FİNANSAL OKURYAZARLIK DÜZEYİ VE DAVRANIŞLARI: GÜMÜŞHANE ÜNİVERSİTESİ ÖNLİSANS ÖĞRENCİLERİ ÜZERİNDE BİR ARAŞTIRMA

Yıl 2015, Cilt: 4 Sayı: 7, 63 - 72, 06.07.2015

Alper Veli Çam Abdulkadir Barut

Öz

Finansal okuryazarlık, bireylerin paranın kullanımı ve yönetimi konusunda temel bilgi ve beceri sağlayan yeterlilik düzeyini ifade etmektedir. Finansal açıdan yeterlilik önemli bir kavramdır. Zira bireyin vereceği kararları doğrudan yada dolaylı etkileyebilmektedir. Bu çalışmanın temel amacı, üniversite öğrencilerin finansal okuryazarlık düzeyini ve davranışlarını tespit etmektir. Veri toplama aracı olarak anket yöntemi kullanılmıştır. Belirlenen amaç doğrultusunda Gümüşhane Üniversitesi önlisans programlarında kayıtlı öğrencilere anket uygulanmıştır. Çalışmada çoklu regresyon analizi kullanılmış ve üç adet model oluşturulmuştur. Özellikle parayı harcama ve yönetme başarısını etkileyen unsurların belirlenmeye çalışılan çalışma sonucunda, öğrencilerin finansal okuryazar olmadıkları ve temel finansal kavramlar hakkında çok az bilgiye sahip oldukları belirlenmiştir. 

Anahtar Kelimeler

Finansal Okuryazarlık, Bireysel Finansman, Davranışsal Finans, Çoklu Regresyon Yöntemi

FINANCIAL LITERACY LEVELS AND BEHAVIOR: A RESEARCH ON GUMUSHANE UNIVERSITY ASSOCIATE STUDENTS

Öz

Financial literacy refers to the level of proficiency of individuals that provides basic knowledge and skills in the use and management of money. Proficiency is an important concept in terms of finance. Because it can affect either directly or indirectly the financial decisions of individuals. The main purpose of this study was to determine the level of financial literacy and behavior of university students. Survey method was used as data collection tool. Survey was applied to students who registered in Gumushane University associate degree programs, in accordance with the designated purpose. Multiple regression analysis used in this study and three model has been developed. In this study, especially was tried to determine the factors affecting the success of spending and managing of money. The result of this study, we observe that student have little information about basic financial concepts and furthermore students' financial literacy levels are low

Anahtar Kelimeler

Financial Literacy, Personal Finance, Behavioral Finance, Multiple Regression Methods

Kaynakça

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