DETERMINATION of FINANCIAL LITERACY LEVEL: A STUDY on HITIT UNIVERSITY FACULTY of ECONOMICS and ADMINISTRATIVE SCIENCES STUDENTS
DETERMINATION of FINANCIAL LITERACY LEVEL: A STUDY on HITIT UNIVERSITY FACULTY of ECONOMICS and ADMINISTRATIVE SCIENCES STUDENTS
复制标题
金融素养水平的确定：哈ITIT大学经济与管理科学系学生的研究
DOI：
10.26458/jedep.v10i4.714
复制
发表时间：
2021
期刊：
影响因子：
--
通讯作者：
Aykut Isleyen
中科院分区：
文献类型：
--
作者：
Selcuk Kendi̇rli̇;Muhammet Selcuk Kaya;Aykut Isleyen
金融素养是指使个人能够以不会在当前和未来造成财务问题的方式管理其收入、支出和资产的金融知识、态度和行为的水平。随着个人金融素养水平的提高，不必要的资源消耗和浪费将会减少，投资效率将会提高。提高金融知识水平将确保金融市场资产价格更加平衡，防止市场价格泡沫的形成。如今，世界各地的金融市场几乎一体化，通过便携式电子设备可以快速进行金融交易。在这种环境下，具有金融知识的个人和社会与没有金融知识的个人和社会之间的福利差异比历史上任何其他时期都更大。本研究旨在衡量乔鲁姆省赫蒂特大学经济与管理科学学院学生的金融素养水平。该研究的数据来自对 5 个不同院系 400 名学生参与的问卷调查。通过使用问题正确答案的百分比，根据部门创建成功分数。借助T检验和方差分析，确定了学生的金融素养与是否使用院系、性别、班级和信用卡之间的关系。研究结果表明，学生学习的院系和班级与其金融素养之间存在显着关系，而信用卡和网上银行的使用与性别和金融素养之间没有发现显着关系。
Financial literacy is the level of financial knowledge, attitude and behavior that enables individuals to manage their income, expenses and assets in a way that does not cause financial problems both today and in the future. As individuals' financial literacy levels increase, unnecessary consumption and waste of resources will decrease and the efficiency of investments will increase. Increasing the level of financial literacy will ensure a more balanced formation of asset prices in financial markets and prevent the formation of price bubbles in the markets. Today, financial markets around the world are almost integrated, financial transactions have become possible quickly through portable electronic devices. In this environment, the difference in welfare between individuals and societies with financial literacy and individuals and societies without financial literacy has increased more than in any other period in history. This study, it is aimed to measure the financial literacy level of the students of Hitit University Faculty of Economics and Administrative Sciences located in the province of Çorum. The data of the study were obtained from a questionnaire with the participation of 400 students studying in 5 different departments. By using the percentages of the correct answers given to the questions, success scores were created based on departments. With the help of the T-test and ANOVA tests, the relationship between students' financial literacy and whether they use department, gender, class, and credit card was determined. As a result of the study, it was determined that there are significant relationships between the departments and classes in which students study and their financial literacy, and no significant relationships were found between their credit card and internet banking usage and gender and financial literacy.