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Financial Literacy

noun | [ fi-nan-shuhl ] [ lit-er-uh-see ]

Financial Literacy means having the knowledge, skills, values and habits needed to successfully manage money at the personal and family level. It includes earning, spending, saving, borrowing and investing responsibly. If we are financially empowered and capable, we are better equipped to realize our full potential.

Financial Literacy enables us to make sensible financial choices, work confidently towards our financial goals, be aware of financial risks and opportunities, plan realistically for the future, respond to life events that affect our everyday financial decisions and know where to seek help from, on matters related to money.

Financial Literacy In Action

The person will be able to

  • Recognise the role of money in their lives and in the larger society.
  • Demonstrate an ability to manage expenses from their weekly or monthly allowance and generate savings.
  • Demonstrate the ability to plan and wait rather than give in to impulse buying.
  • Lend and borrow money in responsible ways.
  • Analyse investment plans by putting down the short and long term benefits of a scheme.
  • Define insurance and explain its purpose – personal as well as business.
  • Generate awareness with respect to the use and abuse of credit cards.

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Financial Literacy

noun | [ fi-nan-shuhl ] [ lit-er-uh-see ]

Financial Literacy means having the knowledge, skills, values and habits needed to successfully manage money at the personal and family level. It includes earning, spending, saving, borrowing and investing responsibly. If we are financially empowered and capable, we are better equipped to realize our full potential.

Financial Literacy enables us to make sensible financial choices, work confidently towards our financial goals, be aware of financial risks and opportunities, plan realistically for the future, respond to life events that affect our everyday financial decisions and know where to seek help from, on matters related to money.

Financial Literacy In Action

The person will be able to

  • Recognise the role of money in their lives and in the larger society.
  • Demonstrate an ability to manage expenses from their weekly or monthly allowance and generate savings.
  • Demonstrate the ability to plan and wait rather than give in to impulse buying.
  • Lend and borrow money in responsible ways.
  • Analyse investment plans by putting down the short and long term benefits of a scheme.
  • Define insurance and explain its purpose – personal as well as business.
  • Generate awareness with respect to the use and abuse of credit cards.

Feedback

We invite you to share your feedback and comments on the LSC India Glossary. We are very keen to hear your ideas and suggestions as we continue to make the India Glossary better and more relevant. Write to us

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आर्थिक साक्षरता

वैयक्तिक आणि कौटुंबिक पातळीवर यशस्वीरित्या पैशाचे व्यवस्थापन करण्यासाठी गरजेचे असलेले ज्ञान, कौशल्ये, मूल्ये आणि सवयी असणे म्हणजे आर्थिक साक्षरता होय. यात कमावणे, खर्च करणे, बचत, कर्ज घेणे, जबाबदारीने गुंतवणूक करणे यांचा समावेश असतो. आपण जर आर्थिकरीत्या सक्षम आणि समर्थ असलो तर आपली संपूर्ण क्षमता प्रत्यक्षात उपयोगी आणण्यासाठी सदैव तत्पर असतो.

आर्थिक साक्षरता आपल्याला समजदारीने आर्थिक निवड करायला, आर्थिक ध्येयपूर्ती साठी आत्मविश्वावासाने काम करायला, आर्थिक जोखीम आणि संधी याप्रती जागरुक राहायला, भविष्यासाठी वास्तववादी राहून नियोजन करायला, दैनंदिन पातळीवरील आर्थिक निर्णयांना प्रभावित करणाऱ्या आयुष्यातील घटनांवर प्रतिक्रिया द्यायला आणि आर्थिक बाबींच्या संदर्भात मदत कुठून मिळवायची आहे,त्याविषयीचे स्रोत माहीत करून घेण्यासाठी सक्षम करते.

आर्थिक साक्षरता या कौशल्याची व्यवहारातील अभिव्यक्ती

हे कौशल्य आत्मसात केलेली व्यक्ती पुढील गोष्टी करण्यासाठी सक्षम झालेली दिसते.

