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FINANCIAL LITERATURE LEVELS OF UNIVERSITY STUDENTS: AN EXAMPLE OF MARMARA UNIVERSITY

Yıl 2017, Cilt: 2 Sayı: 1, 25 - 50, 30.06.2017

Öz

This study aims at ascertaining the financial literacy level of university students on the basis of financial knowledge, behavior and attitude. A survey was conducted on students who have been enrolled in various faculties of Marmara University. Findings of the study present that the average financial knowledge level of male students is 4.97, where the level is 4.15 for female students; financial attitude level is 2.63 for male students and 2.52 for female students; and financial behavior level is 3.16 for male students and 2.72 for the females. Results of the t tests and ANOVA analyses reveal that financial knowledge, behavior and attitude differentiate according to gender, faculty, year, accommodation type and income.

Kaynakça

  • Akben-Selcuk, E. (2015). Factors Influencing College Students’ Financial Behaviors in Turkey: Evidence from a National Survey. International Journal of Economics and Finance, 7(6). ss. 87-94. Akben-Selcuk, E. ve Altıok-Yılmaz, A. (2014), Financial Literacy Among Turkish College Students: The Role Of Formal Education, Learnıng Approaches, and Parental Teaching, Psychological Reports: Employment Psychology & Marketing, 115(2), pp. 351-3711. Alhabeeb, M.J. (1999). Allowances and the economic socialization of children. Financial Counseling and Planning Education, 10(1), 25-37. Alkaya, A. ve Yağlı, İ. (2015) Finansal Okuryazarlık - Finansal Bilgi, Davranış Ve Tutum: Nevşehir Hacı Bektaş Veli Üniversitesi İİBF Öğrencileri Üzerine Bir Uygulama, Uluslararası Sosyal Araştırmalar Dergisi, 8(40), ss. 585-599. Atkinson, A., & Messy, F.-A. (2012). Measuring Financial Literacy: Results of the OECD / International Network on Financial Education (INFE) Pilot Study (No. 15). OECD Publishing: OECD Working Papers on Finance, Insurance and Private Pensions. http://dx.doi.org/10.1787/5k9csfs90fr4-en Barış, S. (2016). Finansal Okuryazarlık Ve Bütçeleme Davranışı: Üniversite Öğrencileri Üzerine Bir Araştırma, TESAM Akademi Dergisi, 3 (2), ss. 13 – 38. Baron, R. M. & Kenny, D. A. (1986). The moderator-mediator variable distinction in social psychological research: Conceptual, strategic, and statistical considerations. Journal of Personality and Social Psychology, 51, 1173- 1182. Bayraktaroğlu, A. ve Şan, F.B. (2015) Bireylerin Hisse Senedi Piyasasına Katılım Eğilimlerine Etki Eden Ekonomik Olmayan Faktörler Üzerine Ampirik Bir Araştırma, Çankırı Karatekin Üniversitesi İİBF Dergisi, 2, ss.507-530. Biçer, E.B. and Altan, F. (2016) Üniversite Öğrencilerinin Finansal Okuryazarlık ile İlgili Tutum ve Davranışlarının Değerlendirilmesi, Atatürk Üniversitesi Sosyal Bilimler Enstitüsü Dergisi, 20(4), 1501-1517. Bodvarsson, O.B. & Walker, R.L. (2004). Do parental cash transfers weaken performance in college?, Economics of Education Review, Vol. 23, No. 5, pp. 483-495. Braunstein, S., & Welch, C. (2002). Financial literacy: an overview of practice, research, and policy. Federal Reserve Bulletin, 88, 445–457. Çam, A.V. ve Barut, A. (2015) Finansal Okuryazarlık Düzeyi Ve Davranışları: Gümüşhane Üniversitesi Önlisans Öğrencileri Üzerinde Bir Araştırma, Küresel İktisat ve İşletme Çalışmaları Dergisi, 4(7), ss.63-72. Chardin, T. (2011). Weathering the Storm: Tax as component of Financial Capability. Australasian Accounting Business & Finance Journal, 5(2), 53-68. Chen, H., & Volpe, R. P. (1998). An analysis of personal financial literacy among college students. Financial Services Review, 7, 107–128. Cude, B., Lawrence, F., Lyons, A., Marks, L., Machtmes, K., Metzger, K., & LeJeune, E. (2006). College students and financial literacy: What they know and what we need to learn. Proceedings of the 33rd Conference of the Eastern Family Economics-Resource Management Association, 102-109. Çoşkun, S. (2016) Üniversite Öğrencilerinin Finansal Davranış Ve Tutumlarının Belirlenmesi: Finansal Okuryazarlık Algıları Üzerine Bir Araştırma, İnsan Ve Toplum Bilimleri Araştırmaları Dergisi, 5(7), 2247-2258. Ergün, B., Şahin, A. ve