Effectiveness of financial education programs: the case of young people monitored by local missions in France

Efficacité des programmes d'éducation financière: le cas des jeunes suivis par les missions locales en France

Sylvie Cieply (), Vincent Fromentin (), David Moroz (), Nadège Peltre () and Slim Souissi ()
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Sylvie Cieply: CREM - Centre de recherche en économie et management - UNICAEN - Université de Caen Normandie - NU - Normandie Université - UR - Université de Rennes - CNRS - Centre National de la Recherche Scientifique
Vincent Fromentin: CEREFIGE - Centre Européen de Recherche en Economie Financière et Gestion des Entreprises - UL - Université de Lorraine
David Moroz: Métis Lab EM Normandie - EM Normandie - École de Management de Normandie = EM Normandie Business School
Nadège Peltre: CEREFIGE - Centre Européen de Recherche en Economie Financière et Gestion des Entreprises - UL - Université de Lorraine
Slim Souissi: CREM - Centre de recherche en économie et management - UNICAEN - Université de Caen Normandie - NU - Normandie Université - UR - Université de Rennes - CNRS - Centre National de la Recherche Scientifique

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Abstract: 2 Since 2002, financial education has become a priority for OECD member countries. The level of financial literacy remains low in France, which highlights the need for targeted educational programs, particularly for young people and vulnerable populations. In 2016, France launched a "national strategy for economic, budgetary and financial education" entrusted to the Banque de France, which carries out actions with young adults in difficulty, onitored by the Missions Locales. The objective of the article is to evaluate the effectiveness of this program, based on surveys carried out in 2022 and 2023. Young people who have followed several financial education programs have shown better results. The article discusses these results and proposes measures to improve the financial culture of young adults in France. Integrating financial education into a comprehensive educational strategy is crucial to maximize its effectiveness.

Date: 2025-07
Note: View the original document on HAL open archive server: https://hal.science/hal-05165676v1
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Published in Revue d'économie financière, 2025, Où va l'épargne ?, 2 (158), pp.259-270. ⟨10.3917/ecofi.158.0259⟩

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Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:hal-05165676

DOI: 10.3917/ecofi.158.0259

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