Uliya Sorokina

This article discusses the problem of low level of financial literacy of the population. Carried out a sociolog-ical study to identify the level of financial literacy among social groups in Rostov region. After analyzing the data, the authors have developed a method of increasing the level of financial literacy of the population that will be able to expand the methods and techniques of improving financial literacy in the state programmes and strategies.

This article discusses a number of problems of higher education, which have a negative impact on the quality of institutions of higher education services. These reasons are grouped in the classification proposed by the author, and are used in both institutional "trap". The author believes that the institutional approach in the study of problems of education is able to give the most complete picture of the situation. The proposed set of measures may have a practical application in higher education institutions in order to maintain their level of competitiveness and improving the quality and prestige of the educational services provided.