Üniversite Öğrencilerinin Finansal Okuryazarlığı: Balıkesir Üniversitesi Örneği

Kutlu Ergün; Alpaslan Serel

doi:10.15869/itobiad.560067

TR EN

Üniversite Öğrencilerinin Finansal Okuryazarlığı: Balıkesir Üniversitesi Örneği

Öz

Bu çalışma, üniversite öğrencilerinin finansal bilgi düzeyi ile sosyo-ekonomik ve sosyo-demografik özellikleri arasındaki ilişkiyi belirlemeyi amaçlamıştır. Araştırmanın örneklemini 2050 öğrenci oluşturmuş olup, çalışma genel tarama (survey) modeli kullanılarak gerçekleştirilmiştir. Verilerin analizinde parametrik testler (t-testi ve ANOVA) ve parametrik olmayan testler (Mann, Whitney U ve Kruskal-Wallis H) kullanılmıştır. Çalışma sonuçları, öğrencilerin finansal okuryazarlık düzeyinin düşük olduğunu ortaya koymuştur. Cinsiyet, yaş, öğretim türü, eğitim alanı ve düzeyi, akademik başarı, çalışma hayatına ait deneyim, aile eğitim ve gelir düzeyi ve kredi kartı sahipliğinin finansal okuryazarlık seviyesi açısından temel belirleyiciler olduğu sonucuna ulaşılmıştır. Ayrıca, televizyonun finansal okuryazarlık üzerinde diğer finansal bilgi kaynaklarından daha etkin olduğu saptanmıştır. Bu kapsamda, finansal okuryazarlığa ilişkin derslerin ve uygulama çalışmalarının müfredata yerleştirilmesinin öğrencilerin finansal okuryazarlık düzeyini artırtabileceği dikkate alınmalıdır.

Anahtar Kelimeler

Finansal Okuryazarlık,Finansal Bilgi,Finansal Davranış,Finansal Eğitim,Üniversite Öğrencisi

Kaynakça

Altıntaş, K. M. (2011). The Dynamics of Financial Literacy within the Framework of Personal Finance: An analysis among Turkish University Students. African Journal of Business Management, 5 (26), 483-491. https://doi.org/10.2466/31.11.PR0.115c18z3.
Araz, T. (2012). Financial Literacy and Credit Card Arrears. Yayınlanmamış Yüksek Lisans Tezi. Boğaziçi Universitesi Sosyal Bilimler Enstitüsü, İstanbul.
Atkinson, A. ve Messy, F. (2012). Measuring Financial Literacy: Results of the OECD/International Network on Financial Education (INFE) Pilot Study. OECD Working Papers on Finance, Insurance and Private Pensions, No. 15, 1-73. OECD Publishing, Paris. https://doi.org/10.1787/5k9csfs90fr4-en.
Barros, P. B. ve Peyp, N. (2013). Financial Literacy, Financial Behaviour and Individuals’ Over-indebtedness. Technical University of Lisbon, Working paper, WP 11/2013/DE/UECE.
Başarır, Ç. ve Sarıhan, A. Y. (2017). Üniversite Öğrencilerinin Finansal Okuryazarlıklarının Belirlenmesi: Bandırma Onyedi Eylül Üniversitesi Örneği. Yönetim ve Ekonomi Araştırmaları Dergisi, 15(1), 143-162. http://dx.doi.org/10.11611/yead.330952.
Beal, D. J. ve Delpachitra, S. B. (2003). Financial Literacy among Australian University Students. Economic Papers, 22(1), 65-78. http:// doi.org /10.1111/j.1759-3441.2003.tb00337.x.
Behrman, J. R., Mitchell, O. S., Soo, C. ve Bravo, D. (2010). Financial Literacy, Schooling, and Wealth Accumulation. University of Pennsylvania Population Aging Research Center (PARC) Working Paper Series, WPS 10-06. http://doi.org 10.3386/w16452.
Bell, C. J., Gorın, D. R. ve Hogarth, J. M. (2009). Does Financial Education Affect Soldiers’ Financial Behavior? Networks Financial Institute Working Paper 2009-WP-08.
Bhushan, P. ve Medury, Y. (2013). Financial Literacy and its Determinants. International Journal of Engineering Business and Enterprise Applications (IJEBEA), 4(2), 155-160.
Bodie, Z. (2002, April). Life-Cycle Finance in Theory and in Practice. Boston University School of Management. Working Paper No. 2002-02.

