Paper Title
Financial Literacy Measurement in High- School Students

Abstract
We conduct the first nationally representative measurement of the financial capability of 15-year-old students in Greece. We find discrepancies between the core, the islands, and the periphery of the country. Female students score lower in terms of all knowledge, behaviour, and attitudes. Students in experimental schools, the better performing ones, and those with more educated parents are more financially capable, reflecting the absence of a dedicated personal-finance curriculum. Awareness of household finances is positively related to financial capability. Local economic conditions matter, with students in regions affected more by the crisis exhibiting lower financial capability. JEL classification: A20; D14; G53; I21. Keywords - Financial capability; Students; Greece; Local environment.