How to Improve Financial Literacy in Hindi

Vittiya Saksharta Mein Sudhaar Kaise Karein / How to Improve Financial Literacy.

Bharat ke aarthik vikas ke gatisheel paridrashya mein vittiya saksharta ( Financial Literacy) ka mahatv kam karke nahi aankha ja sakta. Jaise jaise Bharat ka middle class (and its income levels) badh raha hai, vyaktiyon ko soochit vittiya nirnay lene ke liye gyaan aur sashaktikaran ki avashyakta adhik hoti ja rahi hai.

How to Improve Financial Literacy in Hindi

Halanki vibhinn kshetron mein ullekhaneey pragati hui hai, vittiya saksharta mein abhi bhi kaafi antar hai, jo vibhinn janasaankhiyon ko prabhavit kar raha hai.

Is sandarbh mein, Bharat mein vittiya saksharta ki vartamaan sthiti, aam tor par saamne aane wali chunautiyan, chal rahi pahlen aur vittiya roop se sakshar aabaadi ko badhawa dene ke upaayon par ek nazar daali gayi hai.

Bharat mein vittiya saksharta ki sthiti asamaan hai. Kai log buniyadi vittiya gyaan se vanchit hain, jabki kuch shikshit varg ise samajhne mein saksham hain.

Financial Literacy mein Chunautiyan importance rule play karte hain.

1. Agyanta : Vittiya utpaadon aur sevaon ke prati jaagrukta ki kami.

2. Sanskriti : Parampraagat bachat aur nivesh ke tarikon ka prabhav.

3. Technology : Digital vittiya sevaon ke prati anichha.

Sudhaar Ke Upaay

1. Vittiya Shiksha Ko Badhaawa Dena : Schoolon aur colleges mein ise anivarya karna.

2. Digital Platform : Mobile apps aur websites ke madhyam se jaankari uplabdh karana.

3. Samudaayik Karyakram : Sthaniya star par workshops aur seminars aayojit karna.

Is tarah ke upaay Bharat ki aarthik bhalaai mein parivartanakari bhumika nibha sakte hain aur vittiya saksharta ko badhawa dene mein sahayak ho sakte hain.

vitteey saaksharata kyon maayane rakhatee hai /Why Financial Literacy Matters

Vittiya saksharta ka arth hai vyakti ki vah kshamata jo unhein apne vittiya maamalon ko prabhavit tarike se prabandhit karne mein madad karti hai. Ismein dhan, nivesh aur financial goals ke baare mein samajhdari se nirnay lena shamil hai.

Morningstar ka mission niveshak ki safalta ko sashakt banana hai. Unka mannaa hai ki jab logon ke paas uch gundvattapoorn vittiya jaankari hoti hai, to ve behatar vikalp chun sakte hain aur bhavishya mein behatar parinaam prapt kar sakte hain.

Halaanki, shodh se pata chalta hai ki log aksar vittiya galtiyan karte hain, jaise ki apni sewanivritti yojanaon mein paryapt yogdaan na dena ya galat portfolio chunna. In galtiyon ke peeche aksar vittiya saksharta ki kami hoti hai.

Bharat mein vittiya saksharta ko badhava dene ke prayas chal rahe hain, lekin abhi bhi kaafi kaam karna baaki hai. Ise samajhne se yah spasht hota hai ki vittiya saksharta logon ko apne vittiya nirnayon mein adhik saksham banati hai, jisse unhein behatar bhavishya ki sambhavanayein milti hain.

kya adhik mahatvapoorn hai, saaksharata ya vitteey saaksharata?/what is more important, literacy or financial literacy?

Yah prashn ki "Kya adhik mahatvapurn hai, saksharata ya vitteey saksharata?" Bharatiya arthavyavastha (Indian economy) ke sandarbh mein bahut mahatvapurn hai. Aaj ki tezi se vikasit ho rahi arthavyavastha mein, har vyakti ka safal hona aur aarthik asthirata ke bawajood naye avasaron ko prapt karna vitteey saksharata (financial literacy) par nirbhar karta hai.

