{"id":69,"date":"2023-07-02T23:33:16","date_gmt":"2023-07-02T23:33:16","guid":{"rendered":"https:\/\/ceevet.eu\/romanian\/?page_id=69"},"modified":"2023-12-06T18:33:41","modified_gmt":"2023-12-06T18:33:41","slug":"educatie-financiara-si-economica","status":"publish","type":"page","link":"https:\/\/ceevet.eu\/romanian\/educatie-financiara-si-economica\/","title":{"rendered":"Educa\u021bie financiar\u0103 \u0219i economic\u0103"},"content":{"rendered":"\n<p><strong>INTRODUCERE<\/strong><\/p>\n\n\n\n<p>\u00cen lumea complex\u0103 \u0219i interconectat\u0103 de ast\u0103zi, alfabetizarea financiar\u0103 \u0219i economic\u0103 a ap\u0103rut ca un set de abilit\u0103\u021bi indispensabile pentru toat\u0103 lumea, \u00een special pentru tineri. Urm\u0103toarea genera\u021bie de lideri, inovatori \u0219i factori de decizie, tinerii trebuie s\u0103 navigheze \u00eentr-o economie global\u0103 dinamic\u0103 \u0219i s\u0103 fac\u0103 alegeri \u00een cuno\u0219tin\u021b\u0103 de cauz\u0103 cu privire la finan\u021bele lor personale, traseele de carier\u0103 \u0219i eforturile antreprenoriale. Echip\u00e2ndu-i cu cuno\u0219tin\u021bele \u0219i instrumentele necesare pentru a \u00een\u021belege, analiza \u0219i participa activ la chestiuni financiare \u0219i economice, \u00eei vom \u00eencuraja s\u0103 \u00ee\u0219i modeleze viitorul \u0219i s\u0103 contribuie la cre\u0219terea economic\u0103 \u0219i stabilitatea comunit\u0103\u021bilor lor \u0219i a societ\u0103\u021bii \u00een general.<\/p>\n\n\n\n<p><strong>Ce este alfabetizarea financiar\u0103?<\/strong><\/p>\n\n\n\n<p>Educa\u021bia financiar\u0103 se refer\u0103 la cunoa\u0219terea \u0219i \u00een\u021belegerea diferitelor produse financiare. Semnifica\u021bia sa const\u0103 \u00een a permite persoanelor s\u0103-\u0219i gestioneze eficient finan\u021bele personale, investi\u021biile \u0219i planificarea fiscal\u0103. Echip\u00e2ndu-ne cu cuno\u0219tin\u021be \u00een acest domeniu, ne putem proteja \u00eempotriva fraudelor \u0219i \u00een\u0219el\u0103ciunilor financiare, promov\u00e2nd bun\u0103starea financiar\u0103.<\/p>\n\n\n\n<p>Un alt aspect al alfabetiz\u0103rii financiare este relevan\u021ba sa \u00eentr-o er\u0103 marcat\u0103 de progrese tehnologice rapide \u0219i de integrarea cresc\u00e2nd\u0103 a pie\u021belor globale.Alfabetizarea financiar\u0103 \u0219i economic\u0103 a devenit astfel \u0219i mai important\u0103. Revolu\u021bia digital\u0103 a transformat practicile financiare tradi\u021bionale, d\u00e2nd na\u0219tere monedelor virtuale, platformelor digitale de plat\u0103 \u0219i instrumentelor financiare inovatoare. \u00cen\u021belegerea acestor evolu\u021bii \u0219i a implica\u021biilor lor este necesar\u0103 dac\u0103 dorim s\u0103 profit\u0103m de oportunit\u0103\u021bile emergente, s\u0103 ne protej\u0103m interesele financiare \u0219i s\u0103 ne adapt\u0103m la peisajul economic \u00een continua evolu\u021bie.