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- W849450489 abstract "Financial literacy is perceived as important and yet what does the term financial literacy actually mean? An exploration of literature examining aspects of individuals'financial literacy in particular contexts found a conceptualisation to be absent despitethe term being adopted widely. This study addressed this omission and sought aconceptualisation of financial literacy. A reflexive, ethnographic approach wasadopted for this exploratory study which examined the experiences of schoolgovernors. The study explored a proposed model of financial literacy as a meaningmakingprocess.A conceptualisation of financial literacy as a sense-making process is offered latterly,where financial literacy is conceptualised as a process involving individualsconstructing and making informed decisions with financial consequences. The aim ofindividuals taking these decisions is to achieve desired outcomes. Theconceptualisation is necessarily offered tentatively as a result of the exploratorynature of the study.Acceptance of the conceptualisation offered requires serious revisions in the wayfinancial literacy is currently understood. This thesis argues that financial literacy is aconstruct relevant to the social world which is characterised by equivocality andambiguity. The governors in this study engaged in sense-making in order to make theenvironment sensible. This required governors to seek plausible solutions rather than accurate ones, although there was little evidence to support the view that theyrecognised this. Financial literacy has previously been concerned with accuracy,rather than plausibility. This thesis argues that it is time for a new era for financialliteracy where financial literacy is conceptualised as a sense-making process seekingplausibility rather than accuracy in environments characterised by ambiguity andequivocality.The usefulness of the conceptualisation of financial literacy offered in this thesis is inneed of ffirther exploration. The relationship between financial literacy and otherterms, such as financial awareness and financial capability, was found to be poorlyunderstood and in need of further clarification." @default.
- W849450489 created "2016-06-24" @default.
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- W849450489 date "2003-01-01" @default.
- W849450489 modified "2023-09-27" @default.
- W849450489 title "Conceptualising financial literacy : an ethnographic study of school governors" @default.
- W849450489 hasPublicationYear "2003" @default.
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