Araştırma Makalesi
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Üniversite Öğrencilerinin Yatırım Davranışlarını Etkileyen Faktörlerin Bir Yapısal Model ile Araştırılması

Yıl 2023, Cilt: 24 Sayı: 3, 708 - 722, 04.12.2023

Hüseyin Gürbüz Veysel Yılmaz

https://doi.org/10.17494/ogusbd.1334492

Öz

Bireylerin gelecekte ekonomik refah içinde olabilmeleri için finansal becerilere sahip olmaları zorunlu hale gelmiştir. Bunu gerçekleştirmek için de paranın yönetimi ve yatırıma dönüştürülmesi hakkında sahip olunan bilgi düzeyi çok önemlidir. Çalışmada, üniversite öğrencilerin yatırım davranışlarına (IB- Investment behaviour), finansal okuryazarlık (FL- Financial literacy), öz kontrol (SC- Self-control) ve akran etkisi (PI- Peer-influence) önerilen bir yapısal modelle incelenmiştir. Çalışmanın örneklemi, Eskişehir Osmangazi Üniversitesi (ESOGÜ) İİBF öğrenim gören 461 katılımcıyı içermektedir. Çalışmada model uyumu ve hipotez testlerinde kısmi en küçük kareler yapısal eşitlik modellemesi (PLS-SEM) kullanılmıştır. Analiz sonucunda önerilen araştırma modelinin uyumlu olduğu belirlenmiştir. Finansal okuryazarlık ve akran etkisi, yatırımı davranışını olumlu yönde açıklarken, öz kontrol ise yatırım davranışını olumsuz yönde etkilemiştir.

Anahtar Kelimeler

Yatırım Davranışı Akran Etkisi Finansal Okuryazarlık Üniversite Öğrencileri Kısmi En Küçük Kareler Yapısal Eşitlik Modellemesi

