الثقافة المالية | Financial Literacy from Coursera

لا يخفى على أحد أنه عندما يتعيّن علينا اتخاذ قرارٍ يتعلق بالأمور المالية في حياتنا الشخصية، أو حتى عند التعامل مع المستندات المالية فإننا نشعر بالارتباك، ونكون حذرين قبل اتخاذ القرار لأن الآثار المترتبة على اتخاذ أي قرارٍ خاطئٍ في هذا المجال بالتحديد قد تكلف صاحبها خسائر طائلةً هو في غنىً عنها، لذا فإنه من الضروري جداً امتلاك ثقافةٍ ماليةٍ تجعل صاحبها على درايةٍ وتمكنه من إدارة الأموال بفاعلية، وبالتالي تجعله قادراً على اتخاذ قراراتٍ أكثر دقة، وتكون مبنيةً على أساسٍ متينٍ من الثقافة والمعرفة المالية.

تهدف هذه الدورة التدريبية إلى تمكين المتدربين من تثقيف أنفسهم مالياً من خلال زيادة وعيهم المالي فيما يتعلق بالمصطلحات المالية والمصرفية، وكيفية عمل خطة مالية شخصية تتضمن وضع الميزانية، وإدارة التدفق المالي وحساب النفقات، بالإضافة إلى تزويدهم بالمهارات والمعلومات التي تساعدهم في التعامل مع القروض والودائع وعمليات الاحتيال.

هذه الدورة هي دورة تمهيدية؛ فهي تلقي الضوء على أساسيات الموضوع بشكل عام بهدف التعريف به وبمحاوره الأساسية التي يجب الإلمام بها، وتتكون من 4 محاور رئيسية يتضمنها عدد من التقييمات للتأكد من مدى فهم المتدربين للمواضيع المطروحة.

إذا كنت من المهتمين بإتقان الثقافة المالية أو كان مجال عملك يتطلب إتقان تلك المهارات وتوظيفها في سياق عملك، فهذه الدورة ستكون مثالية لإغناء خبرتك وتطوير مهاراتك في فهم وتحليل ذلك بشكل فعال ومؤثر.

حيث ستزودك هذه الدورة باطلاع واسع ودقيق على مجموعة من المحاور المتعلقة بهذا الموضوع، مثل: شرح تطبيق أساليب القضاء على الأمية المالية في المجالات المختلفة، تحديد طرق الاحتيال وكيفية تجنبها، توضيح أنواع الودائع وأقسامها، التعرف على كيفية اختيار القرض المناسب، تبيان خصائص القروض ومخاطرها، شرح أساليب الادخار المختلفة، التعرف على كيفية إدارة الديون، تحديد طرق تقليل النفقات الشخصية، شرح كيفية إدارة التدفقات النقدية، استعراض أهم المصطلحات المالية والمصرفية المتداولة، التعرّف على مفهوم الثقافة المالية وأهميتها، تطبيق أساسيات التخطيط المالي الشخصي.

What's inside

Syllabus

أساسيات التخطيط المالي الشخصي

ستزودك هذه الدورة باطلاع واسع ودقيق على مجموعة من المحاور المتعلقة بهذا الموضوع، مثل: شرح تطبيق أساليب القضاء على الأمية المالية في المجالات المختلفة، تحديد طرق الاحتيال وكيفية تجنبها، توضيح أنواع الودائع وأقسامها، التعرف على كيفية اختيار القرض المناسب، تبيان خصائص القروض ومخاطرها، شرح أساليب الادخار المختلفة، التعرف على كيفية إدارة الديون، تحديد طرق تقليل النفقات الشخصية، شرح كيفية إدارة التدفقات النقدية، استعراض أهم المصطلحات المالية والمصرفية المتداولة، التعرّف على مفهوم الثقافة المالية وأهميتها، تطبيق أساسيات التخطيط المالي الشخصي.

القروض والودائع

ستزودك هذه الوحدة بأهم المعلومات المتعلقة بالقروض والودائع ابتداءً بمفهوم القرض وخصائصه ومخاطره، وكيفية اختيار نوع القرض والبنك الأفضل للحصول على قرض، وكيفية التخلص من القروض، ثم الانتقال إلى الوديعة ومفهومها، وأنواع حسابات الودائع ومزاياها.

مواجهة الاحتيال المالي

تناقش هذه الوحدة موضوعاً في غاية الأهمية وهو الاحتيال من خلال التعرف على طرق الاحتيال المختلفة وكيفية مواجهته. ومن هذه الطرق التي ستتم مناقشتها: سرقة المعلومات الشخصية، احتيال بطاقات الائتمان، الاختلاس، والقشط، واحتيال الشراء عبر المواقع الإلكترونية، واحتيال القروض، وأخيراً احتيال الشيكات.

القضاء على الأمية المالية

ختام البرنامج التدريبي هو عبارة عن نصائح وطرق يمكنك اتباعها وتطبيقها للقضاء على الأمية المالية وزيادة الثقافة المالية والوعي المالي لديك.

Good to know

Know what's good

, what to watch for

, and possible dealbreakers

Targets beginners seeking to strengthen their personal finance skills

Taught by Alfaisal.KLD, who are experienced in finance-related matters

Examines core financial concepts, including budgeting, cash flow management, and debt management

Covers practical skills, such as avoiding fraud and choosing the right financial products

May be less in-depth than specialized finance courses

Activities

Be better prepared before your course. Deepen your understanding during and after it. Supplement your coursework and achieve mastery of the topics covered in الثقافة المالية | Financial Literacy with these activities:

Read Rich Dad Poor Dad by Robert Kiyosaki

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Reading Rich Dad Poor Dad will provide you with valuable insights into financial literacy and the importance of financial education, which will complement the concepts covered in this course.

