Üniversite Öğrencilerinin Finansal Okuryazarlığı: Balıkesir Üniversitesi Örneği

Year 2019, , 1385 - 1410, 30.06.2019

Kutlu Ergün , Alpaslan Serel

https://doi.org/10.15869/itobiad.560067

Cited By: 3

Abstract

Bu çalışma, üniversite
öğrencilerinin finansal bilgi düzeyi ile sosyo-ekonomik ve sosyo-demografik özellikleri
arasındaki ilişkiyi belirlemeyi amaçlamıştır. Araştırmanın örneklemini 2050
öğrenci oluşturmuş olup, çalışma genel tarama (survey) modeli kullanılarak
gerçekleştirilmiştir. Verilerin analizinde parametrik testler (t-testi ve
ANOVA) ve parametrik olmayan testler (Mann, Whitney U ve Kruskal-Wallis H)
kullanılmıştır. Çalışma sonuçları, öğrencilerin finansal okuryazarlık düzeyinin
düşük olduğunu ortaya koymuştur. Cinsiyet, yaş, öğretim türü, eğitim alanı ve
düzeyi, akademik başarı, çalışma hayatına ait deneyim, aile eğitim ve gelir
düzeyi ve kredi kartı sahipliğinin finansal okuryazarlık seviyesi açısından
temel belirleyiciler olduğu sonucuna ulaşılmıştır. Ayrıca, televizyonun
finansal okuryazarlık üzerinde diğer finansal bilgi kaynaklarından daha etkin
olduğu saptanmıştır. Bu kapsamda, finansal okuryazarlığa ilişkin derslerin ve
uygulama çalışmalarının müfredata yerleştirilmesinin öğrencilerin finansal
okuryazarlık düzeyini artırtabileceği dikkate alınmalıdır.                        

Keywords

Finansal Okuryazarlık, Finansal Bilgi, Finansal Davranış, Finansal Eğitim, Üniversite Öğrencisi

Financial Literacy among University Students: A Sample of Balikesir University

Abstract

The study aims to determine the correlation between financial knowledge
levels and socio-demographic and socio-economic variables of university
students.  Study sample consisted of a
total of 2050 students and the study was carried out using a general survey
model. In the analysis of data, parametric tests (t-test and ANOVA) and
non-parametric tests (Mann Whitney U and Kruskal-Wallis H) were used. Study
results indicated that financial literacy levels of Balikesir University
students were low. It was concluded that gender, age, type of education,
educational field and level, academic achievement, working experience, family
education and income and credit card ownership were basic determinants of financial
literacy level. In addition, it was determined that television was more
effective on financial literacy, compared to other financial information
sources. In this framework, it should be considered that including financial literacy
courses and application studies in the curricula may increase the financial
literacy levels of students.          

Keywords

Financial Literacy, Financial Knowledge, Financial Behavior, Financial Education, University Student

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