Abstract
The purpose of the study dealing with the mechanisms for managing the formation of the individual financial culture of university students is to identify the optimal pedagogical conditions that contribute to the development of financially literate behavior of students studying under education agreements as rational consumers of educational services. The work performed allowed concluding that the attitude of students to mastering the chosen educational program, their academic performance, as well as social and labor activity allows predicting the nature of their financial behavior as market actors in their future daily life. The majority of students do not tend to treat their training as an investment in their own human capital due to the predominance of paternalistic attitudes associated with the imposition of costs for education on older family members.
Highlights
IntroductionThe issue of the current research is to identify the relationship between the academic behavior of students as consumers of educational services and models of their individual financial culture, as well as to search for mechanisms influencing the model components
Mastering of higher education programs by students based on agreements on the provision by the university of paid educational services allows considering the choice of the university and the educational program a financial choice of the student in the capacity of the consumer
The experimental hypothesis is as follows: forming and developing an individual financial culture of students will be effective if the following conditions are met: high academic performance of students in the studied disciplines; involvement of students in volunteer activities in the field of financial literacy and financial control; and the reasonable competent employment during the study period at the university
Summary
The issue of the current research is to identify the relationship between the academic behavior of students as consumers of educational services and models of their individual financial culture, as well as to search for mechanisms influencing the model components. The purpose of the study is to reveal typical patterns of the individual financial culture of student youth, as well as the mechanisms of their formation and correction based on the analysis of the educational behavior of students, and their various activities in extracurricular areas. The goal is achieved by solving the following main tasks: identifying the main elements of students' financial culture, indicators, and levels of its formedness; evaluating the potential of students' volunteer activities in developing their financial culture; analysis of pedagogical conditions of the individual financial culture formation and development in the course of educational activities
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