{"id":"https://openalex.org/W2974862832","doi":"https://doi.org/10.17072/1994-9960-2019-2-313-331","title":"FINANCIAL LITERACY OF THE POPULATION:DEMOGRAPHIC FEATURES AND OPPORTUNITIES FOR IMPROVE(IN THE CASE STUDY OF VOLOGDA REGION)","display_name":"FINANCIAL LITERACY OF THE POPULATION:DEMOGRAPHIC FEATURES AND OPPORTUNITIES FOR IMPROVE(IN THE CASE STUDY OF VOLOGDA REGION)","publication_year":2019,"publication_date":"2019-01-01","ids":{"openalex":"https://openalex.org/W2974862832","doi":"https://doi.org/10.17072/1994-9960-2019-2-313-331","mag":"2974862832"},"language":"ru","primary_location":{"id":"doi:10.17072/1994-9960-2019-2-313-331","doi":"https://doi.org/10.17072/1994-9960-2019-2-313-331","is_oa":true,"landing_page_url":"https://doi.org/10.17072/1994-9960-2019-2-313-331","pdf_url":null,"source":{"id":"https://openalex.org/S4306538644","display_name":"\u0412\u0435\u0441\u0442\u043d\u0438\u043a \u041f\u0435\u0440\u043c\u0441\u043a\u043e\u0433\u043e \u0443\u043d\u0438\u0432\u0435\u0440\u0441\u0438\u0442\u0435\u0442\u0430. \u0421\u0435\u0440\u0438\u044f: \u042d\u043a\u043e\u043d\u043e\u043c\u0438\u043a\u0430","issn_l":"1994-9960","issn":["1994-9960","2658-624X"],"is_oa":true,"is_in_doaj":true,"is_core":false,"listed_in":["doaj","russia-white-list-2"],"host_organization":"https://openalex.org/P4310312696","host_organization_name":"Perm State University","host_organization_lineage":["https://openalex.org/P4310312696"],"host_organization_lineage_names":["Perm State University"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"\u0412\u0435\u0441\u0442\u043d\u0438\u043a \u041f\u0435\u0440\u043c\u0441\u043a\u043e\u0433\u043e \u0443\u043d\u0438\u0432\u0435\u0440\u0441\u0438\u0442\u0435\u0442\u0430 \u0421\u0435\u0440\u0438\u044f \u00ab\u042d\u043a\u043e\u043d\u043e\u043c\u0438\u043a\u0430\u00bb = Perm University Herald ECONOMY","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref","doaj"],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://doi.org/10.17072/1994-9960-2019-2-313-331","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5033780336","display_name":"Galina Vadimovna Belekhova","orcid":"https://orcid.org/0000-0002-6373-9043","observed_orcids":["https://orcid.org/0000-0002-6373-9043"]},"institutions":[{"id":"https://openalex.org/I1313323035","display_name":"Russian Academy of Sciences","ror":"https://ror.org/05qrfxd25","country_code":"RU","type":"government","lineage":["https://openalex.org/I1313323035"]}],"countries":["RU"],"is_corresponding":false,"raw_author_name":"Galina V. Belekhova","raw_affiliation_strings":["\u0412\u043e\u043b\u043e\u0433\u043e\u0434\u0441\u043a\u0438\u0439 \u043d\u0430\u0443\u0447\u043d\u044b\u0439 \u0446\u0435\u043d\u0442\u0440 \u0420\u043e\u0441\u0441\u0438\u0439\u0441\u043a\u043e\u0439 \u0430\u043a\u0430\u0434\u0435\u043c\u0438\u0438 \u043d\u0430\u0443\u043a"],"raw_orcid":"https://orcid.org/0000-0002-6373-9043","affiliations":[{"raw_affiliation_string":"\u0412\u043e\u043b\u043e\u0433\u043e\u0434\u0441\u043a\u0438\u0439 \u043d\u0430\u0443\u0447\u043d\u044b\u0439 \u0446\u0435\u043d\u0442\u0440 \u0420\u043e\u0441\u0441\u0438\u0439\u0441\u043a\u043e\u0439 \u0430\u043a\u0430\u0434\u0435\u043c\u0438\u0438 \u043d\u0430\u0443\u043a","institution_ids":["https://openalex.org/I1313323035"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5087288990","display_name":"Olga