<\/p>\n\n\n\n<p>Mai mult, alfabetizarea financiar\u0103 joac\u0103 un rol esen\u021bial \u00een realizarea obiectivelor pe termen lung, cum ar fi finan\u021barea \u00eenv\u0103\u021b\u0103m\u00e2ntului superior al unui copil, achizi\u021bionarea unei case sau \u00eenfiin\u021barea unei afaceri. Ea pune accent pe importan\u021ba fondurilor de urgen\u021b\u0103, a economiilor pentru pensii, a asigur\u0103rilor \u0219i a planific\u0103rii patrimoniului. C\u00e2nd indivizii sunt educa\u021bi financiar, se ini\u021biaz\u0103 un efect de domino, deoarece pot r\u0103sp\u00e2ndi informa\u021biile \u00een cercurile lor sociale, inclusiv prieteni, familie, colegi, vecini \u0219i clien\u021bi.<\/p>\n\n\n\n<p><strong>Cum ne poate ajuta alfabetizarea financiar\u0103 \u00een via\u021ba noastr\u0103?<\/strong><\/p>\n\n\n\n<p>Exista numeroase argumente \u00een favoarea alfabetiz\u0103rii financiare; beneficiile acestui demers pot exercita un impact pozitiv asupra vie\u021bii cuiva. Iat\u0103 c\u00e2teva motive cheie pentru care este esen\u021bial s\u0103 fii motivat s\u0103 devii alfabetizat financiar:<\/p>\n\n\n\n<p><strong>\u00cemputernicire \u0219i independen\u021b\u0103:<\/strong><\/p>\n\n\n\n<p>Educa\u021bia financiar\u0103 confer\u0103 indivizilor puterea de a prelua controlul asupra vie\u021bii lor financiare. \u00cen\u021beleg\u00e2nd conceptele, strategiile \u0219i instrumentele financiare, indivizii pot lua decizii bine fundamentate \u0219i pot gestiona cu succes viitorul lor financiar. Acest sentiment de control asupra propriilor finan\u021be \u00eencurajeaz\u0103 independen\u021ba \u0219i \u00eencrederea \u00een sine, reduc\u00e2nd dependen\u021ba de al\u021bii pentru consiliere sau sprijin financiar.<\/p>\n\n\n\n<p><strong>Securitate financiar\u0103:<\/strong><\/p>\n\n\n\n<p>Educa\u021bia financiar\u0103 creaz\u0103 o baz\u0103 pentru atingerea \u0219i men\u021binerea securit\u0103\u021bii financiare. Aceasta ofer\u0103 indivizilor cuno\u0219tin\u021bele \u0219i abilit\u0103\u021bile de a bugeta eficient, de a economisi pentru situa\u021bii de urgen\u021b\u0103 \u0219i de a face alegeri \u00een\u021beleapte de investi\u021bii. Administr\u00e2nd banii cu \u00een\u021belepciune \u0219i construind o baz\u0103 financiar\u0103 solid\u0103, oamenii pot gestiona mai bine cheltuielile nea\u0219teptate, recesiunile economice sau perioadele de tranzitie din via\u021b\u0103.<\/p>\n\n\n\n<p><strong>\u00cembun\u0103t\u0103\u021birea procesului de luare a deciziilor:<\/strong><\/p>\n\n\n\n<p>Educa\u021bia financiar\u0103 \u00eembun\u0103t\u0103\u021be\u0219te abilit\u0103\u021bile de luare a deciziilor. Permite indivizilor s\u0103 evalueze op\u021biunile financiare, s\u0103 \u00een\u021beleag\u0103 consecin\u021bele alegerilor lor \u0219i s\u0103 aleag\u0103 cea mai potrivit\u0103 cale de ac\u021biune. Fie c\u0103 este vorba despre efectuarea de achizi\u021bii majore, alegerea investi\u021biilor sau evaluarea condi\u021biilor de \u00eemprumut, alfabetizarea financiar\u0103 \u00eei ajut\u0103 pe indivizi s\u0103 ia decizii financiare s\u0103n\u0103toase, aliniate cu obiectivele \u0219i valorile lor.