Kaynakça

  • Ali, M., A., S., Ammer, M., A., and Elshaer, I., A., (2022). Determinants of Investment Awareness: A Moderating Structural Equation Modeling-Based Model in the Saudi Arabian Context. Mathematics, 10 (3829), 1-18.
  • Alekam, J. M. E., Salleh, M. S., Bt Md., and Mokhtar, S., S., bin M. (2018). The Effect of Family, Peer, Behavior, Saving and Spending Behavior on Financial Literacy among Young Generations. International Journal of Organizational Leadership, 7,309-323.
  • Alshebami, A.S.; Aldhyani,T.H.H. (2022). The Interplay of Social Influence, Financial Literacy, and Saving Behaviour among Saudi Youth and the Moderating Effect of Self-Control. Sustainability, 14, 8780. https://doi.org/10.3390/su14148780
  • Ariffin, M., R., Sulong, Z. and Abdullah, A. (2017). Otudents’ Perception Towards Financial Literacy and Saving Behaviour. World Applied Sciences Journal, 35(10),2194-2201.
  • Ateş, S. (2014). Finansal okuryazarlık ve davranışsal önyargılar: Bireysel hisse senedi yatırımcısı üzerine ampirik bir çalışma. (Yüksek Lisans Yüksek Lisans Tezi). Galatasaray Üniversitesi İstanbul.
  • Aydın, S. ve Sumer S. (2023). Bireysel Yatırımcıların Öz-Kontrolleri İle Finansal Güvenlikleri Arasındaki İlişkiye Finansal Okuryazarlığın Düzenleyici Rolü: Borsa İstanbul Üzerine Kanıtlar. Muhasebe ve Finansman Dergisi, 98, 141-154.
  • Ayuningsih, D. L., and Dewi, A. S., (2023). Analysis of Social Influence, Financial Literacy, and Saving Behaviour on Students in Bandung City Using Self-Control as a Moderation Variable. Jurnal Ekonomi, 12(3), ISSN: 2301-6280 (print) ISSN: 2721-9879.
  • Azizah, U. S. A. and Mulyono, H. (2020). Dataset on determinants of intention and investment behaviour amongst young Indonesian millennials,.Data in Brief, 32, No: 106083,. https://doi.org/10.1016/j.dib.2020.106083
  • Bandura, A. and Walters, R.H. (1977). Social Learning Theory, Prentice Hall, Englewood cliffs, NJ, Vol. 1.
  • Bhatia, S., Chawla, D. and Singh, S. (2021). Determinants of financial literacy of young adults: testing the influence of parents and socio-demographic variables. Int. J. Indian Culture and Business Management, 22(2), 256-271.
  • Chawla, D., Bhatia S. and Singh S. (2022). Parental influence, financial literacy and investment behaviour of young adults. Journal of Indian Business Research, 14(2),520-539.
  • Chen, H. and Volpe, R.P. (1998). An analysis of personal financial literacy among college students. Financial Services Review, 7(2), 107–128.
  • Chu, Z., Wang, Z., Xiao, J.J. and Zhang, W. (2017). Financial literacy, portfolio choice and financial well-being. Social Indicators Research, 132(2), 799–820.
  • Cude, B.J., Lawrence, F.C., Lyons, A.C., Metzger, K., LeJeune, E., Marks, L. and Machtmes, K. (2006). College students and financial literacy: what they know and what we need to learn. Eastern Family Economics and Resource Management Association Conference Proceedings, 102–109, 23–25 February, Knoxville, TN.
  • Danes, S.M. and Haberman, H.R. (2007) Teen financial knowledge, self-efficacy, and behavior: a gendered view. Journal of Financial Counseling and Planning, 18(2), .48–60.
  • Erbaş, C., N., ve Yıldırım, D., (2021). Bireysel Yatırımcıların Davranışsal Yanlılıkları ve Finansal Okuryazarlık İlişkisi: Samsun İli Örneği. Bingöl Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi, 5(2), 315-341.
  • Fornell, C., Larcker, D.F., (1981). Structural equation models with unobservable variables and measurement error: algebra and statistics. Journal of Marketing Research,18(3), 382–388. https://doi.org/10.1177%2F002224378101800313
  • Gathergood, J., and Weber, J. (2014). Self-control, financial literacy & the Co-holding puzzle. Journal of Economic Behavior & Organization, 107(Part B), 455–469. https://doi.org/1 0. 2139/s srn.2 005031
  • Goetz, J. W., Durband, D. B., Halley, R. E., and Davis, K. (2011). A Peer-Based Financial Planning & Education Service Program: An Innovative Pedagogic Approach. Journal of College Teaching and Learning (TLC), 8(4), 7-14. https://doi.org/10.19030/tlc.v8i4.4195
  • Guiso, L. and Jappelli, T. (2008). Financial literacy and portfolio diversification, CSEF Working Papers, No. 212, Centre for Studies in Economics and Finance, Naples, Italy.
  • Gürbüz, H. ve Yılmaz, V. (2023). Üniversite Öğrencilerinin Yatırım Davranışları: Bir Yapısal Model Önerisi, 3rd Internatıonal Black Sea Modern Scıentıfıc Research Congress: 1387-1393.
  • Hair, J. F., Hult, G. T. M., Ringle, C. M., Sarstedt, M., and Thiele, K. O. (2017). Mirror, mirror on the wall: a comparative evaluation of compositebased structural equation modeling methods. Journal of the Academy of Marketing Science, 45(5), 616–632. https://doi.org/10.1007/ s11747-017-0517-x
  • Hair, J., Hult, T., Ringle, C., and Sarstedt, M. (2014). A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM). Thousand Oaks, CA: Sage Publications, Inc.
  • Hsiao, Y.J. and Tsai, W.C. (2018). Financial literacy and participation in the derivatives markets. Journal of Banking and Finance, 88, No. C, 15–29.
  • Henseler, J., Ringle, C. M., and Sarstedt, M. (2015). A new criterion for assessing discriminant validity in variance-based structural equation modeling. Journal of the Academy of Marketing Science, 43(1), 115–135. https://doi.org/10.1007/s11747-014-0403-8
