Araştırma Makalesi
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An Investigation On Determining The Financial Literacy Levels Of University Employees

Yıl 2020, Cumhuriyet Armağan Sayısı, 101 - 116, 28.10.2020
https://doi.org/10.18026/cbayarsos.628037

Öz

In this study, it is aimed to examine the level of financial literacy for university staff. Accordingly, the preparing survey was applied to 263 people in a public university. In the light of the data obtained, explanatory and confirmatory factor analysis was used to determine the reliability and validity of the scales and also the level of financial literacy. As a result of factor analysis, four different scales were obtained related to single factor structures. Related factors could explain 38% to 65% of the total variance. The reliability coefficients obtained for each scale, the scale showed that has been a valid and consistent data collection function. Goodness of fit criteria also indicated good fit in terms of results. The t test and variance anaysis showed that gender, marital status, financial follow-up and financial assets had statistically significant differences for the level of financial literacy.

Kaynakça

  • Ansong, A. & Gyensare, M. A. (2012). Determinants of university working-students’ financial literacy at the university of cape coast, ghana. International Journal of Business and Management, 7 (9), 126–133.
  • Atkinson, A. & Messy, F. (2012). Measuring financial literacy: results of the oecd / ınternational network on financial education (ınfe) pilot study. OECD Working Papers on Finance, Insurance and Private Pensions, No. 15.
  • Bayram, N. (2016). Yapısal eşitlik modellemesine giriş: amos uygulamaları. Ezgi Kitapevi, Bursa.
  • Bayram, N. (2017). Sosyal bilimlerde spss ile veri analizi. Ezgi Kitabevi, Bursa.
  • Chen, H. & Volpe R.P. (1998). An analysis of personal financial literacy among college students. Financial Services Revenue, 7 (2), 107–128.
  • Chinen K. & Endo H. (2012). Effect of attitude and background on personal finance ability: a student survey in the united state. International Journal of Management, (29).1: 33-45.
  • Criddle, E. (2006). Financial literacy: goals and values, not just numbers. Alliance , (34)/4.
  • Danes, S.M. & Haberman, H.R. (2007). Teen financial knowledge, self efficacy, and behavior: a gendered view. Financial Counseling Planning, 18 (2), 48–60.
  • Ergün, K. (2018). Üniversite öğrencilerinin finansal okuryazarlığı: balıkesir üniversitesi örneği. Yayınlanmamış Doktora Tezi, Balıkesir Üniversitesi Sosyal Bilimler Enstitüsü.
  • Hung, A., Parker, A. & Yoong, J. (2009). Defining and measuring financial literacy. RAND Working Paper 708.
  • Huston, S.J. (2010). Measuring financial literacy. Journal of Consumer Affairs, 44 (2), 296–316.
  • International Wellbeing Group (2013). Personal wellbeing index (Adult),Manual (5th edn.).
  • Johnson, A.C. (2001). Evaluating a financial assessment tool: the financial checkup (Dissertation). Utah University, United States.
  • Joo, S. (2008). Personal financial wellness. In J. J. Xiao (Ed.), Handbook of Consumer Research (pp. 21–33), New York: Springer.
  • Jorgensen, B. L. & Savla, J. (2010). Financial Literacy of young adults: the ımportance of parental socialization. Family Relations, 59, 465-478.
  • Knoll, M. A. Z. & Houts, C.R. (2012). The financial knowledge scale: an application of item response theory to the assessment of financial literacy. Journal of Consumer Affairs, 46 (3), 381–410.
  • Louw, J., Fouche, J. & Oberholzer, M. (2013). Financial literacy needs of south african third-year university students. International Business & Economics Research Journal, 12(4):439-450.
  • Lusardi, A. & Tufano, P. (2008). Debt literacy, financial experience, and overindebtedness. Harvard Business School, Working Paper.
  • Lusardi, A. & Mitchell, O.S. (2013). The economic ımportance of financial literacy: theory and evidence. Nber Working Paper 18952.
  • Mandell, L.(2007). financial literacy of high schools students. ın: handbook of consumer finance research. Springer, New York.
  • Potrich, A. C. G., Vieira K. M., Coronel, D. A. & Filho, R. B.(2015). Financial literacy ın southern brazil: modeling and ınvariance between genders. Journal of Behavioral And Experimental Finance, 6, 1-12.
  • Prawitz, A.D., Garman,E.T, Sorhaindo,B., O’Neill, B., Kim, J. & Drentea, P. (2006). In charge financial distress/financial well-being scale: development, administration, and score ınterpretation. Financial Counseling and Planning, 17 (1), 34-50.
  • Robb, C.A., Babiarz, P., & Woodyard, A. (2012). The demand for financial professionals’ advice: the role of financial knowledge, satisfaction, and confidence. Financial Services Revenue, 21 (4), 291–305.
  • Schumacher, R. E. & Lomax, R. G. (2010). A beginner's guide to structural equation modelling. (3rd ed. ed.). London, New York: Routledge.
  • Shockey, S.S. (2002). Low-wealth adult’s financial literacy: money management behavior and associates factors, ıncluding critical thinking. Unpublished Doctoral Dissertation. The Ohio State University (AAT 3039524).
  • Sohn, S.H., Joo, S.H., Grable, J.E., Lee, S., & Kim, M. (2012). Adolescents’ financial literacy: the role of financial socialization agents, financial experiences, and money attitudes ın shaping financial literacy among south korean youth. Journal of Adolescence, 35, 969–980.
  • Taft, M. K., Hosein, Z. Z. & Mehrizi, S. M.T. (2013). The relation between financial literacy, financial wellbeing and financial concerns. International Journal of Business and Management, 8(11), 63–75.
  • Taylor, S. & Wagland, S. (2013). The solution to the financial literacy problem: what ıs the answer?. Australasian Accounting Business & Finance Journal, 7(3), 69–89.
  • Temizel, F. & Bayram, F. (2011). Finansal okuryazarlık: anadolu üniversitesi iktisadi ve idari bilimler fakültesi öğrencilerine yönelik bir araştırma. C. Ü. İktisadi ve İdari Bilimler Dergisi, Cilt. 12, Sayı. 1, s. 73-86.
  • Winkielman, P., Halberstadt, J., Fazenderio, T. & Catty, S. (2006). Prototypes are attractive because they are easy on the mind. Psycholical Science, 17 (9), 799–806.
  • Xiao, J.J., Tang, C., Serido, J. & Shim, S. (2011). Antecedents and consequences of risky credit behavior among college students: application and extension of the theory of planned behavior. Journal of Public Policy Marketing, 30 (2), 239–258.
  • Yılmaz, V. & Varol, S. (2015). 4. Hazır yazılımlar ile yapısal eşitlik modellemesi amos, eqs, lisrel. Dumlupınar Üniversitesi Sosyal Bilimler Dergisi, 44(44).

