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Dergiler / Muhasebe ve Finans İncelemeleri Dergisi / 2025 / Cilt: 8 Sayı: 2

FİNANSAL EĞİTİMDEN FİNANSAL OKURYAZARLIĞA: FİNANSAL ÖZ GÜVENİN ARACI ROLÜ

FROM FINANCIAL EDUCATION TO FINANCIAL LITERACY: MEDIATING ROLE OF FINANCIAL SELF-CONFIDENCE

Huriye Bozok(AFYON KOCATEPE ÜNİVERSİTESİ)0000-0002-5598-5949
Letife Özdemir(AFYON KOCATEPE ÜNİVERSİTESİ)0000-0002-8636-2277
Ender Baykut(AFYON KOCATEPE ÜNİVERSİTESİ)0000-0002-3908-4008
Veysel Kula(AFYON KOCATEPE ÜNİVERSİTESİ)0000-0002-1385-4596
Sayfa
348–360
Yayın Tarihi
2025-10-01
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⚡ TL;DR(1 Cümlede Hızlı Çıkarım)

Bulgular, finans derslerinde başarının finansal okuryazarlık üzerinde olumlu bir etkiye sahip olduğunu ortaya koymaktadır.

📌 3 Maddede Bu Makale

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Amaç & Hipotez:Temel finans eğitimine maruz kalma genellikle finansal okuryazarlığın temel bir unsuru olarak kabul edilir.
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Temel Bulgular & Veri:Bu çalışma, üniversite düzeyindeki finans derslerinin öğrencilerin finansal okuryazarlığı üzerindeki etkisini, özellikle finansal özgüvenin aracılık rolüne vurgu yaparak araştırmaktadır.
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Sonuç & Katkı:Bulgular, finans derslerinde başarının finansal okuryazarlık üzerinde olumlu bir etkiye sahip olduğunu ortaya koymaktadır.
🔬Tür:Uygulamalı Anket & Alan Araştırması
📍Kapsam:Genişletilmiş Akademik Örneklem
⚙️Değişkenler:Finansal Okuryazarlık · Finans Eğitimi · Hayes Süreci

Özet

Temel finans eğitimine maruz kalma genellikle finansal okuryazarlığın temel bir unsuru olarak kabul edilir. Bu çalışma, üniversite düzeyindeki finans derslerinin öğrencilerin finansal okuryazarlığı üzerindeki etkisini, özellikle finansal özgüvenin aracılık rolüne vurgu yaparak araştırmaktadır. Araştırma, Afyon Kocatepe Üniversitesi İktisadi ve İdari Bilimler Fakültesi öğrencilerine uygulanan bir anket yoluyla toplanan verileri kullanmaktadır. Anket, 838 öğrenciden oluşan bir örneklemi kapsamaktadır. Toplanan veriler Hayes' PROCESS Model 4 kullanılarak analiz edilmiştir. Bulgular, finans derslerinde başarının finansal okuryazarlık üzerinde olumlu bir etkiye sahip olduğunu ortaya koymaktadır. Dahası, bir finans dersinin başarısının etkisinin bir kısmı finansal özgüvenden geçmektedir. Bu bulgu, finans derslerinin yalnızca teorik eğitimle verilmemesi gerektiğini, aynı zamanda öğrencilerin özgüvenini artıran uygulamaya dayalı yaklaşımları da içermesi gerektiğini göstermektedir.

Abstract

Exposure to basic financial education is commonly regarded as a fundamental element of financial literacy. This study investigates the impact of university-level finance courses on students’ financial literacy with a special emphasis on the mediating role of financial self-confidence. The research utilises data collected through a survey administered to students from the Faculty of Economics and Administrative Sciences at Afyon Kocatepe University. The survey encompassed a sample of 838 students. The collected data were analysed using Hayes' PROCESS Model 4. The findings reveal that success in finance courses has a positive effect on financial literacy. Moreover, part of the effect of a finance course's success is passed through financial self-confidence. This finding suggests that finance courses should not be delivered solely through theoretical instruction, but should also incorporate practice-based approaches that enhance students' self-confidence.

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Bu Makaleye Atıf Yap

Bozok, H., Özdemir, L., Baykut, E., Kula, V. (2025). FİNANSAL EĞİTİMDEN FİNANSAL OKURYAZARLIĞA: FİNANSAL ÖZ GÜVENİN ARACI ROLÜ. Muhasebe ve Finans İncelemeleri Dergisi, Cilt: 8 Sayı: 2, 348–360. https://doi.org/10.32951/mufider.1732885

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