Literacy - Science topic

Literacy is a part of competence and is referred to correct usage of language esp. written. It is closer to performance because it presupposes language usage. Competence is more ideal, generalized knowledge or understanding how a certain languge works.

According to the Muslim Religious principles that women used to say that money is the property of men who has to handle among responsibilities.

This shows that attitude of the Muslim women due to their religion dogmas and cultural traits have made them to be dependent financially.

Women don't ito be independent in the financial status due their religion and mental behavior too.

Even though this could be the practices are being continued over the centur.

The modern Muslim women have drastically changed because of Education.

Islamic Banking loan do not have interest because of the Islamic principles.

It is all about the mental attitude of the Muslim women have to follow the old tradition or break up the old dogmas, ideas and principles etc.

It is very clear distinction that in the case of Pakistan, the educated women have radical thinking about innovation and intelligency in succeeding their efforts and attempts in general.

Individuality makes the woman to be independent financially.

Pakistan women half of them have not educated so it is to be identified by conducting the research to find out the ground reality in the villages or sub-urban centres.

I think that this situation exists in rural Pakistan because many women have educated in abroad have great hope of breaking the barriers of the traditional practices.

Hi,

Some studies offer insights into social influence and financial literacy but don't focus on peer influence's moderating role in budgeting behaviours.

See study links below.

Hope this helps.

Anecdotal: I have seen children in STEM activities gain insight to mathematical thinking when engaged in problem solving. The activities involved measurements: length, volume, and area. Constructing models - free form and then using written instructions. Instructions can be numerical or visual model with dimensions on the part or on a map/template.

Hsin-Yuan Chen Thank you for your guidance.

We will be using Iranian individuals between the ages of 18 and 24 as a representative sample.

Thank you for your response. I appreciate your suggestion that unstructured reviews are beneficial because they do not restrict or specify sources.

Here's a list of individuals who are often recognized as lifelong learners due to their continuous pursuit of knowledge and self-improvement:

These individuals are just a few examples of lifelong learners who have demonstrated a commitment to acquiring knowledge, embracing curiosity, and adapting to change throughout their lives.

Thank you so much, Prof. Gaurav, for your inputs. Let's stay in touch.

Hello, dear Julian I do not know much about this topic. With good luck

Administer same test at the beginning (pre-test) and do same at the end (post-test) and find the difference between pre-test and post-test.

Thanks for your answer

Education requires special qualifications that are not available to everyone

Here are some workable suggestions for proxy variables to financial literacy:

Los microorganismos no halófilos capaces de crecer tanto en ausencia como en presencia de sal son llamados halotolerantes; los halotolerantes que son capaces de crecer aproximadamente al 15% (w/v) de NaCl (2,5 M) son considerados halotolerantes extremos. Los microorganismos que requieren sal para su crecimiento son llamados halófilos. De acuerdo a la definición de Kushner (30), es posible distinguir entre halófilos débiles, como lo son la mayoría de los organismos marinos, considerando que el agua de mar contiene cerca del 3% (w/v) de NaCl; halófilos moderados, cuyo crecimiento óptimo se encuentra en un rango del 3 al 15% (w/v) de sal, y halófilos extremos, que presentan un crecimiento óptimo al 25% (w/v) de NaCl (44).

Por otro lado debes aislar el ADN de ambas cepas y amplificar genes de resistencia a salinidad, a través de PCR convencional o Real Time. Estos genes ya determinados por otros autores cuyas secuencia a veces la publican.

Non-halophilic microorganisms capable of growing both in the absence and in the presence of salt are called halotolerant; halotolerants that are capable of growing in approximately 15% (w/v) NaCl (2.5 M) are considered extreme halotolerants. Microorganisms that require salt for their growth are called halophiles. According to Kushner's definition (30), it is possible to distinguish between weak halophiles, as most marine organisms are, considering that seawater contains about 3% (w/v) of NaCl; moderate halophiles, whose optimum growth is found in a range of 3 to 15% (w/v) of salt, and extreme halophiles, which show optimal growth at 25% (w/v) of NaCl (44).

On the other hand, you must isolate the DNA of both strains and amplify genes for resistance to salinity, through conventional or Real Time PCR. These genes already determined by other authors whose sequence is sometimes published.

