BibTex RIS Kaynak Göster

Financial Socialization of College Students: A Comparison of University Students in Ankara and Florida

Yıl 2011, Cilt: 16 Sayı: 16, - , 01.12.2011

Zeynep Çopur , Michael Gutter

Öz

This study explores financial social learning opportunities among university students, comparing survey data from Turkey(Ankara; N= 3983) with data from a similar study conducted in the United States (Florida; N= 3320). Mean comparison analysis of pooled data confirmed persistent, country and gender differences. Students inFlorida, especially male, reported more frequently financial social learning opportunities compared to Turkish students. Turkish student who were female reported more social learning opportunities than Turkish male, on the other hand, male students inFlorida reported more social learning opportunities than female students inFlorida.

Anahtar Kelimeler

-

Kaynakça

  • Anderson, D.R., A.C. Huston, K.L. Schmitt, D.L. Linebarger, & J.C. Wright (2001), “Early childhood television viewing and adolescent behavior: the recontact study”, Monographs of the Society for Research in Child Development, Vol. 66.
  • Bandura, A. (1977), “Self-efficacy: Toward a unifying theory of behavioral change”, Psychological Review, 84 (2), 191-215.
  • Brim, O.G. (1966), “Socialization through the life cycle”, In O. Brim & S. Wheeler (Eds.), Socialization after childhood. New York: John Wiley & Sons, Inc.
  • Bowen, C.F. (2002), “Financial knowledge of teens and their parents”, Financial Counseling and Planning, 13 (2), 93-102.
  • Brown, B.B., & B.H. Huang (1995), “Examining parenting practices in different peer contexts: Implications for adolescent trajectories”, In L. J. Crockett & A.C. Crouter (Eds.), Pathways through adolescence: Individual developmental in relation to social contexts (pp. 151–174), Mahwah, NJ: Erlbaum.
  • Bush, A.J., R. Smith, & C. Martin (1999), “The influence of consumer socialization variables on attitude toward advertising: A comparison of African-Americans and Caucasians”, Journal of Advertising Research, 28 (3), 13-24.
  • Carlson, L. & S. Grossbart (1988), “Parental style and consumer socialization of children”, Journal of Consumer Research, 15 (1), 77-94.
  • College, High School Students Need Better Financial Education (2003), August 6. EFT Report, 26, 1.
  • Choi, M.C. & C. La Ferle (2004), “Convergence across American and Korean young adults: socialization variables indicate the verdict is still out”, International Journal of Advertising, 23, 479-506.
  • Churchill, G.A., & G.P. Moschis (1979), “Television and interpersonal influences on adolescent consumer learning”, Journal of Consumer Research, 6 (1), 23-35.
  • Danes, S.M. (1994), “Parental perceptions of children’s financial socialization”, Financial Counseling and Planning, 5, 127-149.
  • Drentea, P. & P.J. Lavrakas (2000), “Over the limit: the association among health, race and debt”, Social Science and Medicine, 50 (4), 517–529.
  • Erikson, E.H. (1980), “Identity and the Life Cycle”, Norton, New York, NY.
  • Grossbart, S., L. Carlson, A. Walsh (1991), “Consumer socialization and frequency of shopping with children”, Journal of the Academy of Marketing Science, 19 (3), 155-63.
  • Gutter, M.S. & S. Garrison (2008), “Perceived norms, financial education, and college student credit card behavior”, Journal of Consumer Education, 24, 73-88.
  • Gutter, M.S., S. Garrison, Z. Copur (2010), “Social Learning Opportunities and the Financial Behaviors of College Students”, Family and Consumer Sciences Research Journal, 38 (4), 387-404.
  • Hacettepe University (2010), “Genel tanıtım (General information),”, Retrieved from <http://www.hacettepe.edu.tr/gorsel/yer.php?awk=2&dum=1>, 23.06.2011.
  • Harris, J.R. (1995), “What is the child’s environment? A group socialization theory of development”, Psychological Review, 102 (3), 458-489.
  • Hayhoe, C.R. (2002), “Comparison of affective credit attitude scores and credit use of college students at two points in time”, Journal of Family and Consumer Sciences, 94 (1), 71-77.
  • Hayhoe, C.R., L.J. Leach, P.R. Turner, M.J. Bruin, F.C. Lawrence (2000), “Differences in spending habits and credit use of college students”, Journal of Consumer Affairs, 34 (1), 113-133.
  • Hira, T.K. (1997), “Financial attitudes, beliefs and behaviors: differences by age”, Journal of Consumer Studies and Home Economics, 21, 271-290.
  • 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. Keller, K.L. & R. Staelin (1987), “Effects of quality and quantity of information on decision effectiveness”, Journal of Consumer Research, 14 (2), 200–213.
