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Financial Literacy and The Effect of Courses on University on Financial Literacy

Year 2021, Issue: 64, 1 - 17, 31.01.2021
https://doi.org/10.26650/MED.757866

Abstract

Today, developing information technologies and financial systems affect every area of our lives. Financial literacy knowledge, even that ordinary citizens, positively affects some of the financial decisions that they will make regarding their lives. In this context, it is important to determine the financial literacy level of individuals. In this study, the financial literacy level of students studying at Alanya Alaaddin Keykubat University Faculty of Economics and Administrative Sciences (İ.İ.B.F.) was investigated in order to examine the financial literacy status of university students. In addition, how the level of financial literacy was affected by different variables such as the level of being affected by the lessons given on the subject and the students’ opinions about education, was also measured. According to the findings obtained from the study, students’ lessons and gender do not affect the level of financial literacy. Rather, financial literacy levels are affected by students’ self-evaluation of their own financial literacy, the grades they have studied and GPA. Findings obtained from the study generally show that students’ financial literacy level is low.

References

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Finansal Okuryazarlık ve Üniversitede Verilen Derslerin Finansal Okuryazarlık Üzerine Etkisi

Year 2021, Issue: 64, 1 - 17, 31.01.2021
https://doi.org/10.26650/MED.757866

Abstract

Günümüzde gelişen bilgi teknolojileri ve finansal sistemler hayatımızın her alanını etkilemektedir. Sıradan bir vatandaşın bile finansal okuryazarlık bilgisi hayata dair alacağı bazı finansal kararları olumlu etkilemektedir. Bu bağlamda kişilerin finansal okuryazarlık seviyesinin tespit edilmesi önem arz etmektedir. Bu çalışmada üniversite öğrencilerinin finansal okuryazarlık durumlarını incelemek amacıyla Alanya Alaaddin Keykubat Üniversitesi İktisadi ve İdari Bilimler Fakültesi’nde (İİBF) okuyan öğrencilerin finansal okuryazarlık düzeyi araştırılmıştır. Ayrıca finansal okuryazarlık düzeyinin, konuya ilişkin verilen derslerden etkilenme düzeyi ve öğrencilerin eğitime ilişkin düşünceleri gibi farklı değişkenlerden nasıl etkilendiği de ölçülmüştür. Çalışmadan elde edilen bulgulara göre; öğrencilerin aldıkları dersler ile cinsiyetleri finansal okuryazarlık düzeyini etkilememektedir. Buna karşın öğrencilerin kendi finansal okuryazarlıklarına yönelik değerlendirmeleri, okuduğu sınıf ve not ortalaması finansal okuryazarlık düzeyini etkilemektedir. Çalışmadan elde edilen bulgular genel anlamda öğrencilerin finansal okuryazarlık seviyesinin düşük olduğunu göstermektedir.