N. Kalachikova","orcid":"https://orcid.org/0000-0003-4681-4344","observed_orcids":["https://orcid.org/0000-0003-4681-4344"]},"institutions":[{"id":"https://openalex.org/I1313323035","display_name":"Russian Academy of Sciences","ror":"https://ror.org/05qrfxd25","country_code":"RU","type":"government","lineage":["https://openalex.org/I1313323035"]}],"countries":["RU"],"is_corresponding":false,"raw_author_name":"Olga N. Kalachikova","raw_affiliation_strings":["\u0412\u043e\u043b\u043e\u0433\u043e\u0434\u0441\u043a\u0438\u0439 \u043d\u0430\u0443\u0447\u043d\u044b\u0439 \u0446\u0435\u043d\u0442\u0440 \u0420\u043e\u0441\u0441\u0438\u0439\u0441\u043a\u043e\u0439 \u0430\u043a\u0430\u0434\u0435\u043c\u0438\u0438 \u043d\u0430\u0443\u043a"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"\u0412\u043e\u043b\u043e\u0433\u043e\u0434\u0441\u043a\u0438\u0439 \u043d\u0430\u0443\u0447\u043d\u044b\u0439 \u0446\u0435\u043d\u0442\u0440 \u0420\u043e\u0441\u0441\u0438\u0439\u0441\u043a\u043e\u0439 \u0430\u043a\u0430\u0434\u0435\u043c\u0438\u0438 \u043d\u0430\u0443\u043a","institution_ids":["https://openalex.org/I1313323035"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I1313323035"],"apc_list":null,"apc_paid":null,"fwci":1.2292,"has_fulltext":false,"cited_by_count":6,"citation_normalized_percentile":{"value":0.82394739,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":88,"max":96},"biblio":{"volume":"14","issue":"2","first_page":"313","last_page":"331"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.9955999851226807,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.9955999851226807,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.004000000189989805,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T14019","display_name":"Socioeconomic and Demographic Analysis","score":0.0,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/financial-literacy","display_name":"financial literacy","score":0.9980000257492065},{"id":"https://openalex.org/keywords/demographic-factors","display_name":"demographic factors","score":0.9810000061988831},{"id":"https://openalex.org/keywords/family-life-cycle","display_name":"family life cycle","score":0.9070000052452087},{"id":"https://openalex.org/keywords/household-budgeting","display_name":"household budgeting","score":0.7950000166893005},{"id":"https://openalex.org/keywords/consumption","display_name":"consumption","score":0.4300000071525574},{"id":"https://openalex.org/keywords/marital-status","display_name":"marital status","score":0.8159999847412109},{"id":"https://openalex.org/keywords/age","display_name":"age","score":0.42399999499320984},{"id":"https://openalex.org/keywords/presence-of-children","display_name":"presence of children","score":0.7860000133514404},{"id":"https://openalex.org/keywords/financial-well-being","display_name":"financial well-being","score":0.7310000061988831},{"id":"https://openalex.org/keywords/vologda-oblast","display_name":"Vologda Oblast","score":0.9330000281333923}],"concepts":[{"id":"https://openalex.org/C2777941463","wikidata":"https://www.wikidata.org/wiki/Q1416374","display_name":"Financial literacy","level":2,"score":0.8895657062530518},{"id":"https://openalex.org/C547764534","wikidata":"https://www.wikidata.org/wiki/Q8236","display_name":"Literacy","level":2,"score":0.498044490814209},{"id":"https://openalex.org/C2908647359","wikidata":"https://www.wikidata.org/wiki/Q2625603","display_name":"Population","level":2,"score":0.4588627815246582},{"id":"https://openalex.org/C2985709905","wikidata":"https://www.wikidata.org/wiki/Q1319035","display_name":"Adult