Χρηματοοικονομικός αλφαβητισμός και επιπτώσεις στις μισθολογικές διαφορές των φύλων
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Abstract
Contemporary daily life has become increasingly demanding, as citizens’ obligations continue to expand, rendering the attainment of a satisfactory standard of living particularly challenging. Successive crises—most recently the energy crisis and the ongoing state of armed conflict—have exacerbated inflation and driven up the cost of essential goods. These developments have constrained income prospects on a global scale, generated financial stress, and diminished the likelihood of achieving financial independence.
Although this phenomenon affects all individuals regardless of gender, age, or social class, certain groups—including the elderly, retirees, young people, and women—are disproportionately burdened due to their already vulnerable position. Women, in particular, encounter specific challenges such as longer life expectancy, career interruptions associated with child-rearing or caregiving responsibilities, and structural barriers to wealth accumulation. These factors contribute to financial insecurity both during their professional trajectory and throughout retirement.
Moreover, women globally tend to demonstrate comparatively low levels of financial literacy, defined as the ability to understand and effectively apply basic financial concepts. This limitation is frequently accompanied by diminished self-confidence in handling financial matters such as household budgeting, investment decisions, and retirement planning.
Strengthening financial literacy for both men and women can serve as a protective mechanism, enhancing economic well-being not only at the individual level but also within the broader framework of society and economic recovery. For economically vulnerable groups in particular, improved financial knowledge fosters empowerment and confidence, enabling individuals to exercise greater control over their financial circumstances and to achieve sustainable, long-term prosperity.
The persistence of low levels of financial literacy among women also contributes to the gender wage gap, a phenomenon that manifests across all nations. In response, many governments have developed targeted policies and strategies aimed at reducing gender-based income disparities and supporting women’s participation in the labor market. These initiatives often include financial education programs, acknowledging the critical role of financial literacy in narrowing the gender divide.
In summary, advancing financial literacy constitutes a fundamental determinant of both individual and societal economic empowerment. For women in particular, it represents a cornerstone in addressing gender-based pay disparities and promoting equitable economic opportunities.
Postgraduate Studies Programme
Πρόγραμμα Μεταπτυχιακών Σπουδών στη Διοίκηση Επιχειρήσεων για Στελέχη (Executive MBA)Department
Σχολή Οικονομικών, Επιχειρηματικών και Διεθνών Σπουδών. Τμήμα Οργάνωσης και Διοίκησης ΕπιχειρήσεωνNumber of pages
74Language
GreekCollections
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Αναφορά Δημιουργού-Μη Εμπορική Χρήση-Όχι Παράγωγα Έργα 3.0 Ελλάδα
Αναφορά Δημιουργού-Μη Εμπορική Χρήση-Όχι Παράγωγα Έργα 3.0 Ελλάδα