  • आपल्या आयुष्यात आणि मोठ्या सामाजिक स्तरावर असणारी पैशाची भूमिका लक्षात घेणे.
  • आपल्या आठवड्याच्या किंवा महिन्याच्या भत्त्यातून खर्चाचे व्यवस्थापन करण्याची क्षमता आणि बचतीत वाढ करणे.   
  • अनावश्यक खरेदी करण्यापेक्षा नियोज पूर्वक खरेदी करण्याचा निर्णय घेण्याची क्षमता दर्शविणे.
  • पैसे उसने घेणे आणि देणे हे व्यवहार जबाबदारीने करणे.
  • एखाद्या योजनेचे अल्पकालीन आणि दीर्घकालीन फायदे लिहून काढून गुंतवणूकीच्या योजनेचे विश्लेषण करणे.
  • विम्याची व्याख्या करणे आणि त्याचा हेतू स्पष्ट करणे -( वैयक्तिक तसेच व्यावसायिक)
  • क्रेडीट कार्ड्सचा (आगाऊ पैसे उपलब्ध करून देणारे कोणतेही माध्यम) वापर आणि दुरुपयोग यासंदर्भात जागरुकता निर्माण करणे.

इतर भाषांतील समानार्थी शब्द

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Sum leh pai hriatthiamna

Sum leh pai hriatthiamna (Financial Literacy) chu mimalah leh chhungkuaa sum leh pai enkawl tura thiamna ngai te, hmangchang leh dan tangkai te, chin dan phung tha neih hi a ni. Sum lakluh, hman chhuah, khawl leh pukte pei pun thlengin a huam a ni. Sum leh paiah kan intodelh chuan kan chakna leh theihna te tha takin a par chhuak thei thin a ni.

Sum leh pai hriatthiamna (Financial Literacy) hian sum leh pai enkawl kawngah thu tlukna dik siam te, tum ram kan thlen theih nan te, hamthatna awm thei leh venthawn tur awm thei te lo hriatthiam lawk a tha. Tin, hma hun  a tana lo in buatsaih lawk leh kan nitin sum leh pai che vel kan thunun thiam a, khawi atanga pur chawk tur nge tih kan hmuh thiam theih nan te min pui a ni.

Sum leh pai hriatthiamna hman chhuah dan

Miin hengte hi a lan chhuah tir thei tur a ni

  • Mimalah leh chen hona a sum pawimawh na hriat chian
  • Kar tin emaw thla tin emaw a mamawh tur chhut thiam a, sum renchem leh khawl.
  • Sum khawhral pur pur lo zawnga thil lei tur te ruahmanna fel fai tak nen a nghah
  • Sum puk leh bat chungvhanga rinawm.
  • Sum peipunna reng reng zir chian a , chhenfakawm tur thliar thiam
  • Insurance (Chhiat thulha lukhawng nei tura pawisa dahkham) awm thei te hriatchian a, a tangkaina te mimal leh sumdawnna atana hman tangkai
  • Credit Cards hman dan leh hmansual theihdan hriatchian

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Ruahmanna kan tih hian hma lam thlir a hna tha taka chhunzawm tur leh tum ram thlen theihna atana rilru neih hi a ni a. Chiang leh hlawhchhuah theih ngei tur tum ram

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Mahni theihna hriatchian (Self-Efficacy) chu kan hmalam a chona awm hmachhawn leh tihtur pawh hlen thei tura kan theihna a rinna kan nghah ngamna hi a ni. Kan phurna,

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Mawhphurhna (Responsibility) chuan kan tihtur leh pawimawhna hriatna te, mimal leh midangte nena nunho naah keimahni a a tha ber lanchhuahtir a kawk. Mawhphurhna kan tih hian mamawhna mil

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Paukhauhna (Resilience) kan tih chu kan nihna ang tak a ding chang thei tur a daglamna hma ah pawh a nghet tak a din a insiam rem a ni a. Buaina leh harsatna, hun

