ارائه چارچوبی برای استقرار و توسعه نظام پیوسته سواد مالی از طریق سنجش سواد مالی در مدارس متوسطه تهران

نوع مقاله : مقاله پژوهشی (کاربردی)

نویسندگان

1 دانشجوی دکتری، گروه مدیریت صنعتی، دانشکده مدیریت و حسابداری، واحد رودهن، دانشگاه آزاد اسلامی، رودهن، ایرا ن

2 استادیار، گروه مدیریت صنعتی، دانشکده مدیریت و حسابداری، واحد رودهن، دانشگاه آزاد اسلامی، رودهن، ایران.

چکیده

سواد مالی و درک مفاهیم آن برای دانش‌آموزان و دانشجویان، اهمیت ویژه دارد؛ زیرا تصمیمات مالی اتخاذ شده توسط آنها در دوره دانشجویی تأثیر به‌سزایی بر وضعیت مالی آن‌ها پس از فارغ‌التحصیلی از مدرسه و دانشگاه دارد. هدف از تحقیق حاضر، ارائه چارچوبی برای استقرار و توسعه نظام پیوسته سواد مالی از طریق سنجش سواد مالی در مدارس متوسطه تهران بوده است. شیوه مطالعه در این تحقیق، روش پیمایشی- توصیفی می‌باشد. پس از استخراج و تأیید پرسش‌نامه مناسب، پرسش‌نامه بین دانش‌آموزان توزیع گردید. جامعه آماری این بخش از تحقیق دانش‌آموزان سال سوم، دوره دوم متوسطه مدارس شهر تهران بود. یافته‌ها حاکی از آن است که ابعاد سه‌گانه سواد مالی (دانش مالی، رفتارمالی، نگرش مالی) دانش‌آموزان، بر رشته تحصیلی آنان (236/0) و بر شغل والدین آنان (205/0) تاثیر دارد. نتایج نشان می‌دهد که با ابعاد سه‌گانه سواد مالی دانش‌آموزان، میزان رشته تحصیلی آنان به نسبت قوی، پایین خواهد بود و با بالا بودن ابعاد سه‌گانه سواد مالی دانش‌آموزان، میزان شغل والدین آنان به نسبت قوی، پایین خواهد بود.

کلیدواژه‌ها

عنوان مقاله [English]

Providing a framework for establishing and developing a continuous financial literacy system by measuring financial literacy in Tehran high schools

نویسندگان [English]

  • majid ghaderirahaghi 1
  • saber khandan alamdari 2
1 PhD Student, Department of Industrial Management, Faculty of Accounting and Management , Roudehen Branch, Islamic Azad University, Roudehen, Iran.
2 Assistant Professor, Department of Industrial Management, Faculty of Accounting and Management, Roudehen Branch, Islamic Azad University, Roudehen, Iran.
چکیده [English]

Financial literacy and understanding its concepts are of particular importance to students because the financial decisions they make during their student years have a significant impact on their financial situation after graduating from school and university. The aim of the present study was to provide a framework for the establishment and development of a continuous financial literacy system by measuring financial literacy in Tehran secondary schools. The study method in this research was survey-descriptive method. After extracting and approving the appropriate questionnaire, the questionnaire was distributed among students. The statistical population consisted of third year high school students Tehran. The findings indicate that the three dimensions of student 'financial literacy’ (financial knowledge, financial behavior, and financial attitude) affect their field of study (0.236) and their parents' job (0.205). The results show that with the three dimensions of students' financial literacy, their level of education will be relatively strong, and with high financial literacy, their parents' employment rate will be relatively low.

کلیدواژه‌ها [English]

  • Development of continuous financial literacy system
  • Measurement of financial literacy
  • Tehran secondary schools

