We examined levels of financial literacy (knowledge, attitudes, self-efficacy, and self-reported behavior) among 15-year-old high school students in the Netherlands (N=2025), and investigated which factors are associated with the different financial literacy components. Our findings show lower levels of financial literacy among students in the lowest track in high school, students with low mathematical ability, immigrant students, students with low SES, students with mothers without a university degree, and students who do not discuss financial matters with family and peers. Notably, our findings show a large gap in financial knowledge levels between the lowest and highest high-school tracks in the Netherlands. These findings are useful for designing effective financial education and intervention programs, and for identifying groups that may benefit the most from financial education programs.
The gendered achievement in physics always bothers high school teachers, especially when problem-solving learning is involved. The lag in female students’ learning achievement in physics is reflected by the low enrolment of females in physics-related subjects at grade 12. For years, the most common method adopted by teachers was to instruct female students using repetitious exercises.
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This study investigates the different effects of individual learning methods upon female and male students: learning with and without hints. It aims at exploring a way to narrow the gender gap in high physics education. Students were randomly assigned to the experimental and control group to solve the same problems. Quantitative and qualitative methodologies were used for this investigation. The questions were administered to 48 students (females=24, males=24) in Grade 11 in a high-school in Shanghai. We found that girls benefited more than males from individual learning with hints. Based on the results, some suggestions are presented.
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