Vitteey Saksharata ka Mahatva

Vitteey saksharata keval ek vyakti ko aarthik sthirta aur bhavishya ki yojana banane mein madad nahi karti, balki yah samagra arthavyavastha ke vikas mein bhi yogdan deti hai. Ek vitteey roop se sakshar vyakti apne vitteey nirnayon ko behtar tareeke se le sakta hai, jisse uska parivaar aur samaj bhi laabh prapt karte hain.

Vartaman Sthiti

Bharat mein vitteey saksharata ki dar anya vikasit deshon ki tulna mein kam hai. Ise sudharne ke liye New Education Policy (NEP) 2020 ne vitteey saksharata ko chhatron ke vikas ke liye aavashyak tatvon mein se ek maana hai. Prarambhik charan mein bachchon ko vitteey saksharata sikhane se ve aarthik anishchitata ka saamna karne mein aatmavishwas mehsoos kar sakte hain.

2047 ka Lakshya

Bharat ka 2047 tak ek vikasit rashtra banne ka sapna vitteey saksharata par nirbhar karta hai. Vitt mantri ne bhavishyavani ki hai ki Bharat ki GDP 30 trillion dollar tak pahunch jayegi, aur iske liye vitteey samriddhi ki kunji vitteey saksharata mein nihat hai.

Digital Vitteey Saksharata

Digital vitteey saksharata ka mahatva bhi badh raha hai. Yah vibhinn nivesh vikalpon ki jankari pradan karta hai aur vitteey lakshyon ko nirdharit karne mein madad karta hai. Online banking, cryptocurrency, digital bhugtaan, aur cyber suraksha jaise kaushal aaj ke samay mein aavashyak hain.

Chunautiyan

Halankeh, shahri aur grameen kshetron mein digital takneekon ki upalabdhata mein antar hai. Yadi grameen Bharat digital vitteey saksharata prapt karta hai, to ve arthavyavastha mein sakaratmak yogdan de sakte hain.

Bharat ki shiksha pranali ko NEP 2020 ke madhyam se vitteey aur digital vitteey saksharata sikhane ki pahal karni chahiye. Sabhi staron par schoolon aur colleges mein ise shamil karna aavashyak hai, taaki vyaktiyon ko upalabdh digital vitteey sevanon ka upyog karne ke liye sashakt banaya ja sake. Digital vitteey saksharata na keval vyaktiyon ko svatantra banati hai, balki arthavyavastha ko majboot aur vistaar karne ka ek avsar bhi pradan karti hai.

vitteey saaksharata chhotee umr se hee shuroo honee chaahie skoolon mein /Financial Literacy Should Start From a Young Age – at Schools

Kramik sudhaaron ke baavajood, adhyayanon se pata chalata hai ki adhikaansh bhaarateeyon mein abhee bhee buniyaadee vitteey saaksharata ka abhaav hai. kaee log bajat, bachat aur nivesh jaisee vitteey avadhaaranaon se anajaan hain. gyaan kee kamee ke parinaamasvaroop aksar kharaab vitteey nirnay ho sakate hain, jinamen uchch star ka rn, aparyaapt sevaanivrtti bachat aur aparyaapt beema kavarej shaamil hain.

Haal hee mein National Finance Olympiad kee report mein paaya gaya ki bhaarat ke keval 16% chhaatr vitteey roop se jaagarook the. bhaarat mein vayaskon ke lie yah sankhya lagabhag 27% hai, jo United Kingdom, Canada, U.S., and Germany jaisee adhik unnat arthavyavasthaon kee tulana mein kaaphee kam hai.

