ÜNİVERSİTE ÖĞRENCİLERİNİN FİNANSAL OKURYAZARLIKLARININ BELİRLENMESİ: BANDIRMA ONYEDİ EYLÜL ÜNİVERSİTESİ ÖRNEĞİ
Öz
Finansal
okuryazarlık kavramı, toplumun finansal sisteme katılımının en üst düzeye
ulaştığı günümüzde büyük önem kazanmıştır. Bu önemine istinaden iş hayatına
atılmayı bekleyen ve geleceğin finansal sisteminde taraf olacak üniversite
öğrencilerinin bu anlamdaki yeterlilikleri merak konusudur. Bu çalışmada
Bandırma Onyedi Eylül Üniversitesi öğrencilerinin finansal okuryazarlık
düzeylerinin ölçülmesi ve bu düzeylerin nelere göre farklılık gösterdiğinin
incelenmesi amaçlanmıştır. Bu amaçla çalışmanın başında giriş ve literatür
taramasına daha sonraki bölümlerinde araştırmanın yöntemi, analiz ve bulguları
ve sonucuna yer verilmiştir. Çalışmada elde edilen sonuçlara göre Bandırma
Onyedi Eylül Üniversitesinde okuyan öğrencilerin finansal okuryazarlık
düzeyleri %58 olarak tespit edilmiştir. Cinsiyet, yaş, sınıf, bölüm gibi
demografik faktörlerin yanında finansal sisteme katılımla ilgili durumlara göre
öğrencilerin finansal okuryazarlık düzeylerinde farklılıklar olduğu
gözlemlenmiştir.
Anahtar Kelimeler
Finansal Okuryazarlık Finans Üniversite Öğrencileri Finansal Bilgi
Kaynakça
- Abetz, E. (2005). Super Choices: Think About Your Future. Australian Securities and Investments Commission.
- Alkaya, A., & YAĞLI, İ. (2015). Finansal Okuryazarlik-Finansal Bilgi, Davraniş Ve Tutum: Nevşehir Haci Bektaş Veli Üniversitesi İibf Öğrencileri Üzerine Bir Uygulama. Journal of International Social Research, 8(40).
- 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.
- Atkinson, A., & Messy, F. A. (2012). Measuring financial literacy.
- Blue, L., Grootenboer, P., & Brimble, M. (2014). Financial literacy education in the curriculum: Making the grade or missing the mark?. International Review of Economics Education, 16, 51-62.
- Cameron, M. P., Calderwood, R., Cox, A., Lim, S., & Yamaoka, M. (2014). Factors associated with financial literacy among high school students in New Zealand. International Review of Economics Education, 16, 12-21.
- Cude, B., Lawrence, F., Lyons, A., Metzger, K., LeJeune, E., Marks, L., & Machtmes, K. (2006). College students and financial literacy: What they know and what we need to learn. Proceedings of the Eastern Family Economics and Resource Management Association, 102(9), 106-109.
- Cull, M., & Whitton, D. (2011). University students' financial literacy levels: obstacles and aids. The Economic and Labour Relations Review, 22(1), 99-114.
- Er, F., Temizel F., Özdemir, A., Sönmez, H. (2014). Lisans eğitim programlarının finansal okuryazarlık düzeyine etkisinin araştırılması: Türkiye örneği. Anadolu Üniversitesi Sosyal Bilimler Dergisi, 14(4).
- Ergün, B., Şahin, A., & Ergin, E. (2014). Finansal Okuryazarlik: İşletme Bölümü Öğrencileri Üzerine Bir Çalişma. Journal of International Social Research, 7(34).
- Gutnu, M. M., & Cihangir, M. (2015). Finansal Okuryazarlik: Osmaniye Korkut Ata Üniversitesi Personeli Üzerinde Bir Araştirma, The Journal of Academic Social Science, 3 (10) s. 415-424
- Huston, S. J. (2010). Measuring financial literacy. Journal of Consumer Affairs, 44(2), 296-316.
- KILIÇ, Y., Ata, H. A., & Seyrek, İ. H. (2015). Finansal Okuryazarlık: Üniversite Öğrencilerine Yönelik Bir Araştırma. Journal of Accounting & Finance.
- Lusardi, A. (2008). Financial literacy: an essential tool for informed consumer choice? (No. w14084). National Bureau of Economic Research.
- Marcolin, S., & Abraham, A. (2006). Financial literacy research: Current literature and future opportunities.
- Mihalčová, B., Csikósová, A., & Antošová, M. (2014). Financial literacy–the urgent need today. Procedia-Social and Behavioral Sciences, 109, 317-321.
- OECD (2017), PISA 2015 Results (Volume IV): Students’ Financial Literacy, PISA, OECD Publishing, Paris.
- Opletalová, A. (2015). Financial education and financial literacy in the Czech education system. Procedia-Social and Behavioral Sciences, 171, 1176-1184.
- Potrich, A. C. G., Vieira, K. M., Coronel, D. A., & Bender Filho, R. (2015). Financial literacy in Southern Brazil: Modeling and invariance between genders. Journal of Behavioral and Experimental Finance, 6, 1-12.
- Roberts, J. A., & Jones, E. (2001). Money attitudes, credit card use, and compulsive buying among American college students. Journal of Consumer Affairs, 35(2), 213-240.
