebot zu Financial Literacy[/fusion_title][fusion_text hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ 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Zugang, Umsetzung und Nutzen des Jugendlohns

Fachleute empfehlen Eltern, ihren Kindern einen monatlichen Lohn auszuzahlen und mehr finanzielle Verantwortung zu übertragen. Im Auftrag des Vereins Jugendlohn untersuchte die Hochschule Luzern – Soziale Arbeit zusammen mit der Hochschule für Angewandte Psychologie FHNW den Jugendlohn im Hinblick auf den Zugang, die Umsetzung und den Nutzen für Jugendliche und Familien. Die Studie zieht ein positives Fazit: Die meisten Eltern machen die Erfahrung, dass ihre Kinder dank des Jugendlohns lernen, besser mit Geld umzugehen.

[/fusion_text][fusion_button link=“https://www.hslu.ch/de-ch/hochschule-luzern/ueber-uns/medien/medienmitteilungen/2018/03/20/jugendlohn/“ target=“_blank“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ color=“default“ linear_angle=“180″ stretch=“default“ icon=“fa-external-link-alt fas“ icon_position=“right“ icon_divider=“no“ hover_transition=“icon_position“ animation_direction=“left“ animation_speed=“0.3″ animation_delay=“0″]Zur Studie[/fusion_button][/fusion_builder_column_inner][/fusion_builder_row_inner][fusion_separator style_type=“single|dotted“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ flex_grow=“0″ top_margin=“40px“ bottom_margin=“40px“ width=“200px“ alignment=“center“ sep_color=“var(–awb-color7)“ /][fusion_builder_row_inner][fusion_builder_column_inner type=“1_1″ layout=“1_1″ align_self=“auto“ content_layout=“column“ align_content=“flex-start“ 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border_position=“all“ first=“true“ min_height=““ link=““][fusion_imageframe image_id=“12055|full“ custom_aspect_ratio=“100″ lightbox=“no“ linktarget=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ align_medium=“none“ align_small=“none“ align=“none“ hover_type=“none“ magnify_duration=“120″ scroll_height=“100″ scroll_speed=“1″ margin_bottom=“15px“ borderradius=“10px“ caption_style=“off“ caption_align_medium=“none“ caption_align_small=“none“ caption_align=“none“ caption_title_tag=“2″ animation_direction=“left“ animation_speed=“0.3″ animation_delay=“0″ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“100″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″]https://financemission.ch/wp-uploads/2024/08/Tresor-Beitrag-3_2016_heute-kaufen-morgen-zahlen-1.png[/fusion_imageframe][fusion_title title_type=“text“ loop_animation=“once“ marquee_direction=“left“ marquee_speed=“15000″ rotation_effect=“bounceIn“ display_time=“1200″ highlight_effect=“circle“ highlight_width=“9″ highlight_top_margin=“0″ title_link=“off“ link_target=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ content_align=“left“ size=“5″ text_shadow=“no“ text_shadow_blur=“0″ text_stroke=“no“ text_stroke_size=“1″ text_overflow=“none“ gradient_font=“no“ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ style_type=“default“ animation_direction=“left“ animation_speed=“0.3″ animation_delay=“0″]Heute kaufen, morgen zahlen – Jugendliche und das liebe Geld[/fusion_title][fusion_text hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ animation_direction=“left“ animation_speed=“0.3″ animation_delay=“0″]

«Überschuldung resultiert einerseits daraus, dass viele Konsumenten ungenügendes Wissen über Kreditprodukte haben. Der (…) Konsumentenschutz sowie die finanzielle Grundbildung helfen dabei. Andererseits ist es so, dass einige Konsumenten den heutigen Konsum zulasten der Zukunft bewusst überspannen. (…) Es ist deshalb wichtig, dass innovative Projekte der finanziellen Bildung gefördert werden, die für alle Jugendlichen zugänglich und interessant sind.» · Interview mit Prof. Dr. Martin Brown (Tresor 3/2016)

