FİNANSAL DAVRANIŞLAR, FİNANSAL GERGİNLİK ve YAŞAM MEMNUNİYETİ ARASINDAKİ İLİŞKİLER: ÜNİVERSİTE ÖĞRENCİLERİ ÜZERİNDE BİR ARAŞTIRMA

Yıl 2020, Sayı: 35, 103 - 128, 30.08.2020

Ayşegül Yıldırım Kutbay Haşim Bağcı

https://doi.org/10.14520/adyusbd.556870

Öz

Bu
araştırmada, bireylerin finansal kararlarına etki eden faktörlerin ortaya
konulması ve bireylerin aldığı kararlar doğrultusunda yaşadıkları finansal
gerginlik tespit edilmek istenmiştir. Ayrıca finansal gerginliğin yaşam
memnuniyetini hangi ölçüde etkilediğinin test edilmesi de amaçlanmıştır. Bu
bağlamda, araştırmanın değişkenlerini ölçmeye yönelik ifadelerden oluşan ve
online ortamda hazırlanan anket formu Aksaray üniversitesinde eğitim gören
öğrencilere mail aracılığı ile dağıtılmış ve 371 gönüllü cevaplayıcı tarafından
doldurulmuştur. Elde edilen sonuçlara göre, hesap kontrolü yapan bireylerin
kendilerini finansal açıdan gergin hissetmediği ve yaşam memnuniyetlerinin
yüksek olduğu tespit edilmiştir. Ayrıca gider yönetiminin finansal gerginlik
üzerinde anlamlı bir etkisi tespit edilmiştir.