Borden, L. M., Lee, S., Serido, J. ve Collins, D. (2007). Changing College Students’ Financial Knowledge, Attitudes, and Behavior through Seminar Participation. Journal of Family and Economic Issues, 29(1), 23–40. https://doi.org/10.1007/s10834-007-9087-2.
Braunstein, S. ve Welch, C. (2002). Financial Literacy: An Overview of Practice, Research, and Policy. FederalReserve Bulletin: 2002-2.
Capuano, A. ve Ramsay, I. (2011). What Causes Suboptimal Financial Behaviour? An Exploration of Financial Literacy, Social Influences and Behavioural Economics. University of Melbourne Legal Studies Research Paper No: 540.
Chen, H. ve Volpe, R.P. (1998). An Analysis of Personal Financial Literacy Among College Students. Financial Services Review, 7(2), 107-128. https://doi.org/10.1016/S1057-0810(99)80006-7.
Cole, S., Paulson, A. ve Shastry, G. K. (2012). Smart Money: The Affect of Education on Financial Behavior. Harward Business School Working Paper, 2012-April, No: 09-071, 3-48. https://doi.org/10.1093/rfs/hhu012.
Danes, S. M. ve Hira, T. K. (1987). Money Management Knowledge of College Students. Journal of Student Financial Aid, 17(1), 4-16.
Danışman, E., Sezer, D. ve Gümüş, U. T. (2016). Finansal Okuryazarlık Düzeyinin Belirlenmesi: Üniversite Öğrencileri Üzerine Bir Araştırma. Kara Harp Okulu Bilim Dergisi, 26(2), 1-37.
Das, S. (2016). Financial Literacy: Measurement and Determinants. EPRA International Journal of Economic Business Review, 4(6), 88-93.
Delavande, A., Rohwedder, S. ve Willis, R. J. (2008, September). Preparation for Retirement, Financial Literacy and Cognitive Resources. Michigan Retirement Research Center. Working Paper WP 2008-190, 1-47. https://doi.org/10.2139/ssrn.1337655.
Gale, W.G. ve Levine, R. (2011, October). Financial Literacy: What Works? How Could It Be More Effective? “SSRN Electronic Journal” (Şubat 2011). Erişim adresi: https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2316933. http://dx.doi.org/10.2139/ssrn.2316933.
Golemac, Z. ve Lončar, I. (2016). The Importance of Financial Literacy for Teens. Some Studies of Economics Changes. International Research Institute, 91-97. Erişim adresi: http://www.irisro.org/economics2016january/19Loncar-Golemac.pdf.
Hair, J.F., Celsi, M.W., Money, A.H., Samuel, P. ve Page, M.J. (2003). Essentials of Business Research Methods. Hoboken, N.J. ; [Great Britain]: Wiley, c2003.
Hair J. F., Black, J. W., Babin, B. J. ve Anderson, E. R. (2010). Multivariate Data Analysis (Seventh Ed, pp. 1–758). Edinburgh: Pearson Education Limited.
Hall, K. (2008, August). The Importance Of Financial Literacy. Paper presented at the Conference on Deepening Financial Capacity in the Pacific Region. Sydney, Australia.
Hanna, M. E., Hill, R. R. ve Perdue, G. (2010). School of Study and Financial Literacy. Journal of Economics and Economic Education Research, 11(3), 29-37.
Harnisch, T. L. (2010). Boosting Financial Literacy in America: A Role for State Colleges and Universities, Perspectıves. American Association of State Colleges and Universities (Fall 2010). Erişim adresi: http://www.aascu.org/policy/publications/ perspectives/financialliteracy.pdf.
Hastings, J. S., Madrian, B.C. ve Skimmyhorn, W. L. (2013). Financial Literacy, Financial Education And Economic Outcomes. Annual Review Economics, 1(5), 347-373. https://doi.org/10.3386/w18412.
Henager, R. ve Mauldin, T. (2015). Financial Literacy: The Relationship to Saving Behavior in Low- to Moderate-income Households. Family and Consumer Sciences Research Journal, 44(1), 73–87. https://doi.org/10.1111/fcsr.12120.
Hilgert, M. A., Hogarth, J. M. ve Beverly, S. G. (2003). Household Financial Management: The Connection between Knowledge and Behavior. Federal Reserve Bulletin, 89, 309–322.
Hogarth, J. H., Beverly, S. G. ve Hilgert, M. (2003, February). Patterns of Financial Behaviors: Implications for Community Educators and Policy Makers. Paper presented at Federal Reserve System Community Affairs Research Conference, Washington, USA.