[/fusion_text][fusion_button link=“https://financemission.ch/wp-uploads/2016/10/Tresor-Beitrag-3_2016_heute-kaufen-morgen-zahlen.pdf“ target=“_blank“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ color=“default“ linear_angle=“180″ stretch=“default“ icon=“fa-external-link-alt fas“ icon_position=“right“ icon_divider=“no“ hover_transition=“icon_position“ animation_direction=“left“ animation_speed=“0.3″ animation_delay=“0″]Zum Interview[/fusion_button][/fusion_builder_column_inner][/fusion_builder_row_inner][fusion_separator style_type=“single|dotted“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ flex_grow=“0″ top_margin=“40px“ bottom_margin=“40px“ width=“200px“ alignment=“center“ sep_color=“var(–awb-color7)“ /][/fusion_builder_column][fusion_builder_column type=“1_3″ layout=“1_3″ align_self=“auto“ content_layout=“column“ align_content=“flex-start“ valign_content=“flex-start“ 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center“ linear_angle=“180″ lazy_load=“none“ background_position=“left top“ background_repeat=“no-repeat“ background_blend_mode=“none“ background_slider_skip_lazy_loading=“no“ background_slider_loop=“yes“ background_slider_pause_on_hover=“no“ background_slider_slideshow_speed=“5000″ background_slider_animation=“fade“ background_slider_direction=“up“ background_slider_animation_speed=“800″ sticky=“off“ sticky_devices=“small-visibility,medium-visibility,large-visibility“ absolute=“off“ filter_type=“regular“ filter_hover_element=“self“ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“100″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″ transform_type=“regular“ transform_hover_element=“self“ transform_scale_x=“1″ transform_scale_y=“1″ 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highlight_top_margin=“0″ title_link=“off“ link_target=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ content_align=“left“ size=“5″ text_shadow=“no“ text_shadow_blur=“0″ text_stroke=“no“ text_stroke_size=“1″ text_overflow=“none“ gradient_font=“no“ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ style_type=“default“ animation_direction=“left“ animation_speed=“0.3″ animation_delay=“0″]Financial Literacy: Was wissen wir über Geld?[/fusion_title][fusion_text hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ animation_direction=“left“ animation_speed=“0.3″ animation_delay=“0″]

Wie steht es um unser Finanzverständnis? Und was heisst es, vernünftig mit Geld umzugehen? Prof. Dr. Martin Brown, Bankenexperte der Universität St.Gallen, forscht zum Thema Financial Literacy. Zu seiner Forschung ist ein Film der Animationsvideoserie «Little Green Bags» entstanden.

[/fusion_text][fusion_button link=“https://youtu.be/0pvJEYChZ9Q“ target=“_blank“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ color=“default“ linear_angle=“180″ stretch=“default“ icon=“fa-external-link-alt fas“ icon_position=“right“ icon_divider=“no“ hover_transition=“icon_position“ animation_direction=“left“ animation_speed=“0.3″ animation_delay=“0″]Zum Video[/fusion_button][/fusion_builder_column_inner][/fusion_builder_row_inner][fusion_separator style_type=“single|dotted“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ flex_grow=“0″ top_margin=“40px“ bottom_margin=“40px“ width=“200px“ alignment=“center“ sep_color=“var(–awb-color7)“ /][fusion_builder_row_inner][fusion_builder_column_inner type=“1_1″ layout=“1_1″ align_self=“auto“ content_layout=“column“ align_content=“flex-start“ valign_content=“flex-start“ content_wrap=“wrap“ center_content=“no“ column_tag=“div“ target=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ order_medium=“0″ order_small=“0″ hover_type=“none“ border_style=“solid“ box_shadow=“no“ box_shadow_blur=“0″ box_shadow_spread=“0″ background_type=“single“ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ lazy_load=“none“ background_position=“left top“ background_repeat=“no-repeat“ background_blend_mode=“none“ background_slider_skip_lazy_loading=“no“ background_slider_loop=“yes“ background_slider_pause_on_hover=“no“ background_slider_slideshow_speed=“5000″ background_slider_animation=“fade“ background_slider_direction=“up“ background_slider_animation_speed=“800″ sticky=“off“ sticky_devices=“small-visibility,medium-visibility,large-visibility“ absolute=“off“ filter_type=“regular“ filter_hover_element=“self“ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“100″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″ transform_type=“regular“ transform_hover_element=“self“ transform_scale_x=“1″ transform_scale_y=“1″ transform_translate_x=“0″ transform_translate_y=“0″ transform_rotate=“0″ transform_skew_x=“0″ transform_skew_y=“0″ transform_scale_x_hover=“1″ transform_scale_y_hover=“1″ transform_translate_x_hover=“0″ transform_translate_y_hover=“0″ transform_rotate_hover=“0″ transform_skew_x_hover=“0″ transform_skew_y_hover=“0″ transition_duration=“300″ transition_easing=“ease“ scroll_motion_devices=“small-visibility,medium-visibility,large-visibility“ animation_direction=“left“ animation_speed=“0.3″ animation_delay=“0″ last=“true“ border_position=“all“ first=“true“ min_height=““ link=““][fusion_title title_type=“text“ loop_animation=“once“ marquee_direction=“left“ marquee_speed=“15000″ rotation_effect=“bounceIn“ display_time=“1200″ highlight_effect=“circle“ highlight_width=“9″ highlight_top_margin=“0″ title_link=“off“ link_target=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ content_align=“left“ size=“5″ text_shadow=“no“ text_shadow_blur=“0″ text_stroke=“no“ text_stroke_size=“1″ text_overflow=“none“ gradient_font=“no“ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ style_type=“default“ animation_direction=“left“ animation_speed=“0.3″ animation_delay=“0″]