  • Hsiao, Y.J. and Tsai, W.C. (2018). Financial literacy and participation in the derivatives markets. Journal of Banking and Finance, 88, No. C, 15–29.
  • Huston, S.J. (2010). Measuring financial literacy. The Journal of Consumer Affairs, 44(2), 296–316.
  • Kassim, A. A. Md., Nejad, M., Y., Othman, J., Mamat, S., Saad, A., M., and Izwan, I., D., M., (2022). Determinants of Money Management Behavior among Malaysian Private Universities Students. International Journal of Business and Applied Social Science, 8(8), 10-18.
  • Kimiyaghalam, F. and Yap, S. (2017). Level of financial literacy in Malaysia, International Journal of Research, 4(7), 1065-1074.
  • López, S., F., González, S., C., Ares, L., R., Pazos, D., R., (2023), Self‑control and debt decisions relationship: evidence for different credit options. Current Psychology, https://doi.org/10.1007/s12144-023-04251-7
  • Lusardi, A. and Mitchell, O.S. (2007). Financial literacy and retirement preparedness: evidence and implications for financial education. Business Economics, 42(1), 35–44.
  • Lusardi, A., and Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. Journal of Economic Literature, 52(1), 5–44.
  • Lusardi, A., Mitchell, O.S., and Curto, V., (2010). Financial Literacy Among the Young, Journal of Consumer Affairs, 44(2), 358-380.
  • Mpaata, E., Koske, N., and Saina, E., (2023). Does self-control moderate financial literacy and savings behavior relationship? A case of micro and small enterprise owners. Current Psychology 42,10063–10076.
  • Nawi, H., M., Sapiai, N. S., Zulkefle, W., N., S., A., Yahaya, M., N., and Ismail, A., (2022), A Ringgit Saved Is a Ringgit Earned: Saving Habits among Malaysian Cadets. Proceedings Paper, 82(20), 1-11.
  • Pinto, M.B., Parente, D.H. and Mansfield, P.M. (2005). Information learned from socialization agents: its relationship to credit card use. Family and Consumer Sciences Research Journal, 33(4), 357-367.
  • Podsakoff, P. M., MacKenzie, S. B., Lee, J.-Y., and Podsakoff, N. P. (2003). Common method biases in behavioral research: A critical review of the literature and recommended remedies. Journal of Applied Psychology, 88(5), 879-903. https://doi.org/10.1037/0021-9010.88.5.879
  • Putri, D. N., and Wijaya, C., (2020). Analysis of Parental Influence, Peer Influence, and Media Influence Towards Financial Literacy at University of Indonesia Students. International Journal of Humanities and Social Science, 7(2), 66-73.
  • Sallie, N., (2015). The impact of socialisation factors on financial literacy and financial security amongst employees in the financial services industry. University of Pretoria.
  • Shim, S., Barber, B.L., Card, N.A., Xiao, J.J. and Serido, J. (2010). Financial socialization of first-year college students: the roles of parents, work, and education. Journal of Youth and Adolescence, 39(123),1457-1470.
  • Shim, S., Serido, J., Tang, C., and Card, N. (2015). Socialisation processes and pathways to healty financial development for emerging young adults. Journal of Applied Developmental Psychology, 38, 29-38.
  • Soroukou, C.F. and Weissbrod, C.S. (2005). Men and women’s attachment and contact patterns with parents during the first year of college. Journal of Youth and Adolescence, 34,. 221-228.
  • Tenenhaus, M., Amato, S., & Esposito Vinzi, V. (2004). A global goodness-of-fit index for PLS structural equation modeling. In: Proceedings of the XLII SIS Scientifc Meeting. Padova: CLEUP, pp. 739–742.
  • Thaler, R. H., and Benartzi, S. (2004). Save more tomorrow™: Using behavioral economics to increase employee saving. Journal of Political Economy, 112(S1), 164–187. https://doi.org/10.1086/ 380085
  • Van Rooij, M., Lusardi, A. and Alessie, R. (2011a). Financial literacy and stock market participation. Journal of Financial Economics, 101(2).449–472.
  • Van Rooij, M.C., Lusardi, A. and Alessie, R.J. (2011b). Financial literacy and retirement planning in the Netherlands. Journal of Economic Psychology, 32(4), 593–608.
  • Van Rooij, M.C., Lusardi, A. and Alessie, R.J. (2012). Financial literacy, retirement planning and household wealth. The Economic Journal, 122(560), 449–478.
  • Von Gaudecker, H.M. (2015). How does household portfolio diversification vary with financial literacy and financial advice?. The Journal of Finance, 70(2), 489–507.
  • Webley, P. and Nyhus, E.K. (2006). Parents’ influence on children’s future orientation and saving. Journal of Economic Psychology, 27(1), 140-164.
  • Wetzels, M., Odekerken-Schroder, G., & van Oppen, C. (2009). Using PLS path modeling for assessing hierarchical construct models: Guidelines and empirical illustration. MIS Quarterly, 3(1), 177–196. https://doi. org/10.2307/20650284
  • Younas, W., Javed, T., Kalimuthu, R. Farooq, M., R, K.-ur. F., Raju, V., (2019). Impact of Self-Control, Financial Literacy and Financial Behavior on Financial Well-Being. The Journal of Social Sciences Research, 5(1), pp. 211-218.
  • Zhao, J., Meng, G., Sun, Y., Xu, Y., Geng, J., and Han, L., (2021). The relationship between self-control and procrastination based on the self-regulation theory perspective: The moderated mediation model. Current Psychology, 40(10), 5076–5086. https://doi.org/10. 1007/ s12144- 019- 00442-3.

