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FİNANSAL OKURYAZARLIĞIN GELİŞİMİNDE FİNANSAL SOSYALİZASYON TEMELLİ BİR MODEL ÖNERİSİ

Year 2021, Volume: 5 Issue: 4, 1342 - 1349, 31.12.2021
https://doi.org/10.47525/ulasbid.1000960

Abstract

Geçmiş neslin, şimdiki nesle göre finansal kararlarda ve finansal davranışlarda daha başarılı olduğu yadsınamaz bir gerçekliktir. Bunun altında yatan en önemli sebep finansal sosyalizasyon kavramı altında özellikle de paranın erken yaş döneminde kazanılması ve kullanılmasının o dönemlerde daha yaygın olarak uygulatılmasıdır. Her konuda olduğu gibi gelişen ve değişen teknolojik çevre günümüzde, ailenin, ebeveynlerin ve iş hayatının oluşturduğu bu finansal sosyalizasyonun etkisini günden güne azaltmaktadır. Ülkemizde daimi statüde iş bulabilme aralığının 25-30’lu yaşlar olduğu düşünüldüğünde, özellikle de bireysel anlamda, kazanılan para üzerinden elde edilen finansal tecrübenin birey açısından çok geç elde edildiği söylenebilir. Tartışılan diğer bir konu da alınan finansal eğitimin, finansal sosyalizasyon kapsamında zamansal uyumudur. Bu dönemde ebeveynler tarafından yapılan yanlışlardan birisi de çocuğun her konuda bilgiyi okulda alması gerekliliği ile ilgilidir. Burada ebeveynleri bu düşünceye iten sebeplerin başında ailelerde yaygın olarak anne ve babaların çalışıyor olmaları ve çocuklarına yeteri kadar zaman ayıramamaları gelmektedir. Finansal eğitimin başlangıç noktası ve yeri aile, en etkili öğreticileri de ebeveynlerdir. Dolayısıyla ebeveynler sadece, çocuklarının iyi eğitim alarak iyi bir gelecek elde etmelerine yardımcı olmamalı aynı zamanda onların geleceklerini doğru finansal karar ve davranışlarla şekillendirecek davranışlar sergilemelidirler.
Bu doğrultuda çalışmada, bireylerin finansal bilgi, davranış ve kararlarında etkili olabilecek finansal sosyalizasyon kavramı üzerinde durulmaktadır. Ailenin, ebeveynlerin, para ve iş tecrübesinin ve eğitimin finansal sosyalizasyonun önemli kanalları olduğu vurgulanarak bu kanalların, bireylerin finansal okuryazarlık düzeyleri üzerinde önemli etkileri oluşturabileceği anlatılmaktadır.

Thanks

Çalışmalarımıza yayınlanma imkanı verdiğiniz için çok teşekkür ederiz.

References

  • American Savings Education Council. (1999). Youth & money 1999: Results of the 1999 youth and money survey. Retrieved March 31, 2006.
  • Beutler, I., & Dickson, L. (2008). Consumer economic socialization. Handbook of consumer finance research, 83-102.
  • Danes, S. M. (1994). Parental perceptions of children’s financial socialization. Journal of Financial Counseling and Planning, 5, 27–146. Deenanath, V., Danes, S. M., & Jang, J. (2019). Purposive and Unintentional Family Financial Socialization, Subjective Financial Knowledge, and Financial Behavior of High School Students. Journal of Financial Counseling and Planning, 30(1), 83-96.
  • Drever, A., Odders-White, E., Kalish, C. W., Else-Quest, N. M., Hoagland, E. M. and Nelms, E. N. (2015). Foundations of financial well-being: Insights into the role of executive function, financial socialization, and experience-based learning in childhood and youth. The Journal of Consumer Affairs, 49(1), 13–38.
  • Edwards, R., Allen, M. A. and Hayhoe, C. R. (2007). Financial attitudes and family communication about students’ finances: the role of sex differences. Communication Reports, 20(2), 90-100.
  • Gudmunson, C. G., & Danes, S. M. (2011). Family financial socialization: Theory and critical review. Journal of family and economic issues, 32(4), 644-667.
  • Hayta, A. B. (2008). Socialization of the child as a consumer. Family and Consumer Sciences Research Journal, 36, 167–184.
  • Jorgensen, B. L., Rappleyea, D. L., Schweichler, J. T., Fang, X. & Moran, M. E. (2017). The financial behavior of emerging adults: A family financial socialization approach. Journal of Family and Economic Issues, 38, 57-69.
  • McLeod, J. M., & O’Keefe, G. J. (1972). The socialization perspective and communication behavior. Current perspectives in mass communication research, 121-168.
  • Özbek, A. (2019). Erken Dönemde Ekonomi Eğitiminin Finansal Okuryazarlık Düzeyine Etkisi: Uluslararası Bakalorya (IB) Örneği, Ondokuz Mayıs Üniversitesi, Sosyal Bilimler Enstitüsü, 1-190.
  • Roberts, J. and Jones, E. (2001). Money attitudes, credit card use, and compulsive buying among American college students. Journal of Consumer Affairs, 35, 213-240.
  • Schug, M., Walstad, W. (1991). Teaching and learning economics. In: Shaver, J. (Ed.), MacMillian Reference Books. Handbook of Research on Social Studies Teaching and Learning, New York, 411-419.
  • Solheim, C. A., Zuiker, V. S., & Levchenko, P. (2011). Financial socialization family pathways: Reflections from college students’ narratives. Family Science Review, 16(2), 97-112.
  • Webley, P., & Nyhus, E. K. (2006). Parents’ influence on children’s future orientation and saving. Journal of Economic Psychology, 27, 140-164.

