Finansal Okuryazarlık: Üniversite Öğrencilerinin Bilgi, Tutum ve Davranışları Arasındaki İlişki Üzerine Ampirik Bir Çalışma
Çalışmanın amacı üniversite öğrencilerinin finansal tutum ve davranışlarının; fi- nansal bilgi düzeyleri ve sosyodemografik özellikleri ile ilişkili olup olmadığının araştırılmasıdır. Bu kapsamda Konyada üç farklı üniversitede öğrenim görmekte olan öğrencilere anket uygulanmıştır. Verilerin analizinde T testi veya Tek Yönlü Varyans Analizi teknikleri kullanılmış, değişkenler arasında bulunan ilişkinin han- gi değişkenler arasında ve ne yönde olduğunu belirlemek için post-hoc test ola- rak Tukey testi uygulanmıştır. Elde edilen bulgular, uygulanan Finansal Okurya- zarlık Tutum ve Davranış Ölçeği ve alt boyutları ile katılımcıların finansal bilgi dü- zeyleri ve sosyodemografik değişkenleri arasında anlamlı ilişkiler bulunduğunu göstermiştir. Buna göre öğrencilerin finansal tutum ve davranışları sosyodemog- rafik değişkenlere ve finansal bilgi düzeyine bağlı olarak farklılaşmaktadır.
Financial Literacy: An Emprical Study on the Connection between Knowledge, Attitudes and Behavior of the University Students
The research examines the relationship between personal financial knowledge and selected socio-demographic variables of university students in terms of best practice financial behavior and attitude. For this purpose, a survey was imple- mented to the students of three universities in Konya. One Way ANOVA and t test techniques were used to test the hypothesis. In order to determine which groups in the sample have significant differences, Tukeys HSD test was performed as a post-hoc test. Findings suggest that there are statistically significant differences among financial knowledge, sociodemographics and financial behavior and atti- tudes of the students
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