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Ricerche di Psicologia/Psychological Research Journal - Open Access

Articoli

N. 3 (2023)

La Multidimensional Financial Literacy Scale: proposta di un nuovo strumento per la misurazione della financial literacy

DOI
https://doi.org/10.3280/rip2023oa18192
Inviata
19 luglio 2024
Pubblicato
22-07-2024

Abstract

L’alfabetizzazione finanziaria (financial literacy) è l’insieme delle conoscenze e competenze relative alla gestione delle proprie risorse finanziarie.
Possedere tali nozioni e abilità consente di prendere decisioni finanziarie che impattano positivamente sul proprio benessere personale. Ad oggi gli strumenti per misurare il livello di alfabetizzazione finanziaria dell’individuo sono molteplici a causa dell’esistenza di diverse concettualizzazioni del costrutto stesso. A partire dalla definizione dell’Organization for Economic Co-operation and Development (OECD), che considera l’alfabetizzazione finanziaria come l’insieme di consapevolezza, conoscenze, competenze, atteggiamenti e comportamenti in tale ambito, il presente contributo intende descrivere la progettazione di un nuovo strumento di misura della financial literacy. La Multidimensional Financial Literacy Scale (MFLS) vuole proporsi come nuovo strumento di misurazione dell’alfabetizzazione finanziaria intesa come costrutto multidimensionale. Gli item della nuova scala costituiscono l’operazionalizzazione dei costrutti teorici inclusi nella definizione dell’Organization for Economic Cooperation and Development (OECD). La scala presenta una struttura modulare, in cui gli item sono ordinati per gradiente di difficoltà, da livello base a livello avanzato. Il presente contributo, oltre alla presentazione di un nuovo strumento di misurazione della financial literacy, offre altresì una riflessione teorica sulle motivazioni scientifiche che hanno portato alla creazione della nuova scala che, tuttavia, necessita di studi futuri che ne testino le proprietà psicometriche.

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