Araştırma Makalesi
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Effect of Early Economy Education and Financial Socialization on Financial Literacy Level

Yıl 2021, Cilt: 23 Sayı: 2, 694 - 710, 30.06.2021
https://doi.org/10.32709/akusosbil.860749

Öz

The aim of this study is to investigate the effects of early economic and financial education and financial socialization agents on the individual's financial literacy level and financial behavior. For this purpose, a questionnaire was applied to three different groups of 1274 students from Trabzon, Ordu, Samsun and Erzincan, between the ages of 14-18 and those who were or did not receive International Baccalaureate (IB) education, and Commercial Vocational High School students. Structural equation model was used in the analysis of the data. According to the results of the analysis, it was determined that the variables such of family history, economic education and quality financial socialization and arithmetic information provided through money and work, and the financial literacy levels of these students, has a positive effect on their financial behavior. It was determined that the financial literacy levels of other school students who did not have any education on IB have no effect on their financial behavior.


Kaynakça

  • Akdoğan, A. (2014), "Türkiye’deki Uluslararası Bakalorya Pyp programı uygulayan okulların etkili okul özellikleri ve okul kültürü açısından incelenmesi", (Yayınlanmamış doktora tezi). İstanbul Üniversitesi, Eğitim Bilimleri Enstitüsü.
  • Bowen, C. F. (2002), "Financial knowledge of teens and their parents", Financial Counseling and Planning, 13(2), 93-102.
  • Bruhn, M., Leão, L. d. S., Legovini, A., Marchetti, R. and Zia, B. (2016), "The impact of high school financial education: Evidence from a large-scale evaluation in Brazil", American Economic Journal: Applied Economics, 8(4), 256-295.
  • Bucciol, A. and Veronesi, M. (2014), "Teaching children to save and lifetime savings: What is the best strategy", Journal of Economics Psychology, 45, 1-17.
  • Cesarini, D., Johannesson, M., Lichtenstein, P., Sandewall, Ö. and Wallace, B. (2010), "Genetic variation in financial decision making", The journal of finance, 65(5), 1725-1754.
  • Chinadle, N. (2008), "Lucey, TA, & Cooter, KS (eds), Financial Literacy for Children and Youth", In: Springer.
  • Danes, S. M. (1994), "Parental perceptions of children’s financial socialization", Financial Counseling and Planning, 5(1), 27-149.
  • Danes, S. M. and Haberman, H. (2007), "Teen financial knowledge, self-efficacy, and behavior: A gendered view", Journal of Financial Counseling and Planning, 18 (2).
  • Danes, S. M., Huddleston-Casas, C. and Boyce, L. (1999), "Financial planning curriculum for teens: Impact evaluation", Journal of Financial Counseling and Planning, 10(1), 26.
  • Dohmen, T., Falk, A., Huffman, D. and Sunde, U. (2012), "The intergenerational transmission of risk and trust attitudes" The Review of Economic Studies, 79(2), 645-677.
  • Dohmen, T., Falk, A., Huffman, D. and Sunde, U. (2019), "Replication data for: Are Risk Aversion and Impatience Related to Cognitive Ability? "
  • Fernandes, D., Lynch Jr, J. G. and Netemeyer, R. G. (2014), "Financial literacy, financial education, and downstream financial behaviors", Management Science, 60(8), 1861-1883.
  • Glod, M. (2006), "Schools bank on teaching kids how to save" The Washington Post.
  • Gökmen, H. (2011), "Finansal okuryazarlık" , (43): Hiperlink eğit. ilet. yay. san. tic. ve ltd. sti.
  • Grohmann, A., Kouwenberg, R. and Menkhoff, L. (2015), "Childhood roots of financial literacy"., Journal of Economic Psychology, 51,114-133.
  • Gudmunson, C. G. and Danes, S. M. (2011), "Family financial socialization: Theory and critical review", Journal of Family and Economic Issues, 32(4), 644-667.
  • Hair, J. F., Anderson, R. E., Tatham, R. L. and William, C. (1998), "Black (1998), Multivariate data analysis", In: Upper Saddle River, NJ: Prentice Hall.
  • Hryshko, D., Luengo-Prado, M. J. and Sorensen, B. E. (2011), "Childhood determinants of risk aversion: The long shadow of compulsory education", Quantitative Economics, 2(1), 37-72.
  • Ibo. (2012), "Developing a transdisciplinary programme of inquiry", Cardif, Wales, UK.: International Baccalaureate Peterson House
  • Jelks, M. G. (2005), "Premature affluence: Factors related to excessive teen spending", University of Georgia,