Shiv Bidani, co-founder of National Finance Olympiad bataate hain, “The main reason for this is the unavailability of structured education around financial literacy for students,”

ve kahate hain, adhikaansh bhaarateeyon ke beech lagaataar kam vitteey saaksharata ka star gaharaee se base saanskrtik maanadandon se upaja hai, jahaan paise ke maamalon ko varjit maana jaata hai aur is par bahut khulakar charcha nahin kee jaatee hai.

kaee gharon mein, pramukh vitteey nirnay parivaar ke any sadasyon ke paraamarsh ke bina ek vyakti dvaara lie jaate hain. Bidani kahate hain, .“This will take incredible effort to change and will come with its own challenges,” .

vah chhotee umr se hee vitteey saaksharata ko jameenee star par sambodhit karane kee vakaalat karate hain. aisa karane ka ek prabhaavee tareeka yuva chhaatron tak pahunchana hai aur unhen skoolee paathyakram ke maadhyam se vitteey shiksha se lais karana hai aur “train them to make the right decisions about their money matters,” unhonne not kiya.

dhan ka parichay, nivesh, rn aur kredit, dhokhaadhadee aur ghotaale, aur dhan prabandhan jaise vishay chhaatron kee vitteey avadhaaranaon kee samajh ko mahatvapoorn roop se badha sakate hain.

vitteey saaksharata mein vitteey niyojan kee badhatee bhoomika / The Increased Role of Financial Planning in Financial Literacy

vitteey niyojan ke mahatv ke baare mein jaagarookata badh rahee hai kyonki adhik se adhik vyakti peshevar salaah lena chaahate hain. udaaharan ke taur par The Financial Independence Retire Early (FIRE) movement lokapriyata haasil kar raha hai. Bidani kahate hain, “People are actively talking about the Golden Number: the wealth one needs to accumulate in order to live a financially independent life,”

Bidani ne bataaya ki niveshak bhee tejee se real estate to low-capex assets aur new financial instruments such as real estate investment trusts (REITs) aur fixed income products (corporate debt), jaise nae vitteey saadhanon mein vividhata la rahe hain.

Bidani kahate hain, “Our findings indicate a direct correlation between financial planning and literacy and the per-capita income of a region,” vah kahate hain ki ameer bhaarateey parivaar aarthik roop se adhik saakshar hote hain, aur aage kahate hain, “the government has an important part to play in imparting this information to a wider demographic.”

Bhaarat ke pramukh shaharon aur chhote shaharon ke skoolon ke beech vitteey saaksharata ko apanaane mein bhee antar dikhaee deta hai. bidaanee kahate hain, tiyar 1 shaharon ke skool badalaav ka netrtv karake sakriy bhoomika nibha rahe hain. unaka kahana hai, haalaanki, tiyar 2 aur 3 shaharon ke skool vitteey shiksha ko apanaane mein peechhe hain, lekin antar "slowly but consistently" kam ho raha hai.

vitteey saaksharata phailaane mein madad ke lie sarakaar kya kar sakatee hai? / What Can the Government Do to Help Spread Financial Literacy?

The government and financial institutions janata ko financial management ke baare mein shikshit karane ke lie pahal kar rahe hain. udaaharan ke lie, RBI ne vitteey jaagarookata aur shiksha ko badhaava dene ke lie kadam uthae hain, jisamen onalain paathyakram, vitteey saaksharata shivir aur seminaar shaamil hain, jabaki India’s securities regulator SEBI organizes desh bhar mein niveshak sanghon ke sahayog se niveshak shiksha kaaryakram aayojit karata hai.

sahee darshakon ko lakshit karana mahatvapoorn hai, lekin aksar in pahalon mein paryaapt prachaar ka abhaav hota hai. Bidani ka tark hai ki bahut se log nahin jaanate ki ye sansaadhan upalabdh hain. .“There is a lot of publicly available material that can be downloaded from these institution websites, but unfortunately many Indians are unaware about such material,” vah kahate hain.