Üniversite Çalışanlarının Finansal Okuryazarlık Düzeylerinin Belirlenmesine Yönelik Bir Araştırma

Yıl 2020, Cumhuriyet Armağan Sayısı, 101 - 116, 28.10.2020
https://doi.org/10.18026/cbayarsos.628037

Öz

Bu çalışmada,  üniversite personeline yönelik olarak finansal okuryazarlık seviyesinin incelenmesi amaçlanmıştır. Bu doğrultuda, hazırlanan anket bir kamu üniversitesinde 263 kişiye uygulanmıştır. Elde edilen veriler ışığında açıklayıcı ve doğrulayıcı faktör analizi uygulanarak ölçeklerin güvenirlik ve geçerlilikleri tespit edilerek finansal okuryazarlık düzeyi belirlenmiştir. Açıklayıcı ve doğrulayıcı faktör analizleri sonucunda dört farklı ölçeğe ilişkin tek faktörlük yapılar elde edilmiş olup, faktörler toplam varyansın %38 ile %65’lik kısmını açıklayabilmiştir. Her bir ölçeğe ilişkin elde edilen güvenirlik katsayıları, ölçeğin geçerli ve tutarlı veri toplama işlevine sahip olduğunu göstermiştir. Uyum iyiliği kriterleri de sonuçları açısından iyi bir uyuma işaret etmiştir. Gerçekleştirilen t testi ve varyans analizi; cinsiyet, medeni durum, finans takibi ve finansal varlıkların, finansal okuryazarlık düzeyi için istatistiksel olarak anlamlı farklılığa sahip olduğunu göstermiştir.