Ergin, E. (2014) Finansal Okuryazarlık: İşletme Bölümü Öğrencileri Üzerine Bir Çalışma, Uluslararası Sosyal Araştırmalar Dergisi; 7(34), ss. 847-864. Elmas. B. ve Yılmaz, H. (2016) Finansal Okuryazarlık: Ağrı İbrahim Çeçen Üniversitesi İktisadi Ve İdari Bilimler Fakültesi Öğrencileri Üzerine Bir Çalışma, Ağrı İbrahim Çeçen Üniversitesi Sosyal Bilimler Dergisi, 2(1), ss. 115-140. Er, F., Temizel, F., Özdemir, A. ve Sönmez, H. (2015) Lisans Eğitim Programlarının Finansal Okuryazarlık Düzeyine Etkisinin Araştırılması: Türkiye Örneği, Anadolu Üniversitesi Sosyal Bilimler Dergisi, 14(4), ss. 113-126. Flores, C. (2014). First generation college student financial literacy: Impact of self-efficacy and behavior. Unpublished PhD Dissertation,Washingon State University Department of Education. Fox, J., Bartholomae, S., & Lee, J. (2005). Building the case for financial education. The Journal of Consumer Affairs, 39 (1), 195–214. Gerek, S. ve Kurt, A.A. (2010) Bilgisayar ve Öğretim Teknolojileri Eğitimi Bölümlerinde Ekonomi Okuryazarlığına İlişkin Göstergeler, Gaziantep Üniversitesi Sosyal Bilimler Dergisi, 9(1), ss. 87-97. Hayhoe, C. R., Leach, L., & Turner, P. R. (1999). Discriminating the number of credit cards held by college students using credit card and Money attitudes. Journal of Economic Psychology, 34, 643 – 656. Huston, S.J. (2010). Measuring financial literacy. The Journal of Consumer Affairs, 44(2), 296-316. Jelley, H. (1958). A measurement and interpretation of money management understandings of twelfth-grade students (Doctoral dissertation). University of Cincinnati, Ohio. Jorgensen, B. L., & Savla, J. (2010). Financial literacy of young adults: The importance of parental socialization. Family Relations, 59(4), 465-478. Kennedy, B. P. (2013). The Theory of Planned Behavior and Financial Literacy: A Predictive Model for Credit Card Debt?., Yayınlanmamış Doktora Tezi, Graduate College of Marshall University. Kılıç, Y., Ata, H.A. ve Seyrek, İ.H. (2015) Finansal Okuryazarlık: Üniversite Öğrencilerine Yönelik Bir Araştırma, Muhasebe ve Finansman Dergisi, Nisan, 66, ss. 129-150. Karaa, İ. E. ve Kuğu, D.T. (2016) Determining Advanced and Basic Financial Literacy Relations and Overconfidence, and Informative Social Media Association of University Students in Turkey, Kuram Ve Uygulamada Eğitim Bilimleri, 16(6), 1865-1891. Letkiewicz, J.C. ve Fox, J.J. (2014) Conscientiousness, Financial Literacy, and Asset Accumulation of Young Adults, The Journal of Consumer Affairs, Summer 2014: 274–300. DOI: 10.1111/joca.12040 Ludlum, M., Tilker, K., Ritter, D., Cowart, T. Xu, W. ve Smith, B.C. (2012) Financial Literacy and Credit Cards: A Multi Campus Survey, International Journal of Business and Social Science, 3:7, 25-33. Luksander, A., Béres, D., Huzdik, K. Ve Németh, E. (2014) Analysis Of The Factors That Influence The Financial Literacy Of Young People Studying in Higher Education, Public Finance Quarterly, 2, pp. 220-241. Lusardi, A. (2008). Financial Literacy: An Essential Tool for Informed Consumer Choice. Cambridge: National Bureau of Economic Research. Lusardi, A., Michaud, P., & Mitchell. O.S. (2013). Optimal financial knowledge and wealth inequality. National Bureau of Economic Research (Working Paper No. 18669). doi: 10.3386/w18669 Lyons, A. C. (2004). A profile of financially at-risk college students. The Journal of Consumer Affairs, 38, (1), 56–80. Manton, E.J., English, D.E., Avard, S. ve Walker, J. (2006) What College Freshmen Admit To Not Knowing About Personal Finance, Journal of College Teaching & Learning, 3: 1, 42-54. McKenzie, V. M. (2009). The financial literacy of university students: A comparison of graduating seniors financial literacy and debt level. (Doctoral Dissertation). University of Southern Florida. Norvilitis, J.M., Merwin, M.M., Osberg, T.M., Roehling, P.V., Young, P. ve Kamas, M.M. (2006) Personality Factors, Money Attitudes, Financial Knowledge, and Credit-Card Debt in College Students, Journal of Applied Social Psychology, 2006, 36, 6, 1395–1413. OECD INFE (2011) Measuring Financial Literacy: Core Questionnaire in Measuring Financial Literacy: Questionnaire and Guidance