Culture and Financial Literacy

Die Studie der Universitäten St. Gallen und Freiburg zeigt deutliche Unterschiede im Finanzwissen von Jugendlichen aufgrund ihrer kulturellen Herkunft auf. Dieses Ergebnis deutet darauf hin, dass der kulturelle Hintergrund einen beachtlichen Einfluss auf die Aneignung von Finanzwissen haben kann. Bei der Planung und Umsetzung von «Financial Literacy»-Programmen sollten diese Unterschiede berücksichtigt werden.

[/fusion_text][fusion_button link=“http://www.oekonomenstimme.org/artikel/2017/08/kultur-und-das-finanzwissen-deutliche-unterschiede-an-der-schweizer-sprachgrenze/“ target=“_blank“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ color=“default“ linear_angle=“180″ stretch=“default“ icon=“fa-external-link-alt fas“ icon_position=“right“ icon_divider=“no“ hover_transition=“icon_position“ animation_direction=“left“ animation_speed=“0.3″ animation_delay=“0″]Zum Artikel[/fusion_button][/fusion_builder_column_inner][/fusion_builder_row_inner][fusion_separator style_type=“single|dotted“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ flex_grow=“0″ top_margin=“40px“ bottom_margin=“40px“ width=“200px“ alignment=“center“ sep_color=“var(–awb-color7)“ /][fusion_builder_row_inner][fusion_builder_column_inner type=“1_1″ layout=“1_1″ align_self=“auto“ content_layout=“column“ align_content=“flex-start“ valign_content=“flex-start“ content_wrap=“wrap“ center_content=“no“ column_tag=“div“ target=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ order_medium=“0″ order_small=“0″ hover_type=“none“ border_style=“solid“ box_shadow=“no“ box_shadow_blur=“0″ box_shadow_spread=“0″ background_type=“single“ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ lazy_load=“none“ background_position=“left top“ background_repeat=“no-repeat“ background_blend_mode=“none“ background_slider_skip_lazy_loading=“no“ background_slider_loop=“yes“ background_slider_pause_on_hover=“no“ background_slider_slideshow_speed=“5000″ background_slider_animation=“fade“ background_slider_direction=“up“ background_slider_animation_speed=“800″ sticky=“off“ sticky_devices=“small-visibility,medium-visibility,large-visibility“ absolute=“off“ filter_type=“regular“ filter_hover_element=“self“ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“100″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″ transform_type=“regular“ transform_hover_element=“self“ transform_scale_x=“1″ transform_scale_y=“1″ transform_translate_x=“0″ transform_translate_y=“0″ transform_rotate=“0″ transform_skew_x=“0″ transform_skew_y=“0″ transform_scale_x_hover=“1″ transform_scale_y_hover=“1″ transform_translate_x_hover=“0″ transform_translate_y_hover=“0″ transform_rotate_hover=“0″ transform_skew_x_hover=“0″ transform_skew_y_hover=“0″ transition_duration=“300″ transition_easing=“ease“ scroll_motion_devices=“small-visibility,medium-visibility,large-visibility“ animation_direction=“left“ animation_speed=“0.3″ animation_delay=“0″ last=“true“ border_position=“all“ first=“true“ min_height=““ link=““][fusion_title title_type=“text“ loop_animation=“once“ marquee_direction=“left“ marquee_speed=“15000″ rotation_effect=“bounceIn“ display_time=“1200″ highlight_effect=“circle“ highlight_width=“9″ highlight_top_margin=“0″ title_link=“off“ link_target=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ content_align=“left“ size=“5″ text_shadow=“no“ text_shadow_blur=“0″ text_stroke=“no“ text_stroke_size=“1″ text_overflow=“none“ gradient_font=“no“ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ style_type=“default“ animation_direction=“left“ animation_speed=“0.3″ animation_delay=“0″]