  • John, D. R. (1999), "Consumer socialization of children: A retrospective look at twenty-five years of research", Journal of consumer research, 26(3),183-213.
  • Jorgensen, B. L. and Savla, J. (2010), "Financial literacy of young adults: The importance of parental socialization", Family relations, 59(4), 465-478.
  • Kalaycı, Ş. (2010), "SPSS uygulamalı çok değişkenli istatistik teknikleri",(5): Asil Yayın Dağıtım Ankara, Turkey.
  • Kim, C., Yang, Z. and Lee, H. (2015), "Parental style, parental practices, and socialization outcomes: An investigation of their linkages in the consumer socialization context", Journal of Economic Psychology, 49, 15-33.
  • Kornıotis, G. M. and Kumar, A. (2010), "Cognitive abilities and financial decisions", Behavioral Finance, 559-576.
  • Lucey, T. A. and Giannangelo, D. M. (2006), "Short changed: The importance of facilitating equitable financial education in urban society", Education and urban society, 38(3), 268-287.
  • Lusardi, A. and Mitchell, O. S. (2011), "Financial literacy and planning: Implications for retirement wellbeing". Retrieved from
  • Lusardi, A., Mitchell, O. S. and Curto, V. (2010), "Financial literacy among the young", Journal of Consumer Affairs, 44(2), 358-380.
  • Lusardi, A. and Tufano, P. (2009), "Debt Literacy. Financial Experience and Overindebtedness", Dartmouth College and Harvard Business School Working Paper.
  • Lyons, A. C., Scherpf, E. and Roberts, H. (2006), "Financial education and communication between parents and children", The Journal of Consumer Education, 23(2006), 64-76.
  • Moschis, G. P. (1985), "The role of family communication in consumer socialization of children and adolescents", Journal of consumer research, 11(4), 898-913.
  • Oecd. (2014), "PISA 2012 results: Students and money: Financial literacy skills for the 21st century".
  • Schug, M. and Walstad, W. (1991), "Teaching and learning economics", Handbook of research on social studies teaching and learning, 411-419.
  • Shim, S., Xiao, J. J., Barber, B. L. and Lyons, A. C. (2009), "Pathways to life success: A conceptual model of financial well-being for young adults", Journal of Applied Developmental Psychology, 30(6), 708-723.
  • Skagerlund, K., Lind, T., Strömbäck, C., Tinghög, G. and Västfjäll, D. (2018), "Financial literacy and the role of numeracy–How individuals’ attitude and affinity with numbers influence financial literacy", Journal of Behavioral and Experimental Economics, 74, 18-25.
  • Sosin, K., Dick, J. and Reiser, M. L. (1997), "Determinants of achievement of economics concepts by elementary school students", The Journal of Economic Education, 28(2), 100-121.
  • Suiter, M. and Meszaros, B. (2005), "Teaching about saving and investing in the elementary and middle school grades", Social Education, 69(2), 92-95.
  • Van Rooij, M., Lusardi, A. and Alessie, R. (2011), "Financial literacy and stock market participation", Journal of Financial economics, 101(2), 449-472.
  • Vanfossen, P. J. (2003), "Best practice economic education for young children? It's elementary! Kickball or four-square at recess? Pack lunch or buy it? Spend Aunt Edna's $10 birthday check or save it for a larger gift in the future? Do math homework or play soccer after school?(Raising It In Economics)",Social Education, 67(2), 90-95.
  • Walstad, W. B., Rebeck, K. and Macdonald, R. A. (2010), "The effects of financial education on the financial knowledge of high school students", Journal of Consumer Affairs, 44(2), 336-357.
  • Ward, S. (1974), "Consumer socialization", Journal of consumer research, 1(2), 1-14.
  • Webley, P., Burgoyne, C., Lea, S. and Young, B. (2002), "The economic psychology of everyday life": Psychology Press.
  • Xu, L. and Zia, B. (2012), "Financial literacy around the world: an overview of the evidence with practical suggestions for the way forward", The World Bank.
  • Yılmaz, H., and Kaymakçı, T. (2021), “Finansal Davranışlar Ve Finansal Okuryazarlık İlişkisi”, Akademik Hassasiyetler, 8(15), 141-164.
  • Yiğitbaş, Ş., Temeloğlu, E. and Şimşek, A. (2020). “Ortaöğretim Çağındaki Gençlerde Finansal Eğitimin Finansal Okuryazarlık Üzerindeki Etkisi”, IBAD Sosyal Bilimler Dergisi, 411-432.
  • Yücel, K. O. and Uysal, B. (2020). “Kırıkkale’deki lise öğrencilerinin finansal okuryazarlık düzeyinin belirlenmesine yönelik bir araştırma”, İşletme Akademisi Dergisi, 1(4), 344-363.

