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Author: Dorte Verner
Publisher: World Bank Publications
Keywords: africa, different, literacy, world, influence, factors
Number of Pages: 25
Published: 2005

"Ninety-five percent of the world's illiterate people live in developing countries, and about 70 percent are women. Female illiteracy rates are particularly high in Sub-Saharan Africa. In Niger and Burkina Faso, for example, more than 90 percent of women are illiterate. This paper presents a model of literacy. It shows that the main determinants of worldwide literacy are enrollment rates, average years of schooling of adults, and life expectancy at birth. Income has a weak nonlinear effect, negatively affecting literacy until a threshold level of per-capita income of about $2,200 a year is rea

Author: Gene L. Dodaro
Publisher: DIANE Publishing
Keywords: financial, sound, choices, congressional, testimony, americans, empowering, literacy, federal, governments, role
Number of Pages: 16
Published: 2011-08
ISBN-10: 1437984703
ISBN-13: 9781437984705

Financial literacy plays an important role in helping ensure the financial health and stability of individuals, families, and our broader national economy. Economic changes in recent years have highlighted the need to empower Americans to make informed financial decisions, yet evidence indicates that many U.S. consumers could benefit from a better understanding of financial matters. For ex., recent surveys indicate that many consumers have difficulty with basic financial concepts and do not budget. This testimony discusses: (1) the state of the fed. government's approach to financial literacy;

Author: Alicia Puente Cackley
Publisher: DIANE Publishing
Keywords: individuals, limited, english, proficiency, literacy, financial, finance, factors, affecting, consumer
Number of Pages: 31
Published: 2010-10
ISBN-10: 1437933947
ISBN-13: 9781437933949

More than 12 million adults in the U.S. report they do not speak English well or at all. Proficiency in reading, writing, speaking, and understanding the English language appears to be linked to multiple dimensions of adult life in the U.S., including financial literacy -- the ability to make informed judgments and take effective actions regarding the current and future use and management of money. A recent Federal Act in 2009 mandated an examination of the relationship between fluency in the English language and financial literacy. This report examines the extent, if any, to which individuals

Author: OECD
Publisher: OECD Publishing
Keywords: financial, italy, symposium, literacy, bank, oecd, education, efficiency, improving
Number of Pages: 152
Published: 2011-10-27
ISBN-10: 9264108211
ISBN-13: 9789264108219

This symposium proceedings examines three aspects of financial education: monitoring and evaluation, use of behavioral economics,  and financial literacy and defined contribution pension plans.

Author: Daniel McGrath
Publisher: DIANE Publishing
Keywords: international, literacy, reading, study, results, progress, students, fourth, grade, context
Number of Pages: 56
Published: 2009-12
ISBN-10: 1437916295
ISBN-13: 9781437916294

The Progress in Internat. Reading Literacy Study (PIRLS) is an assessment of the reading comprehension of students in 4th grade. In 2006, PIRLS was admin. to a nationally representative sample of 4th-grade students in the U.S., as well as to students in 44 other jurisdictions around the world. This report compares the performance of U.S. students with their peers around the world and also examines how the reading literacy of U.S. 4th-grade students has changed since 2001. Results are presented by student background characteristics (sex and race/ethnicity) and by contextual factors that may be

Author: DIANE Publishing Company
Publisher: DIANE Publishing
Keywords: legislative, guide, congress, 104th, adult, education, literacy
Number of Pages: 51
Published: 1995-10
ISBN-10: 0788124811
ISBN-13: 9780788124815

Explains how recent political changes influence the literacy & adult education fields. Discusses the Adult Education Act (AEA), how the legislative processes work, & how the average citizen can participate in those processes. Appendix contains the complete Adult Education Act. Chapters cover the traditional reauthorization process, exceptions to that rule, a history of the adult education act, resources for literacy policy, & a legislative outlook for the 104th congress.

Author: Kristopher Gerardi
Publisher: DIANE Publishing
Keywords: survey, matched, administrative, data, evidence, delinquency, literacy, subprime, mortgage, financial
Number of Pages: 54
Published: 2010-10
ISBN-10: 1437935184
ISBN-13: 9781437935189

This paper investigates whether a particular aspect of borrowers' financial literacy ż their numerical ability ż may have played a role in the subprime mortgage delinquency. The authors measure several aspects of financial literacy and cognitive ability in a survey of subprime mortgage borrowers who took out mortgages in 2006 or 2007 and match these measures to objective data on mortgage characteristics and repayment performance. They find a large and statistically significant negative correlation between numerical ability and various measures of delinquency and default. These results raise
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