  • Lachance, M.J., F. Legault, N. Bujold (2000), “Family structure, parent-child communication, and adolescent participation in family consumer tasks and decisions”, Family and Consumer Sciences Research Journal, 29, 125-152.
  • La Ferle, C., S.M. Edwards, W.N. Lee (2000), “Teens’ use of traditional media and the internet”, Journal of Advertising Research, 40, 55-65.
  • Lee, J. & J. Hogarth (1999), “The price of money: consumers' understanding of APRs and contract interest rates'”, Journal of Public Policy and Marketing, 18 (1), 66-76.
  • Lyons, A.C. (2003), “Credit practices and financial education needs of Midwest college students”, Champaign, IL: Department of Agricultural and Consumer Economics, University of Illinois at Urbana-Champaign.
  • Lyons, A.C., E. Scherpf, H. Roberts (2006), “Financial education and communication between parents and children”, Journal of Consumer Education, 23, 64-76.
  • Maccoby, E.E. (1992), “The role of parents in the socialization of children: An historical overview”, Developmental Psychology, 28, 1006-1017.
  • Mascarenhas, O.A.J. & M.A. Higby (1993), “Peer, parent, and media influences in teen apparel shopping”, Journal of the Academy of Marketing Science, 21 (1), 53-58.
  • McLeod, J.M., & G.J. O’Keefe (1972), “The socialization perspective and communication behavior”, In Current Perspectives in Mass Communication Research, (eds. F. G. Kline and P. J. Tichenor) Beverly Hills, CA: Sage.
  • McNeal, J.V. (1987), “Children as consumers: insights and implications”, Lexington, MA: Lexington Books.
  • Moore, J.N., M.A. Raymond, J.D. Mittelstaedt, J.F. Tanner (2002), “Age and consumer socialization agent influences on adolescents’ sexual knowledge, attitudes and behavior: Implications for social marketing initiatives and public policy”, Journal of Public Policy and Marketing, 21 (1), 37-52.
  • Moschis, G.P. (1981), “Socialization perspectives and consumer behavior”, In B.M. Enis & K.J. Roering (Eds.), Review of Marketing 1981 (pp. 43-56), Chicago: American Marketing Association.
  • Moschis, G. P. (1985), “The role of family communication in consumer socialization of children and adolescents”, Journal of Consumer Research, 11 (4), 898-913.
  • Moschis, G.P. (1987), “Consumer socialization: A life cycle perspective”, Lexington, MA: Lexington Books.
  • Moschis, G.P. & G.A. Churchill (1978, November), “Consumer socialization: A theoretical and empirical analysis”, Journal of Marketing Research, 15, 599-609.
  • Moschis, G.P. & R.L. Moore (1982), “A longitudinal study of television advertising effects”, Journal of Consumer Research, 9, 279-86.
  • Moschis, G.P. & R. Moore (1984), “Anticipatory consumer socialization”, Academy of Marketing Science, 12 (4), 109-123.
  • Palmer, T.S., M.B. Pinto, D.H. Parente (2001), “College students’ credit card debt and the role of parental involvement: Implications for public policy”, Journal of Public Policy and Marketing, 20, 105-113.
  • Pinto, M.B., D.H. Parente, P.M. Mansfield (2005), “Information learned from socialization agents: Its relationship to credit card use”, Family and Consumer Sciences Research Journal, 33 (4), 357-367.
  • Shim, S. (1996), “Adolescent consumer decision-making styles: the consumer socialization Perspective”, Psychology & Marketing, 13, 547-69.
  • Shoda, Y., W. Mischel, P.K. Peake (1990), “Predicting adolescent cognitive and self-regulatory competencies from preschool delay of gratification: Identifying diagnostic conditions”, Developmental Psychology, 26 (6), 978-986.
  • Stern, L. (2002, August 25), “Give students a crash course in personal finance before college”, Los Angeles Times, p. C3.
  • University of Florida (2010), “About UF”, Retrieved from <http://www.ufl.edu/aboutUF/>, 12.06.2011.
  • Ward, S. (1974), “Consumer socialization”, Journal of Consumer Research, 1, 1-14.
  • Ward, S., D.B. Wackman, E. Wartella (1977), “How Children Learn to Buy: The Development of Consumer Information Processing Skills”, Sage Publications, Beverly Hills, CA.
  • Ward, S., D.M. Klees, D.B. Wackman (1991), “Consumer socialization research: Content analysis of post-1980 studies and some implications for future work, in advances in consumer research”, R.H. Holman and M.R. Solomon, eds. Provo, UT: Association for Consumer Research, 798-803.
  • Webley, P. & E.K. Nyhus (2006), “Parents’ influence of children’s future orientation and saving”, Journal of Economic Psychology, 27, 140-164.
  • Valence, G., A. d’Astous, L. Fourtier (1988), “Compulsive buying: Concept and measurement”, Journal of Consumer Policy, 11, 419-433.
  • Yavuz, S. (2006), “Completing the fertility transition: third birth in developments by language groups in Turkey”, Demographic Research, 15, 435-460.