THE SUGGESTION OF FINANCIAL SOCIALIZATION BASED MODEL IN THE DEVELOPMENT OF FINANCIAL LITERACY

Year 2021, Volume: 5 Issue: 4, 1342 - 1349, 31.12.2021
https://doi.org/10.47525/ulasbid.1000960

Abstract

It is a stubborn fact that the past generation is more successful in financial decisions and financial behavior than the current generation. The most important reason behind this is that under the concept of financial socialization, especially the earning and using of money at an early age is more common in those periods. Today, the developing and changing technological environment, as in every subject, reduces the impact of this financial socialization which is created by the family, parents and business life day by day. Considering that the range of finding employment in permanent status in our country is 25-30 years old, it can be said that the financial experience gained from the money earned on an individual basis is very late for the individual. Another issue discussed is the temporal cohesion of financial education within the scope of financial socialization. One of the mistakes made by parents during this period is related to the necessity of the child to receive information in every subject at school. Here, the main reasons for pushing parents to this idea are that parents are widely employed in families and they cannot spare enough time for their children. The starting point and place of financial education is family and the most effective teachers are parents. Therefore, parents should not only help their children to achieve a good future by receiving good education, but also to display behaviors that shape their future with the right financial decisions and behaviors.
Accordingly, the study focuses on the concept of financial socialization, which can be effective in individuals' financial information, behavior and decisions. It is emphasized that family, parents, money and work experience and education are important channels of financial socialization and these channels can have important effects on individuals' financial literacy levels.

References

  • American Savings Education Council. (1999). Youth & money 1999: Results of the 1999 youth and money survey. Retrieved March 31, 2006.
  • Beutler, I., & Dickson, L. (2008). Consumer economic socialization. Handbook of consumer finance research, 83-102.
  • Danes, S. M. (1994). Parental perceptions of children’s financial socialization. Journal of Financial Counseling and Planning, 5, 27–146. Deenanath, V., Danes, S. M., & Jang, J. (2019). Purposive and Unintentional Family Financial Socialization, Subjective Financial Knowledge, and Financial Behavior of High School Students. Journal of Financial Counseling and Planning, 30(1), 83-96.
  • Drever, A., Odders-White, E., Kalish, C. W., Else-Quest, N. M., Hoagland, E. M. and Nelms, E. N. (2015). Foundations of financial well-being: Insights into the role of executive function, financial socialization, and experience-based learning in childhood and youth. The Journal of Consumer Affairs, 49(1), 13–38.
  • Edwards, R., Allen, M. A. and Hayhoe, C. R. (2007). Financial attitudes and family communication about students’ finances: the role of sex differences. Communication Reports, 20(2), 90-100.
  • Gudmunson, C. G., & Danes, S. M. (2011). Family financial socialization: Theory and critical review. Journal of family and economic issues, 32(4), 644-667.
  • Hayta, A. B. (2008). Socialization of the child as a consumer. Family and Consumer Sciences Research Journal, 36, 167–184.
  • Jorgensen, B. L., Rappleyea, D. L., Schweichler, J. T., Fang, X. & Moran, M. E. (2017). The financial behavior of emerging adults: A family financial socialization approach. Journal of Family and Economic Issues, 38, 57-69.
  • McLeod, J. M., & O’Keefe, G. J. (1972). The socialization perspective and communication behavior. Current perspectives in mass communication research, 121-168.
  • Özbek, A. (2019). Erken Dönemde Ekonomi Eğitiminin Finansal Okuryazarlık Düzeyine Etkisi: Uluslararası Bakalorya (IB) Örneği, Ondokuz Mayıs Üniversitesi, Sosyal Bilimler Enstitüsü, 1-190.
  • Roberts, J. and Jones, E. (2001). Money attitudes, credit card use, and compulsive buying among American college students. Journal of Consumer Affairs, 35, 213-240.
  • Schug, M., Walstad, W. (1991). Teaching and learning economics. In: Shaver, J. (Ed.), MacMillian Reference Books. Handbook of Research on Social Studies Teaching and Learning, New York, 411-419.
  • Solheim, C. A., Zuiker, V. S., & Levchenko, P. (2011). Financial socialization family pathways: Reflections from college students’ narratives. Family Science Review, 16(2), 97-112.
  • Webley, P., & Nyhus, E. K. (2006). Parents’ influence on children’s future orientation and saving. Journal of Economic Psychology, 27, 140-164.
There are 14 citations in total.

Details

Primary Language Turkish
Journal Section Articles
Authors

Adem Özbek 0000-0001-6599-6337

Ayşe Aydın This is me 0000-0001-7538-8407

Publication Date December 31, 2021
Submission Date September 26, 2021
Published in Issue Year 2021 Volume: 5 Issue: 4

Cite

APA Özbek, A., & Aydın, A. (2021). FİNANSAL OKURYAZARLIĞIN GELİŞİMİNDE FİNANSAL SOSYALİZASYON TEMELLİ BİR MODEL ÖNERİSİ. Uluslararası Anadolu Sosyal Bilimler Dergisi, 5(4), 1342-1349. https://doi.org/10.47525/ulasbid.1000960

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