Advancing adult education in India presents both challenges and opportunities. Here are some key factors to consider:

Challenges:

1. Low Literacy Rates: India still faces significant challenges in terms of adult literacy rates. According to UNESCO, the adult literacy rate in India is around 74%, with a significant gender gap.

2. Access to Education: Many adults in India face barriers to accessing education, such as limited availability of educational institutions, lack of infrastructure, and financial constraints.

3. Language Diversity: India is a linguistically diverse country, with numerous regional languages. Providing education in multiple languages and ensuring effective communication can be a challenge.

4. Technological Divide: Access to technology and digital literacy can be a barrier for adult learners, particularly in rural areas or among marginalized communities.

5. Socio-cultural Factors: Societal norms, gender biases, and cultural factors can influence adult education participation, particularly for women and marginalized groups.

Opportunities:

1. Government Initiatives: The Indian government has launched various initiatives to promote adult education, such as the National Literacy Mission and the Digital India campaign. These initiatives provide opportunities for collaboration and investment in adult education.

2. Skill Development: India's growing economy demands a skilled workforce. Adult education programs can focus on providing vocational training and skill development to enhance employability.

3. Technology-Enabled Learning: Technology can play a significant role in advancing adult education. Online platforms, mobile learning, and digital resources can help overcome geographical barriers and provide flexible learning opportunities.

4. Public-Private Partnerships: Collaboration between government, non-profit organizations, and private sectors can help address the challenges of adult education by pooling resources, expertise, and innovative approaches.

5. Community Engagement: Engaging local communities, NGOs, and grassroots organizations can help create awareness, build trust, and tailor educational programs to meet the specific needs of adult learners.

6. Recognition of Prior Learning: Recognizing and valuing the skills and knowledge acquired through informal and non-formal means can encourage adult learners to participate in education and gain formal recognition for their abilities.

Addressing these challenges and leveraging the opportunities can contribute to the advancement of adult education in India, empowering individuals, and promoting socio-economic development.

Please find some literacy strategies that may be useful for English Language Learners (ELLs) in non-ELA classes. Here are some tips and strategies:

Provide visuals to support language comprehension: Students who are not proficient in English may have difficulty understanding complex vocabulary and concepts. Providing visuals such as diagrams, charts, and graphs can help students understand the material better.

Pre-teach key vocabulary: Pre-teaching key vocabulary words before a lesson can help ELLs better understand new concepts. This can be done through word walls, flashcards, or pre-teaching activities.

Use graphic organizers: Graphic organizers, such as KWL charts or concept maps, can help ELLs organize their thoughts and understand new concepts visually.

Incorporate peer-to-peer learning opportunities: Pairing ELLs with native English speaking peers can provide students with opportunities to practice their language skills and learn from each other.

Encourage the use of bilingual resources: When available, bilingual materials, such as textbooks and dictionaries, can help ELLs bridge the gap between their first language and English.

Create a welcoming classroom environment: Creating a welcoming classroom environment can help ELLs feel more comfortable and confident in their language abilities. This can be done through positive reinforcement, cultural awareness, and support from the teacher.

Provide extra support: Providing ELLs with extra support, such as after-school tutoring or additional resources, can help them succeed in classes where they may struggle.

Overall, incorporating these strategies can help ELLs succeed in non-ELA classes and feel more confident in their language abilities. It is important to also be patient and understanding of ELLs as they navigate a new language and culture.

Dear Sunday,

One commonly used and validated standardized scale for measuring financial literacy among undergraduate students is the Financial Literacy Assessment (FLA) developed by the National Endowment for Financial Education (NEFE). The FLA is a comprehensive questionnaire that assesses various dimensions of financial knowledge and understanding.

Another widely recognized scale is the Financial Knowledge Scale (FKS) developed by Peng, Bartholomae, and Fox (2005). The FKS measures financial knowledge across different domains, including saving, borrowing, investing, and insurance.

Additionally, the Jumpstart Coalition for Personal Financial Literacy has developed a questionnaire known as the National Standards in K-12 Personal Finance Education. Although originally designed for K-12 students, it can be adapted for use with undergraduate students as well.

It's important to note that these scales have been extensively used and validated, but it's always recommended to review the specific psychometric properties and suitability for your research context before selecting one for your study.

All the best,

Dr.Sarraf

Thank you so much sir David Coker

i'm planning to do it with cornbach alpha reliability test! wish me luck sir

Probably not. Look at the findings of the gates foundation. Lots of money invested on your premise and very little to show. The answer is elsewhere.