مراجع

References
Adamzadeh, E., Adamzadeh, F., & Derogarian, F. (2008, December 23-24). The Impact of Education on Entrepreneurship and Economic Development. The first national conference on the development of economic activities, Tehran, Iran. https://civilica. com/doc/65312/
Ahmadi, G. A., Imam Juma, S. M. R., & Alizadeh Katanloui, L. (2015). Investigating the level of attention to all components of financial and economic literacy in the content of elementary school textbooks. Research in Curriculum Planning, 12(20), 179-192. https://www.sid.ir/fa/journal/ViewPaper.aspx?id=265821
Arifin, A. Z. (2018). Influence factors toward financial satisfaction with financial behavior as intervening variable on Jakarta area workforce. European Research Studies Journal, 21(1), 90-103. https://www.um.edu.mt/library/oar/handle/123456789/300 92
Bach, G. L., & Saunders, P. (1965). Economic education: Aspirations and achievements. The American economic review, 55(3), 329-356. https://www.jstor.org/stable/1814554
Bahmani, M., & NezamTaheri, S. S. (2020). Evaluating the Effect of Earning Smoothing Using Maximization and Minimization of Earnings Approaches to Reduce Stock Price Crash Risk in Companies Accepted in Tehran Stock Exchange. Karafan Quarterly Scientific Journal, 16(46), 253-274. https://karafan.tvu.ac.ir/article_105729_379d82d24a52acf40 d3e0743bd38c076.pdf
Becker, W., Greene, W., & Rosen, S. (1990). Research on high school economic education. The Journal of Economic Education, 21(3), 231-245. https://www.tandfonline.com/ doi/abs/10.1080/00220485.1990.10844670
Blue, L., Grootenboer, P., & Brimble, M. (2014). Financial literacy education in the curriculum: Making the grade or missing the mark? International Review of Economics Education, 16, 51-62. https://doi.org/10.1016/j.iree.2014.07.005
Bongini, P., Iannello, P., Rinaldi, E. E., Zenga, M., & Antonietti, A. (2018). The challenge of assessing financial literacy: alternative data analysis methods within the Italian context. Empirical Research in Vocational Education and Training, 10(1), 12. https://doi.org/10.1186/s40461-018-0073-8
Cameron, M. P., Calderwood, R., Cox, A., Lim, S., & Yamaoka, M. (2014). Factors associated with financial literacy among high school students in New Zealand. International Review of Economics Education, 16, 12-21. https://doi.org/10.1016/j.iree.2014.07.006
Cheng, L-R. L. (2007). Cultural Intelligence (CQ):A Quest for Cultural Competence. Communication Disorders Quarterly, 29(1), 36-42. https://doi.org/10.1177/1525740108314860
Demirhan, D., Babacan, O., Ardogan, R., & Tatarlar, CD. (2019, November 28-30). Relationship Between Financial Literacy and Financial Self-Efficacy: A Research On University Students. International Conference on Applied Economics and Finance Turkey, Kusadası -Turkey. https://www.researchgate.net/publication/331275646_Relationship_Between_F inancial_Literacy_And_Financial_Self-_Efficacy_A_Research_On_University_Students
Organization for Economic Cooperation and Development (2017). Principles of Corporate Governance of the Organization for Economic Cooperation and Development: Report of the Organization for Economic Cooperation and Development to the Ministers of Economy and Central Bank Governments September 20. Exchange (affiliated with Exchange Information and Services Company). https://www.adinehbook.com/gp/product /6007872238
Dianti Deilami, Z., & Hanifehzadeh, M. (2015). A Survey of Financial Literacy Levels of Tehran Families and Related Factors. Quarterly Journal of Securities Analysis Financial Knowledge, 8(26), 115-139. https://jfksa.srbiau.ac.ir/article_6789.html
Driva, A., Luhrmann, M., & Winter, J. (2016). Gender differences and stereotypes in financial literacy: Off to an early start. Economics Letters, 146, 143-146. https://doi.org/10.1016/j.ec onlet.2016.07.029
Duca, J. V., & Kumar, A. (2014). Financial literacy and mortgage equity withdrawals. Journal of Urban Economics, 80, 62-75. https://doi.org/10.1016/j.jue.2013.08.003
Islami Bidgoli, S., & Karim Khani, M. (2016). Financial literacy: Political-economic contexts of emergence and its place in market economy. Journal of Financial Research, 18(2), 251-274. https://doi.org/10.22059/jfr.2016.61591
Jafari Nodooshan, A. A. (2011). In need of financial literacy movement. Bourse Magazine(97), 24-27.
Mamsholi, M. (2013). Curriculum requirements for financial literacy in primary education with the intention of designing a curriculum [Master, Allameh Tabatabaei]. Tahran, Iran. https://ganj.irandoc.ac.ir/#/articles/e6c2ded9025116e8cc05349ee3c080ec
