نوع مقاله : مقاله پژوهشی
عنوان مقاله English
نویسندگان English
Although today, financial literacy is the key to many economic decisions. But its formation can be caused by various factors such as financial socialization, financial experience and attitude towards money. Therefore, the purpose of this research is to investigate the role of financial socialization, financial experience and attitude towards money in the formation of financial literacy. The statistical population of the present study is made up of students. To determine the sample size, the formula introduced for structural equation modeling has been used. The sampling method is simple random and the data has been collected using a standard questionnaire and analyzed using the structural equation method. Based on the findings of the current research, the impact of the current variables in explaning/forming of the main research structure (financial literacy), in order of importance, are: attitude towards money, financial socialization and financial experience. Also, among the items related to financial socialization, the role of influence from family is stronger compared to influence from peer group and media, which shows that family can be effective in improving students' financial literacy by improving their attitude towards money and financial experience.
کلیدواژهها English
بابائی، هلسا؛ رضایی، نادر؛ پاک مرام، عسگر و عبدی، رسول. (1403). ارایه الگوی کیفی مالی رفتاری در بحرانهای بازار سرمایه ایران با تأکید بر ابعاد سوگیریهای عاطفی و شناختی سرمایهگذاران. دانش سرمایهگذاری، 16(62)، 150-125.
تفتیان، اکرم و باقینسب، فرزاد (۱۴۰۱). بررسی رابطه سواد مالی و مزیت رقابتی در شرکتهای کوچک و متوسط (SMEs) با تاکید بر استراتژی کاهش ریسک تجاری. مجله توسعه و سرمایه، دوره هشتم، شماره1، 187-167.
تفتیان، اکرم؛ کفاش پور یزدی، مهسا و غنی زاده، زهراء (1404). بررسی تاثیر ویژگیِ فردیِ اطمینان مالی بر دانش مالی، نگرش مالی و رفتار مالی زنان. پژوهشهای میانرشته ای زنان، دوره هفتم، شماره3، 75-63.
تفتیان، اکرم؛ میرزانیا نوخندان، مهدی و منصوری محمدآبادی، فاطمه (1403). شناسایی کاربردهای حسابداری ذهنی در مالی شخصی: کاربست فراترکیب. نشریه مطالعات رفتار مصرف کننده. «زیر چاپ»
فتحی چوبه، سید میلاد؛ براری نوکاشتی، صغری و ذوالفقاری، مهدی. (1403). شناسایی عوامل موثر بر سواد و رفتار مالی با تأکید بر شاخصهای آموزش مالی و کاربرد آن در بازار سرمایه، دانش سرمایهگذاری، 15(58)، 728-695.
محمدی، سیده آرزو؛ مینویی، مهرزاد؛ فتحی، زاداله؛ کرامتی، محمد علی و بختیاری، حسین. (1403). تخصیص بهینه منابع مالی مبتنی بر عوامل موثر درصنعت بانکداری. دانش سرمایهگذاری، 15(57)، 73-43.
محمدپور، داریوش؛ عباس زاده، محمد؛ آقایاری هیر، توکل و علیزاده اقدم، محمدباقر (1403). شناسایی عوامل مؤثر بر بهبودگی مالی با استفاده از روش فراترکیب. توسعه اجتماعی. 18(4)، 93-132.
نظری پور، محمد و نوری امجد، خلیل (1401). بررسی نقش سیستم حسابداری ذهنی در اتخاذ تصمیمات مالی خانوارها. پژوهشهای راهبردی بودجه و مالیه, 3(1), 194-161.
یوسف نژاد، ربابه و ملکیان کله بستی، اسفندیار. (1404). تاثیررفتارمالی، دانش مالی، نگرش مالی و عوامل فردی-اجتماعی بر رفتار سرمایهگذاران، دانش سرمایهگذاری، 14 (55)، 227-242.