Hello Rahul Jain

You make a very interesting point about literacy rates. Beyond just the numbers (eg what percentage of the population), some research has been about the amount of literacy required for the job. So there are subdivisions on the amount of literacy (such as in OECD reports) compared to a yes/no view. Do you think that is more helpful and do you think it is even necessary?

Example:

World Bank defined financial inclusion as "Financial inclusion means that individuals and businesses have access to useful and affordable financial products and services that meet their needs – transactions, payments, savings, credit, and insurance – delivered in a responsible and sustainable way." The scope of financial inclusion is not limited to only banking services but also extends to other financial services such as insurance, equity products, and pension products. Quantitative and qualitative methodologies can be used.

Financial literacy means knowing how to use and benefit from affordable products and services. its scope includes budgetary education (personal or family budget) and learning about banking tools (everyday banking, savings, insurance), as well as understanding economic concepts (how the economy operates and is financed) and public policies.

For Mobile financial inclusion, you can benefit form the next guideline

https://www.afi-global.org/sites/default/files/publications/MFSWG%20Guideline%20Note%20on%20Terminology.pdf

I suggest for you to design and create your gameboard/s for your elementary school students to play as a tool to measure their cognitive/academic performance . . .

Thank you

Dea Maisa, It depends on whether the pedagogy for students to learn, is structured and defined to or defined by UNESCO (Within that pedagogy that you point out,) should include, reading, writing, calculation, digital skills, media literacy etc. So it also depends if students are learning what they are teaching, for this it is very important, that they put it into practice. Best regards

Thank you, Mariela.

You could organize some projects with your students that are meaningful to them and can be used on their daily life. For example; write a letter to a friend who moved to another country or gather information and write an essay about their favorite singer etc.

Hi, Victorina Gonzalez-Diaz

Good morning, good afternoon/ good evening, I am interested in this task, however, I am living in Timor Lesta it's too far away for me to become an independent evaluator of your research.

Kind

Augusto

Out-of-School Sports Participation Is Positively Associated with Physical Literacy, but What about Physical Education? A Cross-Sectional Gender-Stratified Analysis during the COVID-19 Pandemic among High-School Adolescents

May 2022Children 9(5):753

DOI: 10.3390/children9050753

Dear Haseeb,

Again, in no way do I disagree - education is a good thing, from my point of view. Corruption and teachers who don't believe in teaching, who don't see their success in the children they are supposed to serve, are hard to root out. These problems exist around the world, and no one thing has prevented them. However, selection matters - choosing teachers carefully. Holding them to account - having a mechanism to remove teachers who are not competent. And reinforcing and working with those teachers who are doing their work. I would say you need all three mechanisms, and the community cannot probably count on the government at all for the last two.

Take care

@Christian M. Ringle

Hello Kirti,

Of course, the model(s) of interest should be driven by your specific research question(s).

It sounds to me as if you could:

1. Evaluate two different models: (a) one with FinLit as a mediator, with some other variable as the target DV (and at least one IV beyond these vars); (b) one with FinLit as a DV;

The only problem with this approach is that you don't have a simultaneous test of whatever the mediation RQ is, coupled with whatever the FinLit = DV RQ might be.

2. Combine the models, so that, FinLit is in fact a target DV for one or more other variables, and it behaves as a mediator in that relationship.

The only problem with the second approach is you'd have to respecify it in at least two other ways to evaluate the mediation hypothesis vs. whatever the hypothesis of interest is when FinLit is the DV.

You'll have to decide which approach makes the most sense given your research aims.

Good luck with your work.

There are plenty of determinant factors to increase the level of financial literacy. Feel free to read, review and comment our article regarding this,

If you want to refer to how digitalization has influent financial literacy, kindly read and review all manuscripts published by Angela C. Lyons

I agree with Albert Zeigler. Morever, miscegnation exponentially increased during the past 30 years which fosters higher cross-ethnic buy-in toward equally distributed pedagogy.

There is no digital literacy possible without advanced literacy and technical skills, i.e. tech-know-logical education and enlightenment operate as information selection system In the digitized cosmos of virtual reality. Am in line with

Jebunnesa Jeba and Áurea Gabriel , but I see digital literacy as tech-know-logical icing on the cake, with respect to advanced literacy and technical skills In physical reality.

