Preprint Article Version 1 Preserved in Portico This version is not peer-reviewed

Financial Literacy: The Case of Poland

Version 1 : Received: 21 December 2019 / Approved: 23 December 2019 / Online: 23 December 2019 (12:30:54 CET)

A peer-reviewed article of this Preprint also exists.

Swiecka, B.; Yeşildağ, E.; Özen, E.; Grima, S. Financial Literacy: The Case of Poland. Sustainability 2020, 12, 700. Swiecka, B.; Yeşildağ, E.; Özen, E.; Grima, S. Financial Literacy: The Case of Poland. Sustainability 2020, 12, 700.


Financial literacy is a path to sustainability and has an important role in ensuring the financial sustainability of individuals, families, enterprises and national economies. The level of these economic indicators such as debt, payment discipline, savings and financial management all translate into prosperity or insolvency and bankruptcy and result partially from financial literacy. The higher the level of financial literacy, especially of young people, the more favorable the level of economic indicators, which translates into the economy and sustainable development. However, despite many years of research, there is still a lack of a uniform and coherent definition of financial literacy, as well as methods for measuring it. This study offers a small step forward, presenting the authors’ own view of the concept of financial literacy, the conceptualizations of financial literacy and methods used for investigating. Moreover, they present the results of a survey conducted on the financial behaviour, financial attitudes, and financial knowledge of the Polish youth and compare this to a PISA study on 15-year-old students. Results demonstrate a good, and partially very good, level of financial literacy among young Poles, showing that they are rational in their financial decision making.


financial literacy; financial knowledge; household finance; young people


Business, Economics and Management, Finance

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