literacy","level":3,"score":0.44434624910354614},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.44328078627586365},{"id":"https://openalex.org/C205649164","wikidata":"https://www.wikidata.org/wiki/Q1071","display_name":"Geography","level":0,"score":0.4307975769042969},{"id":"https://openalex.org/C50522688","wikidata":"https://www.wikidata.org/wiki/Q189833","display_name":"Economic growth","level":1,"score":0.3107072710990906},{"id":"https://openalex.org/C149923435","wikidata":"https://www.wikidata.org/wiki/Q37732","display_name":"Demography","level":1,"score":0.2732667326927185},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.2682800590991974},{"id":"https://openalex.org/C144024400","wikidata":"https://www.wikidata.org/wiki/Q21201","display_name":"Sociology","level":0,"score":0.2407691776752472},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.23737367987632751}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.17072/1994-9960-2019-2-313-331","doi":"https://doi.org/10.17072/1994-9960-2019-2-313-331","is_oa":true,"landing_page_url":"https://doi.org/10.17072/1994-9960-2019-2-313-331","pdf_url":null,"source":{"id":"https://openalex.org/S4306538644","display_name":"\u0412\u0435\u0441\u0442\u043d\u0438\u043a \u041f\u0435\u0440\u043c\u0441\u043a\u043e\u0433\u043e \u0443\u043d\u0438\u0432\u0435\u0440\u0441\u0438\u0442\u0435\u0442\u0430. \u0421\u0435\u0440\u0438\u044f: \u042d\u043a\u043e\u043d\u043e\u043c\u0438\u043a\u0430","issn_l":"1994-9960","issn":["1994-9960","2658-624X"],"is_oa":true,"is_in_doaj":true,"is_core":false,"listed_in":["doaj","russia-white-list-2"],"host_organization":"https://openalex.org/P4310312696","host_organization_name":"Perm State University","host_organization_lineage":["https://openalex.org/P4310312696"],"host_organization_lineage_names":["Perm State University"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"\u0412\u0435\u0441\u0442\u043d\u0438\u043a \u041f\u0435\u0440\u043c\u0441\u043a\u043e\u0433\u043e \u0443\u043d\u0438\u0432\u0435\u0440\u0441\u0438\u0442\u0435\u0442\u0430 \u0421\u0435\u0440\u0438\u044f \u00ab\u042d\u043a\u043e\u043d\u043e\u043c\u0438\u043a\u0430\u00bb = Perm University Herald ECONOMY","raw_type":"journal-article"},{"id":"pmh:oai:doaj.org/article:5768eb13efb7494b940ced38895d24d5","doi":null,"is_oa":true,"landing_page_url":"https://doaj.org/article/5768eb13efb7494b940ced38895d24d5","pdf_url":null,"source":{"id":"https://openalex.org/S4306401280","display_name":"DOAJ (DOAJ: Directory of Open Access Journals)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"\u0412\u0435\u0441\u0442\u043d\u0438\u043a \u041f\u0435\u0440\u043c\u0441\u043a\u043e\u0433\u043e \u0443\u043d\u0438\u0432\u0435\u0440\u0441\u0438\u0442\u0435\u0442\u0430: \u0421\u0435\u0440\u0438\u044f \u042d\u043a\u043e\u043d\u043e\u043c\u0438\u043a\u0430, Vol 14, Iss 2, Pp 313-331 (2019)","raw_type":"article"}],"best_oa_location":{"id":"doi:10.17072/1994-9960-2019-2-313-331","doi":"https://doi.org/10.17072/1994-9960-2019-2-313-331","is_oa":true,"landing_page_url":"https://doi.org/10.17072/1994-9960-2019-2-313-331","pdf_url":null,"source":{"id":"https://openalex.org/S4306538644","display_name":"\u0412\u0435\u0441\u0442\u043d\u0438\u043a \u041f\u0435\u0440\u043c\u0441\u043a\u043e\u0433\u043e \u0443\u043d\u0438\u0432\u0435\u0440\u0441\u0438\u0442\u0435\u0442\u0430. \u0421\u0435\u0440\u0438\u044f: \u042d\u043a\u043e\u043d\u043e\u043c\u0438\u043a\u0430","issn_l":"1994-9960","issn":["1994-9960","2658-624X"],"is_oa":true,"is_in_doaj":true,"is_core":false,"listed_in":["doaj","russia-white-list-2"],"host_organization":"https://openalex.org/P4310312696","host_organization_name":"Perm State University","host_organization_lineage":["https://openalex.org/P4310312696"],"host_organization_lineage_names":["Perm State University"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"\u0412\u0435\u0441\u0442\u043d\u0438\u043a \u041f\u0435\u0440\u043c\u0441\u043a\u043e\u0433\u043e \u0443\u043d\u0438\u0432\u0435\u0440\u0441\u0438\u0442\u0435\u0442\u0430 \u0421\u0435\u0440\u0438\u044f \u00ab\u042d\u043a\u043e\u043d\u043e\u043c\u0438\u043a\u0430\u00bb = Perm University Herald ECONOMY","raw_type":"journal-article"},"sustainable_development_goals":[],"study_designs":[{"display_name":"Observational Study","id":"https://openalex.org/study-designs/observational-study"}],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W7162154888","https://openalex.org/W139662853","https://openalex.org/W4389689375","https://openalex.org/W4285209289","https://openalex.org/W4402420540","https://openalex.org/W7133562567","https://openalex.org/W4402340240","https://openalex.org/W3184281012","https://openalex.org/W4396736699","https://openalex.org/W127855905"],"abstract_inverted_index":{"The":[0,23,73,127,168,240,330,429,484,524],"article":[1],"presents":[2],"the":[3,6,26,31,35,38,50,54,62,76,81,84,93,98,101,107,119,124,131,140,146,154,158,161,171,178,191,198,204,213,216,222,226,231,235,254,275,284,293,296,317,334,347,350,356,367,377,390,402,409,433,436,440,446,455,464,482,488,494,530,546,549,553],"results":[4,192],"of":[5,8,21,25,37,40,45,56,65,75,83,86,92,100,109,123,130,135,139,142,157,173,180,193,207,221,225,229,234,247,256,265,277,292,295,306,333,340,349,358,360,370,379,381,392,397,405,413,422,432,442,445,487,496,499,532,548,552],"analysis":[7],"financial":[9,71,87,114,174,194,232,248,266,278,321,341,361,382,424,443,473,500,515,521,550],"literacy":[10,88,115,175,195,233,249,279,342,362,383,444,522,551],"in":[11,116,281,311,344,354,395,411,420,476,504,529],"groups":[12,534],"with":[13,118,153,215,253,493],"different":[14],"demographic":[15,90,219,457,533],"characteristics":[16,91],"(marital":[17],"status,":[18],"age,":[19],"presence":[20],"children).":[22],"relevance":[24],"study":[27,77,298,335,434,489],"is":[28,78,326,336],"explained,":[29],"on":[30,49,203,408,438,471],"one":[32],"hand,":[33,52],"by":[34,53,177,463],"increase":[36,55,357],"flexibility":[39],"family":[41,351,372,387,406],"structures":[42],"and":[43,67,89,149,151,160,183,209,218,251,308,314,376,399,417,419,466,502,518],"multivariance":[44],"life":[46,102,121,147,352],"scenarios,":[47],"and,":[48],"other":[51,467],"a":[57,371,386],"person\u2019s":[58],"private":[59],"responsibility":[60],"for":[61,112,244,274,415,545],"efficient":[63],"management":[64],"funds":[66],"ensuring":[68],"their":[69],"own":[70],"well-being.":[72],"purpose":[74],"to":[79,170,283,303,319,337,346,373,541],"determine":[80],"patterns":[82,339],"relationship":[85,214],"population,":[94,447],"which":[95,459],"together":[96],"characterize":[97],"stages":[99,348,486],"cycle.":[103],"It":[104,537],"will":[105,490,526,538],"make":[106],"development":[108,184],"practical":[110,430],"recommendations":[111,437],"improving":[113],"accordance":[117,282,345],"specific":[120],"circumstances":[122