Notes for conducting an Internationally Comparable Survey of Financial literacy. Paris: OECD. Özdemir, A., Temizel, F., Sönmez, H. ve Er, F. (2015) Financial Literacy Of University Students: A Case Study For Anadolu University, Uluslararası Yönetim İktisat ve İşletme Dergisi, 11(24), pp. 97-110. Palmer, L., Bliss, D.L., Goestz, J.W., & Moorman, D. (2010). Helping undergraduates discover the value of a dollar through self-monitoring. American Journal of Business Education, 3, 103–108. Pillai, R., Carlo, R., & D’souza, R. (2010). Financial prudence among youth. Munich Personal RePEc Archive. Retrieved from http://mpra.ub.uni-muenchen.de/22450/1/MPRA_paper_22450.pdf Pinto, M. B., & Mansfield, P. M. (2006). Financially at-risk college students: An exploratory investigation of student loan debt and prioritization of debt repayment. Journal of Student Financial Aid, 35(2), 22 - 32. Parrotta, J. L., & Johnson, P. J. (1998). The impact of financial attitudes and knowledge on financial management and satisfaction of recently married individuals. Journal of Financial Counseling and Planning, 9(2), 59. President’s Advisory Council on Financial Literacy. (2008). Annual Report to the President of the United States of America. Retrieved from http://www.treas.gov Remund, D. (2010). Financial literacy explicated: the case for a clearer definition in an increasingly complex economy. The Journal of Consumer Affairs, 44 (2), 276–295. Robb, C.A. (2011) Financial Knowledge and Credit Card Behavior of College Students, Journal of Family and Economic Issues, 32:4, 690–698. DOI: 10.1007/s10834-011-9259-y. Razafimahasolo, M., Borromeo, R., Sausa, L., Carpizo, R., Sabado, J. (2016) Impact of Financial Literacy on Level of Stress and Academic Achievement Among College Students, AUP Research Journal, 9(12), 22-36. Rosacker, K.M. ve Rosacker, R.E. (2016) An exploratory study of financial literacy training for accounting and business majors, The International Journal of Management Education 14, 1-7. http://dx.doi.org/10.1016/j.ijme.2015.11.002 Sarıgül, H. (2014) A Survey of Financial Literacy Among University Students, Muhasebe ve Finansman Dergisi, 64, pp. 207-224. Shim, S., Barber, B.L., Card, N.A., Xiao, J.J. ve Serido, J. (2010) Financial Socialization of First-year College Students: The Roles of Parents, Work, and Education, Journal of Youth Adolescence, 39, 1457–1470. DOI 10.1007/s10964-009-9432-x Starobin, S.S., Hagedorn, L.S., Purnamasari, A. ve Chen, Y.A. (2013) Examining Financial Literacy among Transfer and Nontransfer Students: Predicting Financial Well-Being and Academic Success at a Four-Year University, Community College Journal of Research and Practice, 37:3, 216-225, DOI: 10.1080/10668926.2013.740388 Temizel F. ve Bayram, F. (2011) Finansal Okuryazarlık: Anadolu Üniversitesi İktisadi İdari Bilimler Fakültesi (İibf) Öğrencilerine Yönelik Bir Araştırma, C.Ü. İktisadi ve İdari Bilimler Dergisi, 12(1), ss. 73-86 Thaden, L. L., & Rookey, B. D. (2005). Financial decision-making and economic inequality:Sources of influence on college students’ financial literacy. Paper presented at AFCPE Annual Conference, Inequalities Seminar, Scottsdale, AZ. Tuna, G. and Ulu, M.O. (2016) Üniversite Öğrencilerinin Finansal Okuryazarlık Düzeylerini Etkileyen Faktörlerin Belirlenmesi: İşletme Bölümü Öğrencileri Üzerine Bir Araştırma, Uluslararası Yönetim İktisat ve İşletme Dergisi, Özel sayı 16, 128-141. Xiao, J. J., Noring, F. E., & Anderson, J. G. (1995). College students’ attitudes towards credit cards. Journal of Consumer Studies and Home Economics, 19, 155 – 174. Xiao, J.J., Ahn, S.Y., Serido, J. ve Shim, S. (2014)Earlier financial literacy and later financial behaviour of college students, International Journal of Consumer Studies 38, 593–601. Wright, T. (2016) Comparing the Financial Literacy of Public School, Christian School, and Homeschooled Students, Journal of Research on Christian Education, 25:1, 56-75, DOI: 10.1080/10656219.2016.1140100 Yew, S. Y., Yong, C. C., Cheong, K. C., & Tey, N. P. (2017). Does Financial Education Matter? Education Literacy among Undergraduates in Malaysia. Institutions and Economies, 9(1).

