Liceenii depind \u00een continuare \u00een mare m\u0103sur\u0103 de sprijin financiar \u2013 fie sub form\u0103 de bani de buzunar primi\u0163i regulat de la familie (24%), fie prin aloca\u0163ia de la stat (18%) sau prin burse \u015fcolare (17%), potrivit studiului na\u0163ional \u201eMoneyMind \u2013 Cum g\u00e2ndesc liceenii despre bani\u201d, care analizeaz\u0103 comportamentele financiare ale adolescen\u0163ilor din Rom\u00e2nia.<\/p>\n
Totu\u015fi, cercetarea surprinde \u015fi primele semne ale autonomiei financiare: 8% dintre adolescen\u0163i au deja un job part-time sau ob\u0163in bani din activit\u0103\u0163i online (creare de con\u0163inut, gaming, freelancing) sau independente, cum sunt medita\u0163iile. Acest rezultat indic\u0103 o schimbare de mentalitate: liceenii nu mai v\u0103d banii doar ca pe o resurs\u0103 primit\u0103, ci deja ca pe ceva ce poate fi c\u00e2\u015ftigat \u015fi gestionat de ei \u00een\u015fi\u015fi, dup\u0103 cum reiese din studiul men\u0163ionat realizat de BCR \u2013 \u015ecoala de Bani \u015fi FinZoom \u00een contextul Zilei Educa\u0163iei Financiare.<\/p>\n
De\u015fi mai pu\u0163in de o treime dintre elevii de liceu economisesc regulat (27%), interesul lor pentru acest obicei este \u00een cre\u015ftere. \u00cen plus, aproape jum\u0103tate dintre ace\u015ftia (47%) consider\u0103 c\u0103 integrarea educa\u0163iei financiare \u00een \u015fcoal\u0103 sau \u00eenv\u0103\u0163area non-formal\u0103 (workshopuri, evenimente) i-ar ajuta s\u0103-\u015fi \u00eembun\u0103t\u0103\u0163easc\u0103 rela\u0163ia cu banii, se mai arat\u0103 \u00een cercetarea men\u0163ionat\u0103.<\/p>\n
Bugetele lunare ale adolescen\u0163ilor sunt, de cele mai multe ori, \u00eentre 100 \u015fi 300 de lei (31%) sau \u00eentre 300 \u015fi 600 de lei (26%). La poluri opuse, 10% dintre adolescen\u0163i dispun de sume sub 100 de lei, iar al\u0163i 10% opereaz\u0103 cu bugete care dep\u0103\u015fesc 1000 de lei.<\/p>\n
Indiferent de op\u0163iuni, alegerile \u00een ceea ce prive\u015fte cheltuielile reflect\u0103 un echilibru \u00eembucur\u0103tor \u00eentre nevoi \u015fi dorin\u0163e: banii sunt direc\u0163iona\u0163i \u00een principal c\u0103tre snack-uri \u015fi cafea, haine, ie\u015firi \u015fi produse de \u00eengrijire (65%), dar \u015fi c\u0103tre educa\u0163ie sau economii (17%).<\/p>\n
Faptul c\u0103 economisirea apare deja printre priorit\u0103\u0163i, chiar dac\u0103 nu dominant, arat\u0103 c\u0103 ideea de planificare financiar\u0103 \u00eencepe s\u0103 prind\u0103 contur \u00eenc\u0103 din adolescen\u0163\u0103.<\/p>\n
\u201eConcluziile cercet\u0103rii ne bucur\u0103 \u015fi valideaz\u0103 ceea ce am \u00eenv\u0103\u0163at \u00een cei 10 ani de \u015ecoala de Bani, programul nostru na\u0163ional de educa\u0163ie financiar\u0103: tinerii din ziua de azi vor s\u0103 fie educa\u0163i financiar \u015fi sunt interesa\u0163i s\u0103 \u00eenve\u0163e cum s\u0103-\u015fi administreze mai bine bugetul \u2013 fie c\u0103 vorbim de banii primi\u0163i de la familie sau de primul lor salariu. Faptul c\u0103 aproape o treime dintre adolescen\u0163ii rom\u00e2ni economisesc cu regularitate ne arat\u0103 c\u0103 tinerii dezvolt\u0103 deja obiceiuri echilibrate, iar asta ne d\u0103 \u00eencredere \u00een urm\u0103toarea genera\u0163ie de adul\u0163i responsabili cu banii\u201d, spune Nicoleta Deliu-Pa\u015fol, head of communication & CSR, BCR.<\/p>\n
