واکاوی تأثیر آموزش اقتصاد بر سواد مالی و تصمیم گیری دانشجویان با نقش تعدیلگری وضعیت اجتماعی-اقتصادی خانواده

نوع مقاله : مقاله پژوهشی

نویسندگان
1 دانشجوی دکتری مدیریت آموزشی، دانشگاه ارومیه، ارومیه، ایران
2 استاد گروه علوم تربیتی، دانشگاه ارومیه، ارومیه، ایران
3 دانشیار گروه علوم تربیتی، دانشگاه ارومیه، ارومیه، ایران
4 استاد گروه علوم اقتصادی، دانشگاه ارومیه، ارومیه، ایران
10.61838/kman.irphe.29.4.2
چکیده
هدف پژوهش حاضر واکاوی تأثیر آموزش اقتصاد بر سواد مالی و تصمیم ­گیری دانشجویان با نقش تعدیلگری وضعیت اجتماعی-اقتصادی خانواده می ­باشد. پژوهش از لحاظ هدف کاربردی، با توجه به نحوه گردآوری داده­ ها توصیفی- همبستگی مبتنی بر مدل­یابی معادلات ساختاری است. جامعه آماری مورد مطالعه دانشجویان مشغول به تحصیل در دانشگاه ارومیه در سال تحصیلی 1401-1400 به تعداد 1632 نفر می ­باشد که به روش نمونه­ گیری تصادفی طبقه ­ای، 313 نفر انتخاب شدند. جمع ­آوری داده ­ها با استفاده از پرسشنامه­­ های ریسک­ پذیری، هنجارهای اجتماعی، تفکر احتمالی، سواد مالی و وضعیت اجتماعی-اقتصادی خانواده انجام شد و برای تجزیه و تحلیل داده ­ها در ابتدا شاخص­ متغیرهای پژوهش با روش تحلیل تناظر چندگانه با نرم ­افزار XLSTAT 2019 محاسبه و سپس مدل مورد نظر با استفاده از مدل­یابی معادلات ساختاری تعمیم یافته با نرم ­افزار  Stata 17 برآورد شد. یافته­ ها حاکی از آن است که، آموزش اقتصاد بر سواد مالی و تصمیم ­گیری دانشجویان تأثیر مثبت و معناداری دارد و آموزش اقتصاد از طریق سواد مالی بر ترجیحات ریسک، ترجیحات اجتماعی و باورهای احتمالی دانشجویان تأثیر معناداری داشته و نقش تعدیلگری وضعیت اجتماعی-اقتصادی در رابطه آموزش اقتصاد و سواد مالی مورد تایید قرار گرفت. نتایج تحقیق حاضر از کارآمدی سیاست‌های ترویج آموزش عمومی و اختصاصی اقتصاد پشتیبانی کرده و بر ماهیت توزیع‌کننده و برابری‌ خواهانه چنین سیاست‌هایی تأکید می‌نماید.

کلیدواژه‌ها

موضوعات


عنوان مقاله English

Analyzing the effect of economics education on students' financial literacy and decision-making with the moderating role of the family's socio-economic status

نویسندگان English

Azizeh Pashaei 1
Mohammad Hassani 2
Behnaz Mohajeran 3
Kiumars Shahbazi 4
1 Ph.D. student in Educational Administration, Urmia University, Urmia, Iran
2 Professor, Department of Educational Sciences, Urmia University, Urmia, Iran
3 Assistant Professor, Department of Educational Sciences, Urmia University, Urmia, Iran
4 Professor, Department of Economics, Urmia University, Urmia, Iran
چکیده English

The aim of the current research is to analyze the effect of economics education on financial literacy and decision-making of students with the moderating role of the socio-economic status of the family. In terms of practical purpose, the research is based on structural equation modeling according to the method of descriptive-correlation data collection. The statistical population studied is students studying in Urmia University in two faculties of Economics and Management and Literature and Human Sciences in the academic year of 2021-22 in the number of 1632 people, of which 313 people were selected by stratified random sampling method. Data collection was done using questionnaires of risk-taking, social norms, probabilistic thinking, financial literacy and socio-economic status of the family, and to analyze the data, firstly, the indicators of the research variables were analyzed using the analysis method. Multiple correspondence was calculated with XLSTAT 2019 software and then the desired model was estimated using generalized structural equation modeling with Stata 17 software. The findings indicate that economics education has a positive and significant effect on students' financial literacy and decision-making, and economics education through financial literacy has a significant effect on students' risk preferences, social preferences and probabilistic beliefs, and the moderating role of socio-economic status in relation to education. Economics and financial literacy were approved. The results of the present research support the effectiveness of policies promoting general and specific economics education and emphasize the distributive and egalitarian nature of such policies.

کلیدواژه‌ها English

Economics education
financial literacy
probabilistic beliefs
risk preferences
social preferences
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  • تاریخ دریافت 10 دی 1401
  • تاریخ بازنگری 07 تیر 1402
  • تاریخ پذیرش 31 تیر 1402
  • تاریخ انتشار 02 دی 1402