التوعية الادخارية و التثقيف المالي لدى عينة من الطلاب في المرحلة الثانوية و الجامعية الذين تتراوح أعمارهم بين 15-25 من وجهة نظر اقتصاديين و محاسبين : بحث تطبيقي في مديرية تربية البصرة

الملخص EN

This research emphasizes the importance of teaching savings awareness among students aged 15-25 years through strategies such as behavior modeling, motivating savings goals, and simplifying complex financial concepts.

overcoming the challenges young people face in saving money from their daily allowances requires a joint effort among parents, teachers and other stakeholders to develop effective programs that can promote good saving habits early in life.

the benefits of training students in financial management extend far beyond just managing personal finance.

financial education is an important part of achieving long-term financial success.

by learning about budgeting, saving, investing, credit, debt, and financial planning, you can control your money and achieve financial goals.

there are many resources available to help young people improve financial literacy, including online tools, websites, and financial advisors.

with the right knowledge and resources, you can build a solid foundation for achieving your desired financial future.

saving money plays an important role in achieving personal finance and various goals such as planning for retirement and establishing emergency funds.

and debt reduction among other things to ensure success.

by understanding these factors that influence saving behaviors, individuals can be better equipped to build their financial future successfully, and this is what the researchers reviewed in the theoretical aspect of the research.

as for the practical side of the research, the results of the research showed that the percentage of students wishing to save is around 60%, and the percentage of those who are not interested or willing to do this process was around 10%.

among the recommendations recommended by the two researchers is the need to implement the general directorate to adopt effective saving habits among young people (students), and there is a need to establish institutions such as schools, employers and other community organizations, and government policies must be put in place aimed at providing incentives through tax exemptions or available discounts only for those who have established good credit scores through prudent spending practices among the young class.