Investigation of Financial Literacy Attitudes of University Students in Terms of Some Demographic Characteristics: The Example of Mus Alparslan University Social Sciences Vocational School

Ahmet Dündar; Bengü Şekeroğlu

Makale detayları

Investigation of Financial Literacy Attitudes of University Students in Terms of Some Demographic Characteristics: The Example of Mus Alparslan University Social Sciences Vocational School

Yazarlar:

Ahmet Dündar | Bengü Şekeroğlu

Yayıncı:

Kyrgyz-Turkish Manas University

Ana Başlıklar:

Finans

Dergi:

MANAS Sosyal Araştırmalar Dergisi Vol.13 Issue 4, pp.1258-1271

Belge Tipi:

Makale

Yayın Tarihi:

10/2024

Belge Dili:

İngilizce

Document ID (Org No.):

2001329254

pISSN:

1694-7215

Anahtar kelimeler:

Özet:

 Financial literacy enables effective planning of the financial future by accurately analyzing the current financial situation. In our country, which has a young population, high financial literacy levels of university students will contribute to the countrys economy. This study aims to determine the financial literacy knowledge levels of university students. In addition, it focuses on examining financial attitudes and behaviors, which are two important components of financial literacy, in terms of demographic characteristics. In addition, the results of the research aim to determine financial literacy training for college students and to develop strategies on the subject. The study consists of 280 university students from different departments of Muş Alparslan University Social Sciences Vocational School in the 2021-2022 academic year. According to the results of the study, it is seen that 41.8 of university students have a low level of financial literacy, 43.6  have a medium level of financial literacy, and 14.6  have a high level of financial literacy. In addition, it is seen that there is a significant difference in the sub-dimensions of expenditure, attitude, perception, and the total score of financial literacy attitude and behavior according to financial literacy knowledge level. According to financial literacy attitude and behavior levels; A significant difference was found in the sub-dimension of expenditure according to gender and education, expenditure according to the time spent at the university, and perception according to attitude and working status. A correlation test was conducted to find the relationship between the age financial literacy attitude, and behavior levels of students. The results revealed a low-level negative significant relationship between the age of the students and the sub-dimensions of expenditure and perception.

 Financial literacy enables effective planning of the financial future by accurately analyzing the current financial situation. In our country, which has a young population, high financial literacy levels of university students will contribute to the countrys economy. This study aims to determine the financial literacy knowledge levels of university students. In addition, it focuses on examining financial attitudes and behaviors, which are two important components of financial literacy, in terms of demographic characteristics. In addition, the results of the research aim to determine financial literacy training for college students and to develop strategies on the subject. The study consists of 280 university students from different departments of Muş Alparslan University Social Sciences Vocational School in the 2021-2022 academic year. According to the results of the study, it is seen that 41.8 of university students have a low level of financial literacy, 43.6  have a medium level of financial literacy, and 14.6  have a high level of financial literacy. In addition, it is seen that there is a significant difference in the sub-dimensions of expenditure, attitude, perception, and the total score of financial literacy attitude and behavior according to financial literacy knowledge level. According to financial literacy attitude and behavior levels; A significant difference was found in the sub-dimension of expenditure according to gender and education, expenditure according to the time spent at the university, and perception according to attitude and working status. A correlation test was conducted to find the relationship between the age financial literacy attitude, and behavior levels of students. The results revealed a low-level negative significant relationship between the age of the students and the sub-dimensions of expenditure and perception.

 Financial literacy enables effective planning of the financial future by accurately analyzing the current financial situation. In our country, which has a young population, high financial literacy levels of university students will contribute to the countrys economy. This study aims to determine the financial literacy knowledge levels of university students. In addition, it focuses on examining financial attitudes and behaviors, which are two important components of financial literacy, in terms of demographic characteristics. In addition, the results of the research aim to determine financial literacy training for college students and to develop strategies on the subject. The study consists of 280 university students from different departments of Muş Alparslan University Social Sciences Vocational School in the 2021-2022 academic year. According to the results of the study, it is seen that 41.8 of university students have a low level of financial literacy, 43.6  have a medium level of financial literacy, and 14.6  have a high level of financial literacy. In addition, it is seen that there is a significant difference in the sub-dimensions of expenditure, attitude, perception, and the total score of financial literacy attitude and behavior according to financial literacy knowledge level. According to financial literacy attitude and behavior levels; A significant difference was found in the sub-dimension of expenditure according to gender and education, expenditure according to the time spent at the university, and perception according to attitude and working status. A correlation test was conducted to find the relationship between the age financial literacy attitude, and behavior levels of students. The results revealed a low-level negative significant relationship between the age of the students and the sub-dimensions of expenditure and perception.

