Rainy and Sunny Days in Finances – Boris Jokić, Institute for Social Research

Published: 9/1/2026

In this episode of the HNB Podcast we are joined by Boris Jokić, director of the Institute for Social Research in Zagreb, who will talk about young people’s views on sustainable personal finances, environmental responsibility in financial decisions and forecasts for financial markets.

Sections:

01:22
Section 1: You have recently moderated a panel discussion between Danish and Croatian secondary school students. What are their views on the very important and difficult topic such as sustainable finances?
The students expressed very informed views on financial literacy. During the discussion we listened carefully to their different, but generationally similar perspectives.
02:42
Section 2: Where do students collect information on money and finances, in the education system or in the family environment, from their parents?
When it comes to money and finances, Croatian students mostly gather information from their parents. Danish students, on the other hand, are primarily provided with such information in the education system.
03:47
Section 3: What is Croatia’s financial literacy score?
Croatian students’ financial literacy score is below the OECD average, but the score of older generations is not any better. All this suggests that we should take a different approach to spreading financial literacy.
06:27
Section 4: Are students satisfied with the existing education system? Do they think that formal education should provide them with more financial knowledge?
Students really want to learn about finances through formal education and make it clear that they lack such content in schools and that the education system does not sufficiently provide them with real-life skills and knowledge.
08:07
Section 5: What future do secondary students envisage when it comes to climate change and the green transition, which is closely related to sustainable finances?
Young people recognize climate change as an important civilisational problem, which is in line with global research. However, they are not fully prepared to adjust their behaviour and lifestyle habits to reduce their carbon footprint.
12:11
Section 6: How important to young people is the support and guidance of the family, adults in general, and public institutions?
Socially responsible behaviour of adults is to give young people the opportunity to clearly state their views, which are very interesting and varied. Young people love it when they are given responsibility and rules along with room for freedom, and precisely such guidance by adults and institutions gives young people the necessary support.