Financial Literacy of Croatian Citizens

U radu se ispituje financijska pismenost građana Hrvatske u dobi od 18 do 65 godina starosti na reprezentativnom uzorku stanovnika na regionalnoj razini (NUTS-2). Upitnik je kreiran na bazi OECD-ovog upitnika za financijsku pismenost radi međunarodne usporedivosti, ali uz prilagodbu nacionalnim uvjetima. Istraživanje je provedeno telefonskom anketom. Testirane su regionalne razlike u financijskoj pismenosti i razlike u socio- demografskim obilježjima populacije. Rezultati istraživanja su pokazali da financijska pismenost nije znacajno ovisna o regionalnoj pripadnosti. Razlike u financijskoj pismenosti mogu se bolje objasniti drugim socio- demografskim varijablama, u prvom redu obrazovanjem, dohotkom kucanstva i radnim statusom. (The paper investigates the financial literacy of the population aged 18 to 65 in Croatia on a representative sample on the NUTS- 2 regional level. The data were collected via telephone survey. The survey was based on the OECD financial literacy survey in order to ensure international comparison. Nevertheless, it was adjusted tonational circumstances. Regional differences in financial literacy and differences in socio-demographic characteristics of the population were tested. The results show that financial literacy does not depend significantly on region of residence. The differences in financial literacy can be better explained by other socio-demographic variables, notably education, household income and employment status.)