Meiriza, M. S. (2015). Students' Perception on the Prospect of Economics Education Study Program. Journal of Education and Practice, 6(28), 144-151. https://eric.ed.gov/?id =EJ1081248
Mirarab Razi, R., Hajitabar, Firoozjaei, M., & Arianfar, S. (2019). Analysis of Economic Literacy Components of Secondary School Textbooks from the Viewpoint of Teachers and Students. Journal of Educational Planning Studies, 7(14), 121-132. https://doi.org/1 0.22080/eps.1970.2128
Musazadeh, Z., Azim Zadeh Ardabili, F., & Sanati, F. (2016). Economic education in the field of distributed application components of the education system based on Islamic teachings. Islamic Perspective on Educational Science, 3(5), 5-20. https://doi.org/10.30497/edus.201 6.57797
Musazadeh, Z., Azimzadeh, F., & Sanati, F. (2015). Application of components in the field of economic education in the education system based on Islamic teachings. Educational sciences from the perspective of Islam, 3(5), 5-20. https://www.sid.ir/fa /journal/ViewPape r.aspx?id=270412
Noviani, L., Soetjipto, B. E., & Sabandi, M. (2015). Economic Education Laboratory: Initiating a Meaningful Economic Learning through Laboratory. Journal of Education and Practice, 6(33), 93-98. https://eric.ed.gov/?id=EJ1083518
Pandey, C., & Bhattacharya, S. (2012). Economic literacy of senior secondary school teachers: A field study. Journal Of All India Association For Educational Research, 24(1), 46-60. https://silo.tips/download/economic-literacy-of-senior-secondary-school-teachers-a-field-study
Peyghami, A., & Turani, V. (2011). The role of the economics curriculum in the formal and public education curriculum of the world, providing an action plan for a neglected curriculum. Quarterly Journal of Educational Innovations, 37(9), 32-36. https://ww w.sid.ir/fa/journal/ViewPaper.aspx?ID=149506
Potrich, A. C. G., Vieira, K. M., & Mendes-Da-Silva, W. (2016). Development of a financial literacy model for university students. Management Research Review, 39(3), 356-376. https://doi.org/10.1108/MRR-06-2014-0143
Purnomo, B. R. (2019). Artistic orientation, financial literacy and entrepreneurial performance. Journal of Enterprising Communities: People and Places in the Global Economy, 13(1-2), 105-128. https://doi.org/10.1108/JEC-09-2018-0065
Qalamq, K., Yaqub Nejad, A., & Fallah Shams, M. F. (2016). The effect of financial literacy on the behavioral biases of Tehran Stock Exchange investors. Financial management perspective, 6(4), 75-94. https://www.sid.ir/fa/journal/ViewPaper.aspx?id=305209
Rahmani Nowruz Abad, S., & Mohammadi, E. (2019). The consequences of financial literacy on investment decisions and investment performance. Financial Knowledge of Securities Analysis, 12(41), 113-123. https://jfksa.srbiau.ac.ir/article_13981_38823 55f26f744bab9098a797a780a84.pdf
Roshandel, A., Amiri, H., & Toghyani, M. (2018). Financial literacy and the need to measure it in the new education system-Case Study of Shahreza city. Journal of New Educational Approaches, 13(1), 67-86. https://nea.ui.ac.ir/article_23349_5b593f24 b40a9ee18091ca9febfb4a21.pdf
Samelar, S., Rozi Jokor Abbasloo, F., & Rozijoo, R. (2015, December 29). The role of teachers in students' economic education. National Conference on Applied Research in Educational Sciences and Psychology and Social Injuries in Iran, Tehran, Iran. https://civilica.com/doc/ 438511/
Shen, C-H., Lin, Sh-J., Tang, D-P., & Hsiao, Y-J. (2016). The relationship between financial disputes and financial literacy. Pacific-Basin Finance Journal, 36, 46-65. https://doi .org/10.1016/j.pacfin.2015.11.002
Shirazian, Z. (2018). Investigation Effect of Financial Literacy and Money Management on Personal Financial Management of Tehran stock exchange investors. Financial Knowledge of Securities Analysis, 11(38), 145-163. https://jfksa.srbiau.ac.ir/article_ 12562.html
Shirzadi, A. (2018, March 12). Types of literacy from the perspective of UNESCO. The Educational Research and Planning Organization.
Yaghoubnejad, A., Nikomram, H., & Moinuddin, M. (2011). Presenting a Model for Measuring the Financial Literacy of Iranian Students Using the Fuzzy Delphi Method. Journal of Financial Engineering and Securities Management, 2(8), 1-49. http://fej.iauctb.ac.ir/articl e_511752.html
فصلنامه علمی کارافن
دوره 17، شماره 3 - شماره پیاپی 49
مدیریت و کارآفرینی
آذر 1399
صفحه 265-283

فایل ها

سابقه مقاله

  • تاریخ دریافت: 22 تیر 1399
  • تاریخ بازنگری: 17 آذر 1399
  • تاریخ پذیرش: 19 آذر 1399

هم رسانی

ارجاع به این مقاله

آمار