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The Impact of High School Financial Education : Experimental Evidence from Brazil

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dc.contributor.author de Souza Leao, Luciana
dc.contributor.author Bruhn, Miriam
dc.contributor.author Marchetti, Rogelio
dc.contributor.author Legovini, Arianna
dc.contributor.author Zia, Bilal
dc.date.accessioned 2014-02-05T19:30:26Z
dc.date.available 2014-02-05T19:30:26Z
dc.date.issued 2013-12
dc.identifier.uri http://hdl.handle.net/10986/16940
dc.description.abstract This paper studies the impact of a comprehensive financial education program spanning six states, 868 schools, and approximately 20,000 high school students in Brazil through a randomized control trial. The program increased student financial knowledge by a quarter of a standard deviation and led to a 1.4 percentage point increase in saving for purchases, better likelihood of financial planning, and greater participation in household financial decisions by students. "Trickle-up" impacts on parents were also significant, with improvements in parent financial knowledge, savings, and spending behavior. The study also finds evidence that the program affected students' inter-temporal preferences and attitudes. en
dc.language English
dc.language.iso en_US
dc.publisher World Bank, Washington, DC
dc.relation.ispartofseries Policy Research Working Paper;No. 6723
dc.rights CC BY 3.0 IGO
dc.rights.uri http://creativecommons.org/licenses/by/3.0/igo/
dc.subject FINANCIAL EDUCATION COURSE
dc.subject VALUABLE
dc.subject FINANCIAL BEHAVIOR
dc.subject BORROWING MONEY
dc.subject LITERACY COURSE
dc.subject REGULAR CURRICULUM
dc.subject UNIVERSITY STUDENTS
dc.subject SCHOOL MARKET
dc.subject KNOWLEDGE TEST
dc.subject ACADEMIC LEARNING
dc.subject PERSONAL BANKRUPTCY
dc.subject PRODUCTIVITY
dc.subject FINANCIAL MATTERS
dc.subject FINANCIAL EDUCATION IN SCHOOLS
dc.subject SECONDARY SCHOOL STUDENT
dc.subject INSTRUCTION
dc.subject PRIVATE INSTITUTIONS
dc.subject DEBT
dc.subject EDUCATION AGENDA
dc.subject TAKE-UP RATES
dc.subject PUBLIC ECONOMICS
dc.subject MINISTRY OF EDUCATION
dc.subject ATTENDANCE RATES
dc.subject COMPLETION RATES
dc.subject FINANCIAL SECTOR
dc.subject SCHOOL LEVEL
dc.subject SCHOOLING
dc.subject CONSUMER
dc.subject BALANCED BUDGET
dc.subject SCHOOL DROPOUT
dc.subject FINAL GRADE
dc.subject PENSION
dc.subject LITERATURE
dc.subject FINANCIAL MARKET
dc.subject EDUCATION REFORM
dc.subject INTEREST CHARGES
dc.subject TEXTBOOKS
dc.subject FINANCIAL EDUCATION MATERIAL
dc.subject EXCHANGE COMMISSION
dc.subject ATTENDANCE RATE
dc.subject LEARNING OPPORTUNITIES
dc.subject QUESTIONNAIRES
dc.subject LIFE SKILL
dc.subject BUDGETING
dc.subject FINANCIAL LITERACY TEST
dc.subject LEARNING
dc.subject CIVIL SOCIETY
dc.subject SCHOOL YEARS
dc.subject SCHOOL EDUCATION
dc.subject REPETITION RATES
dc.subject FINANCIAL HABITS
dc.subject ADMINISTRATIVE DATA
dc.subject BANKS
dc.subject FINANCIAL EDUCATION PROGRAMS
dc.subject CURRICULUM
dc.subject SCHOOLS
dc.subject FINANCIAL EDUCATION MATERIALS
dc.subject NUMBER OF TEACHERS
dc.subject FINANCIAL EDUCATION MANDATES
dc.subject FINANCIAL EDUCATION FOR YOUTH
dc.subject TEACHING
dc.subject DROPOUT RATE
dc.subject FINANCIAL DECISIONS
dc.subject RESEARCH ASSISTANCE
dc.subject BUSINESS SCHOOL
dc.subject FINANCE STUDENT
dc.subject PUBLIC GOODS
dc.subject SENIOR
dc.subject BORROWING
dc.subject FINANCIAL EXPERIENCES
dc.subject PENSIONS
dc.subject INTEREST RATES
dc.subject CONTRIBUTION
dc.subject CONSUMER PROTECTION
dc.subject HEALTH EDUCATION
dc.subject SOUND FINANCIAL DECISIONS
dc.subject FINANCIAL CRISIS
dc.subject CREDIT CARD
dc.subject SCHOOL PRINCIPALS
dc.subject PRIMARY SCHOOLS
dc.subject AWARENESS OF FINANCIAL ISSUES
dc.subject FINANCIAL DECISION
dc.subject INSURANCE
dc.subject FINANCIAL EDUCATION LITERATURE
