Financial Literacy Of Students Research Articles

商务英语专业跨境电商类财经素养教育研究

Currently, financial literacy education in our country is receiving increasing attention, and its importance is widely recognized. As the main place to carry out financial literacy education, schools play an important role in cultivating students' financial literacy. Taking Hezhou University as an example, this article conducts a questionnaire survey on the cross-border e-commerce financial literacy education of business English major students based on the ‘China Financial Literacy Education Standard Framework’, focusing on the crossborder e-commerce financial knowledge, financial skills and financial literacy of students. values. The study found that the target students have a vague concept of financial literacy and do not attach much importance to it. Students are exposed to a low proportion of finance-related content in cross-border e-commerce courses. Students’ crossborder e-commerce financial knowledge, skills, and values need to be strengthened. Starting from the requirements for the high-quality development of higher education in China, and drawing on the experience of domestic and foreign financial literacy education, it is proposed to create a dual channel for ‘teachers and students’ to popularize cross-border e-commerce financial literacy values, and to build an ideological and political embedding of ‘professional courses + financial literacy elements’ model, relying on the second classroom and school-enterprise practice to strengthen the application of cross-border e-commerce financial skills and other suggestions and countermeasures, providing certain reference suggestions for the training of business English majors in local universities and the reform of new liberal arts teaching.

Identity exploration of university students in the somatic and material domains: the mediating role of conspicuous consumption

PurposeThis paper is determined to examine the role of body image and materialism in predicting the identity exploration of university students when conspicuous consumption is a mediator variable.Design/methodology/approachThe study used a quantitative method. Data were collected from students of three federal universities in Nigeria. The sample size was 331. A self-report questionnaire was used to collect data and analysis was performed using the partial least squares structural equation modelling.FindingsFindings reveal that materialism has a negative association in predicting the identity exploration of students. At the same time, there was a significant full and partial mediating effect of conspicuous consumption on the relationship between body image and materialism on identity exploration, respectively.Research limitations/implicationsThe study provides valuable information for parents in understanding how conspicuous consumption may influence their children’s identity formation. The findings can also be helpful for educators in the design of discussions and interventions for students on the social-psychological antecedents of conspicuous consumption and identity exploration. Government and regulatory agencies can use the study’s findings to shape student financial literacy and consumer protection policies.Originality/valueThis study makes both theoretical and methodological contributions to the existing literature. It provided concrete empirical evidence establishing a subtle connection between the symbolic self-completion theory and the identity status paradigm. It is also amongst the first single research conducted within the scope of these two theories in the Nigerian higher education context.

Financial Literacy, Financial Technology Literacy, and Capital Market Participation

Objective: This study aims to determine the effect of financial literacy and fintech literacy on capital market participation. It also examines the effects of individual characteristics (i.e., gender, age, student's allowances and income, parent's education, and parent's income) on financial and fintech literacy. Design/Methods/Approach: This study obtained 349 data from email and field surveys using purposive sampling. Data analysis was performed using OLS and path analysis. Findings: Results show that the level of student financial literacy is sufficiently literate, with a moderate level of fintech literacy but low capital market participation. The results also show financial and fintech literacy positively affects capital market participation. Financial literacy also exhibits indirect effects on capital market participation. Analysis of the determinants of literacy shows that gender, age, student allowances, and income have a significant positive effect on financial literacy and fintech literacy. We also find that parental education and income show a negative effect on fintech literacy. Originality/Value: This study is the first to examine the relationship between financial literacy, fintech literacy, and capital market participation in young adults in metropolitan cities in Indonesia. The results are expected to provide insight for the authorities of the monetary system and the capital market to develop strategies for the more intense involvement of young adults in the capital market. Practical/Policy implication: This study highlights the importance of educating students about financial and fintech literacy to increase their participation in the capital market. Decision-makers should focus on providing intense education on portfolio investment, risk and return, and investment instruments. Financial authorities should also collaborate with fintech operators and securities companies to promote capital market products through fintech and educate the public with more comprehensive information.

The Influence of Peers and Financial Learning in Higher Education on Financial Literacy

Financial literacy is important for individuals so that individuals are better at managing their finances. Good financial literacy can prevent individuals from financial problems. This study aims to determine the effect of peers and financial learning in college on financial literacy. This research method uses a quantitative survey method with an explanatory design. The population used was students of the Department of Sharia Economics, Economics Education, Accounting, Management, Finance and Banking, and Agribusiness Class of 2020 at Siliwangi University, totaling 1013 respondents. The sampling technique used is propotional random sampling with the slovin formula. Meanwhile, the data collection technique in this case uses a questionnaire and the data analysis technique uses multiple linear regression tests. The results showed that 1) there is no significant influence between peers on student financial literacy 2) there is a significant influence of financial learning in college on student financial literacy.

