الثقافة المالية | Financial Literacy

Go to Course: https://www.coursera.org/learn/financial-literacy

Introduction

### Course Review: الثقافة المالية | Financial Literacy In today's complex financial landscape, having a solid grasp of financial literacy is more crucial than ever. The online course "الثقافة المالية | Financial Literacy," available on Coursera, serves as a comprehensive guide for anyone looking to bolster their financial knowledge and management skills. Whether you are navigating personal finance for the first time or looking to refine your existing skills, this course provides unparalleled insights and practical strategies. #### Course Overview The course starts with the premise that financial decisions significantly impact our lives. It acknowledges the confusion many face when handling financial documents or making money-related choices. The course emphasizes that understanding financial literacy is essential for making informed decisions and avoiding costly mistakes. **Syllabus Breakdown:** 1. **أساسيات التخطيط المالي الشخصي (Basics of Personal Financial Planning):** This module offers an extensive overview of foundational personal finance topics, including methods for combating financial illiteracy, identifying and avoiding scams, understanding types of bank deposits, and learning how to select appropriate loans. You will also explore various saving strategies, debt management techniques, and cash flow management, all while learning key financial terminology. 2. **القروض والودائع (Loans and Deposits):** In this section, learners will dive into the intricacies of loans and deposits. It begins by defining loans, their characteristics, and associated risks. The module also provides guidance on selecting the right loan types and financial institutions while offering strategies for managing and eliminating debt. 3. **مواجهة الاحتيال المالي (Combatting Financial Fraud):** One of the most critical parts of the course is focused on recognizing and tackling financial fraud. This unit educates participants on various fraudulent techniques such as identity theft, credit card fraud, embezzlement, skimming, online shopping scams, and check fraud. It also outlines preventive measures to safeguard personal finances from such threats. 4. **القضاء على الأمية المالية (Eliminating Financial Illiteracy):** The course concludes with actionable tips and strategies for individuals to further enhance their financial awareness and competence, tackling the issue of financial illiteracy head-on. #### Course Strengths - **Comprehensive Content:** The course covers a wide range of topics essential for anyone looking to improve their financial acumen. Each module is designed to build upon the previous one, creating a cohesive learning experience. - **Practical Focus:** The emphasis on real-world application, such as how to choose loans wisely and manage debt, equips participants with the tools necessary to apply their learning immediately. - **Fraud Awareness:** Given the increasing prevalence of financial scams, the dedicated module on fraud is particularly valuable, ensuring participants can protect themselves effectively. - **Accessibility:** The course is designed to cater to learners at various levels, from beginners to those who may already have some familiarity with personal finance. #### Recommendations I highly recommend "الثقافة المالية | Financial Literacy" to anyone interested in enhancing their financial literacy. Whether you are a student, a working professional, or someone who simply wants to take control of their financial future, this course will empower you with the knowledge and tools needed to make informed financial decisions. In conclusion, the "Financial Literacy" course on Coursera is not only a learning program but a valuable investment in your financial future. By the end of the course, you will possess a deeper understanding of personal finance principles, which will help you navigate your financial journey with confidence. Don’t hesitate; enroll today and begin your path to financial empowerment!

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.

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.

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.

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