ارائه الگوی آموزش سواد مالی در ایران با استفاده از روش نظریه‌پردازی داده بنیاد
الموضوعات :فاطمه کاظم پور دیزجی 1 , محمد حامد خان محمدی 2 , محمود معین الدین 3
1 - گروه حسابداری، واحد دماوند، دانشگاه آزاد اسلامی، دماوند، ایران
2 - گروه حسابداری, واحد دماوند، دانشگاه آزاد اسلامی, دماوند، ایران
3 - گروه حسابداری، واحد یزد، دانشگاه آزاد اسلامی، یزد، ایران
الکلمات المفتاحية: سواد مالی, داده بنیاد, کلمات کلیدی: آموزش,
ملخص المقالة :
سواد مالی توانایی استفاده از دانش و مهارت برای مدیریت تصمیمات پولی درست و موثر است. مطالعه حاضر با استفاده از روش نظریه‌پردازی داده بنیاد به ارائه الگویی جهت آموزش سواد مالی در ایران می‌پردازد. این پژوهش از حیث پارادایم های غالب پژوهش، در گروه تفسیری قرار می‌گیرد. جهت جمع آوری داده های مورد نیاز از تکنیک مصاحبه نیمه ساختار یافته و روش نمونه گیری گلوله برفی استفاده شده است. مصاحبه شوندگان این پژوهش را متخصصین و اساتید حسابداری و مالی تشکیل داده اند. داده‌های پژوهش به روش کدگذاری باز که مختص رویکرد زمینه ای است مورد تجزیه و تحلیل قرار گرفت و مقولات مفهومی، اصلی و کلان استخراج و در نهایت الگوی آموزش سواد مالی شامل عوامل علی، ساختاری، مداخله گر و همچنین راهبردها جهت آموزش سواد مالی و پیامدهای پیاده سازی سیستم صحیح آموزش سواد مالی ارائه گردیده است. با توجه به نتایج پژوهش مقوله اصلی شامل آموزش سرفصل‌های کلی، مدیریت درآمد و پس انداز، مدیریت ریسک و مدیریت مخارج می‌باشد که جهت طرح، تدوین و اجرای برنامه آموزش سواد مالی در ایران می‌توان از آن بهره برد.
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