Finansal Okuryazarlık Seviyesi Tespiti: Lisans Eğitimi Süresince

Son yıllarda, hükümetlerin ve işverenlerin bireyler namına yatırımları yönetmedeki rolleri azalmaya başlamıştır.Değişen yapı sonucunda bireylerin kendi gelirlerini yönetme ve finansal geleceklerini garantiye alma konusundakisorumlulukları giderek artmaktadır. Artan sorumluluk ile beraber, bireyler daha dikkatli ve seçici olmakdurumunda kalmışlardır. Özellikle genç olan çoğu bireyin bütçeleme, yatırım, kredi ve harcama gibi kişisel finanskonuları hakkında yeterince bilgiye sahip olmaması yanlış finansal kararlar almalarına sebebiyet vermektedir.Bu çalışma, üniversite öğrencilerinin finansal okuryazarlık durumlarının üniversite hayatları boyunca nasıldeğişiklik gösterdiğini tespit edebilmek amacıyla yapılmıştır. Çalışma sonucunda öğrencilerin finansalokuryazarlık seviyelerinde, 1. sınıftan 4. sınıfa kadar bakıldığında düşük ve çok düşük düzeyden, orta ve yüksekdüzeye doğru bir artış olduğu tespit edilmiştir. Genel olarak öğrencilerin, 3. sınıf hariç (yüksek) tüm sınıfdüzeylerinde orta düzeyde finansal okuryazar oldukları belirlenmiştir. Öğrencilerin finansal okuryazarlık alt düzeybaşlıklarında yer alan sorulara vermiş oldukları doğru cevap ortalamalarının, sınıf ilerledikçe neredeyse her sınıftave her alt düzeyde arttığı belirlenmiştir.

Anahtar Kelimeler:

Lisans Eğitimi, Finansal Okuryazarlık, Piyasa Bilgisi

Determination of Financial Literacy Level: During Undergraduate Education

In recent years, the role of governments and employers in managing investments on behalf of individuals hasbegun to decline. As a result of the changing structure, the responsibilities of individuals to manage their ownincome and to secure their financial future are increasing.With increasing responsibility, individuals have had tobe more careful and selective. The fact that most individuals, especially young people, do not have enoughinformation about personal finance issues such as budgeting, investment, credit and spending, has caused them tomake wrong financial decisions.This study was carried out in order to determine how the financial literacy status of university students changesthroughout their university life. As a result of the study, it has been determined that there is an increase in thefinancial literacy levels of the students from the 1st to the 4th grade, from low and very low levels to medium andhigh levels. In general, it was determined that the students were moderately financially literate at all grade levelsexcept the 3rd grade (high). It has been determined that the average of correct answers given by the students to thequestions in the sub-level titles of financial literacy increases as the class progresses, in almost every grade andevery sub-level.

Keywords:

Undergraduate Education, Financial Literacy, Market Knowledge,

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