ÜNİVERSİTE ÖĞRENCİLERİNİN FİNANSAL OKURYAZARLIK DÜZEYLERİ: MARMARA ÜNİVERSİTESİ ÖRNEĞİ

Yıl 2017, Cilt: 2 Sayı: 1, 25 - 50, 30.06.2017

Öz

Bu çalışmada üniversite öğrencilerinin finansal okuryazarlık düzeylerinin, finansal bilgi, davranış ve tutum boyutunda, tespit edilmesi hedeflenmiştir. Bu amaçla Marmara Üniversitesi’nin çeşitli fakültelerinde kayıtlı öğrenciler üzerinde anket çalışması yapılmıştır. Sonuçlar öğrencilerin ortalama finansal bilgi düzeyinin erkeklerde 4.97, kadınlarda 4.15; finansal tutum puanlarının erkeklerde 2.63 kadınlarda 2.52; finansal davranış düzeylerinin ise erkeklerde 3.16 kadınlarda 2.72 olduğunu göstermiştir. Yapılan t testi ve ANOVA analizleri sonucunda finansal bilgi, davranış ve tutum düzeylerinin cinsiyet, fakülte, sınıf, konaklama türü ve gelire göre farklılaştığı tespit edilmiştir.

Kaynakça

  • Akben-Selcuk, E. (2015). Factors Influencing College Students’ Financial Behaviors in Turkey: Evidence from a National Survey. International Journal of Economics and Finance, 7(6). ss. 87-94. Akben-Selcuk, E. ve Altıok-Yılmaz, A. (2014), Financial Literacy Among Turkish College Students: The Role Of Formal Education, Learnıng Approaches, and Parental Teaching, Psychological Reports: Employment Psychology & Marketing, 115(2), pp. 351-3711. Alhabeeb, M.J. (1999). Allowances and the economic socialization of children. Financial Counseling and Planning Education, 10(1), 25-37. Alkaya, A. ve Yağlı, İ. (2015) Finansal Okuryazarlık - Finansal Bilgi, Davranış Ve Tutum: Nevşehir Hacı Bektaş Veli Üniversitesi İİBF Öğrencileri Üzerine Bir Uygulama, Uluslararası Sosyal Araştırmalar Dergisi, 8(40), ss. 585-599. Atkinson, A., & Messy, F.-A. (2012). Measuring Financial Literacy: Results of the OECD / International Network on Financial Education (INFE) Pilot Study (No. 15). OECD Publishing: OECD Working Papers on Finance, Insurance and Private Pensions. http://dx.doi.org/10.1787/5k9csfs90fr4-en Barış, S. (2016). Finansal Okuryazarlık Ve Bütçeleme Davranışı: Üniversite Öğrencileri Üzerine Bir Araştırma, TESAM Akademi Dergisi, 3 (2), ss. 13 – 38. Baron, R. M. & Kenny, D. A. (1986). The moderator-mediator variable distinction in social psychological research: Conceptual, strategic, and statistical considerations. Journal of Personality and Social Psychology, 51, 1173- 1182. Bayraktaroğlu, A. ve Şan, F.B. (2015) Bireylerin Hisse Senedi Piyasasına Katılım Eğilimlerine Etki Eden Ekonomik Olmayan Faktörler Üzerine Ampirik Bir Araştırma, Çankırı Karatekin Üniversitesi İİBF Dergisi, 2, ss.507-530. Biçer, E.B. and Altan, F. (2016) Üniversite Öğrencilerinin Finansal Okuryazarlık ile İlgili Tutum ve Davranışlarının Değerlendirilmesi, Atatürk Üniversitesi Sosyal Bilimler Enstitüsü Dergisi, 20(4), 1501-1517. Bodvarsson, O.B. & Walker, R.L. (2004). Do parental cash transfers weaken performance in college?, Economics of Education Review, Vol. 23, No. 5, pp. 483-495. Braunstein, S., & Welch, C. (2002). Financial literacy: an overview of practice, research, and policy. Federal Reserve Bulletin, 88, 445–457. Çam, A.V. ve Barut, A. (2015) Finansal Okuryazarlık