MEDIATING AND MODERATING VARIABLE EFFECT OF FINANCIAL KNOWLEDGE ON THE RELATIONSHIP BETWEEN FINANCIAL ATTITUDE AND FINANCIAL BEHAVIOR

Ümmühan Mutlu; Filiz Çevik; Füsun Çelebi Boz

Makale detayları

MEDIATING AND MODERATING VARIABLE EFFECT OF FINANCIAL KNOWLEDGE ON THE RELATIONSHIP BETWEEN FINANCIAL ATTITUDE AND FINANCIAL BEHAVIOR

Yazarlar:

Ümmühan Mutlu | Filiz Çevik | Füsun Çelebi Boz

Yayıncı:

Zonguldak Bulent Ecevit University

Ana Başlıklar:

Finans ve Yatırım (Diğer)

Dergi:

Uluslararası Yönetim İktisat ve İşletme Dergisi Vol.20 Issue ICMEB'24 Özel Sayı, pp.61-78

Belge Tipi:

Makale

Yayın Tarihi:

10/2024

Belge Dili:

İngilizce

Document ID (Org No.):

2001317423

pISSN:

2147-9208

Anahtar kelimeler:

Özet:

 Todays economic conditions, developments in information and communication technologies and the impact of digitalization have obliged individuals to exhibit more responsible financial behavior. In this context, the role of financial knowledge is very important in helping individuals make correct financial decisions and engage in responsible financial behavior. Although there are many studies in the literature on financial knowledge, attitudes and behavior, there are few studies examining the moderating and mediating effects. In this study, first the relationship between individuals financial attitudes and financial behaviors was determined. Then, it was investigated whether financial knowledge has a moderating and mediating effect on this relationship. The data of the research was obtained through the survey method from 402 university students studying in different departments with various demographic characteristics. Correlation analysis and regression analysis were conducted using SPSS 21.0 software. Analyzes regarding the mediation and moderation effects were carried out using the SPSS Process plug-in. The first finding of the research is the existence of the effect of financial knowledge as a mediating variable. on the relationship between participants. Another result of the research is that financial knowledge has a partial moderating effect on the relationship between participants financial attitudes and financial behaviors.

 Todays economic conditions, developments in information and communication technologies and the impact of digitalization have obliged individuals to exhibit more responsible financial behavior. In this context, the role of financial knowledge is very important in helping individuals make correct financial decisions and engage in responsible financial behavior. Although there are many studies in the literature on financial knowledge, attitudes and behavior, there are few studies examining the moderating and mediating effects. In this study, first the relationship between individuals financial attitudes and financial behaviors was determined. Then, it was investigated whether financial knowledge has a moderating and mediating effect on this relationship. The data of the research was obtained through the survey method from 402 university students studying in different departments with various demographic characteristics. Correlation analysis and regression analysis were conducted using SPSS 21.0 software. Analyzes regarding the mediation and moderation effects were carried out using the SPSS Process plug-in. The first finding of the research is the existence of the effect of financial knowledge as a mediating variable. on the relationship between participants. Another result of the research is that financial knowledge has a partial moderating effect on the relationship between participants financial attitudes and financial behaviors.

 Todays economic conditions, developments in information and communication technologies and the impact of digitalization have obliged individuals to exhibit more responsible financial behavior. In this context, the role of financial knowledge is very important in helping individuals make correct financial decisions and engage in responsible financial behavior. Although there are many studies in the literature on financial knowledge, attitudes and behavior, there are few studies examining the moderating and mediating effects. In this study, first the relationship between individuals financial attitudes and financial behaviors was determined. Then, it was investigated whether financial knowledge has a moderating and mediating effect on this relationship. The data of the research was obtained through the survey method from 402 university students studying in different departments with various demographic characteristics. Correlation analysis and regression analysis were conducted using SPSS 21.0 software. Analyzes regarding the mediation and moderation effects were carried out using the SPSS Process plug-in. The first finding of the research is the existence of the effect of financial knowledge as a mediating variable. on the relationship between participants. Another result of the research is that financial knowledge has a partial moderating effect on the relationship between participants financial attitudes and financial behaviors.

