Indicators, Perceptions and Financial Education: Aligning Evidence with EU and OECD Policies
Indicators, Perceptions and Financial Education: Aligning Evidence with EU and OECD Policies

Summary/Abstract: The present study examines the determinants of perceived financial stability among participants in a financial education programme in Romania, situating the analysis within the broader framework of European and OECD policy priorities. Utilising a dataset comprising 118 respondents and implementing multiple linear regression, the research explores the impact of demographic, attitudinal, perceptual, and behavioural factors. The findings of the study indicate that income, financial goals, initial financial perceptions, and saving practices are significant predictors of perceived financial stability. In contrast, professional status, motivation, and payment deferral demonstrate weaker or ambiguous effects. The findings underscore the pivotal role of subjective perceptions and goal-setting in influencing financial outcomes, thereby suggesting that efficacious financial education should integrate cognitive, attitudinal, and behavioural dimensions. The present study contributes empirical evidence in support of the strategies employed by the EU and OECD to promote financial resilience, inclusion, and sustainable financial behaviours.

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