FİNANSAL EĞİTİMDEN FİNANSAL OKURYAZARLIĞA: FİNANSAL ÖZ GÜVENİN ARACI ROLÜ

Year 2025, Volume: 8 Issue: 2, 348 - 360, 01.10.2025

Huriye Bozok , Letife Özdemir , Ender Baykut , Veysel Kula

https://doi.org/10.32951/mufider.1732885

Abstract

Temel finans eğitimine maruz kalma genellikle finansal okuryazarlığın temel bir unsuru olarak kabul edilir. Bu çalışma, üniversite düzeyindeki finans derslerinin öğrencilerin finansal okuryazarlığı üzerindeki etkisini, özellikle finansal özgüvenin aracılık rolüne vurgu yaparak araştırmaktadır. Araştırma, Afyon Kocatepe Üniversitesi İktisadi ve İdari Bilimler Fakültesi öğrencilerine uygulanan bir anket yoluyla toplanan verileri kullanmaktadır. Anket, 838 öğrenciden oluşan bir örneklemi kapsamaktadır. Toplanan veriler Hayes' PROCESS Model 4 kullanılarak analiz edilmiştir. Bulgular, finans derslerinde başarının finansal okuryazarlık üzerinde olumlu bir etkiye sahip olduğunu ortaya koymaktadır. Dahası, bir finans dersinin başarısının etkisinin bir kısmı finansal özgüvenden geçmektedir. Bu bulgu, finans derslerinin yalnızca teorik eğitimle verilmemesi gerektiğini, aynı zamanda öğrencilerin özgüvenini artıran uygulamaya dayalı yaklaşımları da içermesi gerektiğini göstermektedir.

Keywords

Finansal Okuryazarlık , Finans Eğitimi , Hayes Süreci , Aracılık Rolü

FROM FINANCIAL EDUCATION TO FINANCIAL LITERACY: MEDIATING ROLE OF FINANCIAL SELF-CONFIDENCE

Abstract

Exposure to basic financial education is commonly regarded as a fundamental element of financial literacy. This study investigates the impact of university-level finance courses on students’ financial literacy with a special emphasis on the mediating role of financial self-confidence. The research utilises data collected through a survey administered to students from the Faculty of Economics and Administrative Sciences at Afyon Kocatepe University. The survey encompassed a sample of 838 students. The collected data were analysed using Hayes' PROCESS Model 4. The findings reveal that success in finance courses has a positive effect on financial literacy. Moreover, part of the effect of a finance course's success is passed through financial self-confidence. This finding suggests that finance courses should not be delivered solely through theoretical instruction, but should also incorporate practice-based approaches that enhance students' self-confidence.

Keywords

Financial Literacy , Financial Education , Hayes Process , Mediating Role

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