Hsu, J. W. (2011). Ageing and Strategic Learning: The Impact of Spousal Incentives on Financial Literacy. Networks Financial Institute, Working Paper 2011-WP-06. http://dx.doi.org/10.2139/ssrn.1824581.
Hung, A. A., Parker, A. M. ve Yoong, J. K. (2009). Defining and Measuring Financial Literacy. RAND Labor and Population, Working Paper, WR-708. http://dx.doi.org/10.2139/ssrn.1498674.
Jappelli, T. Ve Padula, M. (2013). Investment in Financial Literacy and Saving Decisions. Journal of Banking & Finance, 37(8), 2779-2792. https://doi.org/10.1016/j.jbankfin.2013.03.019.
Jappelli, T. (2010). Economic Literacy: An International Comparison. The Economic Journal, 120(548), F429-F451. https://doi.org/10.1111/j.1468-0297.2010.02397.x
Javine, V. (2013). Financial Knowledge and Student Loan Usage in College Students. Erişim adresi: http://www.academyfinancial.org/resources/Documents/ Proceedings/2012/C1-Javine.pdf.
Jorgensen, B. L. (2007). Financial Literacy of College Students: Parental and Peer Influences. Unpublished master’s thesis, Virginia Polytechnic Institute and State University, Virginia, USA.
Karasar, N. (1998). Araştırmalarda Rapor Hazırlama. (9. Basım). Ankara: Nobel Yayın Dağıtım.
Kılıç, Y., Ata, H. A. ve Seyrek, İ. H. (2015). Finansal Okuryazarlık: Üniversite Öğrencilerine Yönelik Bir araştırma. Muhasebe ve Finansman Dergisi, 66, 129-150. https://doi.org/10.25095/mufad.396535.
Klapper, L.F., Lusardi, A. ve Panos, G.A. (2011). Financial Literacy and the Financial Crisis: Evidence from Russia. Virgo University of Virginia Working Paper No: 17930. https://doi.org/10.3386/w17930.
Lusardi, A. (2008, June). Financial Literacy: An Essential Tool for Informed Consumer Choice? National Bureau Of Economic Research. Nber Working Paper Series, Working Paper 14084, 1-30. https://doi.org/10.3386/w14084.
Lusardi, A. (2013). The Economic Importance of Financial Literacy for Students. Erişim adresi: http://annalusardi.blogspot.com.tr/2013/04/the-economic-importance-of-financial.html.
Lusardi, A. ve Mitchell O. S. (2008). Planning and Financial Literacy: How Do Women Fare? American Economic Review: Papers & Proceedings, 98(2), 413–417. https://doi.org/10.3386/w13750.
Lusardi, A. ve Mitchell, O.S. (2011). Financial Literacy around the World: An Overview. Journal of Pension Economics and Finance, 10(04), 497-508. https://doi.org/10.3386/w17107.
Lusardı, A. ve Mitchell, O.S. (2014). The Economic Importance of Financial Literacy: Theory and Evidence. Journal of Economic Literature, 52(1), 5-44. https://doi.org/10.3386/w18952.
Lusardi, A., Mitchell, O.S. ve Curto, V. (2010). Financial Literacy among the Young. Journal of Consumer Affairs: Special Issue: Financial Literacy, 44(2), 358-380. https://doi.org/10.1111/j.1745-6606.2010.01173.x.
Lusardi, A., Michaud, P.R. ve Mitchell O.S. (2011). Optimal Financial Literacy and Saving for Retirement. Wharton School Pension Research Council, Working Paper 2011-20.
Lyons, A.C. (2007). Credit Practices and Financial Education Needs of Midwest College Students. Networks Financial Institute, Working Paper No. 2007-WP-23. https://doi.org/10.2139/ssrn.1060801.
Mandell, L. (2008). The Fınancıal Lıteracy of Young Amerıcan Adults, Results of the 2008 National Jump$tart Coalition Survey of High School Seniors and College Students. The Jump$tart Coalition for Personal Financial Literacy. Erişim adresi: http://www.jumpstart.org/assets/files/2008SurveyBook.pdf.
Mandell, L. ve Klein, L.S. (2009). The Impact of Financial Literacy Education on Subsequent Financial Behavior. Journal of Financial Counseling and Planning, 20(1), 15-23.
Mihalčová, B.,Csikósová, A. ve Antošová, M. (2014). Financial Literacy- The Urgent Need Today. Procedia-Social and Behavioral Sciences, 109(8), 317-321. https://doi.org/10.1016/j.sbspro.2013.12.464.
Nijssen, J. M. (2010). Dynamic Portfolio Choice A Simulation Approach with an Application to Multiple Assets. Unpublished master’s thesis, Delf University of Technology, Netherlands.
OECD. (2006). The Importance of Fınancıal Educatıon: Policy Brief. Erişim adresi: http://www.oecd.org/finance/financial-education/37087833.pdf.
