An Analysis of the Financial Literacy Levels of 8th and 9th Grade Students at Selected Elementary Schools and the Influence of Family Background on Its Development by 2026

This bachelor’s thesis examines the issue of financial literacy among elementary school students and the influence of family background on its level. The main objective of the thesis is to determine whether the family’s socioeconomic environment affects the level of financial literacy among 8th and 9th grade elementary school students. The theoretical part of the thesis focuses on defining financial literacy, its significance in contemporary society, methods for measuring it, financial education in the Czech Republic, and factors influencing financial literacy, with an emphasis on the family environment. The practical part is based on an original quantitative survey conducted among students at Velehrad Elementary School and Kunovice Elementary School. Data were collected through a test survey and a supplementary questionnaire focused on the socioeconomic characteristics of the respondents. The collected data were subsequently analyzed using correlation and regression analysis, and a comparison of results was conducted between the individual schools. The results of the study indicate only a weak relationship between the socioeconomic status of the respondents and their level of financial literacy, with more significant differences identified primarily between the individual schools. The study contributes to a better understanding of the factors influencing students’ financial literacy and highlights the importance of both the family environment and the school environment in the process of financial education.