The Effect of Family Financial Socialization Levels on Money Attitudes of University Students

Yıl 2021, Cilt: 12 Sayı: 30, 393 - 416, 20.05.2021

Bilgehan Kübilay , Özgür Tunçel

https://doi.org/10.21076/vizyoner.815919

Öz

The purpose of the study is to manifest university students' relationships with money not only in terms of their family financial socialization levels, but also in terms of their demographic and socio-economic characteristics. Moreover, in order to measure family financial socialization levels of university students, a new two-dimensional scale, which is composed of “financial experience and learning” and “money management skills”, is developed. The study is crucial in that it is most likely to create positive financial behaviours between parents and students by means of developing informal education in family. Besides, the research is highly likely to become beneficial for creating new financial education programs in educational institutions particularly on the issues of money attitudes and financial socialization. As far as the cause and effect relationships are concerned, it is detected that students’ worries about savings and financial literacy decreased inasmuch as their financial experiences and learning increased. In addition to this result, it is observed that students’ mindful and responsible attitude increased in that their money management skills increased. Finally, it is ascertained significant differences between family financial socialization and demographic and socio-economic characteristics and also between money attitudes and demographic and socio-economic characteristics. 

Anahtar Kelimeler

Family Financial Socialization, Money Management Skills, Financial Experience, Financial Literacy, Money Attitude

Üniversite Öğrencilerinin Aile Finansal Sosyalleşme Düzeylerinin Para Tutumlarına Etkisi

Öz

Araştırmanın amacı, üniversite öğrencilerinin parayla olan ilişkilerini; yalnızca ailelerindeki finansal sosyalleşme düzeyleri açısından değil, aynı zamanda demografik ve sosyo-ekonomik özellikleri açısından açıkça ortaya koymaktır. Bunun dışında, üniversite öğrencilerinin aile finansal sosyalleşme düzeylerini ölçmek için “finansal deneyim ve öğrenme” ile “para yönetimi becerilerinden” oluşan iki boyutlu yeni bir ölçek geliştirilmiştir. Bu araştırma, ailede yaygın eğitimin geliştirilmesi yoluyla ebeveynler ve öğrenciler arasında olumlu finansal davranışlar yaratma olasılığının yüksek olması sebebiyle önem arz etmektedir. Ayrıca, araştırma, eğitim kurumlarında, özellikle para tutumları ve finansal sosyalleşme konularında yeni finansal eğitim programları oluşturmak için büyük olasılıkla faydalı olacaktır. Neden-sonuç ilişkilerine gelince, öğrencilerin finansal deneyimleri ve öğrenmeleri arttıkça birikim ve finansal okuryazarlık konusundaki endişelerinin azaldığı tespit edilmiştir. Bu sonuca ilave olarak, öğrencilerin para yönetimi becerilerinin artmasıyla dikkatli ve sorumlu tutumlarının arttığı görülmüştür. Son olarak, aile finansal sosyalleşmesi ile demografik ve sosyo-ekonomik özellikler arasında ve ayrıca parasal tutumlar ile demografik ve sosyo-ekonomik özellikler arasında önemli farklılıklar tespit edilmiştir. 

Anahtar Kelimeler

: Aile Finansal Sosyalleşme, Para Yönetimi Becerileri, Finansal Deneyim, Finansal Okuryazarlık, Para Tutumu

Kaynakça

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