Development of a financial literacy model for university students
Development of a financial literacy model for university students
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DOI：
10.1108/mrr-06-2014-0143
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发表时间：
2016-01-01
影响因子：
2.6
通讯作者：
Mendes-Da-Silva, Wesley
中科院分区：
文献类型：
--
作者：
Grigion Potrich, Ani Caroline;Vieira, Kelmara Mendes;Mendes-Da-Silva, Wesley
目的-本文的目的是建立和比较评估大学生金融素养的模型。金融素养被理解为对一系列知识、态度和行为的掌握，在人们努力实现财务健康的过程中，它在允许和使人们做出负责任的决定方面发挥了重要作用。为此，整合了金融知识、行为和态度的模型。随后对这些模型进行了估计，并进行了许多比较试验。设计/方法/方法-该研究随机调查了巴西南部公立和私立大学的534名大学生。比额表的选择是基于对巴西情况的最佳调整、适当的翻译和内容验证的考虑。为了对收集到的数据进行分析，采用了两种策略的结构方程建模。研究结果-研究结果表明，在模型估计阶段，行为和态度的尺度已经减少。在所有估计的模型中，调整后的最佳模型表明财务知识和财务态度对财务行为有正向影响。研究局限性/影响-研究结果不能推广到更广泛的人群；为了实现这种概括，应该使用更大的样本研究不同的概况。在实践中，巴西大学生的财务行为表达了建立长期目标和储蓄的能力，这些目标是针对未来的收购和意外支出。这种行为直接受到基本和高级财务知识问题的影响，也受到通过建立目标、控制支出和财务储备而赋予态度的重要性的影响。原创性/价值-本文描述了一项关于巴西金融素养建模的先驱研究。随着对金融知识进行严格评估的需求与创造更复杂的金融产品的速度同步增长，这一主题可以得到改进。
Purpose - The purpose of this paper is to build and compare models that assess university students' financial literacy. Financial literacy, understood as the mastery of a set of knowledge, attitudes and behaviors, has assumed a fundamental role in allowing and enabling people to make responsible decisions as they strive to attain financial wellbeing. To this end, models that integrate financial knowledge, behavior and attitude are integrated. The models are subsequently estimated, and many comparative tests are performed.Design/methodology/approach - The study investigated a random sample of 534 university students attending public and private universities in southern Brazil. The choice of scale was based on consideration of the best adjustment for the Brazilian context, appropriate translation and content validation. For an analysis of the collected data, structural equation modeling was employed using two strategies.Findings - The findings indicate that, in the model estimation stage, the scales for behavior and attitude have been reduced. Among all of the models estimated, the best adjusted model indicates that financial knowledge and financial attitude have positive impacts on financial behavior.Research limitations/implications - The results are not generalizable to the wider population; to enable such generalization, different profiles should be researched using a larger sample. In practical terms, the financial behavior of Brazilian university students expresses the ability to establish long-term aims and saving aimed at future acquisitions and unexpected spending. This behavior is directly influenced by basic and advanced questions of financial knowledge and also by the importance attributed to attitude by establishing aims, control of spending and financial reserves.Originality/value - This paper describes a pioneer study with respect to modeling financial literacy in Brazil. This topic can be improved as the need for rigorous evaluation of financial literacy grows at the same speed as the creation of more complex financial products.