<\/p>\n\n\n\n<p><strong>Gestionarea datoriilor:<\/strong><\/p>\n\n\n\n<p>Cunoa\u0219terea financiar\u0103 \u00eei echipeaz\u0103 pe indivizi cu strategii \u0219i instrumente pentru a gestiona eficient datoriile. \u00cei ajut\u0103 s\u0103 \u00een\u021beleag\u0103 ratele dob\u00e2nzilor, planurile de rambursare \u0219i impactul \u00eemprumuturilor asupra bun\u0103st\u0103rii lor financiare generale. Cu aceste cuno\u0219tin\u021be, indivizii pot dezvolta strategii pentru a minimiza datoriile, pot lua decizii informate de \u00eemprumut \u0219i pot ac\u021biona pentru a achita total datoriile.<\/p>\n\n\n\n<p><strong>Acumularea averii \u0219i construirea de active:<\/strong><\/p>\n\n\n\n<p>Educa\u021bia financiar\u0103 ofer\u0103 indivizilor abilit\u0103\u021bile de a acumula avere si active. Acest proces implic\u0103 \u00een\u021belegerea unor concepte precum investi\u021bia, alocarea activelor, diversificarea \u0219i planificarea pension\u0103rii. Lu\u00e2nd decizii privitor la investi\u021bii \u00een cuno\u0219tin\u021b\u0103 de cauz\u0103 \u0219i cresc\u00e2ndu-\u0219i activele, indivizii \u00ee\u0219i pot dezvolta valoarea net\u0103 \u0219i pot crea o baz\u0103 financiar\u0103 solid\u0103 pentru ei \u00een\u0219i\u0219i \u0219i pentru genera\u021biile viitoare.<\/p>\n\n\n\n<p><strong>Protec\u021bie \u00eempotriva fraudei \u0219i \u00een\u0219el\u0103ciunilor:<\/strong><\/p>\n\n\n\n<p>Educa\u021bia financiar\u0103 ac\u021bioneaz\u0103 ca un scut \u00eempotriva fraudelor \u0219i \u00een\u0219el\u0103ciunilor financiare. \u00cembun\u0103t\u0103\u021be\u0219te capacitatea unei persoane de a recunoa\u0219te poten\u021bialele \u00een\u0219el\u0103ciuni, de a-\u0219i \u00een\u021belege drepturile \u0219i protec\u021bia de care dispune \u0219i de a evalua \u00een cuno\u0219tin\u021b\u0103 de cauz\u0103 ofertele sau schemele financiare. Cunoa\u0219terea financiar\u0103 le permite persoanelor s\u0103 \u00ee\u0219i protejeze bunurile, identitatea \u0219i informa\u021biile personale \u00eempotriva activit\u0103\u021bilor frauduloase.<\/p>\n\n\n\n<p><strong>Eforturi antreprenoriale:<\/strong><\/p>\n\n\n\n<p>Educa\u021bia financiar\u0103 este crucial\u0103 pentru antreprenorii aspiran\u021bi. Ofer\u0103 cuno\u0219tin\u021be esen\u021biale despre finan\u021barea afacerilor, bugetare, gestionarea fluxului de numerar \u0219i prognoza financiar\u0103. \u00cen\u021belegerea acestor concepte echipeaz\u0103 antreprenorii cu abilitatea de a lua decizii financiare informate, de a asigura finan\u021bare \u0219i de a gestiona cu succes aspectele financiare ale \u00eentreprinderilor lor.<\/p>\n\n\n\n<p><strong>PREZENTARE: EDUCA\u021aIA FINANCIAR\u0102 \u0218I ECONOMIC\u0102<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"retrgtbjujuy2435u86\" width=\"680\" height=\"383\" src=\"https:\/\/www.youtube.com\/embed\/tdzWHeT2fjI?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p>\u00a0 <strong><a href=\"http:\/\/ceevet.eu\/english\/wp-content\/uploads\/2023\/12\/Educatie-financiara-si-economica.pdf\" data-type=\"URL\" data-id=\"http:\/\/ceevet.eu\/english\/wp-content\/uploads\/2023\/12\/Educatie-financiara-si-economica.pdf\">PREZENTARE &#8211; EDUCA\u021aIA FINANCIAR\u0102 \u0218I ECONOMIC\u0102<\/a><\/strong> <\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>TERMENI FINANCIARI<\/strong><\/p>\n\n\n\n<p>Iat\u0103 o list\u0103 de termeni importan\u021bi de alfabetizare financiar\u0103 \u0219i defini\u021biile acestora:<\/p>\n\n\n\n<p><strong>Buget:<\/strong>Un plan care prezint\u0103 veniturile \u0219i cheltuielile a\u0219teptate pe o anumit\u0103 perioad\u0103, de obicei lunar sau anual.