Bidani ka tark hai, “Financial education must take a front seat and be mandated in the form of government policies,” Bidani argues, adding that “schools and colleges are the best place to begin.”

saath hee, financial institutions ko apane graahakon ko vishesh roop se dhokhaadhadee kee rokathaam ke sambandh mein practical financial knowledge pradaan karana chaahie.

vitteey niraksharata ka prabhaav/ Impact of Financial Illiteracy

aarthik roop se ashikshit vyakti paison ke maamale mein galat vikalp apanaate hain, jisase ve karj ke jaal mein phans jaate hain, nivesh ke jokhim bhare phaisale lete hain aur ghotaalon ka shikaar ban jaate hain. jin logon ke paas vitteey shiksha ka abhaav hai ve bhee shikaaree prathaon ke prati sanvedanasheel hain. kuchh rnadaata prati maah 3% kee avaastavik byaaj dar lagaate hain jo lagabhag 36% prati varsh hotee hai.

vitteey shiksha mein sudhaar kaise karen/ How to Improve Financial Education

Lamas bataate hain ki sabhee staron par, shodh se pata chalata hai ki saamaany vitteey shiksha kaksha lene ke kuchh phaayade hain. vitteey saaksharata kaaryakram ka yah roop kuchh vitteey upakaranon aur vishayon ke baare mein jaagarookata laata hai jo baad mein upayogee ho sakate hain. haalaanki, ise prakriya kee shuruaat ke roop mein dekha jaana chaahie lambee avadhi mein adhik soochit vitteey nirnay lene kee disha mein pahala kadam.

Lamas ne anusandhaan ke kuchh aashaajanak agale charan saajha kie/ Lamas shares a few promising next steps from the research:

angoothe ke niyamon ko shaamil karen. upayog mein aasaan vitteey niyam hamesha lokapriy rahe hain, lekin jaisa ki yah pata chala hai, ve sahaayak bhee ho sakate hain. maujooda shodh mein angoothe ke niyam par aadhaarit vitteey shiksha kaaryakram kee paaramparik shiksha se tulana karate hue paaya gaya ki angoothe ke niyam ke paathyakram mein bhaag lene vaalon ne baad mein behatar vitteey vyavahaar pradarshit kiya. jab aapakee vitteey prakriya mein ek saamaany niyam ko shaamil karane kee baat aatee hai, to bas yah sunishchit karen ki aap vah chunen jo aapakee jeevanashailee aur vitteey lakshyon ke saath achchhee tarah se phit baithata ho.

jab sandeh ho, to ise svachaalit karen. ham aajakal praudyogikee se ghire hue hain, to isaka upayog apane laabh ke lie kyon na karen? udaaharan ke lie, yadi aapaka lakshy har maheene adhik bachat karana hai, to vetan milate hee apane cheking khaate se apane bachat khaate mein svachaalit sthaanaantaran set karen. sakaaraatmak vitteey vyavahaaron ko svachaalit karane ke lie praudyogikee ka upayog karana kaarravaee ko "drshti se door, dimaag se baahar" rakhata hai, saath hee yah sunishchit karata hai ki aap apanee yojana par kaayam rahen.

ise ek aadat bana len. yadi praudyogikee aapake paas nahin hai, to agalee sabase achchhee baat yah hai ki vitteey vyavahaar ko ek aadat bana len. aadat ek maanasik shortakat hai jise hamaara dimaag apanaata hai, jinamen se kaee anajaane mein hote hain kyonki ve kuchh aisa ban jaate hain jo ham svachaalit roop se karate hain. iseelie sakaaraatmak vitteey vyavahaar kee aadat banaana ek shaktishaalee upakaran ho sakata hai. bahut jald, aap sahajata se vitteey nirnay lene lagenge.

uchit samay par shiksha ko shaamil karen. yadi aap haee how to sign up for a systematic investment plan, or SIP, in high school mein seekhate hain, to ho sakata hai ki yah varshon baad bhee aapake saath na rahe jab aap apanee pahalee naukaree shuroo karenge. isake bajaay, shodh se pata chalata hai ki uchit samay par shiksha ke peechhe ek vaada hai. yah takaneek tab saamagree sikhaatee hai jab kisee vyakti ko praasangik nirnay lene kee aavashyakata hotee hai. example ke lie, new employees ko job ke first week mein financial education program pradaan karana, jisase ve jo seekhate hain usaka turant upayog kar saken.

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