Hello

Microeconomics and marketing

Best regards

I agree with Mr Hassan, and I would like to add that literature work is considered a language resource for English and most languages. Poems, even legends believe to be a linguistic resource. So, any SL teacher or student needs to return to the literature to enrich his linguistic backgrounds, such as vocabulary and grammar. It is the perfect writing, reading, or even daily conversation model.

Either English or Hindi

Hello / Mrs. Doctor and Professor No I do not have a questionnaire. Send it to me if possible Thank you for your kindness.

Dr G.T. Madhubhashini Galagedarage . Yes it is very important & essential for all levels .

Which of the area do u want to articulate?

The findings of research shows that respondents who have low financial literacy leads to higher in spending behavior. ... Findings shows that the age above 50 years are high in spending behavior and low in financial knowledge because of low awareness of financial literacy as compared to the younger age group people.

Important question

In case of one dependent variable you can apply 't'-test and in case of more than one dependent variable you can apply MANOVA.

La alfabetización funcional va dirigida a desarrollar en los investigadores conocimientos y habilidades para leer y escribir textos científicos. Además debe adquirir habilidades para la revisión y criítica científica de los resultados de investigación q dirige como mentor de tesis, tribunal o revisor.

very interesting research, could one say that logically one would expect that the higher rate of financial literacy, the more scrupulous the retirement plans? or does income(which probably positively correlates with financial literacy) play a bigger role?

Dear Winfrey

Stock market participation is a widely discussed phenomenon in finance-related fields Activities and academic literature, and relatively large differences in the participation rate of stock markets in specific countries have not been explored to a large extent. Although many scholars have elaborated on the relevance of financial knowledge related to stock market participation and the importance of the latter, the participation rate is still quite low. The academic community seems to agree with the fact that an individual’s financial knowledge is It is important in predicting the degree of participation in the stock market. In addition to the generally low stock market participation, the mystery of stock market participation is also related to large cross-country differences. Although the participation rate of the stock market has increased over time, huge differences in the participation rate of countries still exist. To this day, the puzzles involved in the stock market are still relatively incomplete. Although its importance has been proven, scholars still cannot fully and reasonably explain the relatively low stock market participation rate and the difference in stock market participation rates between countries. Traditional research mainly focuses on the personal characteristics of stock market participation. When a country’s social connections decline, financial literacy becomes a more important determinant of stock market participation. This means that it is particularly interesting for policymakers in countries with low social ties to invest in improving their country’s financial knowledge. Compared with similar growth in financial knowledge in countries with very close social connections, this investment will generate a relatively large increase in stock market participation. In addition, increased participation in the stock market will ultimately benefit society.

These are samples of survey questionnaire used in financial literacy:

https://openknowledge.worldbank.org/bitstream/... ·

https://nces.ed.gov/surveys/pisa/pisa2018/...

Good luck.

All the best

Dear Joanna Huxster,

thank you for the question!

On the one hand, personally I have never heard about "environmental knowledge literacy" as such, may be it exists (share if you will find any links, would be so curious). On the other hand, there is no doubt, that "environmental competences" (knowledge, attitudes and skills) as a "draft" for environmental knowledge awareness could be in a content of science/environmental education. Also it would be possible to search via key words, such as "sustainable development", "environmental studies" or "circular economy".

I wish you to find and share your investigations!

So welcome,

Loreta

I have been directly observing some classrooms and listening to teachers' reports of teaching in several states as part of my work. Many teachers are using programs like iStation and iReady to assess basic literacy skills with some limited reading comprehension. There is also some assessment happening where teachers are giving fluency tests during small group or one-on-one opportunities via video conference. Some teachers are also using workbook worksheets scanned into an LMS like Google Classroom, SeeSaw or the similar. There is very little other literacy assessment going on for many students.

No, there is

Interested

I have always utilized the Jolly Phonics programme as a guide when I use to teach very small children. It employs a holistic approach of storytelling, action and writing. It can be suited or adopted to fit your context.

very good research

Good question

With total learning we can do this.

You're welcome Rich Philp. For your information, I have a modest knowledge regarding programming, but still I made some games for PC. Here is a free one:

There is a lot of entrepreneur in this world. Some of them are really successful with becoming a trillionaire but mostly are not. And when we speak with them who success, absolutely they know how money works. Its something beyond financial literacy that we know nowadays. People define financial literacy really in a microscope, while an entrepreneur understands the money is deeper than that definition.