<\/p>\n\n\n\n<p><strong>Dob\u00e2nd\u0103:<\/strong>Costul \u00eemprumutului de bani sau rentabilitatea investi\u021biei. De obicei, este exprimat\u0103 ca procent din suma principal\u0103.<\/p>\n\n\n\n<p><strong>Infla\u021bie:<\/strong>Rata cu care cre\u0219te nivelul general al pre\u021burilor la bunuri \u0219i servicii, reduc\u00e2nd puterea de cump\u0103rare a banilor \u00een timp.<\/p>\n\n\n\n<p><strong>Punctaj de credit:<\/strong>O reprezentare numeric\u0103 a solvabilit\u0103\u021bii unei persoane pe baza istoriei sale de credit. Ajut\u0103 creditorii s\u0103 evalueze riscul de a \u00eemprumuta bani unei persoane.<\/p>\n\n\n\n<p><strong>Investi\u021bie:<\/strong>Ac\u021biunea de a aloca bani sau resurse unui activ, companie sau proiect cu a\u0219teptarea de a genera venituri sau profit \u00een timp.<\/p>\n\n\n\n<p><strong>Dob\u00e2nd\u0103 compus\u0103:<\/strong>Dob\u00e2nda acordat\u0103 nu numai pentru suma ini\u021bial\u0103, ci \u0219i pentru orice dob\u00e2nd\u0103 deja c\u00e2\u0219tigat\u0103. Poate cre\u0219te semnificativ o investi\u021bie sau poate conduce la acumularea datoriilor \u00een timp.<\/p>\n\n\n\n<p><strong>Crean\u0163\u0103:<\/strong>Bani datora\u021bi unui creditor. Poate include \u00eemprumuturi, solduri ale cardurilor de credit \u0219i alte forme de fonduri \u00eemprumutate.<\/p>\n\n\n\n<p><strong>Activ:<\/strong>Ceva de valoare pe care o persoan\u0103 sau o entitate \u00eel\/o de\u021bine, cum ar fi numerar, bunuri imobiliare, ac\u021biuni sau vehicule.<\/p>\n\n\n\n<p><strong>R\u0103spundere:<\/strong>O obliga\u021bie sau o datorie fa\u021b\u0103 de ter\u021bi, inclusiv \u00eemprumuturi, credite ipotecare \u0219i solduri ale cardurilor de credit.<\/p>\n\n\n\n<p><strong>Card de credit:<\/strong>Un card de plat\u0103 care permite persoanelor fizice s\u0103 fac\u0103 cump\u0103r\u0103turi pe credit, cu obliga\u021bia de a rambursa suma \u00eemprumutat\u0103, adesea cu dob\u00e2nd\u0103.<\/p>\n\n\n\n<p><strong>Asigurare:<\/strong>Un contract care ofer\u0103 protec\u021bie financiar\u0103 \u00eempotriva poten\u021bialelor pierderi sau riscuri, cum ar fi asigurarea de s\u0103n\u0103tate, via\u021b\u0103, proprietate sau auto.<\/p>\n\n\n\n<p><strong>Economii pentru pensii:<\/strong>Bani pu\u0219i deoparte sau investi\u021bi \u00een timpul anilor de munc\u0103 ai unei persoane pentru a oferi venituri \u0219i siguran\u021b\u0103 financiar\u0103 \u00een timpul pension\u0103rii.<\/p>\n\n\n\n<p><strong>Burs\u0103 de Valori:<\/strong>O pia\u021b\u0103 unde persoanele fizice \u0219i institu\u021biile cump\u0103r\u0103 \u0219i v\u00e2nd ac\u021biuni ale companiilor cotate la burs\u0103, reprezent\u00e2nd proprietatea \u00een acele companii.<\/p>\n\n\n\n<p><strong>Diversificare:<\/strong>R\u0103sp\u00e2ndirea investi\u021biilor \u00een diferite active sau tipuri de investi\u021bii pentru a reduce riscul, f\u0103r\u0103 a se baza foarte mult pe o singur\u0103 investi\u021bie.