The influence of Social Environment and Economic Rationality on Student Financial Literacy Literacy

The influence of Social Environment and Economic Rationality on Student Financial Literacy Literacy

MOTIVASI BELAJAR DAN KUALITAS PELAYANAN DOSEN, PENGARUHNYA PADA LITERASI KEUANGAN MAHASISWA AKUNTANSI UNIVERSITAS PATTIMURA

Financial literacy focuses on understanding and implementing financial concepts it in real life. This study aims to examine the influence of learning motivation and service quality of lecturers on student financial literacy. These two variables are very rarely investigated by previous studies. To answer these questions quantitative research methods using the SPSS application. Questionnaires used to be processed with SPSS to answer research questions from as many as 192 respondents. 192 respondents were Pattimura University accounting students who were studying in the even semester of 2022/2023 and were willing to voluntarily become respondents. The results show that motivation affects literacy while the financial quality of lecturer services does not affect financial literacy. Thus, the lecturer always fosters a spirit of student motivation in the activities of each lecture so that students continue to increase their understanding of financial literacy

PENGARUH PENERAPAN ALUR MERDEKA TERHADAP KEMAMPUAN LITERASI FINANSIAL SISWA DI KELAS V

The aim of this research is to determine the effect of implementing the independent flow on students' financial literacy abilities. Financial literacy is an understanding and skills regarding understanding concepts, risks and context in financial matters. The research uses quantitative methods where this research uses and collects systematic and structured data from the beginning to the end of data collection. The total population studied was 8 samples with the sample being in class V North Gombak DICTIONARY Study Studio, Selangor, Malaysia. The research was based on students' lack of understanding of financial literacy, so they were unable to manage their finances wisely. This lack of understanding is due to a lack of education regarding financial literacy in both formal and non-formal education. The results of this research show that the application of the independent flow to students' financial literacy skills is very influential and can provide students with an understanding and skills regarding financial literacy which can be seen from the T-Test Sig 2 Tailed = 0.000 < 0.05 which is stated to be very influential, so it can be concluded that the application The independent flow is very influential on the development of students' abilities in terms of student financial literacy and can be applied in the learning process.

Gaya Hidup Siswa Lebih Menentukan Kemampuan Pengelolaan Keuangan Syariah Dibandingkan dengan Literasi Keuangan Syariah

One indicator of sharia financial management is funding made by students. However, not all students manage their finances well. This study aims to examine the effect of Islamic financial literacy and lifestyle variables on students' Islamic financial management. The authors utilized a cross-sectional survey. The sample size used was 104 students of class X Madrasah Aliyah Negeri 2 Tangerang Regency and census as the sampling technique. As for determining the size of the questionnaire using google form through the student's WhatsApp group and having tested its validity and reliability. The author utilized a logistic regression model for testing. The results showed that sharia financial literacy was a significant determinant in improving Islamic financial management. In other words, the higher the student's financial literacy, the better the possibility to manage finances in a sharia manner for students. This showed that the higher student knowledge about finance, managerial ability in sharia would increase. Likewise, students' lifestyles were also a significant determinant in improving students' sharia financial management. The lifestyle in question was that students carry out positive activities, had high interest in learning, had a positive opinions, allocated money appropriately, and utilized money according to their needs. Student lifestyle had a higher influence than financial literacy in determining sharia financial management. The findings of this study provide scientific contributions, especially in the field of education and help students to have good attitudes and behavior in managing finances inside and outside school.

Factors Influencing Student Financial Literacy (Case Study of Students at the Faculty of Economics and Government Science, Indo Global Mandiri University)

This study aim to analyze the factors that affect student financial literacy with variables of class rank, GPA and pocket money. The object of this research is students of the faculty of Economics and Government Sciences, Indo Global Mandiri University. Data collection techniques were carried out by distributing questionnaires to 263 respondents individually. The hypothesis testing method is done by the chi-square test. The results of this study indicate that the class rank and GPA factors influence students’ financial literacy, while the pocket money factor do not affect students’ financial literacy.