Algarni, M. A., Ali, M., & Ali, I. (2024). The role of financial parenting, childhood financial socialization and childhood financial experiences in developing financial well-being among adolescents in their later life. Journal of Economic and Administrative Sciences. DOI: https://doi.org/10.1108/JEAS-07-2023-0194
Ameer, R., & Khan, R. (2020). Financial socialization, financial literacy, and financial behavior of adults in New Zealand. Journal of Financial Counseling and Planning, 31(2), 313-329. DOI: 10.1891/JFCP-18-00042
Babaei, H., rezaei, N., PakMaram, A. and ABDI, R. (2025). The Qualitative Model of Behavioral Finance from the Perspective of Emotional and Cognitive Biases in Iran's Capital Ma. Journal of Investment Knowledge, 16(62), 125-150. Doi: 10.30495/jik.2025.75410.4400 [In Persian]
Bai, R. (2023). Impact of financial literacy, mental budgeting and self control on financial wellbeing: Mediating impact of investment decision making. Plos one, 18(11), e0294466. DOI: https://doi.org/10.1371/journal.pone.0294466
Baranidharan, S., Sankarkumar, A. V., Chandrakala, G., Narayanan, R., & Sathyanarayana, K. (2023). The Role of Social Media in Empowering Digital Financial Literacy. Global Perspectives on Social Media Usage within Governments, 80-96. DOI: https://doi.org/10.4018/978-1-6684-7450-1.ch006
Böhm, P., Böhmová, G., Gazdíková, J., & Šimková, V. (2023). Determinants of financial literacy: Analysis of the impact of family and socioeconomic variables on undergraduate students in the Slovak Republic. Journal of Risk and Financial Management, 16(4), 252. DOI: https://doi.org/10.3390/jrfm16040252
Calderone, M., Fiala, N., Mulaj, F., Sadhu, S., & Sarr, L. (2018). Financial education and savings behavior: Evidence from a randomized experiment among low-income clients of branchless banking in India. Economic Development and Cultural Change, 66(4), 793-825. DOI: https://doi.org/10.1086/697413
Chhillar, N., & Arora, S. (2023). Financial Literacy and its Determinants: A Systematic review. Acta Universitatis Bohemiae Meridionales, 26(1). DOI: 10.32725/acta.2023.001
Danes, S. M., & Yang, Y. (2014). Assessment of the use of theories within the journal of financial counseling and planning and the contribution of the family financial socialization conceptual model. Journal of Financial Counseling and Planning, 25(1). https://ssrn.com/abstract=2466560
Fathi Choobe, S. M., Barari nokashti, S. and zolfaghari, M. (2025). Identifying factors affecting financial literacy and behavior with an emphasis on financial education indicators and its application in the capital market. Journal of Investment Knowledge, 15(58), 695-728. doi: 10.30495/jik.2025.73818.4312 [In Persian]
Frijns, B., Gilbert, A., & Tourani-Rad, A. (2014). Learning by doing: The role of financial experience in financial literacy. Journal of Public Policy, 34(1), 123-154. DOI: https://doi.org/10.1017/S0143814X13000275
Goyal, K., Kumar, S., & Hoffmann, A. (2023). The direct and indirect effects of financial socialization and psychological characteristics on young professionals' personal financial management behavior. International Journal of Bank Marketing, 41(7), 1550-1584. DOI: https://doi.org/10.1108/IJBM-09-2022-0419
Kim, J. H., & Torquati, J. (2019). Financial socialization of college students: Domain-general and domain-specific perspectives. Journal of Family and Economic Issues, 40(2), 226-236. DOI: https://doi.org/10.1007/s10834-018-9590-7
Loebiantoro, I. Y., Eaw, H. C., & Annuar, N. (2021). The Influence of Financial Socialization on Financial Literacy About Stock Investment in the Millennial Generation. United International Journal for Research & Technology (UIJRT), 3(2), 92-97. DOI: https://www.academia.edu/download/77993245/UIJRTV3I20013.pdf
Lone, U. M., & Bhat, S. A. (2024). Impact of financial literacy on financial well-being: a mediational role of financial self-efficacy. Journal of Financial Services Marketing, 29(1), 122-137. DOI: http://dx.doi.org/10.1057/s41264-022-00183-8
Mishra, A., & Maity, M. (2021). Influence of parents, peers, and media on adolescents' consumer knowledge, attitudes, and purchase behavior: A meta‐analysis. Journal of Consumer Behaviour, 20(6), 1675-1689. DOI: https://doi.org/10.1002/cb.1946
