Application of the fuzzy DEMATEL approach to undergraduate students’ financial behavior preferences

Year 2025, Issue: 71, 45 - 53, 30.08.2025

Ayşegül Yıldız

https://doi.org/10.18070/erciyesiibd.1664761

Abstract

This study aims to determine the financial literacy levels of undergraduate students of Kütahya Dumlupınar University Faculty of Economics and Administrative Sciences, to calculate the factor weights that are effective in financial behavior preferences, and to determine their impact levels. In the OECD INFE (2012) survey applied to 109 students, the financial behavior preferences of the students have been expressed as long-term financial goal setting, timely bill payment, carefully considered purchases, taking responsibility and creating a household budget, keeping watch of personal financial affairs, saving and investment purchases and not borrowing to make ends meet. The findings obtained in the study of the fuzzy DEMATEL method have been applied in calculating the weights, showing that the students’ taking responsibility and creating a household budget status is the factor with the highest weight and has a high effect and relationship level on other factors. On the other hand, it has been determined that timely bill payment has the lowest weight and the lowest relationship level compared to other factors.

Keywords

Fuzzy DEMATEL , Financial literacy , Financial behavior , Multi-criteria decision-making

Lisans öğrencilerinin finansal davranış tercihlerine bulanık DEMATEL yaklaşımının uygulanması

Abstract

Bu çalışmada Kütahya Dumlupınar Üniversitesi İktisadi ve İdari Bilimler Fakültesi lisans öğrencilerinin finansal okuryazarlık düzeyleri tespit edilerek finansal davranış tercihlerinde etkili olan faktörlerin ağırlıklarının hesaplanması ve etki düzeylerinin belirlenmesi amaçlanmıştır. 109 öğrenciye uygulanan OECD INFE (2012) anketinde öğrencilerin finansal davranış tercihleri uzun vadeli finansal hedef koyma, zamanında fatura ödeme, dikkatli alışveriş yapma, gelir gider bütçesinin yapılması, kişisel mali durum takibi, tasarruf ve yatırım alımları ve geçimi sağlamak için borç almama şeklinde ifade edilmiştir. Ağırlıkların hesaplanmasında bulanık DEMATEL yönteminin uygulandığı çalışmada elde edilen bulgular, öğrencilerin gelir gider bütçesi yapma durumlarının diğer faktörler üzerinde yüksek etki ve ilişki düzeyine sahip, en yüksek ağırlıklı faktör olduğunu göstermektedir. Öte yandan zamanında fatura ödemenin ise diğer faktörlere nazaran en düşük ağırlığa ve en düşük ilişki düzeyine sahip faktör olduğu tespit edilmiştir.

Keywords

Bulanık DEMATEL , Finansal okuryazarlık , Finansal davranış , Çok kriterli karar verme

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