Term

Spring 2026

Capstone

Thesis

Degree Name

MAT

Primary Advisor/Dissertation Chair

Julia Reimer

Abstract

The Effects of a Financial Literacy-Based Classroom Economy Model on Student Behavior, Engagement, and Financial Literacy by Liahna Sauter employed a mixed methods research approach and used surveys, assessments, frequency charts, finance reports, and observations to learn more about the financial literacy-based classroom economy model. Different classroom economy models, namely token economies, are used widely across the educational sphere; though, financial literacy-based approaches do not have well-documented data surrounding their effectiveness. The financial literacy model aims to instruct students on real-world financial literacy concepts while simulating a real-world economy and incentivising positive behavior. Influenced by financial literacy-based classroom economy models observed in other classrooms, this study created a new model along with financial literacy mini lessons to observe how students behavior, engagement, and financial literacy changed over time. All three fields of study were found to have improved from the initial implementation of the financial literacy-based classroom economy to the end of the data collection period. This data presents a strong case for the effectiveness of financial literacy-based classroom economy models and suggests that they should be more widely implemented.

Research Methodology

Field Study, Observation, Survey (attitude scale, opinion, questionnaire)

Keywords

Classroom Management, Community Building, Motivation

dc_type

text

dc_publisher

DigitalCommons@Hamline

dc_format

application/pdf

dc_source

School of Education Student Capstone Theses and Dissertations

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