References

  • Adeleke, T. (2013). The Effects of Gender and Gender Role on the Financial Literacy of College Students. Wilmington, North Carolina: Oklahoma State University
  • Agarwal, S., Driscoll, J. C., Gabaix, X. ve Laibson, D. (2009). The age of reason: Financial decisions over the lifecycle. Brookings Papers on Economic Activity, (2), 51-117.
  • Alba, Joseph V. & Hutchinson J. W. (1987). Dimensions of Consumer Expertise.» Journal of Consumer Research, 13(4), 411-454. https://doi.org/10.1086/209080.
  • Alkaya, A. & Yağlı, İ. (2015).Finansal Okuryazarlık-Finansal Bilgi, Davranış ve Tutum: Nevşehir Hacı Bektaş Veli Üniversitesi İİBF Öğrencileri Üzerine Bir Uygulama. Journal of International Social Research 8(40), 585-599.
  • Altintas, K. M. (2011). The Dynamics Of Financial Literacy Within The Framework Of Personal Finance: An Analysis Among Turkish University Students. African Journal of Business Management 5(26), 10483-10491.
  • Ansong, A. & Michael G. (2012). Determinants of University Working-Students’ Financial Literacy at the University of Cape Coast, Ghana. International Journal of Business and Management, 7(9), 126-133.
  • Atkinson, A. & Flore-Anne, M. (2012). Measuring financial Literacy: Results. https://doi.org/10.1787/20797117.
  • Barış, S. (2016). Finansal Okuryazarlık Ve Bütçeleme Davranışı: Üniversite Öğrencileri Üzerine Bir Araştırma. TESAM Akademi Dergisi 3(2), 13-38. http://tesamakademi.com/wp-content/uploads/2016/09/1.pdf.
  • Barmakı, N. & Şener, A. (2017). Üniversite Öğrencilerinin Finansal Okuryazarlik Düzeyleri. Journal of Current Researches on Social Sciences 7(3), 67-88.
  • Bayram, S. S. (2014). Finansal Okuryazarlık Ve Para Yönetimi Davranışları: Anadolu Üniversitesi Öğrencileri Üzerine Uygulama. Business & Management Studies: An International Journal 2(2), 105-135.
  • Beal, D. J. & Delpachitra, S. B. (2003). Financial Literacy Among Australian University Students. Economic Papers, 65-78.
  • Borden, L. M., Sun-A Lee, J. S. & Collins, D. (2008). Changing College Students’ Financial Knowledge, Attitudes, and Behavior through Seminar Participation. Journal of Family and Economic Issues volume 29, 23-40.
  • Bruin, W. B., Vanderklaauw, W., Downs, J. S., Fischhoff, B. & Topa, G. (2010). Expectations of Inflation: The Role of Demographic Variables, Expectation Formation, and Financial Literacy. Journal of Consumer Affairs 44.2, 381-402.
  • Chen, H. & Volpe, R. P. (1998). An Analysis of Personal Financial Literacy Among College Students. Financial Services Review (7)2, 107-128.
  • Chen, H. & Volpe, R. P. (2002). Gender Differences İn Personal Financial Literacy Among College Students. Financial Services Review 11(3), 289-307.
  • Coleman, S. (2003). Women And Risk: An Analysis Of Attitudes And İnvestment Behavior. Academy Of Accounting And Financial Studies Journal, 7(2) 99.
  • Contuk, F. Y. (2018). Üniversite Öğrencilerinin Finansal Okuryazarlık Durumunu Etkileyen Faktörler Üzerine Bir Araştırma: Muğla Sıtkı Koçman Üniversitesi Örneği. Muhasebe ve Finansman Dergisi, 113-136.
  • Coşkun, S. (2016). Üniversite Öğrencilerinin Finansal Davranış Ve Tutumlarının Belirlenmesi: Finansal Okuryazarlık Algıları Üzerine Bir Araştırma. Itobiad: Journal of the Human & Social Science Researches, 5(7), 2247-2258.
  • Cude, B. J., Lawrence, F. C., Lyons, A. C., Metzger, K., LeJeune, E., Marks, L. & Machtmes, K. (2006). College Students and Financial Literacy: What They Know and What We Need to Learn. Eastern Family Economics and Resource Management Association, 102-109.
  • Cull, M., & Whitton, D. (2011). University students' financial literacy levels: Obstacles and aids. he Economic and Labour Relations Review, 99-114.
  • Çam, A. V. & Barut, A. (2015). Finansal Okuryazarlık Düzeyi ve Davranışları: Gümüşhane Üniversitesi Önlisans Öğrencileri Üzerine Bir Araştırma. Global Journal of Economics and Business Studies 4(7), 63-72.
  • 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.
  • Çokluk, Ö., Şekercioğlu, G. & Büyüköztürk, Ş. (2018). Sosyal Bilimler İçin Çok Değişkenli İstatistik: SPSS Ve LISREL Uygulamaları. Ankara: Pegem Akademi.
  • Danes, S. & Hira, T. (1987). Money Management Knowledge Of College Students. Journal of Student Financial Aid (17)1, 4-16.
  • Danışman, E., Sezer, D. & Gümüş, U. T. (2016). Finansal Okuryazarlık Düzeyinin Belirlenmesi: Üniversite Öğrencileri Üzerine Bir Araştırma. Kara Harp Okulu Bilim Dergisi 26(2), 1-37.
  • Demirkol, F. & Erduru, İ. (2017). Üniversite Öğrencilerinin Finansal Okuryazarlık Düzeylerinin Tespitine Yönelik Bir Araştırma: Harran Üniversitesi Örneği. İşletme ve İktisat Çalışmaları Dergisi, 12-26.
  • Dvorak, T. & Hanley, H. (2010). Financial Literacy And The Design Of Retirement Plans. The Journal Of Socio-Economics 39(6), 645-652.
  • Elmas, B. & Yılmaz, H. (2016). Finansal Okuryazarlık: Ağrı İbrahim Çeçen Üniversitesi İktisadi Ve İdari Bilimler Fakültesi Öğrencileri Üzerine Bir Çalışma. Ağrı İbrahim Çeçen Üniversitesi Sosyal Bilimler Enstitüsü Dergisi, 2(1), 1.
  • Er, F., Temizel, F., Özdemir, A. & Sönmez, H. (2014). Lisans Eğitim Programlarının Finansal Okuryazarlık Düzeyine Etkisinin. Anadolu Üniversitesi Sosyal Bilimler Dergisi, 113-125.
  • Ergün, B., Şahin, A. & Ergin, E. (2014). Finansal Okuryazarlık: İşletme Bölümü Öğrencileri Üzerine Bir Çalışma. 847-867.
  • Fernandes, D., Jr., J. G. & Netemeyer, R. G. (2014). Financial Literacy, Financial Education, and Downstream Financial Behaviors. Management Science. 60(8), 1861-1883.
  • Furtuna, F. (2007). College students’ personal financial literacy: Economic impact and public policy implications. Undergraduate Economic Review 4(1),1.
  • Garson, G. D. (2020). Logistic regression. Erişim adresi: https://faculty.chass.ncsu.edu/garson/PA765/logistic.htm Erişim tarihi: 15.4.2020
  • Gümüş, U. T. & Pailer, M. K. (2019). Öğrencilerin Finans Dersi Alma Durumunun Finansal Okur Yazarlık Seviyesine Etkisi: Bir Nazilli Örneği. OPUS Uluslararası Toplum Araştırmaları Dergisi 11, 1496-1516.
  • Güvenç, H. (2017). Öğretim Programlarımızda Finansal Okuryazarlık. Elementary Education Online 16(3), 935-948.
  • Hair, J. F., Black, W. C., Babin, B. J. & Anderson, R. E. (1998). Multivariate data analysis. Pearson.
  • Hung, A. A., Parker, A. M. & Yoong, J. (2009). Defining and Measuring Financial Literacy. RAND Working Paper Series WR-708.
  • Huston, S. J. (2010). Measuring financial literacy. Journal of Consumer 44(2), 296-316.
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There are 77 citations in total.