<\/p>\n\n\n\n<p><strong>Cre\u0219tere compus\u0103:<\/strong>Cre\u0219terea exponen\u021bial\u0103 a valorii unei investi\u021bii \u00een timp datorit\u0103 reinvestirii c\u00e2\u0219tigurilor sau rentabilit\u0103\u021bii.<\/p>\n\n\n\n<p><strong>Valoare net\u0103:<\/strong>Diferen\u021ba dintre activele totale \u0219i pasivele totale ale unei persoane, indic\u00e2nd pozi\u021bia sa financiar\u0103 general\u0103.<\/p>\n\n\n\n<p><strong>Antreprenoriat:<\/strong>Procesul de pornire, gestionare \u0219i dezvoltare a unei afaceri sau a unei \u00eentreprinderi, care implic\u0103 adesea asumarea riscurilor financiare pentru dob\u00e2ndirea profiturilor.<\/p>\n\n\n\n<p><strong>Obiectiv financiar:<\/strong>Un obiectiv specific \u0219i m\u0103surabil legat de bun\u0103starea personal\u0103 sau financiar\u0103, cum ar fi economisirea unui avans pentru o cas\u0103 sau achitarea datoriilor.<\/p>\n\n\n\n<p><strong>Raport de credit:<\/strong>O eviden\u021b\u0103 a istoricului de \u00eemprumut \u0219i rambursare a unei persoane, inclusiv conturile de credit, istoricul pl\u0103\u021bilor \u0219i eviden\u021bele publice, utilizate de creditori pentru a evalua bonitatea.<\/p>\n\n\n\n<p><strong>Educa\u021bie financiar\u0103:<\/strong>Cuno\u0219tin\u021bele, abilit\u0103\u021bile \u0219i \u00een\u021belegerea conceptelor \u0219i instrumentelor financiare necesare pentru a lua decizii informate cu privire la gestionarea banilor, economii, investi\u021bii \u0219i bugetare.<\/p>\n\n\n\n<p>Aceast\u0103 list\u0103 acoper\u0103 o serie de termeni esen\u021biali de alfabetizare financiar\u0103 care pot oferi o baz\u0103 solid\u0103 pentru \u00een\u021belegerea finan\u021belor personale \u0219i pentru a lua decizii financiare informate.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>ALTE<\/strong> <strong>MATERIALE VIDEO<\/strong> <\/p>\n\n\n\n<p><a href=\"https:\/\/www.youtube.com\/watch?v=4j2emMn7UaI\" data-type=\"URL\" data-id=\"https:\/\/www.youtube.com\/watch?v=4j2emMn7UaI\">EDUCA\u021aIE FINANCIAR\u0102 &#8211; MATERIAL COMPLET<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.youtube.com\/watch?v=3OXqQ1l9OgM\" data-type=\"URL\" data-id=\"https:\/\/www.youtube.com\/watch?v=3OXqQ1l9OgM\">TOT CE TREBUIE S\u0102 \u0218TII PENTRU A DEVENI INDEPENDENT FINANCIAR (EDUCA\u021aIE FINANCIAR\u0102) <\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.youtube.com\/watch?v=q5JWp47z4bY\" data-type=\"URL\" data-id=\"https:\/\/www.youtube.com\/watch?v=q5JWp47z4bY\">CELE PATRU REGULI PENTRU A-\u021aI DES\u0102V\u00c2R\u0218I EDUCA\u021aIA FINANCIAR\u0102<\/a><\/p>\n\n\n\n<p><strong>JOC DE ROL \u201eMISIUNEA FINANCIAR\u0102\u201d<\/strong><\/p>\n\n\n\n<p>\u201eMoney Matters: The Financial Quest\u201d este un joc de rol captivant, conceput pentru a educa \u0219i a echipa tinerii cu abilit\u0103\u021bi esen\u021biale de alfabetizare financiar\u0103 \u0219i economic\u0103. Printr-o experien\u021b\u0103 captivant\u0103 \u0219i interactiv\u0103, participan\u021bii vor naviga \u00een diferite scenarii din via\u021ba real\u0103, vor lua decizii financiare \u0219i vor \u00eenv\u0103\u021ba despre concepte cheie precum bugetarea, economisirea, investi\u021bia \u0219i antreprenoriatul. Jocul va stimula munca \u00een echip\u0103, g\u00e2ndirea critic\u0103 \u0219i abilit\u0103\u021bile de luare a deciziilor, oferind \u00een acela\u0219i timp cuno\u0219tin\u021be practice pentru a naviga cu succes \u00een peisajul financiar.