Investigation of the Factors Affecting the Investment Behavior of University Students with a Structural Model

Yıl 2023, Cilt: 24 Sayı: 3, 708 - 722, 04.12.2023

Hüseyin Gürbüz Veysel Yılmaz

https://doi.org/10.17494/ogusbd.1334492

Öz

It has become imperative for individuals to have financial skills in order to be in economic prosperity in the future. In order to achieve this, the level of knowledge about the management and investment of money is very important. In the study, university students' investment behavior (IB- Investment behaviour), financial literacy (FL- Financial literacy), self-control (SC- Self-control) and peer influence (PI- Peer-influence) were examined with a proposed structural model. The sample of the study includes 461 participants studying at Eskişehir Osmangazi University (ESOGÜ) Faculty of Economics and Administrative Sciences.. In the study, partial least squares structural equation modeling (PLS-SEM) was used for model fit and hypothesis testing. As a result of the analysis, it was determined that the proposed research model was compatible. While financial literacy and peer influence explained the investment behavior positively, self-control negatively affected the investment behavior.

Anahtar Kelimeler

Investment Behavior Peer Influence Financial Literacy University Students Partial Least Squares Structural Equation Modelling (PLS-SEM).

Kaynakça

  • Ali, M., A., S., Ammer, M., A., and Elshaer, I., A., (2022). Determinants of Investment Awareness: A Moderating Structural Equation Modeling-Based Model in the Saudi Arabian Context. Mathematics, 10 (3829), 1-18.
  • Alekam, J. M. E., Salleh, M. S., Bt Md., and Mokhtar, S., S., bin M. (2018). The Effect of Family, Peer, Behavior, Saving and Spending Behavior on Financial Literacy among Young Generations. International Journal of Organizational Leadership, 7,309-323.
  • Alshebami, A.S.; Aldhyani,T.H.H. (2022). The Interplay of Social Influence, Financial Literacy, and Saving Behaviour among Saudi Youth and the Moderating Effect of Self-Control. Sustainability, 14, 8780. https://doi.org/10.3390/su14148780
  • Ariffin, M., R., Sulong, Z. and Abdullah, A. (2017). Otudents’ Perception Towards Financial Literacy and Saving Behaviour. World Applied Sciences Journal, 35(10),2194-2201.
  • Ateş, S. (2014). Finansal okuryazarlık ve davranışsal önyargılar: Bireysel hisse senedi yatırımcısı üzerine ampirik bir çalışma. (Yüksek Lisans Yüksek Lisans Tezi). Galatasaray Üniversitesi İstanbul.
  • Aydın, S. ve Sumer S. (2023). Bireysel Yatırımcıların Öz-Kontrolleri İle Finansal Güvenlikleri Arasındaki İlişkiye Finansal Okuryazarlığın Düzenleyici Rolü: Borsa İstanbul Üzerine Kanıtlar. Muhasebe ve Finansman Dergisi, 98, 141-154.
  • Ayuningsih, D. L., and Dewi, A. S., (2023). Analysis of Social Influence, Financial Literacy, and Saving Behaviour on Students in Bandung City Using Self-Control as a Moderation Variable. Jurnal Ekonomi, 12(3), ISSN: 2301-6280 (print) ISSN: 2721-9879.
  • Azizah, U. S. A. and Mulyono, H. (2020). Dataset on determinants of intention and investment behaviour amongst young Indonesian millennials,.Data in Brief, 32, No: 106083,. https://doi.org/10.1016/j.dib.2020.106083
  • Bandura, A. and Walters, R.H. (1977). Social Learning Theory, Prentice Hall, Englewood cliffs, NJ, Vol. 1.
  • Bhatia, S., Chawla, D. and Singh, S. (2021). Determinants of financial literacy of young adults: testing the influence of parents and socio-demographic variables. Int. J. Indian Culture and Business Management, 22(2), 256-271.
  • Chawla, D., Bhatia S. and Singh S. (2022). Parental influence, financial literacy and investment behaviour of young adults. Journal of Indian Business Research, 14(2),520-539.
  • Chen, H. and Volpe, R.P. (1998). An analysis of personal financial literacy among college students. Financial Services Review, 7(2), 107–128.
  • Chu, Z., Wang, Z., Xiao, J.J. and Zhang, W. (2017). Financial literacy, portfolio choice and financial well-being. Social Indicators Research, 132(2), 799–820.