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Inkungkaihna siam thiam (Relationship Management) chu mimal emaw a huho pawh a mi chi hrang hrang leh in ang lo tak takte kan mimal nunah leh kan hna thawhna ah

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वित्तीय साक्षरता / धन का सही उपयोग

वित्तीय साक्षरता  व्यक्तिगत तथा पारिवारिक स्तर पर ज्ञान, कौशल, मूल्यों तथा अच्छी आदतों का निर्माण कर पैसों का प्रबंधन करना सिखाती है यह कौशल जिम्मेदारीपूर्वक कमाई, खर्च, बचत करना, उधार लेना और निवेश करना सिखाती है। यदि हम आर्थिक रूप से सशक्त और समर्थ है तो हम अपनी पूरी क्षमता का इस्तेमाल करने के लिए सजग व समर्थ  होंगे    

वित्तीय साक्षरता हमें उचित विकल्प लेने में, आर्थिक लक्ष्य पूर्ति करने के लिए, आर्थिक जोखिम तथा सही मौके के प्रति जागरूक रहने में, भविष्य के लिए वास्तविक स्तर पर योजना बनाने में, जीवन की अनपेक्षित घटनाएँ जो हमारे आर्थिक निर्णयों को प्रभावित करती है उनके प्रति जागरूक रहने में, तथा आर्थिक सुरक्षा के लिए कहाँ से मदद लेनी चाहिएइन सभी बातों के लिए यह कौशल कारगर है।

वित्तीय साक्षरता / धन का सही उपयोग इस कौशल के व्यवहार में

व्यक्ति यह करने में सक्षम हो सकेगा :
• समाज तथा अपने जीवन में पैसों की भूमिका को समझ पाएगा ।
• साप्ताहिक तथा मासिक आय में से खर्चों का प्रबंध कर बचत कर पाएगा ।
• अनियोजित खरीददारी के बजाय खरीददारी के लिए अच्छें अवसरों की प्रतीक्षा कर पाएगा ।
• जिम्मेदारीपूर्वक पैसे उधार दे सकेगा और ले सकेगा ।
• लंबे तथा छोटे काल की योजनाओं में निवेश करते समय योजनाओं के फायदे नुकसान का विश्लेषण कर सकेगा ।
• व्यक्तिगत तथा व्यापार के स्तर पर बीमा योजना की व्याख्या कर उसे स्पष्ट कर पाएगा ।
• क्रेडिट कार्ड के सदुपयोग व दुरुपयोग के प्रति जागरूक रह पाएगा ।

ये रूप में भी जाना जाता है:

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संख्यात्मक काम पर और सामान्य रूप से समाज में कार्य करने के लिए आवश्यक स्तर पर गणित का उपयोग करने, गणितीय जानकारी को समझने और उपयोग करने, गणितीय जानकारी की गणना तथा जोड़-

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सामाजिक जागरूकता धर्म, जाति, लिंग, सामाजिक-आर्थिक स्तर, भौगोलिक स्थान आदि विविध पृष्ठभूमि से जुड़े हुए लोगों के साथ संबंध बनाने तथा उनके  साथ काम करने की योग्यता  है । यह योग्यता अपने

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मीडिया साक्षरता, प्रिंट एवं इलेक्ट्रॉनिक मीडिया सामाग्री को गहनता से समझने, विश्लेषण करने तथा व्याख्या करने की योग्यता है । इसम विभिन्न रुप में मीडिया सामग्री तक पहुंचने, उपयोग करने और यह

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अपनी मूलभूत पहचान को बनाये रखते हुए बदलाव को स्वीकारना एवं उसके साथ समायोजित तथा रूपांतरित होने की योग्यता ही जीवन में लचीलापन कौशल है । कष्ट, मानसिक आघात, असफलता, धमकी,

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उपाय कुशलता नयी और अलग परिस्थितियों में स्वयं समायोजित करने, रचनात्मक सोचने, हल/ समाधान खोजना और उपलब्ध संसाधनों  का उचित उपयोग करना का कौशल है। यह क्षमता हमें हमारे लक्ष्यों

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