TY  - JOUR
T1  - THE RELATIONSHIP BETWEEN FINANCIAL BEHAVIOR AND DETERMINANTS OF FINANCIAL EDUCATION DEMAND: AN APPLICATION TO UNIVERSITY STUDENTS
TT  - FİNANSAL DAVRANIŞ İLE FİNANSAL EĞİTİM TALEBİNİN BELİRLEYİCİLERİ ARASINDAKİ İLİŞKİ: ÜNİVERSİTE ÖĞRENCİLERİNE YÖNELİK BİR UYGULAMA
AU  - Ergün, Kutlu
PY  - 2025
DA  - October
Y2  - 2025
DO  - 10.18092/ulikidince.1740330
JF  - Uluslararası İktisadi ve İdari İncelemeler Dergisi
JO  - IJEAS
PB  - Kenan ÇELİK
WT  - DergiPark
SN  - 1307-9832
SP  - 429
EP  - 442
IS  - 49
LA  - en
AB  - The purpose of this research is to explore the relationship between financial behaviors and the determinants of demand for financial education. This study uses a quantitative approach and collects data through an online survey method. The study was conducted with the participation of university students in Romania and Türkiye. A total of 673 responses from both countries were included in the statistical analysis, and financial behavior scores were calculated based on these data. To examine the relationship between financial behavior scores and the factors influencing the demand for financial education, an independent samples t-test was applied to find statistical evidence. The findings of this study revealed no significant difference in positive financial behavior levels between student groups from Romania and Türkiye. Besides, the study found that sufficient knowledge of personal finance positively influences financial behavior. Furthermore, it was observed that students in Romania have a significantly higher demand for financial education compared to those in Türkiye. This study concluded that as positive financial behavior increases, the demand for financial education also rises. By identifying the factors influencing the demand for financial education, this research contributes policymakers and educational authorities in creating more effective programs to enhance financial literacy.
KW  - Financial Behavior
KW  - Financial Education
KW  - Financial Literacy
KW  - Financial Decision
N2  - Bu çalışmanın amacı, finansal davranışlar ile finansal eğitim talebinin belirleyicileri arasındaki ilişkiyi incelemektir. Bu çalışmada nicel araştırma yöntemi kullanılmış olup veriler çevrimiçi anket yöntemiyle toplanmıştır. Çalışma, Romanya ve Türkiye'den üniversite öğrencilerinin katılımıyla yapılmıştır. Her iki ülkeden toplam 673 yanıt istatistiksel analize dahil edilmiş olup, elde edilen bu verilere göre finansal davranış puanları hesaplanmıştır. Finansal davranış puanları ile finansal eğitim talebini etkileyen faktörler arasındaki ilişkiyi incelemek için bağımsız örneklem t-testi kullanılmıştır. Bu çalışmanın bulguları, Romanya ve Türkiye üniversite öğrencileri arasında, pozitif finansal davranış düzeyi açısından bir farklılık olmadığını ortaya koymuştur. Diğer yandan bu araştırma, kişisel finans hakkındaki yeterli bilginin, finansal davranışı olumlu yönde etkilediğini göstermiştir. Ayrıca bulgular, Romanya'daki öğrencilerin finansal eğitim talebinin Türkiye'deki öğrencilerden önemli ölçüde yüksek olduğunu belirlemiştir. Çalışmanın sonucunda, pozitif finansal davranış düzeyi arttıkça finansal eğitime olan talebin de arttığı sonucuna ulaşılmıştır. Bu araştırma finansal eğitim talebine ilişkin belirleyicileri ortaya koyarak, politika yapıcıların ve eğitim otoritelerinin finansal okuryazarlığı artırmak için daha etkili programlar geliştirmelerine katkı sağlamaktadır.
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UR  - https://doi.org/10.18092/ulikidince.1740330
L1  - https://dergipark.org.tr/en/download/article-file/5046319
ER  -