Üniversite Öğrencilerinin Finansal Okuryazarlığı: Balıkesir Üniversitesi Örneği

Bu çalışma, üniversite öğrencilerinin finansal bilgi düzeyi ile sosyo-ekonomik ve sosyo-demografik özellikleri arasındaki ilişkiyi belirlemeyi amaçlamıştır. Araştırmanın örneklemini 2050 öğrenci oluşturmuş olup, çalışma genel tarama (survey) modeli kullanılarak gerçekleştirilmiştir. Verilerin analizinde parametrik testler (t-testi ve ANOVA) ve parametrik olmayan testler (Mann, Whitney U ve Kruskal-Wallis H) kullanılmıştır. Çalışma sonuçları, öğrencilerin finansal okuryazarlık düzeyinin düşük olduğunu ortaya koymuştur. Cinsiyet, yaş, öğretim türü, eğitim alanı ve düzeyi, akademik başarı, çalışma hayatına ait deneyim, aile eğitim ve gelir düzeyi ve kredi kartı sahipliğinin finansal okuryazarlık seviyesi açısından temel belirleyiciler olduğu sonucuna ulaşılmıştır. Ayrıca, televizyonun finansal okuryazarlık üzerinde diğer finansal bilgi kaynaklarından daha etkin olduğu saptanmıştır. Bu kapsamda, finansal okuryazarlığa ilişkin derslerin ve uygulama çalışmalarının müfredata yerleştirilmesinin öğrencilerin finansal okuryazarlık düzeyini artırtabileceği dikkate alınmalıdır.

Anahtar Kelimeler:

Finansal Okuryazarlık, Finansal Bilgi, Finansal Davranış, Finansal Eğitim, Üniversite Öğrencisi

Financial Literacy among University Students: A Sample of Balikesir University

The study aims to determine the correlation between financial knowledge levels and socio-demographic and socio-economic variables of university students. Study sample consisted of a total of 2050 students and the study was carried out using a general survey model. In the analysis of data, parametric tests (t-test and ANOVA) and non-parametric tests (Mann Whitney U and Kruskal-Wallis H) were used. Study results indicated that financial literacy levels of Balikesir University students were low. It was concluded that gender, age, type of education, educational field and level, academic achievement, working experience, family education and income and credit card ownership were basic determinants of financial literacy level. In addition, it was determined that television was more effective on financial literacy, compared to other financial information sources. In this framework, it should be considered that including financial literacy courses and application studies in the curricula may increase the financial literacy levels of students.

Keywords:

Financial Literacy, Financial Knowledge, Financial Behavior, Financial Education, University Student,

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