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Obtain a copy of Rich Dad Poor Dad
Read the book thoroughly
Reflect on the key concepts and lessons learned

Review financial budgeting basics

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Reviewing financial budgeting basics will help you understand the core concepts of personal finance management, which is essential for this course.

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Read articles or watch videos about financial budgeting
Create a sample budget to practice applying the concepts
Discuss budgeting strategies with a friend or family member

Develop a savings and investment strategy

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Developing a savings and investment strategy will help you plan for your financial future and make informed decisions about how to grow your wealth, which is a fundamental aspect of personal finance management.

Browse courses on Investment Planning

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Research different savings and investment options
Determine your risk tolerance and investment goals
Create a diversified portfolio that aligns with your goals and risk tolerance
Monitor your investments and make adjustments as needed

Two other activities

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Compile a financial literacy resource list

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Compiling a financial literacy resource list will allow you to organize and access a variety of resources on the topic, which can be valuable for ongoing learning and reference.

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Gather financial literacy resources from various sources (books, articles, websites, videos, etc.)
Organize the resources into a list or database
Share the resource list with others who may benefit from it

Mentor someone who is interested in improving their financial literacy

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Mentoring someone who is interested in improving their financial literacy will allow you to reinforce your own understanding of the subject matter and share your knowledge with others, which can be a rewarding and fulfilling experience.

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Identify someone who is interested in improving their financial literacy
Offer your guidance and support
Share your knowledge and experiences
Provide feedback and encouragement

Career center

Learners who complete الثقافة المالية | Financial Literacy will develop knowledge and skills that may be useful to these careers:

Budget Analyst

A Budget Analyst prepares and analyzes budgets for organizations. The course on financial literacy will help you understand the principles of budgeting and how to develop and implement effective budgets. The course will also help you develop the skills you need to monitor and control budgets.

See salaries and explore the career path for Budget Analyst

Financial Analyst

A Financial Analyst examines financial data to forecast future financial trends and make investment recommendations. The course on financial literacy will help you understand the basics of financial planning, which is essential for analyzing financial data. The course will also help you develop the skills you need to communicate your findings to clients and other stakeholders.

See salaries and explore the career path for Financial Analyst

Personal Financial Advisor

A Personal Financial Advisor provides financial advice to individuals and families. The course on financial literacy will help you gain the knowledge and skills you need to provide sound financial advice. The course will cover topics such as budgeting, saving, investing, and retirement planning. This knowledge and skills will help equip you for success as a Personal Financial Advisor.

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Loan Officer

A Loan Officer originates and processes loans for individuals and businesses. The course on financial literacy will help you understand the different types of loans available and how to assess the creditworthiness of borrowers. The course will also help you develop the skills you need to close loans.

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Bank Teller

A Bank Teller processes financial transactions for customers. The course on financial literacy will help you understand the different types of financial transactions and how to process them correctly. The course will also help you develop the skills you need to provide excellent customer service.

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Insurance Agent

An Insurance Agent sells insurance policies to individuals and businesses. The course on financial literacy will help you understand the different types of insurance policies available and how to assess the risks of your clients. The course will also help you develop the skills you need to close sales.

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Tax Preparer

A Tax Preparer prepares tax returns for individuals and businesses. The course on financial literacy will help you understand the tax laws and how to prepare accurate tax returns. The course will also help you develop the skills you need to provide tax advice to clients.

See salaries and explore the career path for Tax Preparer

Credit Counselor

A Credit Counselor helps individuals and families manage their debt. The course on financial literacy will help you understand the different types of debt and how to develop a plan to manage debt effectively. The course will also help you develop the skills you need to provide counseling to clients.

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Financial Planner

A Financial Planner helps individuals and families plan for their financial future. The course on financial literacy will help you understand the different aspects of financial planning, such as budgeting, saving, investing, and retirement planning. The course will also help you develop the skills you need to create and implement financial plans for clients.

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Investment Banker

An Investment Banker helps companies raise capital. The course on financial literacy will help you understand the different types of investment banking services and how to value companies. The course will also help you develop the skills you need to pitch clients and close deals.

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Actuary

An Actuary analyzes financial risks for insurance companies and other organizations. The course on financial literacy will help you understand the different types of financial risks and how to measure and mitigate them. The course will also help you develop the skills you need to create and implement risk management strategies.

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Economist

An Economist studies the economy and makes predictions about its future performance. The course on financial literacy will help you understand the different economic indicators and how to analyze them. The course will also help you develop the skills you need to write economic reports and make presentations.

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Market Researcher

A Market Researcher studies the market for a particular product or service. The course on financial literacy will help you understand the different types of market research and how to conduct them. The course will also help you develop the skills you need to analyze market research data and make recommendations.

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Sales Manager

A Sales Manager leads a team of salespeople and is responsible for achieving sales targets. The course on financial literacy will help you understand the different sales techniques and how to motivate and manage a sales team. The course will also help you develop the skills you need to create and implement sales strategies.

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Business Analyst

A Business Analyst analyzes business processes and makes recommendations for improvement. The course on financial literacy will help you understand the different types of business analysis and how to conduct them. The course will also help you develop the skills you need to write business analysis reports and make presentations.

See salaries and explore the career path for Business Analyst