Erken Dönem Ekonomi Eğitimi ve Finansal Sosyalizasyonun Finansal Okuryazarlık Düzeyine Etkisi

Bu çalışmada amaç, erken dönem ekonomi ve finans eğitimi ile finansal sosyalizasyon ajanlarının bireyin finansal okuryazarlık düzeyi ve finansal davranışları üzerindeki etkisini araştırmaktır. Bu amaç çerçevesinde Trabzon, Ordu, Samsun ve Erzincan bölgesinde 14-18 yaş aralığında olup Uluslararası Bakalorya (IB) eğitimi alan ve almayan özel okul öğrencileri ile Ticaret Meslek Lisesi öğrencilerinden oluşan 1274 kişilik üç farklı gruba anket uygulanmıştır. Verilerin analizinde yapısal eşitlik modeli kullanılmıştır. Analiz sonuçlarına göre Uluslararası Bakalorya Eğitimi alan öğrencilerle çocukluk dönemi finansal sosyalizasyon faktörlerinden aile geçmişi, alınan ekonomi eğitimi ve kalitesi, para ve iş üzerinden sağlanan finansal sosyalleşme ve aritmetik bilgi değişkenlerinin finansal okuryazarlık düzeyi üzerinde olumlu bir etkiye sahip olduğu tespit edilmiş ve bu öğrencilerin finansal okuryazarlık düzeylerinin finansal davranışları üzerinde pozitif bir etkisi olduğu görülmüştür. IB eğitimi almayan diğer okul öğrencilerinin finansal okuryazarlık düzeylerinin ise finansal davranışları üzerinde bir etkisinin olmadığı tespit edilmiştir.

Effect of Early Economy Education and Financial Socialization on Financial Literacy Level

The aim of this study is to investigate the effects of early economic and financial education and financial socialization agents on the individual's financial literacy level and financial behavior. For this purpose, a questionnaire was applied to three different groups of 1274 students from Trabzon, Ordu, Samsun and Erzincan, between the ages of 14-18 and those who were or did not receive International Baccalaureate (IB) education, and Commercial Vocational High School students. Structural equation model was used in the analysis of the data. According to the results of the analysis, it was determined that the variables such of family history, economic education and quality financial socialization and arithmetic information provided through money and work, and the financial literacy levels of these students, has a positive effect on their financial behavior. It was determined that the financial literacy levels of other school students who did not have any education on IB have no effect on their financial behavior.

Keywords:

Financial socialization, financial literacy, financial behavior early economic education, international baccalaureate education,

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