<\/p>\n\n\n\n<p>Durata: aproximativ 90 minute<\/p>\n\n\n\n<p><strong><a href=\"http:\/\/ceevet.eu\/english\/wp-content\/uploads\/2023\/12\/JOC-DE-ROL-ED-FINANC.pdf\" data-type=\"URL\" data-id=\"http:\/\/ceevet.eu\/english\/wp-content\/uploads\/2023\/12\/JOC-DE-ROL-ED-FINANC.pdf\">DESCRIEREA ACTIVIT\u0102\u021aII &#8211; JOC DE ROL<\/a><\/strong><\/p>\n\n\n\n<p><strong>JOC \u201eASOCIERI FINANCIARE\u201d<\/strong><\/p>\n\n\n\n<p>Jocul Money Match-Up implic\u0103 potrivirea termenilor financiari cu defini\u021biile lor corespunz\u0103toare \u0219i este o modalitate interesant\u0103 de a implica participan\u021bii \u00eentr-un mod distractiv \u0219i educa\u021bional care \u00eent\u0103re\u0219te abilit\u0103\u021bile de alfabetizare financiar\u0103. Jocul \u00eencurajeaz\u0103 participan\u021bii s\u0103 \u00eenve\u021be despre diferite concepte financiare \u00een timp ce se distreaz\u0103.<\/p>\n\n\n\n<p>Durata: aproximativ 60 minute<\/p>\n\n\n\n<p><a href=\"http:\/\/ceevet.eu\/english\/wp-content\/uploads\/2023\/12\/joc-asocieri-financiare.pdf\" data-type=\"URL\" data-id=\"http:\/\/ceevet.eu\/english\/wp-content\/uploads\/2023\/12\/joc-asocieri-financiare.pdf\">DESCRIERE ACTIVITATE &#8211; JOC \u201dASOCIERI FINANCIARE\u201d<\/a><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>TEST TERMINOLOGIE EDUCA\u021aIE FINANCIAR\u0102<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-embed wp-block-embed-embed\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"5cGvFsKpi2\"><a href=\"https:\/\/ceevet.eu\/english\/qsm_quiz\/financial-literacy-quiz\/\">Financial Literacy Quiz<\/a><\/blockquote><iframe class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"\u00abFinancial Literacy Quiz\u00bb \u2014 \" src=\"https:\/\/ceevet.eu\/english\/qsm_quiz\/financial-literacy-quiz\/embed\/#?secret=lfP0Bhm1Ib#?secret=5cGvFsKpi2\" data-secret=\"5cGvFsKpi2\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<p><strong>ARTICOLE<\/strong><br>EntreComp Certificate: \u00ab<a href=\"http:\/\/ceevet.eu\/english\/wp-content\/uploads\/2023\/05\/Financial-and-Economic-Literacy.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><em>Financial and Economic Literacy Develop financial and economic know how<\/em><\/strong><\/a>\u00ab. European Erasmus+ Project 2019-UK01-KA201-062076.<br>Jabaily, B.: \u00ab<a href=\"http:\/\/ceevet.eu\/english\/wp-content\/uploads\/2023\/05\/Jabaily_economic_education.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><em>Economic Education &amp; Financial Literacy<\/em><\/strong><\/a>\u00ab. Federal Reserve Bank of Boston.<br>Hogarth, J. M.: \u00ab<a href=\"http:\/\/ceevet.eu\/english\/wp-content\/uploads\/2023\/05\/Financial-Education-and-Economic-Development.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><em><strong>Financial Education and Economic Development<\/strong><\/em><\/a>\u00ab. Federal Reserve Board, U.S.A.