In many African countries where malaria is endemic, this life-threatening disease is a leading cause of death. What role does education, in particular numeracy and literacy, play in malaria prevention and treatment-seeking? In this study we apply a birth cohort approach, which allows us to cover...

We study the lasting repercussions of the 1918 influenza (‘Spanish Flu’) pandemic on healthmeasures and literacy rates in Sao Paulo, Brazil, the most populous city in South Americatoday, but significantly poorer a century ago. Leveraging temporal and spatial variation indistrict-level...

Outstanding student debt has almost doubled in the past decade to over $1.7 trillion. Delayed graduation contributes to the student debt burden by increasing tuition payments without any additional wage premium. Behavioral theory suggests that young adults are prone to biases limiting their...

Financial technology is a powerful tool in financial infrastructure, used to strengthen and smooth the delivery of financial services into the broader space. Financial technology involves software, applications, and other technologies designed to improve and automate traditional forms of...

Purpose - This study aims to develop a valid and reliable Islamic financial literacy (IFL) scale that can capture all the segments of the Islamic financial sectors and which could be considered applicable for all jurisdictions across the globe. Design/methodology/approach - To build the measure,...

We show that financial advisors recommend more costly products to female clients, based on minutes from about 27,000 real-world advisory meetings and client portfolio data. Funds recom-mended to women have higher expense ratios controlling for risk, and women less often receive rebates on...

Information campaigns aimed at empowering the poor often fall short of meeting their desired aims. We study literacy's role in determining their efficacy. First, exploiting an RD design, we show that receipt of information increased household rice receipts by 30 percentage points. Second, we...

The paper is devoted to the issue of tax literacy, where the aim is to identify factors that affect the level of tax literacy of students of economics at the bachelor's degree level in the Czech Republic. Through a questionnaire survey, students' knowledge was tested and research hypotheses were...

In this paper, we evaluate the effect of the literacy hour in English primary schools on pupil attainment. The National Literacy Project (NLP) was undertaken in about 400 English primary schools in 1997 and 1998. We compare the reading and overall English attainment of children in NLP schools as...

This paper uses data from the 1996 Australian Survey of Aspects of Literacy to examine the effects on labor market outcomes of literacy, numeracy and educational attainment. The survey includes a range of literacy and numeracy variables that are highly inter-correlated. A "general to specific"...

The low level of health literacy skills often found in elderly people has been associated with a significant risk of poor access to health services and poor health status and makes it more likely that they will be prevented from obtaining and understanding the basic health information and...

This study focused on an assessment of the viewing and representing skills of English language teachers in public and private secondary schools in Ekiti state. This study adopted the descriptive research of the survey type. A multistage procedure was used in randomly selecting four hundred and...

The 2008 and 2020 crises reinvigorated discussions on the democratization of finance. Peer-to-peer (P2P) lending is a valuable option worldwide, but credit risk is high. To encourage investors, P2P platforms use blockchain and the option of crypto as collateral. This study examines lender views...

Financial literacy education is one of lifelong assets that every individual needs to function and fit well in modern-day society. It provides the financially savvy better decision making, best investment alternatives and family wellbeing. Unfortunately, consumers appear less active and less...

Tax systems are complex structures that can be difficult for individuals to navigate. Understanding the way taxes are calculated and liabilities are assessed matters a lot when personal saving for retirement and education, and much of the government's social policy apparatus, are closely...

In the mid 19th century, pre-colonial Korea under the Joseon dynasty was increasingly isolated and lagging behind in its economic development. Joseon Korea was forced to sign unequal treaties with foreign powers as a result of which Christian missionaries entered the country and contributed to...

In the context of strikingly low literacy rates among Indian women and low caste population, the paper explores whether and how far the interests of the marginalized poor are undermined by the dominant elite consisting mainly of the landed and the capitalists. We distinguish the dominant elite...

Background: There is a theory-praxis gap related to health literacy interventions focused on non-communicable diseases (NCD) among young people. We designed a NCD curriculum and investigated its’ effect on health literacy in non-medical, non-nursing college students in India. We deliberately...

During industrialization, Protestants were more literate than Catholics. This paper investigates whether this fact may be led back to the intrinsic motivation of Protestants to read the bible and whether other education motives were involved as well. We employ a historical data set from...

Max Weber attributed the higher economic prosperity of Protestant regions to a Protestant work ethic. We provide an alternative theory, where Protestant economies prospered because instruction in reading the Bible generated the human capital crucial to economic prosperity. County-level data from...

How much do sins visited upon one generation harm that generation's future sons, daughters, grandsons and granddaughters? I study this question by comparing outcomes for former slaves and their children and grandchildren to outcomes for free blacks (pre-1865), and their children and...

In the mid 19th century, pre-colonial Korea under the Joseon dynasty was increasingly isolated and lagging behind in its economic development. Joseon Korea was forced to sign unequal treaties with foreign powers as a result of which Christian missionaries entered the country and contributed to...

This paper presents standardised test scores results in literacy from 19 provincial and international surveys in education conducted over years 2000 to 2018. The analysis draws on students in provinces, mainly Québec and Ontario, at three stages of education, grade 4 in primary school, grade 8...

This report considers the science of adult literacy acquisition, with the goal of identifying principles that may improve the effectiveness of adult literacy programs. We define literacy as a continuum, from emerging literacy, through improving literacy, to fluent literacy and we outline the...

Many growth analysts have argued that more equal patterns of landownership and the supremacy of industry over agriculture were associated with the rise of mass public education systems during the late eighteenth and early nineteenth centuries. The theoretical framework of this argument relies...