Düzeyi Ve Davranışları: Gümüşhane Üniversitesi Önlisans Öğrencileri Üzerinde Bir Araştırma, Küresel İktisat ve İşletme Çalışmaları Dergisi, 4(7), ss.63-72. Chardin, T. (2011). Weathering the Storm: Tax as component of Financial Capability. Australasian Accounting Business & Finance Journal, 5(2), 53-68. Chen, H., & Volpe, R. P. (1998). An analysis of personal financial literacy among college students. Financial Services Review, 7, 107–128. Cude, B., Lawrence, F., Lyons, A., Marks, L., Machtmes, K., Metzger, K., & LeJeune, E. (2006). College students and financial literacy: What they know and what we need to learn. Proceedings of the 33rd Conference of the Eastern Family Economics-Resource Management Association, 102-109. Çoşkun, S. (2016) Üniversite Öğrencilerinin Finansal Davranış Ve Tutumlarının Belirlenmesi: Finansal Okuryazarlık Algıları Üzerine Bir Araştırma, İnsan Ve Toplum Bilimleri Araştırmaları Dergisi, 5(7), 2247-2258. Ergün, B., Şahin, A. ve Ergin, E. (2014) Finansal Okuryazarlık: İşletme Bölümü Öğrencileri Üzerine Bir Çalışma, Uluslararası Sosyal Araştırmalar Dergisi; 7(34), ss. 847-864. Elmas. B. ve Yılmaz, H. (2016) Finansal Okuryazarlık: Ağrı İbrahim Çeçen Üniversitesi İktisadi Ve İdari Bilimler Fakültesi Öğrencileri Üzerine Bir Çalışma, Ağrı İbrahim Çeçen Üniversitesi Sosyal Bilimler Dergisi, 2(1), ss. 115-140. Er, F., Temizel, F., Özdemir, A. ve Sönmez, H. (2015) Lisans Eğitim Programlarının Finansal Okuryazarlık Düzeyine Etkisinin Araştırılması: Türkiye Örneği, Anadolu Üniversitesi Sosyal Bilimler Dergisi, 14(4), ss. 113-126. Flores, C. (2014). First generation college student financial literacy: Impact of self-efficacy and behavior. Unpublished PhD Dissertation,Washingon State University Department of Education. Fox, J., Bartholomae, S., & Lee, J. (2005). Building the case for financial education. The Journal of Consumer Affairs, 39 (1), 195–214. Gerek, S. ve Kurt, A.A. (2010) Bilgisayar ve Öğretim Teknolojileri Eğitimi Bölümlerinde Ekonomi Okuryazarlığına İlişkin Göstergeler, Gaziantep Üniversitesi Sosyal Bilimler Dergisi, 9(1), ss. 87-97. Hayhoe, C. R., Leach, L., & Turner, P. R. (1999). Discriminating the number of credit cards held by college students using credit card and Money attitudes. Journal of Economic Psychology, 34, 643 – 656. Huston, S.J. (2010). Measuring financial literacy. The Journal of Consumer Affairs, 44(2), 296-316. Jelley, H. (1958). A measurement and interpretation of money management understandings of twelfth-grade students (Doctoral dissertation). University of Cincinnati, Ohio. Jorgensen, B. L., & Savla, J. (2010). Financial literacy of young adults: The importance of parental socialization. Family Relations, 59(4), 465-478. Kennedy, B. P. (2013). The Theory of Planned Behavior and Financial Literacy: A Predictive Model for Credit Card Debt?., Yayınlanmamış Doktora Tezi, Graduate College of Marshall University. Kılıç, Y., Ata, H.A. ve Seyrek, İ.H. (2015) Finansal Okuryazarlık: Üniversite Öğrencilerine Yönelik Bir Araştırma, Muhasebe ve Finansman Dergisi, Nisan, 66, ss. 129-150. Karaa, İ. E. ve Kuğu, D.T. (2016) Determining