  • Cude, B.J., Lawrence, F.C., Lyons, A.C., Metzger, K., LeJeune, E., Marks, L. and Machtmes, K. (2006). College students and financial literacy: what they know and what we need to learn. Eastern Family Economics and Resource Management Association Conference Proceedings, 102–109, 23–25 February, Knoxville, TN.
  • Danes, S.M. and Haberman, H.R. (2007) Teen financial knowledge, self-efficacy, and behavior: a gendered view. Journal of Financial Counseling and Planning, 18(2), .48–60.
  • Erbaş, C., N., ve Yıldırım, D., (2021). Bireysel Yatırımcıların Davranışsal Yanlılıkları ve Finansal Okuryazarlık İlişkisi: Samsun İli Örneği. Bingöl Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi, 5(2), 315-341.
  • Fornell, C., Larcker, D.F., (1981). Structural equation models with unobservable variables and measurement error: algebra and statistics. Journal of Marketing Research,18(3), 382–388. https://doi.org/10.1177%2F002224378101800313
  • Gathergood, J., and Weber, J. (2014). Self-control, financial literacy & the Co-holding puzzle. Journal of Economic Behavior & Organization, 107(Part B), 455–469. https://doi.org/1 0. 2139/s srn.2 005031
  • Goetz, J. W., Durband, D. B., Halley, R. E., and Davis, K. (2011). A Peer-Based Financial Planning & Education Service Program: An Innovative Pedagogic Approach. Journal of College Teaching and Learning (TLC), 8(4), 7-14. https://doi.org/10.19030/tlc.v8i4.4195
  • Guiso, L. and Jappelli, T. (2008). Financial literacy and portfolio diversification, CSEF Working Papers, No. 212, Centre for Studies in Economics and Finance, Naples, Italy.
  • Gürbüz, H. ve Yılmaz, V. (2023). Üniversite Öğrencilerinin Yatırım Davranışları: Bir Yapısal Model Önerisi, 3rd Internatıonal Black Sea Modern Scıentıfıc Research Congress: 1387-1393.
  • Hair, J. F., Hult, G. T. M., Ringle, C. M., Sarstedt, M., and Thiele, K. O. (2017). Mirror, mirror on the wall: a comparative evaluation of compositebased structural equation modeling methods. Journal of the Academy of Marketing Science, 45(5), 616–632. https://doi.org/10.1007/ s11747-017-0517-x
  • Hair, J., Hult, T., Ringle, C., and Sarstedt, M. (2014). A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM). Thousand Oaks, CA: Sage Publications, Inc.
  • Hsiao, Y.J. and Tsai, W.C. (2018). Financial literacy and participation in the derivatives markets. Journal of Banking and Finance, 88, No. C, 15–29.
  • Henseler, J., Ringle, C. M., and Sarstedt, M. (2015). A new criterion for assessing discriminant validity in variance-based structural equation modeling. Journal of the Academy of Marketing Science, 43(1), 115–135. https://doi.org/10.1007/s11747-014-0403-8
  • Hsiao, Y.J. and Tsai, W.C. (2018). Financial literacy and participation in the derivatives markets. Journal of Banking and Finance, 88, No. C, 15–29.
  • Huston, S.J. (2010). Measuring financial literacy. The Journal of Consumer Affairs, 44(2), 296–316.
  • Kassim, A. A. Md., Nejad, M., Y., Othman, J., Mamat, S., Saad, A., M., and Izwan, I., D., M., (2022). Determinants of Money Management Behavior among Malaysian Private Universities Students. International Journal of Business and Applied Social Science, 8(8), 10-18.
  • Kimiyaghalam, F. and Yap, S. (2017). Level of financial literacy in Malaysia, International Journal of Research, 4(7), 1065-1074.
  • López, S., F., González, S., C., Ares, L., R., Pazos, D., R., (2023), Self‑control and debt decisions relationship: evidence for different credit options. Current Psychology, https://doi.org/10.1007/s12144-023-04251-7
  • Lusardi, A. and Mitchell, O.S. (2007). Financial literacy and retirement preparedness: evidence and implications for financial education. Business Economics, 42(1), 35–44.
  • Lusardi, A., and Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. Journal of Economic Literature, 52(1), 5–44.
  • Lusardi, A., Mitchell, O.S., and Curto, V., (2010). Financial Literacy Among the Young, Journal of Consumer Affairs, 44(2), 358-380.