Mohammad pour, D., ABBASZADEH, M., Aghayari Hir, T., & alizadeh aghdam, M. B. (2024). Identify the Factors Affecting Financial Wellbeing Using the Meta-Synthesis Method. Quarterly Journal of Social Development (Previously Human Development), 18(4), 93-132. doi: 10.22055/qjsd.2024.42940.2786 DOI: https://doi.org/10.22055/qjsd.2024.42940.2786 [In Persian]
Mohammadi, S. A., minooei, M., Fathi, Z., Keramati, M. A. and bakhtiyari, H. (2024). Optimal allocation of financial resources based on effective factors in the banking industry. Journal of Investment Knowledge, 15(57), 43-73. doi: 10.30495/jik.2024.23760 [In Persian]
Nazaripour, M., & Noori Amjad, K. (2022). Title : Investigating the Role of Mental Accounting System in Making Household Financial Decisions. Budget and Finance Strategic Research, 3(1), 194-161. DOR: https://dor.isc.ac/dor/20.1001.1.27171809.1401.3.1.6.9 [In Persian]
Pak, T. Y., Fan, L., & Chatterjee, S. (2024). Financial socialization and financial well‐being in early adulthood: the mediating role of financial capability. Family Relations, 73(3), 1664-1685.DOI: https://doi.org/10.1111/fare.12959
Rasyidah, F.I., & Arifin, Z. (2024). The Effect of Financial Literacy, Attitudes towards Money, and Financial Pressure on the Financial Well-being of Non-Profit Organization Workers in Indonesia. Jurnal Indonesia Sosial Sains. https://dspace.uii.ac.id/handle/123456789/51762 [In Indonesian]
Riaz, S., Khan, H. H., Sarwar, B., Ahmed, W., Muhammad, N., Reza, S., & Ul Haq, S. M. N. (2022). Influence of financial social agents and attitude toward money on financial literacy: the mediating role of financial self-efficacy and moderating role of mindfulness. Sage Open, 12(3), 21582440221117140. Doi: https://doi.org/10.1177/21582440221117140
Shi, J., Ullah, S., Zhu, X., Dou, S., & Siddiqui, F. (2021). Pathways to financial success: An empirical examination of perceived financial well-being based on financial coping behaviors. Frontiers in Psychology, 12, 762772. DOI: https://doi.org/10.3389/fpsyg.2021.762772
Sirsch, U., Zupančič, M., Poredoš, M., Levec, K., & Friedlmeier, M. (2020). Does parental financial socialization for emerging adults matter? The case of Austrian and Slovene first-year university students. Emerging Adulthood, 8(6), 509-520. DOI: https://doi.org/10.1177/2167696819882178
Sohn, S. H., Joo, S. H., Grable, J. E., Lee, S., & Kim, M. (2012). Adolescents’ financial literacy: The role of financial socialization agents, financial experiences, and money attitudes in shaping financial literacy among South Korean youth. Journal of adolescence, 35(4), 969-980. DOI: https://doi.org/10.1016/j.adolescence.2012.02.002
Suyanto, S., Setiawan, D., Rahmawati, R., & Winarna, J. (2021). The impact of financial socialization and financial literacy on financial behaviors: an empirical study in Indonesia. The Journal of Asian Finance, Economics and Business, 8(7), 169-180.DOI: https://doi.org/10.13106/jafeb.2021.vol8.no7.0169
tajmir riyahi, H., & hedayat zadeh, S. (2023). Identifying and prioritizing strategies to improve financial literacy in the capital market. Budget and Finance Strategic Research, 4(1), 61-85. DOR: https://dor.isc.ac/dor/20.1001.1.27171809.1402.4.1.3.3 [In Persian]
Taftiyan, A., & BaghiNasab, F. (2023). Investigating the Relationship between Financial Literacy and Competitive Advantage in Small and Medium Enterprises (SMEs) with Emphasis on Business Risk Reduction Strategy. Journal of Development & Capital/Majallah-i tusiah & Sarmāyah, 8(1). DOI: 10.22103/jdc.2022.18242.1157 [In Persian]
Taftiyan, A., Kaffashpour yazdi, M. and ghanizadeh, Z. (2025). Investigating the Effect of the Individual Trait of Financial Self-Efficacy on Women's Financial Literacy, Financial Attitudes, and Financial Behavior. Journal of Women Interdisciplinary Researches, 7(3), 63-75. doi: 10.22034/jwir.2025.2065975.1014 [In Persian]
Taftian, A., Mirzania Nokhandan, M. and Mansouri Mohammadabadi, F. (2024). Identifying the applications of mental accounting in personal finance: a meta-composite application. Journal of consumer behavior studies. Doi: 10.22034/cbsj.2025.140232.2636 [In Persian]
