ÜNİVERSİTE ÖĞRENCİLERİNİN GENEL FİNANSAL SAĞLIK DURUMLARININ TESPİTİNE YÖNELİK ALAN ARAŞTIRMASI: GÜMÜŞHANE ÜNİVERSİTESİ ÖRNEĞİ

Finansal sağlık durumu, bireyin 4-5 yaş aralığı ile başlayan 20’li yaşlara kadar devam eden finansal sosyalizasyon sürecini, 20’li yaşlardan sonra üniversite hayatındaki finansal eğitim sürecini, bireyin kendi finansal tutumlarını ve farkındalıklarını kapsayan çok boyutlu ve bu boyutların birbirine bağlı olduğu karmaşık bir ifadedir. Beslenme alışkanlıkları ve yaşam biçimi gibi davranışlar nasıl bireyin sağlığına direkt etki yapıyorsa, bu faktörler de bireyin ekonomik yaşantısına olumlu ya da olumsuz etki yapmaktadır. Bireyin çalışma hayatına başlamadan önceki son basamağıdır üniversite eğitimi. Dolayısıyla bu eğitim süresince öğrencilerin maddi ihtiyaçlarını nasıl karşıladıkları, borçlanma durumları, gelir gider yönetimini yaparken aileden aldığı finansal deneyimleri ve genel finansal tutumlarının belirlenmesi gelecek adına hem birey için hem de ekonomik kapasite için önem arz etmektedir. Özellikle de ekonomik ve sosyal imkânların kısmen yeterli olduğu bölgelerde öğrencilerin yaşadıkları finansal zorlukların belirlenmesi de gelecek nesil adına ayrı bir önem taşımaktadır. Çalışmada, Gümüşhane Üniversitesinde eğitim almakta olan 421 öğrenciye anket uygulaması yapılarak öğrencilerin finansal sağlık durumlarının tespit edilmesi amaçlanmıştır. Yapılan değerlendirmelerde öğrencilerin borçlanma durumlarına bağlı olarak bir takım hem finansal hem de akademik stres ve endişe yaşadıkları gözlemlenmiştir.

Anahtar Kelimeler:

Finansal Sağlık, Finansal Farkındalık, Borçlanma

THE FIELD RESEARCH OF UNIVERSITY STUDENTS FOR DETECTION OF THE GENERAL FINANCIAL HEALTH CONDITIONS: GUMUSHANE UNIVERSITY EXAMPLE

Financial health condition, refers to the process of financial socialization that continues until the age of 20, starting with the age range of 4-5, thus from the 20s to the financial education process of university life, individuals covering their financial attitudes and awareness of complex multi-dimensional and interdependent these dimensions It is a statement. If the feeding behaviours and lifestyle have a direct effect on the health of the individual, these factors also affect the economic situation of the individual positively or negatively. Graduate education is the last step prior to beginning the individual's business life. Therefore, determining the financial needs of the students during their education, borrowing status, the financial experiences obtained from the family while making the income and income management and determining the general financial attitudes are important for both the individual and the economic capacity in the future. Especially in regions where economic and social opportunities are partially sufficient, establishing the financial difficulties experienced by the students is of special importance for the next generation. In this study, it had been aimed the determination of the student’s financial state of conducting a survey to 421 students who have received education in the academic year of 2019 at University of Gumushane. Five variables were included in the study to determine borrowing decisions, financial socialization, financial information and education, financial stress and anxiety structures, and financial self-efficacy levels. In the evaluations made, it was observed that students experienced both financial and academic stress and anxiety, depending on their borrowing status.

Keywords:

Financial Health, Financial Awareness,

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İNTERNET KAYNAKLARIhttp://www.hurriyet.com.tr/egitim/ogrenim-kredisi-alan-ogrenci-sayisi-artti-40840730(Erişim Tarihi:15.03.2019)
https://www.tarimkredi.net/vakifbank-ogrenci-kredisi-egitim-destegi/ (Erişim Tarihi:20.03.2019)