Financial Socialization of College Students: A Comparison of University Students in Ankara and Florida

Yıl 2011, Cilt: 16 Sayı: 16, - , 01.12.2011

Zeynep Çopur , Michael Gutter

Öz

This study explores financial social learning opportunities among university students, comparing survey data from Turkey(Ankara; N= 3983) with data from a similar study conducted in the United States (Florida; N= 3320). Mean comparison analysis of pooled data confirmed persistent, country and gender differences. Students inFlorida, especially male, reported more frequently financial social learning opportunities compared to Turkish students. Turkish student who were female reported more social learning opportunities than Turkish male, on the other hand, male students inFlorida reported more social learning opportunities than female students inFlorida.

Anahtar Kelimeler

-

Kaynakça

  • Anderson, D.R., A.C. Huston, K.L. Schmitt, D.L. Linebarger, & J.C. Wright (2001), “Early childhood television viewing and adolescent behavior: the recontact study”, Monographs of the Society for Research in Child Development, Vol. 66.
  • Bandura, A. (1977), “Self-efficacy: Toward a unifying theory of behavioral change”, Psychological Review, 84 (2), 191-215.
  • Brim, O.G. (1966), “Socialization through the life cycle”, In O. Brim & S. Wheeler (Eds.), Socialization after childhood. New York: John Wiley & Sons, Inc.
  • Bowen, C.F. (2002), “Financial knowledge of teens and their parents”, Financial Counseling and Planning, 13 (2), 93-102.
  • Brown, B.B., & B.H. Huang (1995), “Examining parenting practices in different peer contexts: Implications for adolescent trajectories”, In L. J. Crockett & A.C. Crouter (Eds.), Pathways through adolescence: Individual developmental in relation to social contexts (pp. 151–174), Mahwah, NJ: Erlbaum.
  • Bush, A.J., R. Smith, & C. Martin (1999), “The influence of consumer socialization variables on attitude toward advertising: A comparison of African-Americans and Caucasians”, Journal of Advertising Research, 28 (3), 13-24.
  • Carlson, L. & S. Grossbart (1988), “Parental style and consumer socialization of children”, Journal of Consumer Research, 15 (1), 77-94.
  • College, High School Students Need Better Financial Education (2003), August 6. EFT Report, 26, 1.
  • Choi, M.C. & C. La Ferle (2004), “Convergence across American and Korean young adults: socialization variables indicate the verdict is still out”, International Journal of Advertising, 23, 479-506.
  • Churchill, G.A., & G.P. Moschis (1979), “Television and interpersonal influences on adolescent consumer learning”, Journal of Consumer Research, 6 (1), 23-35.
  • Danes, S.M. (1994), “Parental perceptions of children’s financial socialization”, Financial Counseling and Planning, 5, 127-149.
  • Drentea, P. & P.J. Lavrakas (2000), “Over the limit: the association among health, race and debt”, Social Science and Medicine, 50 (4), 517–529.
  • Erikson, E.H. (1980), “Identity and the Life Cycle”, Norton, New York, NY.
  • Grossbart, S., L. Carlson, A. Walsh (1991), “Consumer socialization and frequency of shopping with children”, Journal of the Academy of Marketing Science, 19 (3), 155-63.
  • Gutter, M.S. & S. Garrison (2008), “Perceived norms, financial education, and college student credit card behavior”, Journal of Consumer Education, 24, 73-88.
  • Gutter, M.S., S. Garrison, Z. Copur (2010), “Social Learning Opportunities and the Financial Behaviors of College Students”, Family and Consumer Sciences Research Journal, 38 (4), 387-404.
  • Hacettepe University (2010), “Genel tanıtım (General information),”, Retrieved from <http://www.hacettepe.edu.tr/gorsel/yer.php?awk=2&dum=1>, 23.06.2011.
  • Harris, J.R. (1995), “What is the child’s environment? A group socialization theory of development”, Psychological Review, 102 (3), 458-489.
  • Hayhoe, C.R. (2002), “Comparison of affective credit attitude scores and credit use of college students at two points in time”, Journal of Family and Consumer Sciences, 94 (1), 71-77.
  • Hayhoe, C.R., L.J. Leach, P.R. Turner, M.J. Bruin, F.C. Lawrence (2000), “Differences in spending habits and credit use of college students”, Journal of Consumer Affairs, 34 (1), 113-133.
  • Hira, T.K. (1997), “Financial attitudes, beliefs and behaviors: differences by age”, Journal of Consumer Studies and Home Economics, 21, 271-290.
  • 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. Keller, K.L. & R. Staelin (1987), “Effects of quality and quantity of information on decision effectiveness”, Journal of Consumer Research, 14 (2), 200–213.
