理財教育融入國中課程教學成效之研究

The effectiveness of implementation on the integration of financial education into junior high school established curricula

本研究旨在探究理財教育融入國中課程教學成效，研究挑選出符合我國國中學生的理財主題來融入本次理財教育課程，而本研究以「國民中學學生理財觀調查問卷」做為學生前後測評量之研究工具，研究對象為研究者任教之國中八、九年級各兩班學生，前後測問卷各發出138份來做理財教學前後測差異分析，最後，再藉由訪談參與實驗教學的十六位學生及十四位協同研究教師，來瞭解本次教學成效及對課程的相關建議，而根據研究發現，歸納本研究結論如下：從學生前後測量化分析結果來看本次理財教育融入國中課程教學成效一、就整體而言，每一項理財教育主題的後測結果都高於前測結果，顯示透過理財教育課程的實施，對增進學生理財觀念是具有相當成效。二、就認知而言，透過理財教育的實施，對學生理財觀念的提昇相當有效，且適合八、九年級學生學習，不會造成學習上的困擾。三、就學習態度而言，在接受理財教育相關課程之後，學生對理財教育課程展現了相當濃厚的學習意願。而對參與師生訪談的結果，可發現教師與大多數實驗組學生對理財教育活動課程的回應皆為正向。

The aim of this study was to investigate the effectiveness of integrated curriculum on the financial education in the junior high schools. The researcher selected some financial subjects which suitable for Taiwan junior high school students to integrate into the experimental financial courses. The experimental curricula were carried out on eighth and ninth grade students in researcher's school. There were 138 students responding to 'Junior High School Students' Perceptions of Managing Finances Questionnaire' before and after the experimental courses. Then, the study analyzed the differences between before and after these courses. Finally, 16 students and 14 teachers who participated in the experimental curriculums were interviewed. The data collected from questionnaires and interviews were analyzed uantitatively and qualitatively to evaluate the effectiveness of instructions and to understand relevant recommendations. Based on the findings, conclusions drawn from this study are as follows: The study showed the effectiveness of the experimental financial course in junior high school from qualitatively analysis. 1. On the whole, the post-test scores are higher than the pre-test in every financial education theme. That shows financial education programs ffectively promoted students' concept of financial management. 2. With regard to students' cognition, students learned and realized the importance of financial management. These courses were suitable for eighth and ninth grade students to learn, and the courses did not cause their learning difficulties. 3. As for students' attitude towards learning, after taking the financial education programs, students expressed strong willingness to learn relevant financial courses. As to the result of in-depth interview, the teachers and most students in the experimental group gave positive feedback to the experimental curriculums.