Anahtar Kelimeler

Gider yönetimi, hesap kontrolü, finansal gerginlik, yaşam memnuniyeti

Kaynakça

• Arnett, J. (2000). “Emerging Adulthood: A Theory Of Development From The Late Teens Through The Twenties”. American Psychologist, 55(5): 469-480.
• Bayram, N. (2010). Yapısal Eşitlik Modellemesine Giriş: Amos Uygulamaları. Bursa: Ezgi Kitabevi.
• Diener, E., Emmons, R., Larsen, R. & Gri, S. (1985). “The Satisfaction With Life Scale”. Journal of Personality Assessment, 49(1): 71-75.
• Diener, E. & Suh, E. (1997). “Measuring Quality Of Life: Economic, Social, and Subjective Indicators”. Social Indicators Research, 40(1-2): 189-216.
• Fitzsimmons, V., Hira, T., Bauer, J. & Hafst, J. (1993). “Financial Management: Development Of Scales”. Journal of Family and Economic Issues, 14: 257–273.
• Fornell, C. & Larcker, D. (1981). “Evaluating Structural Equation Models With Unobservable Variables and Measurement Error”. Journal of Marketing Research, 18(1): 39-50.
• Grable, J. & Joo, S.-H. (2006). “Student Racial Differences in Credit Card Debt and Financial Behaviors and Stress”. College Student Journal, 40(2): 400–408.
• Gutman, L., McLoyd, V. & Tokoyawa, T. (2005). “Financial Strain, Neighborhood Stress, Parenting Behaviors and Adolescent Adjustment in Urban African American Families”. Journal of Research on Adolescence, 15(4): 425-449.
• Hair, J., Lukas, B., Roberts, K. & Lee-Luka, S. (2014). Marketing Research. Australia: McGraw-Hill.
• Hayhoe, C., Leach, L., Turner, P., Bruin, M., & Lawrence, F. (2000). “Differences in Spending Habits and Credit Card Use Of College Students”. The Journal of Consumer Affairs, 34(1): 113–133.
• Heller, D., Watson, D. & Ilies, R. (2004). “The Role Of Person Versus Situation in Life Satisfaction: A Critical Examination”. Psychological Bulletin, 130: 574-600.
• Hibbert, J., Beutler, I. & Martin, T. (2004). “Financial Prudence and Next Generation Financial Strain”. Journal of Financial Counseling and Planning, 15(2): 51-59.
• Hilgert, M., Hogarth, J. & Beverly, S. (2003). “Household Financial Management: The Connection Between Knowledge and Behavior”. Federal Reserve Bulletin, 89: 309–322.
• Huang, C., Wang, Y., Wu, T. & Wang, P. (2013). “An Empirical Analysis Of The Antecedents and Performance Consequences Of Using The Moodle Platform”. International Journal of Information and Education Technology, 3(2): 217-221.
• Kahn, J. & Pearlin, L. (2006). “Financial Strain Over The Life Course and Health Among Older Adults”. Journal of Health and Social Behavior, 47(1): 17-31.
• Krause, N., Jay, G. & Liang, J. (1991). “Financial Strain and Psychological Well-Being Among The American and Japanese Elderly”. Psychology and Aging, 6(2): 170-181.
• Lyons, A. (2004). “A Profile Of Financially At‐Risk College Students”. Journal of Consumer Affairs, 38(1): 56-80.
• Lyons, A. (2007). Credit Practices and Financial Education Needs Of Midwest College Students. Networks Financial Institute Working Paper, 23: 1-42.
• Lyons, A. (2008). Risky Credit Card Behavior Of College Students. Germany: Springer, Handbook of consumer finance research, 185-207.
• Manning, R. (2000). Credit Card Nation: The Consequences of America’s Addiction to Credit. New York: Basic Books.
• Mendes de Leon, C., Rapp, S. & Kasl, S. (1994). “Financial Strain and Symptoms of Depression in a Community Sample of Elderly Men and Women. A Longitudinal Study”. Journal of Aging and Health, 6(4): 448-468.
• Nazik, M. ve Ersoy, S. (2006). Aile Ekonomisi. Ankara: Gazi Kitabevi.
• Norvilitis, J., Merwin, M., Osberg, T., Roehling , P., Young, P. & Kamas, M. (2006). “Personality Factors, Money Attitudes, Financial Knowledge, and Credit‐Card Debt in College Students”. Journal Of Applied Social Psychology, 36(6): 1395-1413.
• Onur, N. ve Nazik, M. (2014). “Öğretmenler İçin Bireysel Finans Alanında Finansal Tutum Ölçeğinin Geliştirilmesi (Ftö): Geçerlik Ve Güvenilirlik Çalışması”. NWSA-Vocational Sciences, 90-99.
• Öztürk, E. & Demir, Y. (2015). “Finansal Okuryazarlık ve Para Yönetimi: Süleyman Demirel Üniversitesi Akademik Personel Üzerine Bir Uygulama”. Muhasebe ve Finansman Dergisi, 68: 113-134.
• Pinto, M., Parente, D. & Palmer, T. (2001). College Student Performance and Credit Card Usage. Journal of College Student Development, 42(1): 49–58.
• Roberts, J. & Tanner Jr, J. (2000). “Compulsive Buying and Risky Behavior Among Adolescents”. Psychological Reports, 86(3): 763-770.
• Sabri, M., MacDonald, M., Hira, T. & Masud, J. (2010). “Childhood Consumer Experience and The Financial Literacy Of College Students in Malaysia”. Family and Consumer Sciences Research Journal, 38(4): 455-467.
• Shim, S., Xiao, J., Barber, B. & Lyons, A. (2009). “Pathways To Life Success: A Conceptual Model Of Financial Well-Being For Young Adults”. Journal of Applied Developmental Psychology, 30(6): 708-723.
• Vittersø, J., Biswas-Diener, R. & Diener, E. (2005). “The Divergent Meanings Of Life Satisfaction: Item Response Modeling Of The Satisfaction With Life Scale in Greenland and Norway”. Social Indicators Research, 74(2): 327-348.
• Voydanoff, P. (1990). “Economic Distress and Family Relations: A Review Of The Eighties”. Journal of Marriage and the Family, 52(4): 1099-1115.
• Xiao, J., Tang, C. & Shim, S. (2009). “Acting For Happiness: Financial Behavior and Life Satisfaction Of College Students”. Social Indicators Research, 92(1): 53-68.
• Yaşlıoğlu, M. (2017). “Sosyal Bilimlerde Faktör Analizi ve Geçerlilik: Keşfedici ve Doğrulayıcı Faktör Analizlerinin Kullanılması”. İstanbul Business Research, 46: 74-85.