Üniversite Öğrencilerinin Yatırım Davranışlarını Etkileyen Faktörlerin Bir Yapısal Model ile Araştırılması

Year 2023, Volume: 24 Issue: 3, 708 - 722, 04.12.2023

Hüseyin Gürbüz , Veysel Yılmaz

https://doi.org/10.17494/ogusbd.1334492

Abstract

Bireylerin gelecekte ekonomik refah içinde olabilmeleri için finansal becerilere sahip olmaları zorunlu hale gelmiştir. Bunu gerçekleştirmek için de paranın yönetimi ve yatırıma dönüştürülmesi hakkında sahip olunan bilgi düzeyi çok önemlidir. Çalışmada, üniversite öğrencilerin yatırım davranışlarına (IB- Investment behaviour), finansal okuryazarlık (FL- Financial literacy), öz kontrol (SC- Self-control) ve akran etkisi (PI- Peer-influence) önerilen bir yapısal modelle incelenmiştir. Çalışmanın örneklemi, Eskişehir Osmangazi Üniversitesi (ESOGÜ) İİBF öğrenim gören 461 katılımcıyı içermektedir. Çalışmada model uyumu ve hipotez testlerinde kısmi en küçük kareler yapısal eşitlik modellemesi (PLS-SEM) kullanılmıştır. Analiz sonucunda önerilen araştırma modelinin uyumlu olduğu belirlenmiştir. Finansal okuryazarlık ve akran etkisi, yatırımı davranışını olumlu yönde açıklarken, öz kontrol ise yatırım davranışını olumsuz yönde etkilemiştir.

Keywords

Yatırım Davranışı, Akran Etkisi, Finansal Okuryazarlık, Üniversite Öğrencileri, Kısmi En Küçük Kareler Yapısal Eşitlik Modellemesi

Investigation of the Factors Affecting the Investment Behavior of University Students with a Structural Model

Abstract

It has become imperative for individuals to have financial skills in order to be in economic prosperity in the future. In order to achieve this, the level of knowledge about the management and investment of money is very important. In the study, university students' investment behavior (IB- Investment behaviour), financial literacy (FL- Financial literacy), self-control (SC- Self-control) and peer influence (PI- Peer-influence) were examined with a proposed structural model. The sample of the study includes 461 participants studying at Eskişehir Osmangazi University (ESOGÜ) Faculty of Economics and Administrative Sciences.. In the study, partial least squares structural equation modeling (PLS-SEM) was used for model fit and hypothesis testing. As a result of the analysis, it was determined that the proposed research model was compatible. While financial literacy and peer influence explained the investment behavior positively, self-control negatively affected the investment behavior.

Keywords

Investment Behavior, Peer Influence, Financial Literacy, University Students, Partial Least Squares Structural Equation Modelling (PLS-SEM).

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