Erken Dönem Ekonomi Eğitimi ve Finansal Sosyalizasyonun Finansal Okuryazarlık Düzeyine Etkisi

Yıl 2021, Cilt: 23 Sayı: 2, 694 - 710, 30.06.2021
https://doi.org/10.32709/akusosbil.860749

Öz

Bu çalışmada amaç, erken dönem ekonomi ve finans eğitimi ile finansal sosyalizasyon ajanlarının bireyin finansal okuryazarlık düzeyi ve finansal davranışları üzerindeki etkisini araştırmaktır. Bu amaç çerçevesinde Trabzon, Ordu, Samsun ve Erzincan bölgesinde 14-18 yaş aralığında olup Uluslararası Bakalorya (IB) eğitimi alan ve almayan özel okul öğrencileri ile Ticaret Meslek Lisesi öğrencilerinden oluşan 1274 kişilik üç farklı gruba anket uygulanmıştır. Verilerin analizinde yapısal eşitlik modeli kullanılmıştır. Analiz sonuçlarına göre Uluslararası Bakalorya Eğitimi alan öğrencilerle çocukluk dönemi finansal sosyalizasyon faktörlerinden aile geçmişi, alınan ekonomi eğitimi ve kalitesi, para ve iş üzerinden sağlanan finansal sosyalleşme ve aritmetik bilgi değişkenlerinin finansal okuryazarlık düzeyi üzerinde olumlu bir etkiye sahip olduğu tespit edilmiş ve bu öğrencilerin finansal okuryazarlık düzeylerinin finansal davranışları üzerinde pozitif bir etkisi olduğu görülmüştür. IB eğitimi almayan diğer okul öğrencilerinin finansal okuryazarlık düzeylerinin ise finansal davranışları üzerinde bir etkisinin olmadığı tespit edilmiştir.