  • Lachance, M.J., F. Legault, N. Bujold (2000), “Family structure, parent-child communication, and adolescent participation in family consumer tasks and decisions”, Family and Consumer Sciences Research Journal, 29, 125-152.
  • La Ferle, C., S.M. Edwards, W.N. Lee (2000), “Teens’ use of traditional media and the internet”, Journal of Advertising Research, 40, 55-65.
  • Lee, J. & J. Hogarth (1999), “The price of money: consumers' understanding of APRs and contract interest rates'”, Journal of Public Policy and Marketing, 18 (1), 66-76.
  • Lyons, A.C. (2003), “Credit practices and financial education needs of Midwest college students”, Champaign, IL: Department of Agricultural and Consumer Economics, University of Illinois at Urbana-Champaign.
  • Lyons, A.C., E. Scherpf, H. Roberts (2006), “Financial education and communication between parents and children”, Journal of Consumer Education, 23, 64-76.
  • Maccoby, E.E. (1992), “The role of parents in the socialization of children: An historical overview”, Developmental Psychology, 28, 1006-1017.
  • Mascarenhas, O.A.J. & M.A. Higby (1993), “Peer, parent, and media influences in teen apparel shopping”, Journal of the Academy of Marketing Science, 21 (1), 53-58.
  • McLeod, J.M., & G.J. O’Keefe (1972), “The socialization perspective and communication behavior”, In Current Perspectives in Mass Communication Research, (eds. F. G. Kline and P. J. Tichenor) Beverly Hills, CA: Sage.
  • McNeal, J.V. (1987), “Children as consumers: insights and implications”, Lexington, MA: Lexington Books.
  • Moore, J.N., M.A. Raymond, J.D. Mittelstaedt, J.F. Tanner (2002), “Age and consumer socialization agent influences on adolescents’ sexual knowledge, attitudes and behavior: Implications for social marketing initiatives and public policy”, Journal of Public Policy and Marketing, 21 (1), 37-52.
  • Moschis, G.P. (1981), “Socialization perspectives and consumer behavior”, In B.M. Enis & K.J. Roering (Eds.), Review of Marketing 1981 (pp. 43-56), Chicago: American Marketing Association.
  • Moschis, G. P. (1985), “The role of family communication in consumer socialization of children and adolescents”, Journal of Consumer Research, 11 (4), 898-913.
  • Moschis, G.P. (1987), “Consumer socialization: A life cycle perspective”, Lexington, MA: Lexington Books.
  • Moschis, G.P. & G.A. Churchill (1978, November), “Consumer socialization: A theoretical and empirical analysis”, Journal of Marketing Research, 15, 599-609.
  • Moschis, G.P. & R.L. Moore (1982), “A longitudinal study of television advertising effects”, Journal of Consumer Research, 9, 279-86.
  • Moschis, G.P. & R. Moore (1984), “Anticipatory consumer socialization”, Academy of Marketing Science, 12 (4), 109-123.
  • Palmer, T.S., M.B. Pinto, D.H. Parente (2001), “College students’ credit card debt and the role of parental involvement: Implications for public policy”, Journal of Public Policy and Marketing, 20, 105-113.
  • Pinto, M.B., D.H. Parente, P.M. Mansfield (2005), “Information learned from socialization agents: Its relationship to credit card use”, Family and Consumer Sciences Research Journal, 33 (4), 357-367.
  • Shim, S. (1996), “Adolescent consumer decision-making styles: the consumer socialization Perspective”, Psychology & Marketing, 13, 547-69.
  • Shoda, Y., W. Mischel, P.K. Peake (1990), “Predicting adolescent cognitive and self-regulatory competencies from preschool delay of gratification: Identifying diagnostic conditions”, Developmental Psychology, 26 (6), 978-986.
  • Stern, L. (2002, August 25), “Give students a crash course in personal finance before college”, Los Angeles Times, p. C3.
  • University of Florida (2010), “About UF”, Retrieved from <http://www.ufl.edu/aboutUF/>, 12.06.2011.
  • Ward, S. (1974), “Consumer socialization”, Journal of Consumer Research, 1, 1-14.
  • Ward, S., D.B. Wackman, E. Wartella (1977), “How Children Learn to Buy: The Development of Consumer Information Processing Skills”, Sage Publications, Beverly Hills, CA.
  • Ward, S., D.M. Klees, D.B. Wackman (1991), “Consumer socialization research: Content analysis of post-1980 studies and some implications for future work, in advances in consumer research”, R.H. Holman and M.R. Solomon, eds. Provo, UT: Association for Consumer Research, 798-803.
  • Webley, P. & E.K. Nyhus (2006), “Parents’ influence of children’s future orientation and saving”, Journal of Economic Psychology, 27, 140-164.
  • Valence, G., A. d’Astous, L. Fourtier (1988), “Compulsive buying: Concept and measurement”, Journal of Consumer Policy, 11, 419-433.
  • Yavuz, S. (2006), “Completing the fertility transition: third birth in developments by language groups in Turkey”, Demographic Research, 15, 435-460.
Toplam 50 adet kaynakça vardır.