Advanced and Basic Financial Literacy Relations and Overconfidence, and Informative Social Media Association of University Students in Turkey, Kuram Ve Uygulamada Eğitim Bilimleri, 16(6), 1865-1891. Letkiewicz, J.C. ve Fox, J.J. (2014) Conscientiousness, Financial Literacy, and Asset Accumulation of Young Adults, The Journal of Consumer Affairs, Summer 2014: 274–300. DOI: 10.1111/joca.12040 Ludlum, M., Tilker, K., Ritter, D., Cowart, T. Xu, W. ve Smith, B.C. (2012) Financial Literacy and Credit Cards: A Multi Campus Survey, International Journal of Business and Social Science, 3:7, 25-33. Luksander, A., Béres, D., Huzdik, K. Ve Németh, E. (2014) Analysis Of The Factors That Influence The Financial Literacy Of Young People Studying in Higher Education, Public Finance Quarterly, 2, pp. 220-241. Lusardi, A. (2008). Financial Literacy: An Essential Tool for Informed Consumer Choice. Cambridge: National Bureau of Economic Research. Lusardi, A., Michaud, P., & Mitchell. O.S. (2013). Optimal financial knowledge and wealth inequality. National Bureau of Economic Research (Working Paper No. 18669). doi: 10.3386/w18669 Lyons, A. C. (2004). A profile of financially at-risk college students. The Journal of Consumer Affairs, 38, (1), 56–80. Manton, E.J., English, D.E., Avard, S. ve Walker, J. (2006) What College Freshmen Admit To Not Knowing About Personal Finance, Journal of College Teaching & Learning, 3: 1, 42-54. McKenzie, V. M. (2009). The financial literacy of university students: A comparison of graduating seniors financial literacy and debt level. (Doctoral Dissertation). University of Southern Florida. Norvilitis, J.M., Merwin, M.M., Osberg, T.M., Roehling, P.V., Young, P. ve Kamas, M.M. (2006) Personality Factors, Money Attitudes, Financial Knowledge, and Credit-Card Debt in College Students, Journal of Applied Social Psychology, 2006, 36, 6, 1395–1413. OECD INFE (2011) Measuring Financial Literacy: Core Questionnaire in Measuring Financial Literacy: Questionnaire and Guidance Notes for conducting an Internationally Comparable Survey of Financial literacy. Paris: OECD. Özdemir, A., Temizel, F., Sönmez, H. ve Er, F. (2015) Financial Literacy Of University Students: A Case Study For Anadolu University, Uluslararası Yönetim İktisat ve İşletme Dergisi, 11(24), pp. 97-110. Palmer, L., Bliss, D.L., Goestz, J.W., & Moorman, D. (2010). Helping undergraduates discover the value of a dollar through self-monitoring. American Journal of Business Education, 3, 103–108. Pillai, R., Carlo, R., & D’souza, R. (2010). Financial prudence among youth. Munich Personal RePEc Archive. Retrieved from http://mpra.ub.uni-muenchen.de/22450/1/MPRA_paper_22450.pdf Pinto, M. B., & Mansfield, P. M. (2006). Financially at-risk college students: An exploratory investigation of student loan debt and prioritization of debt repayment. Journal of Student Financial Aid, 35(2), 22 - 32. Parrotta, J. L., & Johnson, P. J. (1998). The impact of financial attitudes and knowledge on financial management and satisfaction of recently married individuals. Journal of Financial Counseling and