dc.subject QUESTIONNAIRE
dc.subject OPEN ACCESS
dc.subject HOUSEHOLD FINANCE
dc.subject GRADUATION RATE
dc.subject FINANCIAL INDEPENDENCE
dc.subject ACHIEVEMENT TESTS
dc.subject MONEY MATTERS
dc.subject SCHOOL YEAR
dc.subject KNOWLEDGE TESTS
dc.subject EDUCATION SYSTEMS
dc.subject FINANCIAL ISSUES
dc.subject LITERACY
dc.subject SAVINGS
dc.subject YOUNG ADULTS
dc.subject FINANCIAL KNOWLEDGE
dc.subject NUMBER OF SCHOOLS
dc.subject EDUCATION DEPARTMENTS
dc.subject STATE EDUCATION
dc.subject EXPENDITURES
dc.subject FINANCIAL LITERACY
dc.subject FAMILY FINANCES
dc.subject TYPES OF EDUCATION
dc.subject SECURITIES
dc.subject CONSUMERS
dc.subject BENEFICIARIES
dc.subject SCHOOL LOCATION
dc.subject FINANCIAL CRISES
dc.subject DROPOUT RATES
dc.subject LOW-INCOME
dc.subject FINANCIAL LITERACY PROGRAM
dc.subject SCHOOL CLUBS
dc.subject RETIREMENT PLANNING
dc.subject STUDENT LEARNING
dc.subject inter-temporal preferences
dc.subject SECONDARY EDUCATION
dc.subject SECONDARY SCHOOL
dc.subject COMPARISON SHOPPING
dc.subject EDUCATION POLICY
dc.subject SCHOOL PERFORMANCE
dc.subject TEACHER TRAINING
dc.subject STUDENT CURRICULUM
dc.subject RETIREMENT
dc.subject CURRICULA
dc.subject DELIVERY MECHANISMS
dc.subject STAKEHOLDERS
dc.subject STUDENT ACHIEVEMENT
dc.subject COMPUTERS IN EDUCATION
dc.subject YOUTH FINANCIAL LITERACY
dc.subject SAVINGS RATE
dc.subject HIGH SCHOOL FINANCIAL EDUCATION
dc.subject ADOLESCENTS
dc.subject COMPREHENSIVE FINANCIAL EDUCATION
dc.subject LIFETIME
dc.subject EMPLOYMENT
dc.subject SECONDARY SCHOOLS
dc.subject INVESTING
dc.subject SCHOOL PROGRAM
dc.subject SECONDARY SCHOOL CURRICULUM
dc.subject LABOR MARKET
dc.subject FINANCIAL PRODUCTS
dc.subject PAPERS
dc.subject CLASSROOMS
dc.subject CASH TRANSFER
dc.subject FINANCIAL CURRICULUM
dc.subject HIGH SCHOOL STUDENTS
dc.subject BASIC KNOWLEDGE
dc.subject FINANCIAL SKILLS
dc.subject INTERACTIVE CLASSROOM
dc.subject STUDENT GRADUATION RATES
dc.subject MONEY MANAGEMENT
dc.subject SCHOOL PROGRAMS
dc.subject HIGH SCHOOL
dc.subject ACADEMIC YEAR
dc.subject SAVINGS ACCOUNT
dc.subject FINANCIAL ASSISTANCE
dc.subject FINANCIAL OUTCOMES
dc.subject FAMILY LIFE
dc.subject STOCK EXCHANGE
dc.subject SCHOOL SYSTEMS
dc.subject EDUCATORS
dc.subject LOAN
dc.subject MONTHLY EXPENSES
dc.subject FINANCIAL LIVES
dc.subject INCOME
dc.subject NUMBER OF STUDENTS
dc.subject FINANCIAL ASPECTS
dc.subject TEXTBOOK
dc.subject ACADEMIC PERFORMANCE
dc.subject SCHOOL DISTRICT
dc.subject SAVINGS BEHAVIOR
dc.subject SECONDARY SCHOOL STUDENTS
dc.subject PURCHASES
dc.subject COMPARISON SHOPS
dc.subject FINANCIAL LITERACY PROGRAMS
dc.subject MONETARY INCENTIVES
dc.subject FINANCIAL CONCEPTS
dc.subject FINANCIAL BEHAVIORS
dc.subject FINANCIAL EDUCATION CURRICULUM
dc.subject SCHOOL TEACHERS
dc.subject FINANCIAL INSTITUTIONS
dc.subject INFLATION
dc.subject randomized control trial
dc.subject TEACHER
dc.subject PUBLIC SCHOOLS
dc.subject DISADVANTAGED HOUSEHOLDS
dc.subject ADULT EDUCATION
dc.subject STUDENT BACKGROUND CHARACTERISTICS
dc.subject DIVERSIFICATION
dc.subject DISTANCE EDUCATION
dc.subject ADULT FINANCIAL EDUCATION
dc.subject HIGHER GRADES
dc.subject FINANCIAL SERVICES
dc.subject FINANCIAL LITERACY TESTS
dc.subject FINANCIAL EDUCATION PROGRAM
dc.subject INTEREST RATE
dc.subject HIGH SCHOOLS
dc.subject FINANCIAL LITERACY TRAINING
dc.subject STUDENT PARTICIPATION
dc.subject UNIVERSITIES
dc.subject ACADEMIC PROGRESS
dc.subject FINANCIAL TRAINING
dc.subject MATH
dc.subject COMPUTER SIMULATIONS
dc.subject FINANCIAL LEARNING
dc.subject TEACHERS
dc.subject FINANCIAL EDUCATION WORKSHOPS
dc.subject MATHEMATICS
dc.subject EDUCATION EXPERTS
dc.subject SCHOOL FINANCE
dc.title The Impact of High School Financial Education : Experimental Evidence from Brazil en
dc.rights.holder World Bank


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