Kaynakça

  • Akdoğan, A. (2014), "Türkiye’deki Uluslararası Bakalorya Pyp programı uygulayan okulların etkili okul özellikleri ve okul kültürü açısından incelenmesi", (Yayınlanmamış doktora tezi). İstanbul Üniversitesi, Eğitim Bilimleri Enstitüsü.
  • Bowen, C. F. (2002), "Financial knowledge of teens and their parents", Financial Counseling and Planning, 13(2), 93-102.
  • Bruhn, M., Leão, L. d. S., Legovini, A., Marchetti, R. and Zia, B. (2016), "The impact of high school financial education: Evidence from a large-scale evaluation in Brazil", American Economic Journal: Applied Economics, 8(4), 256-295.
  • Bucciol, A. and Veronesi, M. (2014), "Teaching children to save and lifetime savings: What is the best strategy", Journal of Economics Psychology, 45, 1-17.
  • Cesarini, D., Johannesson, M., Lichtenstein, P., Sandewall, Ö. and Wallace, B. (2010), "Genetic variation in financial decision making", The journal of finance, 65(5), 1725-1754.
  • Chinadle, N. (2008), "Lucey, TA, & Cooter, KS (eds), Financial Literacy for Children and Youth", In: Springer.
  • Danes, S. M. (1994), "Parental perceptions of children’s financial socialization", Financial Counseling and Planning, 5(1), 27-149.
  • Danes, S. M. and Haberman, H. (2007), "Teen financial knowledge, self-efficacy, and behavior: A gendered view", Journal of Financial Counseling and Planning, 18 (2).
  • Danes, S. M., Huddleston-Casas, C. and Boyce, L. (1999), "Financial planning curriculum for teens: Impact evaluation", Journal of Financial Counseling and Planning, 10(1), 26.
  • Dohmen, T., Falk, A., Huffman, D. and Sunde, U. (2012), "The intergenerational transmission of risk and trust attitudes" The Review of Economic Studies, 79(2), 645-677.
  • Dohmen, T., Falk, A., Huffman, D. and Sunde, U. (2019), "Replication data for: Are Risk Aversion and Impatience Related to Cognitive Ability? "
  • Fernandes, D., Lynch Jr, J. G. and Netemeyer, R. G. (2014), "Financial literacy, financial education, and downstream financial behaviors", Management Science, 60(8), 1861-1883.
  • Glod, M. (2006), "Schools bank on teaching kids how to save" The Washington Post.
  • Gökmen, H. (2011), "Finansal okuryazarlık" , (43): Hiperlink eğit. ilet. yay. san. tic. ve ltd. sti.
  • Grohmann, A., Kouwenberg, R. and Menkhoff, L. (2015), "Childhood roots of financial literacy"., Journal of Economic Psychology, 51,114-133.
  • Gudmunson, C. G. and Danes, S. M. (2011), "Family financial socialization: Theory and critical review", Journal of Family and Economic Issues, 32(4), 644-667.
  • Hair, J. F., Anderson, R. E., Tatham, R. L. and William, C. (1998), "Black (1998), Multivariate data analysis", In: Upper Saddle River, NJ: Prentice Hall.
  • Hryshko, D., Luengo-Prado, M. J. and Sorensen, B. E. (2011), "Childhood determinants of risk aversion: The long shadow of compulsory education", Quantitative Economics, 2(1), 37-72.
  • Ibo. (2012), "Developing a transdisciplinary programme of inquiry", Cardif, Wales, UK.: International Baccalaureate Peterson House
  • Jelks, M. G. (2005), "Premature affluence: Factors related to excessive teen spending", University of Georgia,
  • John, D. R. (1999), "Consumer socialization of children: A retrospective look at twenty-five years of research", Journal of consumer research, 26(3),183-213.
  • Jorgensen, B. L. and Savla, J. (2010), "Financial literacy of young adults: The importance of parental socialization", Family relations, 59(4), 465-478.
  • Kalaycı, Ş. (2010), "SPSS uygulamalı çok değişkenli istatistik teknikleri",(5): Asil Yayın Dağıtım Ankara, Turkey.
  • Kim, C., Yang, Z. and Lee, H. (2015), "Parental style, parental practices, and socialization outcomes: An investigation of their linkages in the consumer socialization context", Journal of Economic Psychology, 49, 15-33.
  • Kornıotis, G. M. and Kumar, A. (2010), "Cognitive abilities and financial decisions", Behavioral Finance, 559-576.
  • Lucey, T. A. and Giannangelo, D. M. (2006), "Short changed: The importance of facilitating equitable financial education in urban society", Education and urban society, 38(3), 268-287.