Ayrıntılar

Birincil Dil İngilizce
Bölüm Makaleler
Yazarlar

Zeynep Çopur

Michael Gutter Bu kişi benim

Yayımlanma Tarihi 1 Aralık 2011
Gönderilme Tarihi 12 Aralık 2014
Yayımlandığı Sayı Yıl 2011 Cilt: 16 Sayı: 16

Kaynak Göster

APA Çopur, Z., & Gutter, M. (2011). Financial Socialization of College Students: A Comparison of University Students in Ankara and Florida. Sosyoekonomi, 16(16). https://doi.org/10.17233/se.35287
AMA Çopur Z, Gutter M. Financial Socialization of College Students: A Comparison of University Students in Ankara and Florida. Sosyoekonomi. Ekim 2011;16(16). doi:10.17233/se.35287
Chicago Çopur, Zeynep, ve Michael Gutter. “Financial Socialization of College Students: A Comparison of University Students in Ankara and Florida”. Sosyoekonomi 16, sy. 16 (Ekim 2011). https://doi.org/10.17233/se.35287.
EndNote Çopur Z, Gutter M (01 Ekim 2011) Financial Socialization of College Students: A Comparison of University Students in Ankara and Florida. Sosyoekonomi 16 16
IEEE Z. Çopur ve M. Gutter, “Financial Socialization of College Students: A Comparison of University Students in Ankara and Florida”, Sosyoekonomi, c. 16, sy. 16, 2011, doi: 10.17233/se.35287.
ISNAD Çopur, Zeynep - Gutter, Michael. “Financial Socialization of College Students: A Comparison of University Students in Ankara and Florida”. Sosyoekonomi 16/16 (Ekim 2011). https://doi.org/10.17233/se.35287.
JAMA Çopur Z, Gutter M. Financial Socialization of College Students: A Comparison of University Students in Ankara and Florida. Sosyoekonomi. 2011;16. doi:10.17233/se.35287.
MLA Çopur, Zeynep ve Michael Gutter. “Financial Socialization of College Students: A Comparison of University Students in Ankara and Florida”. Sosyoekonomi, c. 16, sy. 16, 2011, doi:10.17233/se.35287.
Vancouver Çopur Z, Gutter M. Financial Socialization of College Students: A Comparison of University Students in Ankara and Florida. Sosyoekonomi. 2011;16(16).
 Kapak Resmi İndir