تأثیر آموزش مالی بر دانش مالی، نگرش مالی و رفتار مالی دانشجویان (مورد مطالعه: دانشجویان مدیریت و حسابداری شهرستان مشهد)
محورهای موضوعی : حسابداری و مسئولیت پاسخگویی
مهدی فیل سرائی
1
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بهزاد شفیعی مقدم
2
1 - استادیار حسابداری موسسه آموزش عالی حکیم طوس، مشهد، ایران
2 - موسسه آموزش عالی حکیم طوس، مشهد، ایران
کلید واژه: آموزش مالی, نگرش مالی, دانش مالی, رفتار مالی,
چکیده مقاله :
هدف: هدف پژوهش حاضر تأثیر آموزش مالی بر دانش مالی، نگرش مالی و رفتار مالی دانشجویان مدیریت و حسابداری شهرستان مشهد بوده است. روش‌شناسی: جامعه آماری پژوهش دانشجویان مدیریت و حسابداری شهرستان مشهد در استان خراسان رضوی بودند. تعداد 400 پرسشنامه گردآوری و از روش مدلسازی معادلات ساختاری استفاده شد. روش گردآوری داده‌ها بصورت میدانی با توزیع پرسشنامه است. این پژوهش از نوع کاربردی و توصیفی پیمایشی است و جمع‌آوری اطلاعات پرسشنامه‌ای تهیه شده از چند پرسشنامه استاندارد بود که توسط محقق یکپارچه‌سازی شد. برای آزمون فرضیه‌ها از روش آزمون همبستگی، مدل معادلات ساختاری و رگرسیون (تحلیل مسیر) در نرم‌افزار اسمارت‌پی‌ال‌اس انجام شد. یافته‌ها: نتایج نشان داد که آموزش مالی بر نگرش، دانش و رفتار مالی اثر معنی‌دار دارد. تأثیر متغیر نگرش مالی بر رفتار مالی مثبت و معنادار بوده، همچنین تأثیر دانش مالی بر رفتار مالی مثبت و معنادار بوده است. دانش افزایی: مطالعات بسیاری در خصوص عوامل متأثر از آموزش مالی انجام شده است. مطالعه حاضر با بررسی تأثیر آموزش مالی بر مؤلفه‌هایی از جمله دانش مالی، نگرش مالی و رفتار مالی در قشری خاص از افراد جامعه (دانشجویان) که مقدرات آینده جامعه به دست آنان است، انجام شده است. لذا از این حیث، به ادبیات موجود اضافه می‌کند.
Purpose: The purpose of this research was the effect of financial education on financial knowledge, financial attitude and financial behavior of management and accounting students of Mashhad. Methodology: The statistical population of the research was management and accounting students of Mashhad city in Razavi Khorasan province. 400 questionnaires were collected and structural equation modeling method was used. The method of data collection is library and field method with questionnaire distribution. This research is an applied and descriptive survey, and the data collection was a questionnaire prepared from several standard questionnaires that were integrated by the researcher. To test the hypotheses, correlation test method, structural equation model and regression (path analysis) were used in SmartPLS. Findings: The results showed that the effect of financial education on financial attitude, knowledge and behavior was confirmed. The effect of financial attitude variable on financial behavior was positive and significant, and the effect of financial knowledge on financial behavior was positive and significant. Originality: Many studies have been conducted on the factors affecting financial education. The present study has been conducted by examining the impact of financial education on components such as financial knowledge, financial attitude and financial behavior in a certain group of people (students) who are responsible for the future of the society. Therefore, in this sense, it adds to the existing literature.
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