OECD. (2012). Programme for International Student Assessment (PISA) results from PISA 2012 Financial Literacy. Erişim adresi: https://www.oecd.org/unitedstates/PISA-2012-results-finlit-usa.pdf.
OECD/INFE. (2011). Measuring Financial Literacy: Core Questionnaire in Measuring Financial Literacy: Questionnaire and Guidance Notes for conducting an Internationally Comparable Survey of Financial literacy. Erişim adresi: http://www.oecd.org/finance/financial-education/49319977.pdf.
OECD/INFE. (2017). OECD/INFE International Survey of Adult Financial Literacy Competencies. Erişim adresi: https://www.oecd.org/daf/fin/financial-education/OECD-INFE-International-Survey-of-Adult-FInancial-Literacy-Competencies.pdf.
Oehler, A. ve Werner, C. (2008). Saving for Retirement-A Case for Financial Education in Germany and UK? An Economic Perspective. Journal of Consumer Policy, 31(3), 253-283. https://doi.org/10.1007/s10603-008-9074-5.
Remund, D.L. (2010). Financial Literacy Explicated: The Case for a Clearer Definition in an Increasingly Complex Economy. Journal of Consumer Affairs, Special Issue: Financial Literacy, 44(2), 276–295. https://doi.org/10.1111/j.1745-6606.2010.01169.x.
Robb, C. A. ve Sharpe, D. L. (2009). Effect of Personal Financial Knowledge on College Students’ Credit Card Behavior. Journal of Financial Counseling and Planning, 20(1), 25-43.
Sabri, M. F., Macdonald, M., Hira, T.K. ve 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. https://doi.org/10.1111/j.1552-3934.2010.00038.x.
Satoğlu, S. (2014). Bireysel Yatırımcıları Koruma Aracı Olarak Finansal Okuryazarlık ve Türkiye Uygulaması. Yayınlanmamış Doktora Tezi, Marmara Üniversitesi Bankacılık ve Sigortacılık Enstitüsü Bankacılık Anabilim Dalı, İstanbul.
Servon, L. J. ve Kaestner, R. (2008). Consumer Financial Literacy and the Impact of Online Banking on the financial Behavior of Lower-Income Bank Customers. Journal of Consumer Affairs, 42, 271–305. https://doi.org/10.1111/j.1745-6606.2008.00108.x.
Sevim, N, Temizel, F. ve Sayılır, Ö. (2012). The Effects of Financial Literacy on the Borrowing Behaviour Of Turkish Financial Consumers. International Journal of Consumer Studies, 36(5), 573-679. https://doi.org/10.1111/j.1470-6431.2012.01123.x.
Suwanaphan, S. (2013). Personal Financial Literacy of Academic Support-Employee in Chiang Mai University. Active Citizenship by Knowledge Management and Innovation: Proceedings of the Management, Knowledge and Learning International Conference 2013, T.Know Press.
Şamiloğlu, F., Kahraman, Y. E. ve Bağcı, H. (2016). Finansal Okuryazarlık Araştırması: Erciyes Üniversitesi Öğrencileri Üzerinde Bir Uygulama. Uluslararası Yönetim İktisat ve İşletme Dergisi, ICAFR 16 Özel Sayısı, 308-318. http://dx.doi.org/10.17130/ijmeb.2016icafr22445.
Taylor, M. (2011). Measuring Financial Capability and it Determinants Using Survey Data. Social Indicators Research, 102(2), 297-314. http://doi.org/10.1007/sl 1205-010-9681-9.
Volpe, R. P., Chen, H. ve Pavlicko, J. J. (1996). Personal Investment Literacy Among College Students: A Survey. Financial Practice and Education, 6(2), 86-94.
Volpe, R., Kotel, J. ve Chen, H. (2002). A Survey of Investment Literacy among Online İnvestors. Financial Counseling and Planning, 13(1), 1-13.
Wagner, J. F. (2015). An Analysis of The Effects of Financial Education on Financial Literacy and Financial Behaviors. Unpublished PhD thesis, University of Nebraska, USA.
Widdowson, D. ve Hailwood, K. (2007). Financial Literacy and its Role in Promoting a Sound Financial System. Bulletin Reserve Bank of New Zeeland, 70(2), 37-47.
Xiao, J. J., Shim, S., Barber, B. ve Lyons, A. (2007). Academic Success and Well-Being of College Students: Financial Behaviors Matter. The University of Arizona. Erişim adresi: http://www.cefe.illinois.edu/research/reports/Academic%20Success %20and%20Well-Being%20of%20College%20Students_112007.pdf.
Yoshino, N., Morgan, P.J. ve Wignaraja, G. (2015, June). Financial Education in Asia: Assessment and Recommendations. ADBI Working Paper Series, No: 534. http://dx.doi.org/10.2139/ssrn.2641681.

