A survey of financial literacy among University sAtudents

Çalışmanın amacı, üniversite öğrencilerinin finansal okuryazarlık düzeyininbelirlenmesi, finansal okuryazarlık seviyeleri ile öğrencilerin demografik özellikleriarasındaki ilişkilerin ortaya konması ve üniversite öğrencilerinin finansal okuryazarlıkdüzeylerinin yükseltilmesi için stratejilerin geliştirilmesine yardımcı olacak bir bilgi kaynağısağlanmasıdır. Verilerin toplanmasında, iki bölümde toplam 29 maddeden oluşan bir ölçmearacı kullanılmıştır. Anketin ilk kısmında katılımcının; cinsiyeti, okulunun ait olduğuakademik disiplin, ikamet türü, okuldaki yılı, çalışma durumu, ebeveynlerinin eğitim durumuve öğrencinin okuduğu bölümün belirlenmesine yönelik sorular bulunmaktadır. İkinci kısımdaise öğrencilerin; finansal okuryazarlık ve tasarruf ve harcama, bankacılık, risk ve sigorta,yatırım ve genel finans-ekonomi bilgilerini ölçmeye yönelik çoktan seçmeli sorular yeralmaktadır. Anket üç üniversitede toplam 1,127 öğrenciye uygulanmıştır. Sonuçlar varyans veregresyon analizleri kullanılarak incelenmiştir. Üniversite öğrencilerinin finansalokuryazarlık düzeyleri ile demografik özellikleri arasında anlamlı ilişkiler gözlemlenmiştir.

Üniversite öğrencilerine yönelik bir finansal okuryazarlık anketi uygulaması

The purposes of the study are; to determine the level of financial literacy amonguniversity students, to find out the relationship between financial literacy and studentcharacteristics, and to provide an information resource that may assist with the developmentof strategies to improve financial literacy among university students. In this study, a surveyinstrument which includes 29 items that measure constructs such as saving and spending,banking, risk and insurance, investing, and general financial knowledge levels of theparticipants was administered to 1,127 students from three universities. The results wereanalyzed based on gender, field of study, type of residence, class rank, work status, parents education, and the school of student. The relationship between financial literacy anddemographic characteristics of the students were examined by employing analysis of varianceand logistic regression analyses. Significant relationships were found between financial literacy and student characteristics.

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