Planning, 9(2), 59. President’s Advisory Council on Financial Literacy. (2008). Annual Report to the President of the United States of America. Retrieved from http://www.treas.gov Remund, D. (2010). Financial literacy explicated: the case for a clearer definition in an increasingly complex economy. The Journal of Consumer Affairs, 44 (2), 276–295. Robb, C.A. (2011) Financial Knowledge and Credit Card Behavior of College Students, Journal of Family and Economic Issues, 32:4, 690–698. DOI: 10.1007/s10834-011-9259-y. Razafimahasolo, M., Borromeo, R., Sausa, L., Carpizo, R., Sabado, J. (2016) Impact of Financial Literacy on Level of Stress and Academic Achievement Among College Students, AUP Research Journal, 9(12), 22-36. Rosacker, K.M. ve Rosacker, R.E. (2016) An exploratory study of financial literacy training for accounting and business majors, The International Journal of Management Education 14, 1-7. http://dx.doi.org/10.1016/j.ijme.2015.11.002 Sarıgül, H. (2014) A Survey of Financial Literacy Among University Students, Muhasebe ve Finansman Dergisi, 64, pp. 207-224. Shim, S., Barber, B.L., Card, N.A., Xiao, J.J. ve Serido, J. (2010) Financial Socialization of First-year College Students: The Roles of Parents, Work, and Education, Journal of Youth Adolescence, 39, 1457–1470. DOI 10.1007/s10964-009-9432-x Starobin, S.S., Hagedorn, L.S., Purnamasari, A. ve Chen, Y.A. (2013) Examining Financial Literacy among Transfer and Nontransfer Students: Predicting Financial Well-Being and Academic Success at a Four-Year University, Community College Journal of Research and Practice, 37:3, 216-225, DOI: 10.1080/10668926.2013.740388 Temizel F. ve Bayram, F. (2011) Finansal Okuryazarlık: Anadolu Üniversitesi İktisadi İdari Bilimler Fakültesi (İibf) Öğrencilerine Yönelik Bir Araştırma, C.Ü. İktisadi ve İdari Bilimler Dergisi, 12(1), ss. 73-86 Thaden, L. L., & Rookey, B. D. (2005). Financial decision-making and economic inequality:Sources of influence on college students’ financial literacy. Paper presented at AFCPE Annual Conference, Inequalities Seminar, Scottsdale, AZ. Tuna, G. and Ulu, M.O. (2016) Üniversite Öğrencilerinin Finansal Okuryazarlık Düzeylerini Etkileyen Faktörlerin Belirlenmesi: İşletme Bölümü Öğrencileri Üzerine Bir Araştırma, Uluslararası Yönetim İktisat ve İşletme Dergisi, Özel sayı 16, 128-141. Xiao, J. J., Noring, F. E., & Anderson, J. G. (1995). College students’ attitudes towards credit cards. Journal of Consumer Studies and Home Economics, 19, 155 – 174. Xiao, J.J., Ahn, S.Y., Serido, J. ve Shim, S. (2014)Earlier financial literacy and later financial behaviour of college students, International Journal of Consumer Studies 38, 593–601. Wright, T. (2016) Comparing the Financial Literacy of Public School, Christian School, and Homeschooled Students, Journal of Research on Christian Education, 25:1, 56-75, DOI: 10.1080/10656219.2016.1140100 Yew, S. Y., Yong, C. C., Cheong, K. C., & Tey, N. P. (2017). Does Financial Education Matter? Education Literacy among Undergraduates in Malaysia. Institutions and Economies, 9(1).
Toplam 1 adet kaynakça vardır.