 Finansal okuryazarlık, mevcut finansal durumun doğru analiz edilebilmesiyle finansal geleceğin etkin planlanmasını sağlamaktadır. Genç nüfusa sahip olan ülkemizde üniversite öğrencilerinin finansal okuryazarlık düzeylerinin yüksek olması ülke ekonomisine olumlu katkılar sağlayacaktır. Bu çalışmada; üniversite öğrencilerinin finansal okuryazarlık bilgi düzeylerini belirlemek, finansal okuryazarlığın iki önemli bileşeni olan finansal tutum ve davranışlarının demografik özellikler açısından incelemek, araştırmanın sonuçları ışığında yüksekokul öğrencilerine yönelik finansal okuryazarlık eğitimlerinin belirlenmesi, konuyla ilgili stratejilerin geliştirilmesi amaçlanmaktadır. Araştırmanın örneklemini 2021-2022 eğitim-öğretim yılında Muş Alparslan Üniversitesi Sosyal Bilimler Meslek Yüksekokulunun farklı bölümlerinde öğrenim gören 280 üniversite öğrencisi oluşturmaktadır. Araştırma sonuçlarına göre, üniversite öğrencilerinin  41.8inin düşük,  43.6sının orta,  14.6sının ise yüksek finansal okuryazarlık bilgi düzeyine sahip olduğu, finansal okuryazarlık bilgi düzeyine göre harcama, tutum, algı alt boyutlarında ve finansal okuryazarlık tutum ve davranış toplam puanında anlamlı farklılık olduğu görülmektedir. Finansal okuryazarlık tutum ve davranış düzeylerinde cinsiyet ve öğrenim görülen bölüme göre harcama, üniversitede geçirilen süreye göre harcama ve tutum, çalışma durumuna göre algı alt boyutunda anlamlı farklılık saptanmıştır. Üniversite öğrencilerinin yaşı ile finansal okuryazarlık tutum ve davranış düzeyleri arasındaki korelasyon testi bulgularına göre ise öğrencilerin yaşı ile harcama ve algı alt boyutları arasında, düşük düzeyde negatif yönlü anlamlı ilişkinin varlığı kanıtlamaktadır.

Makale detayları

Investigation of Financial Literacy Attitudes of University Students in Terms of Some Demographic Characteristics: The Example of Mus Alparslan University Social Sciences Vocational School

Yazarlar:

Ahmet Dündar | Bengü Şekeroğlu

Yayıncı:

Kyrgyz-Turkish Manas University

Ana Başlıklar:

Finans

Dergi:

MANAS Sosyal Araştırmalar Dergisi Vol.13 Issue 4, pp.1258-1271

Belge Tipi:

Makale

Yayın Tarihi:

10/2024

Belge Dili:

İngilizce

Document ID (Org No.):

2001329254

pISSN:

1694-7215

Financial Literacy

Financial Attitude

Financial BehaviorFinansal Okuryazarlık

Finansal Tutum

Finansal Davranış

Sayı

Makale detayları

Investigation of Financial Literacy Attitudes of University Students in Terms of Some Demographic Characteristics: The Example of Mus Alparslan University Social Sciences Vocational School

Yazarlar: Ahmet Dündar | Bengü Şekeroğlu

Yayıncı: Kyrgyz-Turkish Manas University

Ana Başlıklar: Finans

Dergi: MANAS Sosyal Araştırmalar Dergisi Vol.13 Issue 4, pp.1258-1271

Belge Tipi: Makale

Yayın Tarihi: 10/2024

Belge Dili: İngilizce

Document ID (Org No.): 2001329254

pISSN: 1694-7215

Financial Literacy

Financial Attitude

Financial BehaviorFinansal Okuryazarlık

Finansal Tutum

Finansal Davranış

Sayı

Yazarlar:

Ahmet Dündar | Bengü Şekeroğlu

Yayıncı:

Kyrgyz-Turkish Manas University

Ana Başlıklar:

Finans

Dergi:

MANAS Sosyal Araştırmalar Dergisi Vol.13 Issue 4, pp.1258-1271

Belge Tipi:

Makale

Yayın Tarihi:

10/2024

Belge Dili:

İngilizce

Document ID (Org No.):

2001329254

pISSN:

1694-7215