So if you define financial literacy as it is known nowadays, absolutely it has no relation for people with high success in becoming an entrepreneur. But if you ask people that not mature enough in business, it may be related. The most successful person in business has higher value understanding of money and its more comprehensive than just financial literacy.

https://journals.sagepub.com/doi/full/10.1177/2332858419828691

Financial Literacy means the knowledge of managing one's resources and money to lead a balanced life. Financial literacy is not about only savings but also about making smart decisions for your hard earned income and not falling prey to excessive greed or other compelling factors. Financial Literacy has many constructs and timely investment decisions is one of the constructs. Also knowledge of Portfolio management. How much of the income can you risk? How much can you save? How much will you spend in insurance. etc. ?Have you made life will? are some of the important questions of Financial Literacy.

Infact in some cases late gratification also.

Best regards

Munira Tharwani

Thank you for your interesting. But I didn’t understand what you mentioned

Pr Emmanuel. Thanks for the contributions.

When teaching "Psychology of Religion," I'd have the students write about their personal religious experience. And, when I taught "Psychology of Self" I would have the students write about their "Personal Myth," that is, what was their purpose in living and what would be said about them, once they passed away?

Hello colleague,

I have no scientific proof but I am pregnant with indigenous knowledge. The things I have learned in the village where I grew up.

THERE IS NO SPECIFIC AGE.

It all depends on what you subject the kid to. If you teach him or her how to talk when 15 months, there is no limitation to his/her learning. The kid will start grasping stuff slowly. Teaching them when young improves their mental development and they are sharp to old age.

This can be done after creating an organizational climate

Here's what is available in RG: https://www.researchgate.net/search.Search.html?type=publication&query=Cultural%20Literacy%20tests

Best,

Debra

Thanks for your very important and interesting questions. These articles may interest you:

Different educationist categories it. In one school of thought education start when child born. Reading and writing can be named as early childhood reading and writing or ECRW

You could download the dataset from PISA 2012 and 2015.n It is avalialble in OECD portal.

For a UK source on financial literacy, you could try contacting this organisation: https://www.young-enterprise.org.uk/teachers-hub/financial-education/

Upon my knowkedge till now,this type of knowledge is now spread out the educational environment around the world, it concerns about how learning will be more enjoyable and there will be different represrntations for different subject matters, for example from my domain (teaching mathematics) I can say the software programs such as GSP give you a comprehensive view of different mathematical concepts.

It helps students to construct the concepts themselves , and make them figure out the mathematical relationships

from my personal experience, I suggest exploring about their interests and needs, adapting readings based on it; start by reading short, work reading comprehension through different sensitive channels with a lot of creativity

Dear Marek Dance

I tried to answer your question based on a valid source.

I hope to help you.

I will offer you this article:

Meanwhile, this person can help you:

according to Starkey (2003), empowerment is discussed with increasing regularity, yet remains a contested concept which is often not clearly defined. An explanation for this could be diverse origins. As a concept, empowerment has its roots in a range of traditions, including among others, the civil rights, anti-racist and women’s movements and consumerism. Thus, empowerment holds varying meanings in a range of contexts with different underpinning assumptions and ideologies. In order to establish a theoretical framework, this paper will outline two competing discourses identified by Croft and Beresford (1995): the consumerist model of empowerment and the liberational model of empowerment.

Information underpins both buyer and supplier power in the marketplace. Keh and Park (1988) suggest that information allows access to more products and allows individuals to learn about manufacturers and distributors, competitive offerings and prices. Pitt et al (2002) note that information incompleteness and information asymmetries do not provide conditions where individuals feel they have all the information to act, in a sense rendering them powerless The power of information is manifest in the relationship between consumers and professionals (such as health care professionals or financial services professionals).

Internet is the only solution.

Bianca, your latest response makes good sense to me. I'm glad we interacted. A Q-sort has me intrigued, but That would mean going in a different direction from which I'm presently headed. And honestly, I know I need to focus.

Research Gate is a wonderful space for sharing ideas. One really never knows how reaching out with a single idea can be enriching in ways not anticipated.

Donna

I am currently working in an ASC school primary and have noticed some changes in the children when I comes to communicating whether it be verbal.or no verbal. I am at present just coding the results if my findings and will get back to you shortly as to what I actually fund out