Ayrıntılar

Konular İşletme
Bölüm Makaleler
Yazarlar

Murat Çinko

Emin Avcı

Sinem Ergun Bu kişi benim

Mahmut Tekçe

Yayımlanma Tarihi 30 Haziran 2017
Yayımlandığı Sayı Yıl 2017 Cilt: 2 Sayı: 1

Kaynak Göster

APA Çinko, M., Avcı, E., Ergun, S., Tekçe, M. (2017). FINANCIAL LITERATURE LEVELS OF UNIVERSITY STUDENTS: AN EXAMPLE OF MARMARA UNIVERSITY. Marmara Business Review, 2(1), 25-50.
AMA Çinko M, Avcı E, Ergun S, Tekçe M. FINANCIAL LITERATURE LEVELS OF UNIVERSITY STUDENTS: AN EXAMPLE OF MARMARA UNIVERSITY. MBR. Haziran 2017;2(1):25-50.
Chicago Çinko, Murat, Emin Avcı, Sinem Ergun, ve Mahmut Tekçe. “FINANCIAL LITERATURE LEVELS OF UNIVERSITY STUDENTS: AN EXAMPLE OF MARMARA UNIVERSITY”. Marmara Business Review 2, sy. 1 (Haziran 2017): 25-50.
EndNote Çinko M, Avcı E, Ergun S, Tekçe M (01 Haziran 2017) FINANCIAL LITERATURE LEVELS OF UNIVERSITY STUDENTS: AN EXAMPLE OF MARMARA UNIVERSITY. Marmara Business Review 2 1 25–50.
IEEE M. Çinko, E. Avcı, S. Ergun, ve M. Tekçe, “FINANCIAL LITERATURE LEVELS OF UNIVERSITY STUDENTS: AN EXAMPLE OF MARMARA UNIVERSITY”, MBR, c. 2, sy. 1, ss. 25–50, 2017.
ISNAD Çinko, Murat vd. “FINANCIAL LITERATURE LEVELS OF UNIVERSITY STUDENTS: AN EXAMPLE OF MARMARA UNIVERSITY”. Marmara Business Review 2/1 (Haziran 2017), 25-50.
JAMA Çinko M, Avcı E, Ergun S, Tekçe M. FINANCIAL LITERATURE LEVELS OF UNIVERSITY STUDENTS: AN EXAMPLE OF MARMARA UNIVERSITY. MBR. 2017;2:25–50.
MLA Çinko, Murat vd. “FINANCIAL LITERATURE LEVELS OF UNIVERSITY STUDENTS: AN EXAMPLE OF MARMARA UNIVERSITY”. Marmara Business Review, c. 2, sy. 1, 2017, ss. 25-50.
Vancouver Çinko M, Avcı E, Ergun S, Tekçe M. FINANCIAL LITERATURE LEVELS OF UNIVERSITY STUDENTS: AN EXAMPLE OF MARMARA UNIVERSITY. MBR. 2017;2(1):25-50.