Der Nutzen von Lerngames

[/fusion_text][fusion_button link=“https://www.researchgate.net/publication/321137033_Instructional_Integration_of_Digital_Learning_Games_in_Financial_Literacy_Education“ target=“_blank“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ color=“default“ linear_angle=“180″ stretch=“default“ icon=“fa-external-link-alt fas“ icon_position=“right“ icon_divider=“no“ hover_transition=“icon_position“ animation_direction=“left“ animation_speed=“0.3″ animation_delay=“0″]Zum Artikel[/fusion_button][/fusion_builder_column_inner][/fusion_builder_row_inner][fusion_separator style_type=“single|dotted“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ flex_grow=“0″ top_margin=“40px“ bottom_margin=“40px“ width=“200px“ alignment=“center“ sep_color=“var(–awb-color7)“ /][fusion_builder_row_inner][fusion_builder_column_inner type=“1_1″ layout=“1_1″ align_self=“auto“ content_layout=“column“ align_content=“flex-start“ valign_content=“flex-start“ content_wrap=“wrap“ center_content=“no“ column_tag=“div“ target=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ order_medium=“0″ order_small=“0″ hover_type=“none“ border_style=“solid“ box_shadow=“no“ box_shadow_blur=“0″ box_shadow_spread=“0″ background_type=“single“ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ lazy_load=“none“ background_position=“left top“ background_repeat=“no-repeat“ background_blend_mode=“none“ background_slider_skip_lazy_loading=“no“ background_slider_loop=“yes“ background_slider_pause_on_hover=“no“ background_slider_slideshow_speed=“5000″ background_slider_animation=“fade“ background_slider_direction=“up“ background_slider_animation_speed=“800″ sticky=“off“ sticky_devices=“small-visibility,medium-visibility,large-visibility“ absolute=“off“ filter_type=“regular“ filter_hover_element=“self“ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“100″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″ transform_type=“regular“ transform_hover_element=“self“ transform_scale_x=“1″ transform_scale_y=“1″ transform_translate_x=“0″ transform_translate_y=“0″ transform_rotate=“0″ transform_skew_x=“0″ transform_skew_y=“0″ transform_scale_x_hover=“1″ transform_scale_y_hover=“1″ transform_translate_x_hover=“0″ transform_translate_y_hover=“0″ transform_rotate_hover=“0″ transform_skew_x_hover=“0″ transform_skew_y_hover=“0″ transition_duration=“300″ transition_easing=“ease“ scroll_motion_devices=“small-visibility,medium-visibility,large-visibility“ animation_direction=“left“ animation_speed=“0.3″ animation_delay=“0″ last=“true“ border_position=“all“ first=“true“ min_height=““ link=““][fusion_imageframe image_id=“12064|full“ custom_aspect_ratio=“100″ lightbox=“no“ linktarget=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ align_medium=“none“ align_small=“none“ align=“none“ hover_type=“none“ magnify_duration=“120″ scroll_height=“100″ scroll_speed=“1″ margin_bottom=“15px“ borderradius=“10px“ caption_style=“off“ caption_align_medium=“none“ caption_align_small=“none“ caption_align=“none“ caption_title_tag=“2″ animation_direction=“left“ animation_speed=“0.3″ animation_delay=“0″ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“100″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″]https://financemission.ch/wp-uploads/2024/08/Fachgespraech.jpg[/fusion_imageframe][fusion_title title_type=“text“ loop_animation=“once“ marquee_direction=“left“ marquee_speed=“15000″ rotation_effect=“bounceIn“ display_time=“1200″ highlight_effect=“circle“ highlight_width=“9″ highlight_top_margin=“0″ title_link=“off“ link_target=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ content_align=“left“ size=“5″ text_shadow=“no“ text_shadow_blur=“0″ text_stroke=“no“ text_stroke_size=“1″ text_overflow=“none“ gradient_font=“no“ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ style_type=“default“ animation_direction=“left“ animation_speed=“0.3″ animation_delay=“0″]

Lernen im Zeitalter der Digitalisierung

[/fusion_text][fusion_button link=“https://financemission.ch/wp-uploads/2019/07/Primus-Oberstufe-2019_Lehrlingslohn.pdf“ target=“_blank“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ color=“default“ linear_angle=“180″ stretch=“default“ icon=“fa-external-link-alt fas“ icon_position=“right“ icon_divider=“no“ hover_transition=“icon_position“ animation_direction=“left“ animation_speed=“0.3″ animation_delay=“0″]Zur Studie[/fusion_button][/fusion_builder_column_inner][/fusion_builder_row_inner][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]