Financial attitude and financial behavior analysis towards student financial literacy in Kupang City

A child from an early age should have been taught and accustomed to saving money by his parents at home. This will help his future, especially when he grows up, he becomes good at managing finances for needs, savings and wants. A student's knowledge of finance is very important because it will help him manage the money he has as well as possible for daily needs without any difficulties at certain times. This study will analyze the influence of two independent variables, namely financial attitude and financial behavior, on the level of financial literacy of students in Kupang City. The study involved a sample of 100 students from Kupang City who filled out a Google form, which was then used to collect data. Responses to incoming questionnaires will be processed using a statistical program, namely SPSS.26. Analysis of the study data revealed that, while financial behavior did not significantly affect students' financial literacy, financial attitudes had a considerable impact. The results of the concurrent assessment show a strong correlation between students' attitudes and financial behavior, which ultimately has a significant impact on the overall level of students' financial literacy in Kupang City. This result certainly means that students really need to be equipped with knowledge about financial literacy which is very useful for the future in front of them. Good financial knowledge will determine good financial decisions as well.

Financial Literacy: Determinants and Impact on Financial Behaviour

The knowledge and skills required for personal finance management are becoming more important due to a number of trends. At the same time, research of student’s financial literacy either completely lacks or shows that financial knowledge and skills are insufficient. The present first-of-its-kind study in Bulgaria addresses this discrepancy. The purpose of the article is to present the results from an empirical study on the financial literacy of students at Bulgarian universities. From a methodological perspective the article is based on a quantitative empirical research. The research has found that the level of financial literacy is influenced by characteristics such as gender, student income, and responsibility for the financial decision-making, but does not depend on student specialty, university, educational degree or taking a course in personal finance management. If the impact of financial literacy on students’ financial decisions and behaviour is concerned, the results show that the knowledge and skills required for personal finance management influence how one controls the budget in a household, the behaviour in cases of decreased income, and retirement savings. However, financial literacy does not influence the availability of a household budget, the frequency of budget control and the availability of an emergency fund.

PENGARUH PERILAKU DAN SIKAP KEUANGAN MAHASISWA TERHADAP LITERASI KEUANGAN PADA JURUSAN AKUNTANSI FEB UNIVERSITAS PALANGKARAYA

The role of student financial behavior and attitudes is important in implementing wise financial literacy. This study aims to determine the behavior and financial attitudes of students towards financial literacy using quantitative methods. The data obtained primary with the questionnaire data collection method and the intended respondents are accounting students in semesters 4 (2020/2021) FEB Palangkaraya University. Sampling was carried out using the Slovin formula and purposive sampling technique so as to get 68 students as samples. The analytical method used is multiple linear regression and the measurement scale of the sample questionnaire value uses a Likert scale. Based on the results of partial and simultaneous regression testing, it is known that student financial behavior has no effect on student financial literacy. Students' financial attitudes have a significant effect on financial literacy. Financial attitudes are needed so that financial literacy is getting better in order to face increasingly complex financial problems in the future. From this study also, students' financial behavior and attitudes have a simultaneous effect on financial literacy, this shows financial behavior followed by the way students respond to the resources they have, leading to a wise attitude in implementing their financial literacy

Financial behavior and literacy of students in Russian higher education institutions

The main purpose of this article is to consider the level of financial behavior and financial literacy of students in higher educational institutions. Show what knowledge students have in the field of financial literacy, and how they apply it in real life situations in the modern world, where all types of financial services are actively used. It is also equally important to determine what factors influence the financial behavior of students. Indeed, over the past decades, the financial market, in the context of local wars, armed conflicts, crises, has undergone many changes and innovations. All this has an impact on the social population and requires the study of financial literacy and the formation of financial behavior. All this adds up to a complex financial system. Students already have an understanding of simple financial instruments, but basic knowledge in this area is not enough for a financially independent life. Therefore, it is important to study the financial industry and actively implement this knowledge in everyday life.

Financial literacy of students in Serbian language and literature classes in the second cycle of primary education

Financial literacy of students in Serbian language and literature classes in the second cycle of primary education

Financial literacy exchange and its challenges in Post-Soviet Georgia

Financial literacy is becoming an urgent challenge in many countries. This situation is more acute in a developing country with a Soviet experience. The affected population, who are in advanced positions in the international financial machinations of the current period, is unmistakable proof of the low level of financial awareness in Georgia. The present study aims to determine the impact of student financial literacy on consumer behavior in Georgia as a Post-Soviet country. The study uses statistical methods, both probabilistic and non-probabilistic sampling. The paper reviews foreign experience and is a similar study conducted in Asia and Europe. The number of interviewed respondents was 295 students from the Imereti region (there are two universities in the region), which is 35% of the total number of students. The questionnaire consisted of 21 questions. The respondents were interviewed from October to mid-December 2021. The study has shown that financial awareness is relatively low; students do not perceive that they need to raise their financial education and skills, which makes the current situation even more dramatic. Among the positive trends was that 81% of students were ready to raise their level of financial education. The reason is that the Georgian educational system needs to be reformed to raise financial awareness by studying the essence of elementary money and the simplest budget planning models. The study results showed that in conditions of low financial awareness, students cannot plan the budget, control, and use financial services effectively and efficiently.

