The mediating role of financial stress in the effect of credit card usage and attitude towards money on financial satisfaction: The BUBYO example

Öz

The aim of this study is to reveal the effects of credit card usage levels and attitudes towards money on the financial satisfaction of university students who graduated from a department at the undergraduate level, and to observe whether the possible effects of independent variables on the dependent variable change with the mediator effect of financial stress. The main population of the research consists of 2014 students who graduated from Balıkesir University Burhaniye School of Applied Sciences between 2012-2022. The research started in May 2023 and the data collection process lasted approximately seven months. Within the scope of data collection, the survey form created on the Internet was delivered to graduate students via social media channels and e-mail, and the research survey was completed by 489 volunteer graduate students. Within the scope of the research, the effects of the Mediator variable were measured using the Bootstrap method, and the analyzes were made using the Process Macro mode added to SPSS 27. The most striking outcome within the scope of the findings of the research is that all dimensions of the attitude towards money scale, except for one dimension (the power of money), affect financial satisfaction significantly and positively, but this effect decreases under the influence of financial stress. Another important outcome of the research is that the effect of the behavioral attitude dimension of the credit utilization scale on financial satisfaction decreases under the influence of financial stress, while the effect of the emotional attitude dimension increases.

Anahtar Kelimeler

• Financial Stress
• Financial Satisfaction
• Credit Card Usage
• Attitude Towards Money

Kredi kartı kullanımı ve paraya karşı tutumun finansal memnuniyet üzerindeki etkisinde finansal stresin aracılık rolü: BUBYO örneği

Öz

Bu çalışmanın amacı, lisans düzeyinde bir bölümden mezun olan üniversite öğrencilerinin, kredi kartı kullanım düzeyleri ve paraya karşı tutumlarının finansal memnuniyetleri üzerindeki etkilerini ortaya koymak ve finansal stresin mediatör (aracı) etkisiyle, bağımsız değişkelerin bağımlı değişken üzerindeki olası etkilerinin değişip değişmediğini gözlemlemektir. Araştırmanın ana kütlesini, Balıkesir Üniversitesi Burhaniye Uygulamalı Bilimler Yüksekokulundan 2012-2022 yılları arasında mezun olan 2014 öğrenci oluşturmaktadır. Araştırmaya 2023 Mayıs ayında başlanmış ve veri toplama süreci yaklaşık yedi ay sürmüştür. Veri toplama kapsamında internet ortamında oluşturulan anket formu sosyal medya kanalları ve e-posta aracılığı ile mezun öğrencilere ulaştırılmıştır ve 489 gönüllü mezun öğrenci tarafından araştırma anketi doldurulmuştur. Araştırma kapsamında Mediatör değişkenin etkileri Bootstrap yöntemi kullanılarak ölçülmüştür ve analizler de SPSS 27 eklenen Proses Makro modu kullanılarak yapılmıştır. Araştırmanın bulguları kapsamında en çarpıcı çıktı, paraya karşı tutum ölçeğinin bir boyutu (paranın gücü) hariç tüm boyutları finansal memnuniyeti anlamlı ve pozitif yönlü etkilemekte olduğu fakat finansal stres aracı etkisi altında bu etkinin azaldığı bulgusudur. Araştırmanın diğer önemli çıktısı da kredi kullanım ölçeğinin davranışsal tutum boyutunun finansal memnuniyet üzerindeki etkisinin finansal stres aracı etkisi altında düştüğü, duygusal tutum boyutunun etkisinin ise arttığı şeklindedir.

Anahtar Kelimeler

• Finansal Stres
• Finansal Memnuniyet
• Kredi Kartı Kullanımı
• paraya karşı tutum

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