- Taylor S. and Wagland S. (2013), The Solution to the Financial Literacy Problem: What is the Answer?, AABFJ | Vol. 7, No. 3, s.69-89.
- Titko, J., Ciemleja, G., & Lace, N. (2015). Financial Literacy of Latvian Citizens: Preliminary Survey Results. Procedia-Social and Behavioral Sciences, 213, 12-17.
Öz
The concept of
financial literacy has gained a great importance nowadays when society has
reached the highest level of participation in financial system. In this regard,
it is a matter of curiosity about the qualifications of university students who
are expected to take their business life and who will be a party to the future
financial system. In this study, it is aimed to measure the financial literacy
levels of students from Bandırma Onyedi Eylül University and to examine how
these levels differ according to some factors. For this purpose, at the
beginning of the study, the introduction and literature review are in place and
after that the research method, analysis and findings and lastly conclusion
displayed. According to the results obtained in the study, the financial
literacy level of the students from Bandirma Onyedi Eylül University is
determined as 58%. It has been observed that there are differences in the financial literacy levels of the students according to the their
participation in financial system in addition to their demographic factors such
as gender, age, class, department.
Anahtar Kelimeler
Financial Literacy Finance University Students Financial Knowledge
Kaynakça
- Abetz, E. (2005). Super Choices: Think About Your Future. Australian Securities and Investments Commission.
- Alkaya, A., & YAĞLI, İ. (2015). Finansal Okuryazarlik-Finansal Bilgi, Davraniş Ve Tutum: Nevşehir Haci Bektaş Veli Üniversitesi İibf Öğrencileri Üzerine Bir Uygulama. Journal of International Social Research, 8(40).
- 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.
- Atkinson, A., & Messy, F. A. (2012). Measuring financial literacy.
- Blue, L., Grootenboer, P., & Brimble, M. (2014). Financial literacy education in the curriculum: Making the grade or missing the mark?. International Review of Economics Education, 16, 51-62.
- Cameron, M. P., Calderwood, R., Cox, A., Lim, S., & Yamaoka, M. (2014). Factors associated with financial literacy among high school students in New Zealand. International Review of Economics Education, 16, 12-21.
- Cude, B., Lawrence, F., Lyons, A., Metzger, K., LeJeune, E., Marks, L., & Machtmes, K. (2006). College students and financial literacy: What they know and what we need to learn. Proceedings of the Eastern Family Economics and Resource Management Association, 102(9), 106-109.
- Cull, M., & Whitton, D. (2011). University students' financial literacy levels: obstacles and aids. The Economic and Labour Relations Review, 22(1), 99-114.
- Er, F., Temizel F., Özdemir, A., Sönmez, H. (2014). Lisans eğitim programlarının finansal okuryazarlık düzeyine etkisinin araştırılması: Türkiye örneği. Anadolu Üniversitesi Sosyal Bilimler Dergisi, 14(4).
- Ergün, B., Şahin, A., & Ergin, E. (2014). Finansal Okuryazarlik: İşletme Bölümü Öğrencileri Üzerine Bir Çalişma. Journal of International Social Research, 7(34).
- Gutnu, M. M., & Cihangir, M. (2015). Finansal Okuryazarlik: Osmaniye Korkut Ata Üniversitesi Personeli Üzerinde Bir Araştirma, The Journal of Academic Social Science, 3 (10) s. 415-424
- Huston, S. J. (2010). Measuring financial literacy. Journal of Consumer Affairs, 44(2), 296-316.
- KILIÇ, Y., Ata, H. A., & Seyrek, İ. H. (2015). Finansal Okuryazarlık: Üniversite Öğrencilerine Yönelik Bir Araştırma. Journal of Accounting & Finance.
- Lusardi, A. (2008). Financial literacy: an essential tool for informed consumer choice? (No. w14084). National Bureau of Economic Research.
- Marcolin, S., & Abraham, A. (2006). Financial literacy research: Current literature and future opportunities.
- Mihalčová, B., Csikósová, A., & Antošová, M. (2014). Financial literacy–the urgent need today. Procedia-Social and Behavioral Sciences, 109, 317-321.
- OECD (2017), PISA 2015 Results (Volume IV): Students’ Financial Literacy, PISA, OECD Publishing, Paris.
- Opletalová, A. (2015). Financial education and financial literacy in the Czech education system. Procedia-Social and Behavioral Sciences, 171, 1176-1184.
- Potrich, A. C. G., Vieira, K. M., Coronel, D. A., & Bender Filho, R. (2015). Financial literacy in Southern Brazil: Modeling and invariance between genders. Journal of Behavioral and Experimental Finance, 6, 1-12.
- Roberts, J. A., & Jones, E. (2001). Money attitudes, credit card use, and compulsive buying among American college students. Journal of Consumer Affairs, 35(2), 213-240.
- Taylor S. and Wagland S. (2013), The Solution to the Financial Literacy Problem: What is the Answer?, AABFJ | Vol. 7, No. 3, s.69-89.
- Titko, J., Ciemleja, G., & Lace, N. (2015). Financial Literacy of Latvian Citizens: Preliminary Survey Results. Procedia-Social and Behavioral Sciences, 213, 12-17.
Ayrıntılar
| Bölüm | Makaleler |
|---|---|
| Yazarlar | |
| Yayımlanma Tarihi | 24 Aralık 2017 |
| Yayımlandığı Sayı | Yıl 2017 |