  • Lusardi, A. and Mitchell, O. S. (2011), "Financial literacy and planning: Implications for retirement wellbeing". Retrieved from
  • Lusardi, A., Mitchell, O. S. and Curto, V. (2010), "Financial literacy among the young", Journal of Consumer Affairs, 44(2), 358-380.
  • Lusardi, A. and Tufano, P. (2009), "Debt Literacy. Financial Experience and Overindebtedness", Dartmouth College and Harvard Business School Working Paper.
  • Lyons, A. C., Scherpf, E. and Roberts, H. (2006), "Financial education and communication between parents and children", The Journal of Consumer Education, 23(2006), 64-76.
  • Moschis, G. P. (1985), "The role of family communication in consumer socialization of children and adolescents", Journal of consumer research, 11(4), 898-913.
  • Oecd. (2014), "PISA 2012 results: Students and money: Financial literacy skills for the 21st century".
  • Schug, M. and Walstad, W. (1991), "Teaching and learning economics", Handbook of research on social studies teaching and learning, 411-419.
  • Shim, S., Xiao, J. J., Barber, B. L. and Lyons, A. C. (2009), "Pathways to life success: A conceptual model of financial well-being for young adults", Journal of Applied Developmental Psychology, 30(6), 708-723.
  • Skagerlund, K., Lind, T., Strömbäck, C., Tinghög, G. and Västfjäll, D. (2018), "Financial literacy and the role of numeracy–How individuals’ attitude and affinity with numbers influence financial literacy", Journal of Behavioral and Experimental Economics, 74, 18-25.
  • Sosin, K., Dick, J. and Reiser, M. L. (1997), "Determinants of achievement of economics concepts by elementary school students", The Journal of Economic Education, 28(2), 100-121.
  • Suiter, M. and Meszaros, B. (2005), "Teaching about saving and investing in the elementary and middle school grades", Social Education, 69(2), 92-95.
  • Van Rooij, M., Lusardi, A. and Alessie, R. (2011), "Financial literacy and stock market participation", Journal of Financial economics, 101(2), 449-472.
  • Vanfossen, P. J. (2003), "Best practice economic education for young children? It's elementary! Kickball or four-square at recess? Pack lunch or buy it? Spend Aunt Edna's $10 birthday check or save it for a larger gift in the future? Do math homework or play soccer after school?(Raising It In Economics)",Social Education, 67(2), 90-95.
  • Walstad, W. B., Rebeck, K. and Macdonald, R. A. (2010), "The effects of financial education on the financial knowledge of high school students", Journal of Consumer Affairs, 44(2), 336-357.
  • Ward, S. (1974), "Consumer socialization", Journal of consumer research, 1(2), 1-14.
  • Webley, P., Burgoyne, C., Lea, S. and Young, B. (2002), "The economic psychology of everyday life": Psychology Press.
  • Xu, L. and Zia, B. (2012), "Financial literacy around the world: an overview of the evidence with practical suggestions for the way forward", The World Bank.
  • Yılmaz, H., and Kaymakçı, T. (2021), “Finansal Davranışlar Ve Finansal Okuryazarlık İlişkisi”, Akademik Hassasiyetler, 8(15), 141-164.
  • Yiğitbaş, Ş., Temeloğlu, E. and Şimşek, A. (2020). “Ortaöğretim Çağındaki Gençlerde Finansal Eğitimin Finansal Okuryazarlık Üzerindeki Etkisi”, IBAD Sosyal Bilimler Dergisi, 411-432.
  • Yücel, K. O. and Uysal, B. (2020). “Kırıkkale’deki lise öğrencilerinin finansal okuryazarlık düzeyinin belirlenmesine yönelik bir araştırma”, İşletme Akademisi Dergisi, 1(4), 344-363.
Toplam 46 adet kaynakça vardır.

Ayrıntılar

Birincil Dil Türkçe
Bölüm Hukuk
Yazarlar

Durmus Yıldırım 0000-0002-8004-3427

Adem Özbek 0000-0001-6599-6337

Yayımlanma Tarihi 30 Haziran 2021
Gönderilme Tarihi 14 Ocak 2021
Yayımlandığı Sayı Yıl 2021 Cilt: 23 Sayı: 2

Kaynak Göster

APA Yıldırım, D., & Özbek, A. (2021). Erken Dönem Ekonomi Eğitimi ve Finansal Sosyalizasyonun Finansal Okuryazarlık Düzeyine Etkisi. Afyon Kocatepe Üniversitesi Sosyal Bilimler Dergisi, 23(2), 694-710. https://doi.org/10.32709/akusosbil.860749