Details

Primary Language Turkish
Subjects Business Administration
Journal Section RESEARCH ARTICLES
Authors

Süleyman Uyar 0000-0001-7895-1779

Işıl Atalay 0000-0003-2690-2144

Publication Date January 31, 2021
Published in Issue Year 2021 Issue: 64

Cite

APA Uyar, S., & Atalay, I. (2021). Finansal Okuryazarlık ve Üniversitede Verilen Derslerin Finansal Okuryazarlık Üzerine Etkisi. Journal of Accounting Institute(64), 1-17. https://doi.org/10.26650/MED.757866
AMA Uyar S, Atalay I. Finansal Okuryazarlık ve Üniversitede Verilen Derslerin Finansal Okuryazarlık Üzerine Etkisi. MED. January 2021;(64):1-17. doi:10.26650/MED.757866
Chicago Uyar, Süleyman, and Işıl Atalay. “Finansal Okuryazarlık Ve Üniversitede Verilen Derslerin Finansal Okuryazarlık Üzerine Etkisi”. Journal of Accounting Institute, no. 64 (January 2021): 1-17. https://doi.org/10.26650/MED.757866.
EndNote Uyar S, Atalay I (January 1, 2021) Finansal Okuryazarlık ve Üniversitede Verilen Derslerin Finansal Okuryazarlık Üzerine Etkisi. Journal of Accounting Institute 64 1–17.
IEEE S. Uyar and I. Atalay, “Finansal Okuryazarlık ve Üniversitede Verilen Derslerin Finansal Okuryazarlık Üzerine Etkisi”, MED, no. 64, pp. 1–17, January 2021, doi: 10.26650/MED.757866.
ISNAD Uyar, Süleyman - Atalay, Işıl. “Finansal Okuryazarlık Ve Üniversitede Verilen Derslerin Finansal Okuryazarlık Üzerine Etkisi”. Journal of Accounting Institute 64 (January 2021), 1-17. https://doi.org/10.26650/MED.757866.
JAMA Uyar S, Atalay I. Finansal Okuryazarlık ve Üniversitede Verilen Derslerin Finansal Okuryazarlık Üzerine Etkisi. MED. 2021;:1–17.
MLA Uyar, Süleyman and Işıl Atalay. “Finansal Okuryazarlık Ve Üniversitede Verilen Derslerin Finansal Okuryazarlık Üzerine Etkisi”. Journal of Accounting Institute, no. 64, 2021, pp. 1-17, doi:10.26650/MED.757866.
Vancouver Uyar S, Atalay I. Finansal Okuryazarlık ve Üniversitede Verilen Derslerin Finansal Okuryazarlık Üzerine Etkisi. MED. 2021(64):1-17.