Kaynakça

  • Ansong, A. & Gyensare, M. A. (2012). Determinants of university working-students’ financial literacy at the university of cape coast, ghana. International Journal of Business and Management, 7 (9), 126–133.
  • Atkinson, A. & Messy, F. (2012). Measuring financial literacy: results of the oecd / ınternational network on financial education (ınfe) pilot study. OECD Working Papers on Finance, Insurance and Private Pensions, No. 15.
  • Bayram, N. (2016). Yapısal eşitlik modellemesine giriş: amos uygulamaları. Ezgi Kitapevi, Bursa.
  • Bayram, N. (2017). Sosyal bilimlerde spss ile veri analizi. Ezgi Kitabevi, Bursa.
  • Chen, H. & Volpe R.P. (1998). An analysis of personal financial literacy among college students. Financial Services Revenue, 7 (2), 107–128.
  • Chinen K. & Endo H. (2012). Effect of attitude and background on personal finance ability: a student survey in the united state. International Journal of Management, (29).1: 33-45.
  • Criddle, E. (2006). Financial literacy: goals and values, not just numbers. Alliance , (34)/4.
  • Danes, S.M. & Haberman, H.R. (2007). Teen financial knowledge, self efficacy, and behavior: a gendered view. Financial Counseling Planning, 18 (2), 48–60.
  • Ergün, K. (2018). Üniversite öğrencilerinin finansal okuryazarlığı: balıkesir üniversitesi örneği. Yayınlanmamış Doktora Tezi, Balıkesir Üniversitesi Sosyal Bilimler Enstitüsü.
  • Hung, A., Parker, A. & Yoong, J. (2009). Defining and measuring financial literacy. RAND Working Paper 708.
  • Huston, S.J. (2010). Measuring financial literacy. Journal of Consumer Affairs, 44 (2), 296–316.
  • International Wellbeing Group (2013). Personal wellbeing index (Adult),Manual (5th edn.).
  • Johnson, A.C. (2001). Evaluating a financial assessment tool: the financial checkup (Dissertation). Utah University, United States.
  • Joo, S. (2008). Personal financial wellness. In J. J. Xiao (Ed.), Handbook of Consumer Research (pp. 21–33), New York: Springer.
  • Jorgensen, B. L. & Savla, J. (2010). Financial Literacy of young adults: the ımportance of parental socialization. Family Relations, 59, 465-478.
  • Knoll, M. A. Z. & Houts, C.R. (2012). The financial knowledge scale: an application of item response theory to the assessment of financial literacy. Journal of Consumer Affairs, 46 (3), 381–410.
  • Louw, J., Fouche, J. & Oberholzer, M. (2013). Financial literacy needs of south african third-year university students. International Business & Economics Research Journal, 12(4):439-450.
  • Lusardi, A. & Tufano, P. (2008). Debt literacy, financial experience, and overindebtedness. Harvard Business School, Working Paper.
  • Lusardi, A. & Mitchell, O.S. (2013). The economic ımportance of financial literacy: theory and evidence. Nber Working Paper 18952.
  • Mandell, L.(2007). financial literacy of high schools students. ın: handbook of consumer finance research. Springer, New York.
  • Potrich, A. C. G., Vieira K. M., Coronel, D. A. & Filho, R. B.(2015). Financial literacy ın southern brazil: modeling and ınvariance between genders. Journal of Behavioral And Experimental Finance, 6, 1-12.
  • Prawitz, A.D., Garman,E.T, Sorhaindo,B., O’Neill, B., Kim, J. & Drentea, P. (2006). In charge financial distress/financial well-being scale: development, administration, and score ınterpretation. Financial Counseling and Planning, 17 (1), 34-50.
  • Robb, C.A., Babiarz, P., & Woodyard, A. (2012). The demand for financial professionals’ advice: the role of financial knowledge, satisfaction, and confidence. Financial Services Revenue, 21 (4), 291–305.
  • Schumacher, R. E. & Lomax, R. G. (2010). A beginner's guide to structural equation modelling. (3rd ed. ed.). London, New York: Routledge.
  • Shockey, S.S. (2002). Low-wealth adult’s financial literacy: money management behavior and associates factors, ıncluding critical thinking. Unpublished Doctoral Dissertation. The Ohio State University (AAT 3039524).
  • Sohn, S.H., Joo, S.H., Grable, J.E., Lee, S., & Kim, M. (2012). Adolescents’ financial literacy: the role of financial socialization agents, financial experiences, and money attitudes ın shaping financial literacy among south korean youth. Journal of Adolescence, 35, 969–980.
  • Taft, M. K., Hosein, Z. Z. & Mehrizi, S. M.T. (2013). The relation between financial literacy, financial wellbeing and financial concerns. International Journal of Business and Management, 8(11), 63–75.
  • Taylor, S. & Wagland, S. (2013). The solution to the financial literacy problem: what ıs the answer?. Australasian Accounting Business & Finance Journal, 7(3), 69–89.
  • Temizel, F. & Bayram, F. (2011). Finansal okuryazarlık: anadolu üniversitesi iktisadi ve idari bilimler fakültesi öğrencilerine yönelik bir araştırma. C. Ü. İktisadi ve İdari Bilimler Dergisi, Cilt. 12, Sayı. 1, s. 73-86.
  • Winkielman, P., Halberstadt, J., Fazenderio, T. & Catty, S. (2006). Prototypes are attractive because they are easy on the mind. Psycholical Science, 17 (9), 799–806.
  • Xiao, J.J., Tang, C., Serido, J. & Shim, S. (2011). Antecedents and consequences of risky credit behavior among college students: application and extension of the theory of planned behavior. Journal of Public Policy Marketing, 30 (2), 239–258.
  • Yılmaz, V. & Varol, S. (2015). 4. Hazır yazılımlar ile yapısal eşitlik modellemesi amos, eqs, lisrel. Dumlupınar Üniversitesi Sosyal Bilimler Dergisi, 44(44).
Toplam 32 adet kaynakça vardır.

Ayrıntılar

Birincil Dil Türkçe
Bölüm Makaleler
Yazarlar

Hakan Öndes 0000-0002-0618-7705

Nuran Bayram Arlı 0000-0001-5492-184X

Yayımlanma Tarihi 28 Ekim 2020
Yayımlandığı Sayı Yıl 2020 Cumhuriyet Armağan Sayısı

Kaynak Göster

APA Öndes, H., & Bayram Arlı, N. (2020). Üniversite Çalışanlarının Finansal Okuryazarlık Düzeylerinin Belirlenmesine Yönelik Bir Araştırma. Manisa Celal Bayar Üniversitesi Sosyal Bilimler Dergisi, 18(Armağan Sayısı), 101-116. https://doi.org/10.18026/cbayarsos.628037