Ejo Heza saving scheme should implement practical workshops or seminars specifically designed to educate members

The gap

Evidence profile

Sourced from the recommendations and future work of the source papers, classified as general, drawn from work published between 2024 and 2026, spanning 3 journals.

Supporting evidence — 3 representative gaps

• The Effect of Financial Literacy on Ejo Heza Saving Scheme. A Case of Savers in Kicukiro District (2024) · Journal of Finance and Accounting · doi

  Ejo Heza saving scheme should implement practical workshops or seminars specifically designed to educate members on creating and utilizing budgets effectively. Ejo Heza saving scheme should need to develop comprehensive modules that focus on financial planning techniques. Cover aspects like setting financial goals, investment strategies, and long- term planning. Ejo Heza saving scheme is recommended to conduct specialized sessions dedicated to debt management. Offer strategies and tips for responsible borrowing, debt reduction, and smart repayment methods. Ejo Heza saving scheme need to create awareness programs that educate members on identifying and managing financial risks.

  generalrecommendationsevidence 5/5
  Keywords: heza saving scheme financial educate members need planning strategies debt implement practical workshops seminars specifically
• Financial Literacy and Investment Decisions of Public University Students in Bayelsa State: The Role of Debt Management and Savings Literacy (2026) · Journal of Accounting and Financial Management · doi

  Based on the findings, this paper recommends the following: 1. 2. Educational institutions should organize seminars and workshops on debt management, such as understanding interest rates, repayment plans, and the long-term impact of borrowing. These programs should be designed to enhance students' ability to manage debt effectively, thereby improving their investment decisions. Educational institutions should incorporate courses on savings literacy into their curricula by offering dedicated classes and seminars led by financial experts. These initiatives could include workshops on practical saving strategies, lessons on building emergency funds, and courses on personal finance management, such as 'Money Management 101' or 'Financial Planning for Young Adults.' Such programs should provide students with practical approaches to saving, emphasize the importance of IIARD – International Institute of Academic Research and Development Page 42 Journal of Accounting and Financial Management E-ISSN 2504-8856 P-ISSN 2695-2211 Vol 11. No. 6 2025 www.iiardjournals.org online version setting financial goals, and promote long-term financial planning to positively influence their investment decisions.

  generalrecommendationsevidence 5/5
  Keywords: financial management educational institutions seminars workshops debt long term programs students investment decisions courses practical
• Teaching Financial Literacy with a STEAM Approach (2026) · Athens Journal of Τechnology & Engineering · doi

  Future research should include longitudinal studies to assess the retention of financial concepts and compare outcomes with control groups. The STEAM approach could also be adapted to other domains such as physics and chemistry. We received the following comments from female teaching assistants regarding the course theme and instructional materials: 191 Vol. 13, No. 3 Sakai et al.: Teaching Financial Literacy with a STEAM Approach - “I was nervous, but it was a valuable experience.” - “I found the simulations useful and could easily understand the outcomes of long-term savings.” - “I should have practiced the simulation a bit more. I’m glad I learned about interest rates through this course. I hope to apply this knowledge when borrowing money in the future.” The results of the questionnaire indicate that the course was effective for learners and demonstrated promise as a STEAM education tool. Looking ahead, we propose the development of two new teaching tools for future implementation:

  generalfuture workevidence 5/5
  Keywords: future steam teaching course financial outcomes approach include longitudinal assess retention concepts compare control groups

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