Studiul eviden\u0163iaz\u0103 un aspect esen\u0163ial: majoritatea liceenilor declar\u0103 c\u0103 economisesc, \u00eens\u0103 nu neap\u0103rat constant. Economiile sunt realizate mai degrab\u0103 ocazional sau pentru obiective specifice: ob\u0163inerea permisului auto (21%), finan\u0163area studiilor (15%) sau achizi\u0163ia unui telefon (10%). Doar o parte dintre elevi reu\u015fesc s\u0103 economiseasc\u0103 regulat (27%), economisirea fiind perceput\u0103 mai degrab\u0103 ca un mijloc pentru atingerea unor obiective, dec\u00e2t ca un obicei financiar recurent.<\/p>\n
De\u015fi, pentru liceeni, un job part-time r\u0103m\u00e2ne principala metod\u0103 de a-\u015fi \u00eembun\u0103t\u0103\u0163i situa\u0163ia financiar\u0103 (29%), tot mai mul\u0163i dintre ei consider\u0103 c\u0103 educa\u0163ia financiar\u0103 le poate oferi mai mult\u0103 stabilitate. \u00cen acela\u015fi timp, 19% dintre ei sus\u0163in c\u0103 i-ar ajuta integrarea educa\u0163iei financiare \u00een \u015fcoal\u0103, iar 28% sunt deschi\u015fi c\u0103tre \u00eenv\u0103\u0163are non-formal\u0103 (workshopuri \u015fi evenimente, informa\u0163ii despre economisire \u015fi investi\u0163ii).<\/p>\n
Rezultatele confirm\u0103 c\u0103 tinerii nu doar c\u0103 sunt interesa\u0163i de bani, ci \u00ee\u015fi doresc activ s\u0103 \u00eenve\u0163e cum s\u0103 \u00eei gestioneze corect.<\/p>\n
Studiul a fost realizat pe un e\u015fantion de aproape 1.400 de liceeni, cu sprijinul Clubului Interact Pipera \u015fi al Editurii Corint \u015fi prezint\u0103 atitudinile fa\u0163\u0103 de bani ale Gen Z \u015fi preocup\u0103rile legate de gestionarea responsabil\u0103 a banilor.<\/p>\n
\u00a0<\/p>\n<\/div>\n
[analyse_source url=”https:\/\/www.zf.ro\/banci-si-asigurari\/studiu-bcr-educatie-financiara-genz-liceenii-depind-continuare-mult-23125187″]<\/p>\n","protected":false},"excerpt":{"rendered":"
[analyse_image type=”featured” src=”https:\/\/storage0.dms.mpinteractiv.ro\/media\/1\/1481\/22466\/23125187\/1\/2849285-publimedia-shutterstock.jpghttps:\/\/storage0.dms.mpinteractiv.ro\/media\/1\/1481\/22466\/23125187\/1\/2849285-publimedia-shutterstock.jpg”] Liceenii depind \u00een continuare \u00een mare m\u0103sur\u0103 de sprijin financiar \u2013 fie sub form\u0103 de bani de buzunar primi\u0163i regulat de la familie (24%), fie prin aloca\u0163ia de la stat (18%) sau prin burse \u015fcolare (17%), potrivit studiului na\u0163ional \u201eMoneyMind \u2013 Cum g\u00e2ndesc liceenii despre bani\u201d, care analizeaz\u0103 comportamentele financiare ale adolescen\u0163ilor […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[89],"tags":[226,28],"class_list":["post-1883516","post","type-post","status-publish","format-standard","hentry","category-romania","tag-crawlmanager","tag-zf-ro"],"_links":{"self":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/1883516","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1883516"}],"version-history":[{"count":0,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/1883516\/revisions"}],"wp:attachment":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1883516"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1883516"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1883516"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}