<\/p>\n\n\n\n<p><strong>C\u0102R\u021aI<\/strong><br>Knox, S.: \u00ab<em>The Basics of Financial Literacy<\/em>\u00ab.<br>Howard Jr, R. G.: \u00ab<em>Financial Literacy Education: Neoliberalism, the Consumer and the Citizen<\/em>\u00ab.<br>Lambert, A.: \u00ab<em>Financial Literacy for Managers: Finance and Accounting for Better Decision-Making<\/em>\u00ab.<br>Chang, H.J.: \u00ab<em>Economics: The User\u2019s Guid<\/em>e\u00bb.<br>Webster, K.: \u00ab<em>Circular Economy: A Wealth of Flows<\/em>\u00ab.<\/p>\n\n\n\n<p><strong>PAGINI WEB<\/strong><br><a href=\"https:\/\/www.nefe.org\/\"><strong>National Endowment for Financial Education<\/strong><\/a><br>O organiza\u021bie non-profit care se axeaz\u0103 pe educa\u021bia financiar\u0103. Ofer\u0103 resurse, materiale de cercetare \u0219i instrumente pentru a \u00eembun\u0103t\u0103\u021bi competen\u021bele financiare.<br><a href=\"https:\/\/www.oecd.org\/financial\/education\/\"><strong>OECD \u2013 Financial Education<\/strong><\/a><br>Organiza\u021bia pentru Cooperarea \u0219i Dezvoltarea Economic\u0103 (OECD) ofer\u0103 informa\u021bii \u0219i resurse despre educa\u021bia financiar\u0103, inclusiv rapoarte \u0219i programe educa\u021bionale.<br><a href=\"https:\/\/www.federalreserveeducation.org\/\"><strong>Federal Reserve Education<\/strong><\/a><br>Rezerva Federala a Statelor Unite ofer\u0103 resurse educa\u021bionale despre economie \u0219 finan\u021be. Pagina web ofer\u0103 lec\u021bii, jocuri interactive \u0219i materiale pentru educatori.<br><a href=\"https:\/\/www.circulareconomyclub.com\/\"><strong>Circular Economy Club<\/strong><\/a><br>O comunitate global\u0103 dedicat\u0103 promov\u0103rii economiei circulare.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>INTRODUCERE \u00cen lumea complex\u0103 \u0219i interconectat\u0103 de ast\u0103zi, alfabetizarea financiar\u0103 \u0219i economic\u0103 a ap\u0103rut ca un set de abilit\u0103\u021bi indispensabile pentru toat\u0103 lumea, \u00een special pentru tineri. Urm\u0103toarea genera\u021bie de lideri, inovatori \u0219i factori de decizie, tinerii trebuie s\u0103 navigheze \u00eentr-o economie global\u0103 dinamic\u0103 \u0219i s\u0103 fac\u0103 alegeri \u00een cuno\u0219tin\u021b\u0103 de cauz\u0103 cu privire la [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-full-width.php","meta":[],"_links":{"self":[{"href":"https:\/\/ceevet.eu\/romanian\/wp-json\/wp\/v2\/pages\/69"}],"collection":[{"href":"https:\/\/ceevet.eu\/romanian\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ceevet.eu\/romanian\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ceevet.eu\/romanian\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ceevet.eu\/romanian\/wp-json\/wp\/v2\/comments?post=69"}],"version-history":[{"count":9,"href":"https:\/\/ceevet.eu\/romanian\/wp-json\/wp\/v2\/pages\/69\/revisions"}],"predecessor-version":[{"id":208,"href":"https:\/\/ceevet.eu\/romanian\/wp-json\/wp\/v2\/pages\/69\/revisions\/208"}],"wp:attachment":[{"href":"https:\/\/ceevet.eu\/romanian\/wp-json\/wp\/v2\/media?parent=69"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}