  • Mpaata, E., Koske, N., and Saina, E., (2023). Does self-control moderate financial literacy and savings behavior relationship? A case of micro and small enterprise owners. Current Psychology 42,10063–10076.
  • Nawi, H., M., Sapiai, N. S., Zulkefle, W., N., S., A., Yahaya, M., N., and Ismail, A., (2022), A Ringgit Saved Is a Ringgit Earned: Saving Habits among Malaysian Cadets. Proceedings Paper, 82(20), 1-11.
  • Pinto, M.B., Parente, D.H. and Mansfield, P.M. (2005). Information learned from socialization agents: its relationship to credit card use. Family and Consumer Sciences Research Journal, 33(4), 357-367.
  • Podsakoff, P. M., MacKenzie, S. B., Lee, J.-Y., and Podsakoff, N. P. (2003). Common method biases in behavioral research: A critical review of the literature and recommended remedies. Journal of Applied Psychology, 88(5), 879-903. https://doi.org/10.1037/0021-9010.88.5.879
  • Putri, D. N., and Wijaya, C., (2020). Analysis of Parental Influence, Peer Influence, and Media Influence Towards Financial Literacy at University of Indonesia Students. International Journal of Humanities and Social Science, 7(2), 66-73.
  • Sallie, N., (2015). The impact of socialisation factors on financial literacy and financial security amongst employees in the financial services industry. University of Pretoria.
  • Shim, S., Barber, B.L., Card, N.A., Xiao, J.J. and Serido, J. (2010). Financial socialization of first-year college students: the roles of parents, work, and education. Journal of Youth and Adolescence, 39(123),1457-1470.
  • Shim, S., Serido, J., Tang, C., and Card, N. (2015). Socialisation processes and pathways to healty financial development for emerging young adults. Journal of Applied Developmental Psychology, 38, 29-38.
  • Soroukou, C.F. and Weissbrod, C.S. (2005). Men and women’s attachment and contact patterns with parents during the first year of college. Journal of Youth and Adolescence, 34,. 221-228.
  • Tenenhaus, M., Amato, S., & Esposito Vinzi, V. (2004). A global goodness-of-fit index for PLS structural equation modeling. In: Proceedings of the XLII SIS Scientifc Meeting. Padova: CLEUP, pp. 739–742.
  • Thaler, R. H., and Benartzi, S. (2004). Save more tomorrow™: Using behavioral economics to increase employee saving. Journal of Political Economy, 112(S1), 164–187. https://doi.org/10.1086/ 380085
  • Van Rooij, M., Lusardi, A. and Alessie, R. (2011a). Financial literacy and stock market participation. Journal of Financial Economics, 101(2).449–472.
  • Van Rooij, M.C., Lusardi, A. and Alessie, R.J. (2011b). Financial literacy and retirement planning in the Netherlands. Journal of Economic Psychology, 32(4), 593–608.
  • Van Rooij, M.C., Lusardi, A. and Alessie, R.J. (2012). Financial literacy, retirement planning and household wealth. The Economic Journal, 122(560), 449–478.
  • Von Gaudecker, H.M. (2015). How does household portfolio diversification vary with financial literacy and financial advice?. The Journal of Finance, 70(2), 489–507.
  • Webley, P. and Nyhus, E.K. (2006). Parents’ influence on children’s future orientation and saving. Journal of Economic Psychology, 27(1), 140-164.
  • Wetzels, M., Odekerken-Schroder, G., & van Oppen, C. (2009). Using PLS path modeling for assessing hierarchical construct models: Guidelines and empirical illustration. MIS Quarterly, 3(1), 177–196. https://doi. org/10.2307/20650284
  • Younas, W., Javed, T., Kalimuthu, R. Farooq, M., R, K.-ur. F., Raju, V., (2019). Impact of Self-Control, Financial Literacy and Financial Behavior on Financial Well-Being. The Journal of Social Sciences Research, 5(1), pp. 211-218.
  • Zhao, J., Meng, G., Sun, Y., Xu, Y., Geng, J., and Han, L., (2021). The relationship between self-control and procrastination based on the self-regulation theory perspective: The moderated mediation model. Current Psychology, 40(10), 5076–5086. https://doi.org/10. 1007/ s12144- 019- 00442-3.
Toplam 52 adet kaynakça vardır.

