The Scottish Government

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Sue Granville and David Primrose, George Street Research
Michael Chapman, Michael Chapman Associates

ISBN 978 0 7559 7387 3 (Web only publication)
ISSN 0950 2254

This document is also available in pdf format (644k)
This full report is also accompanied with research findings 44/2009.

CONTENTS

ACKNOWLEDGMENTS

EXECUTIVE SUMMARY

1 INTRODUCTION
Research Aims & Objectives
Phase 1
Phase 2
Method of Approach
Desk Research
Schools Online survey
Audience Review
Stakeholder Engagement
Structure of the Report

2 CONTEXT
Introduction
Financial Education
The Need for Financial Education
Financial Education Provision
Best Practice
The Cost Effectiveness of Financial Education Programmes
Summary

3 FINANCIAL EDUCATION IN SCOTLAND
Introduction
Financial Education and Scottish Economy
Financial Inclusion
Financial Education Providers in Scotland
Scottish Centre for Financial Education
MoneySense - Royal Bank of Scotland
Financial Education Partnership
The Stewart Ivory Foundation Schools' Financial Awareness Programme
Mapping Financial Capability
Summary

4 FINANCIAL EDUCATION DELIVERY AND EFFECTIVENESS
Profile of those responding to the online survey
Current delivery of financial education in Scottish primary and secondary schools
How to define financial education
When to deliver financial education
Status of financial education
Fit with Curriculum for Excellence
Issues pertinent to secondary schools
Issues pertinent to Additional Support Needs ( ASN) Schools
Issues pertinent to primary schools
Involving pupils
Attitudes of teachers
External factors
Pupil attitudes
The need to accord greater priority to financial education
Staff development for delivery of financial education in Scottish primary and secondary schools
Resources and Programmes
Awareness of Resources and Programmes
Usage and Non Usage of Resources and Programmes
SCFE Resources
Adding up to a Lifetime ( AUTAL)
On the Money
Talk Money, Talk Solutions
Money Week
Stewart Ivory Foundation
RBS MoneySense
Financial Education Partnership Programme
Overall Rating of Resources
Support, advice and help
The Future
Summary

5 OVERALL EFFECTIVENESS
Introduction
The Financial Education Landscape
Curriculum for Excellence
Innovation in Delivery
Partnership Working
Stakeholder Event
Professional Qualifications and the Economy
Quality Assurance
Research and evaluation
CPD for teachers
Key Challenges
Summary

6 CONCLUSIONS AND RECOMMENDATIONS
Introduction
Conclusions
Recommendations

REFERENCES

ANNEX 1: Charts
ANNEX 2: Online Survey Questionnaire
ANNEX 3: Topic Guides and Sample Profile
ANNEX 4: Stakeholders Consulted
ANNEX 5: Financial Education Policy Framework

The views expressed in the report are those of the author(s) and do not necessarily reflect those of the Scottish Government or any other organisation(s) by which the author(s) is/are employed.

The Scottish Government is making this research report available on-line in order to provide access to its contents for those interested in the subject. The Scottish Government commissioned the research but has not exercised editorial control over the report.

Both documents are published by Education Analytical Services, Scottish Government, Victoria Quay, Edinburgh, EH6 6QQ.

If you have any enquiries about these reports please contact the Dissemination Officer on 0131-244-0894; by e-mail on recs.admin@scotland.gsi.gov.uk or visit our website www.scotland.gov.uk/insight.

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