Pengaruh Literasi Keuangan dan Kepercayaan terhadap Minat Beli Produk Asuransi di Kalangan Mahasiswa

This study explains the relationship between research variables by testing existing hypotheses. In this study, the authors explain and examine the relationship between the independent variables in the form of financial literacy and perceptions of trust and the dependent variable is buying interest. This study is a quantitative study and questionnaires were collected and processed using variant-based Structural Equation Modeling (SEM).The results show that between the two variables, the perception of trust can act as the strongest predictor in predicting interest in buying insurance products among students. Then, the results also show that the level of student financial literacy can also predict the interest in buying insurance products among students quite well, although it is still lower than the influence of the variable perception of trust.

Factors Affecting Student Financial Literacy

Students, on the whole, have more leeway to exercise their own discretion regarding matters of personal finance. On the other hand, the current phenomenon does not indicate that students have a good grasp of financial concepts. In order for students to be able to make the most of the money they have, they need to be provided with an education that teaches them financial information and skills and teaches them how to properly handle funds. The goal of this study is to determine which factors, if any, have an effect on the financial literacy level possessed by university students in the city of Serang, Indonesia. The method used in this research is to go directly to the respondents who are the samples in the study to get primary data. The sampling technique in this study ses a proportionate random sampling with data collection techniques using a questionnaire distribution technique. Factor analysis of 17 indicator variables resulted in 5 forming factors, namely: 1) Management Factors, 2) Income Factors, 3) Budgeting Factors, 4) Education Factors, and 5) Planning Factors.

A Structural Equation Modelling Approach for College Students Financial Literacy

This research explores the dynamics of financial literacy among students in shaping future financial well-being. Using Structural Equation Modeling (SEM), it aims to uncover the relationship between financial literacy and students' interest in learning about finance. The data is derived from responses to a questionnaire from 200 students. The research reveals a path coefficient of 0.97 between financial literacy and literacy interest, indicating a strong positive relationship. This implies that 97% of the variation in financial literacy can be explained by literacy interest. Overall, the SEM model demonstrates a significant fit, providing valuable insights for enhancing financial literacy among college students.

PENGARUH SIKAP FINANSIAL DAN PERILAKU FINANSIAL TERHADAP TARAF LITERASI FINANSIAL MAHASISWA

The research aims to explain the effect of financial atitude on the level of financial literacy, explain the effect of financial behaviour on the level of financial literacy, and explain the influence of financial atitude and financial behaviour on the level of financial literacy. This research is a type of quantitative descriptive research. The population in this study were students of STKIP PGRI Jombang class 2018-2021. The sampling technique used proportional random sampling technique, in order to obtained the number of respondens as much as 311 people. The research instrumen used a questionaire. The data analysis technique used descriptive analysis and multiple linear regression analysis. The results showed that the level of financial literacy of STKIP PGRI Jombang students in the 2018-2021 batch was 4.01 which was in the high category. In addition, this study is able to prove that financial atitude affects the level of student financial literacy, financial behaviour affects the level of student financial literacy, and financial atitude and financial behaviour affect the level of student financial literacy. Keywords : finanncial literacy, financial atitude, financial behaviour

Interdisciplinary integration as a means of university students’ financial literacy improvement

Currently, much attention is paid to the improvement of financial literacy in the Russian Federation. In modern conditions, financial literacy can be improved on the basis of the idea of interdisciplinary integration. One of the content and procedural characteristics of the educational potential of interdisciplinary integration is to increase the level of practice orientation of the educational process. The purpose of this study is to identify the possibilities of using interdisciplinary integration for university students financial literacy improvement by solving practice-oriented tasks. The educational course Physics has a special practical benefit when using such integration. The paper presents an example of a practice-oriented task that implements the principle of interdisciplinary integration. In the proposed problem, the content part is related to the course of general physics, mathematics provides the process of building a model and solving the problem in the language of the model. The following points are given: the statement of the problem, recommendations for the solution, the main characteristics of the problem and its solutions. The evaluation of the results obtained in the task and the choice of the most optimal solution contribute to the improvement of financial literacy and positive financial behavior. The task in question illustrates that solving physical problems associated with a certain kind of economic situations is a necessary condition for personal financial well-being. The results of the study can be used in the educational process of higher education organizations.