Ayrıntılar

Birincil Dil Türkçe
Konular Ekonometrik ve İstatistiksel Yöntemler
Bölüm Makaleler
Yazarlar

Hüseyin Gürbüz 0000-0002-1085-9164

Veysel Yılmaz 0000-0001-5147-5047

Erken Görünüm Tarihi 18 Ekim 2023
Yayımlanma Tarihi 4 Aralık 2023
Gönderilme Tarihi 29 Temmuz 2023
Yayımlandığı Sayı Yıl 2023 Cilt: 24 Sayı: 3

Kaynak Göster

APA Gürbüz, H., & Yılmaz, V. (2023). Üniversite Öğrencilerinin Yatırım Davranışlarını Etkileyen Faktörlerin Bir Yapısal Model ile Araştırılması. Eskişehir Osmangazi Üniversitesi Sosyal Bilimler Dergisi, 24(3), 708-722. https://doi.org/10.17494/ogusbd.1334492
AMA Gürbüz H, Yılmaz V. Üniversite Öğrencilerinin Yatırım Davranışlarını Etkileyen Faktörlerin Bir Yapısal Model ile Araştırılması. Eskişehir Osmangazi Üniversitesi Sosyal Bilimler Dergisi. Aralık 2023;24(3):708-722. doi:10.17494/ogusbd.1334492
Chicago Gürbüz, Hüseyin, ve Veysel Yılmaz. “Üniversite Öğrencilerinin Yatırım Davranışlarını Etkileyen Faktörlerin Bir Yapısal Model Ile Araştırılması”. Eskişehir Osmangazi Üniversitesi Sosyal Bilimler Dergisi 24, sy. 3 (Aralık 2023): 708-22. https://doi.org/10.17494/ogusbd.1334492.
EndNote Gürbüz H, Yılmaz V (01 Aralık 2023) Üniversite Öğrencilerinin Yatırım Davranışlarını Etkileyen Faktörlerin Bir Yapısal Model ile Araştırılması. Eskişehir Osmangazi Üniversitesi Sosyal Bilimler Dergisi 24 3 708–722.
IEEE H. Gürbüz ve V. Yılmaz, “Üniversite Öğrencilerinin Yatırım Davranışlarını Etkileyen Faktörlerin Bir Yapısal Model ile Araştırılması”, Eskişehir Osmangazi Üniversitesi Sosyal Bilimler Dergisi, c. 24, sy. 3, ss. 708–722, 2023, doi: 10.17494/ogusbd.1334492.
ISNAD Gürbüz, Hüseyin - Yılmaz, Veysel. “Üniversite Öğrencilerinin Yatırım Davranışlarını Etkileyen Faktörlerin Bir Yapısal Model Ile Araştırılması”. Eskişehir Osmangazi Üniversitesi Sosyal Bilimler Dergisi 24/3 (Aralık 2023), 708-722. https://doi.org/10.17494/ogusbd.1334492.
JAMA Gürbüz H, Yılmaz V. Üniversite Öğrencilerinin Yatırım Davranışlarını Etkileyen Faktörlerin Bir Yapısal Model ile Araştırılması. Eskişehir Osmangazi Üniversitesi Sosyal Bilimler Dergisi. 2023;24:708–722.
MLA Gürbüz, Hüseyin ve Veysel Yılmaz. “Üniversite Öğrencilerinin Yatırım Davranışlarını Etkileyen Faktörlerin Bir Yapısal Model Ile Araştırılması”. Eskişehir Osmangazi Üniversitesi Sosyal Bilimler Dergisi, c. 24, sy. 3, 2023, ss. 708-22, doi:10.17494/ogusbd.1334492.
Vancouver Gürbüz H, Yılmaz V. Üniversite Öğrencilerinin Yatırım Davranışlarını Etkileyen Faktörlerin Bir Yapısal Model ile Araştırılması. Eskişehir Osmangazi Üniversitesi Sosyal Bilimler Dergisi. 2023;24(3):708-22.
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