],"population":[125,141,236,294],"possible.":[126],"informational":[128],"framework":[129],"research":[132,196],"includes":[133],"data":[134,163],"regular":[136],"sociological":[137,166,241],"surveys":[138],"Vologda":[143],"region,":[144],"concerning":[145],"standards":[148],"quality":[150],"conducted":[152],"direct":[155],"participation":[156],"authors,":[159],"selected":[162],"from":[164,366],"nationwide":[165],"polls.":[167],"approach":[169],"concept":[172],"suggested":[176],"Organization":[179],"economic":[181],"cooperation":[182],"has":[185,271],"been":[186,238,272,450],"substantiated.":[187],"We":[188,287],"have":[189,237,288,449],"considered":[190],"including":[197],"studies":[199],"that":[200,211,300,448],"are":[201,301,480],"based":[202],"life-cycle":[205],"hypothesis":[206],"consumption":[208,315],"savings":[210,312],"concern":[212],"social":[217],"features":[220],"population.":[223,554],"Characteristics":[224],"available":[227],"methods":[228],"assessing":[230],"distinguished.":[239],"assessment":[242,276],"method":[243],"two":[245],"components":[246],"(knowledge":[250],"skills)":[252],"separation":[255],"three":[257],"measured":[258],"indicators":[259],"(household":[260],"budget,":[261,509],"income":[262,307,416],"distribution,":[263],"comparison":[264],"services":[267],"before":[268,323,426],"buying":[269,324],"them)":[270],"used":[273,462],"rate":[280,363,384],"accepted":[285],"concept.":[286],"revealed":[289],"problem":[290],"areas":[291,507],"case":[297],"region":[299],"related":[302],"fragmentary":[304],"consideration":[305],"costs;":[309],"instability":[310],"formation":[313],"priority;":[316],"skill":[318],"compare":[320],"products":[322,425],"them":[325],"not":[327],"highly":[328],"distributed.":[329],"scientific":[331],"novelty":[332,431],"reveal":[338],"alteration":[343],"cycle,":[353],"particular":[355,497],"self-assessment":[359,380],"when":[364,385],"passing":[365],"initial":[368],"stage":[369],"its":[374],"maturity":[375],"decrease":[378],"stops":[388],"existing;":[389],"prevalence":[391],"budgeting":[393],"practices":[394],"families":[396],"older":[398],"middle-aged":[400],"people;":[401],"positive":[403],"impact":[404],"status":[407],"discipline":[410],"terms":[412,421],"accounting":[414],"expenses":[418],"comparing":[423],"purchasing":[427],"them.":[428],"concerns":[435],"leveling":[439],"problems":[441],"formulated":[451],"taking":[452],"into":[453],"account":[454],"identified":[456],"characteristics,":[458],"can":[460],"be":[461,491,527],"authorities":[465],"stakeholders.":[468],"Awareness":[469],"campaign":[470],"general":[472],"issues,":[474],"training":[475],"special":[477],"budget":[478],"applications":[479],"among":[481],"recommendations.":[483],"further":[485],"connected":[492],"determination":[495],"indices":[498],"knowledge":[501],"skills":[503],"several":[505],"subject":[506],"(family":[508],"savings,":[510],"lending,":[511],"investment,":[512],"taxes,":[513],"insurance,":[514],"security,":[516],"etc.),":[517],"an":[519],"integral":[520],"index.":[523],"latter":[525],"included":[528],"context":[531],"mentioned":[535],"above.":[536],"allow":[539],"us":[540],"work":[542],"out":[543],"tools":[544],"improvement":[547]},"counts_by_year":[{"year":2025,"cited_by_count":1},{"year":2023,"cited_by_count":1},{"year":2020,"cited_by_count":3},{"year":2019,"cited_by_count":1}],"updated_date":"2026-11-04T10:54:05.112534","created_date":"2019-09-26T00:00:00"}