 Günümüz ekonomik koşulları, bilgi ve iletişim teknolojilerindeki gelişmeler ve dijitalleşmenin etkisi, bireyleri daha sorumlu finansal davranışlar sergilemeye zorunlu kılmıştır. Bu bağlamda bireylerin doğru finansal kararlar almalarına ve sorumlu finansal davranışlar sergilemelerine yardımcı olmada finansal bilginin rolü oldukça önemlidir. Literatürde finansal bilgi, tutum ve davranışa ilişkin pek çok çalışma bulunmasına rağmen düzenleyici ve aracılık etkilerini inceleyen az sayıda çalışma bulunmaktadır. Bu çalışmada öncelikle bireylerin finansal tutumları ile finansal davranışları arasındaki ilişki tespit edilmiştir. Daha sonra finansal bilginin bu ilişki üzerinde düzenleyici ve aracılık etkisinin olup olmadığı araştırılmıştır. Araştırmanın verileri çeşitli demografik özelliklere sahip farklı bölümlerde öğrenim gören 402 üniversite öğrencisinden anket yöntemiyle elde edilmiştir. Korelasyon analizi ve regresyon analizi SPSS 21.0 yazılımı kullanılarak yapılmıştır. Aracılık ve düzenleyicilik etkilerine ilişkin analizler SPSS Process eklentisi kullanılarak gerçekleştirilmiştir. Araştırmanın ilk bulgusu katılımcılar arasındaki ilişkide aracı değişken olarak finansal bilginin etkisinin varlığıdır. Araştırmanın bir diğer sonucu ise finansal bilginin, katılımcıların finansal tutumları ile finansal davranışları arasındaki ilişkide kısmi düzenleyici etkiye sahip olmasıdır.

Makale detayları

MEDIATING AND MODERATING VARIABLE EFFECT OF FINANCIAL KNOWLEDGE ON THE RELATIONSHIP BETWEEN FINANCIAL ATTITUDE AND FINANCIAL BEHAVIOR

Yazarlar:

Ümmühan Mutlu | Filiz Çevik | Füsun Çelebi Boz

Yayıncı:

Zonguldak Bulent Ecevit University

Ana Başlıklar:

Finans ve Yatırım (Diğer)

Dergi:

Uluslararası Yönetim İktisat ve İşletme Dergisi Vol.20 Issue ICMEB'24 Özel Sayı, pp.61-78

Belge Tipi:

Makale

Yayın Tarihi:

10/2024

Belge Dili:

İngilizce

Document ID (Org No.):

2001317423

pISSN:

2147-9208

Financial Attitude

Financial Behavior

Financial Knowledge

Financial Literacy

Behavioral FinanceFinansal Tutum

Finansal Davranış

Finansal Bilgi

Finansal Okuryazarlık

Davranışsal Finans

Sayı

Makale detayları

Yazarlar: Ümmühan Mutlu | Filiz Çevik | Füsun Çelebi Boz

Yayıncı: Zonguldak Bulent Ecevit University

Ana Başlıklar: Finans ve Yatırım (Diğer)

Dergi: Uluslararası Yönetim İktisat ve İşletme Dergisi Vol.20 Issue ICMEB'24 Özel Sayı, pp.61-78

Belge Tipi: Makale

Yayın Tarihi: 10/2024

Belge Dili: İngilizce

Document ID (Org No.): 2001317423

pISSN: 2147-9208

Sayı

Yazarlar:

Ümmühan Mutlu | Filiz Çevik | Füsun Çelebi Boz

Yayıncı:

Zonguldak Bulent Ecevit University

Ana Başlıklar:

Finans ve Yatırım (Diğer)

Dergi:

Uluslararası Yönetim İktisat ve İşletme Dergisi Vol.20 Issue ICMEB'24 Özel Sayı, pp.61-78

Belge Tipi:

Makale

Yayın Tarihi:

10/2024

Belge Dili:

İngilizce

Document ID (Org No.):

2001317423

pISSN:

2147-9208