Ayrıntılar

Birincil Dil

Türkçe

Konular

Ekonomi

Bölüm

Araştırma Makalesi

Yazarlar

Kutlu Ergün ^*
0000-0001-6360-0095
Türkiye

Alpaslan Serel Bu kişi benim
0000-0002-8612-931X
Türkiye

Yayımlanma Tarihi

30 Haziran 2019

Gönderilme Tarihi

2 Mayıs 2019

Kabul Tarihi

27 Haziran 2019

Yayımlandığı Sayı

Yıl 2019 Cilt: 8 Sayı: 2

DOI

https://doi.org/10.15869/itobiad.560067

IZ

https://izlik.org/JA44TA36TL

APA

Ergün, K., & Serel, A. (2019). Üniversite Öğrencilerinin Finansal Okuryazarlığı: Balıkesir Üniversitesi Örneği. İnsan ve Toplum Bilimleri Araştırmaları Dergisi, 8(2), 1385-1410. https://doi.org/10.15869/itobiad.560067

İnsan ve Toplum Bilimleri Araştırmaları Dergisi Creative Commons Atıf-GayriTicari 4.0 Uluslararası Lisansı (CC BY NC) ile lisanslanmıştır.

35894

Üniversite Öğrencilerinin Finansal Okuryazarlığı: Balıkesir Üniversitesi Örneği

Üniversite Öğrencilerinin Finansal Okuryazarlığı: Balıkesir Üniversitesi Örneği

Öz

Anahtar Kelimeler

Financial Literacy among University Students: A Sample of Balikesir University

Abstract

Keywords

Kaynakça

Ayrıntılar

Birincil Dil

Konular

Bölüm

Yazarlar

Yayımlanma Tarihi

Gönderilme Tarihi

Kabul Tarihi

Yayımlandığı Sayı

DOI

IZ

Kaynak Göster

Cited By

Kadınların Finansal Okuryazarlığı Üzerine Bir Değerlendirme: Kocaeli Örneği

SOSYAL HİZMET UZMANLARININ FİNANSAL OKURYAZARLIK DÜZEYLERİNİ ETKİLEYEN FAKTÖRLERİN İNCELENMESİ

Financial Literacy Gender Gap: A Meta-Analysis

GENÇ YETİŞKİNLERDE FİNANSAL OKURYAZARLIK DÜZEYİNİN KREDİ KARTI KULLANIMINA ETKİSİNDE DUYGUSAL ZEKANIN ARACILIK ROLÜ