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The Study of Developing a Financial Literacy Scale for University Students in the Digital Era: Evidence From Inonu University
Abstract
Financial literacy, in its shortest definition, is the ability of individuals to use money rationally. Today, young individuals' infrastructure and kits are not enough to understand finance and make the right decisions in the modern financial world. It is extremely essential for young university students to have sufficient financial literacy in order to have a high tendency to consume and to be individuals who will go into business life in the near future. In this study, the authors conduct a scale study to measure the financial literacy levels of undergraduate students and its relation to the digital environment in the 2020-2021 academic year. The scale consists of three factors under the headings of financial information, financial prudence, and borrowing attitude, and 20 sub-items. In the study, the authors also compare the financial literacy variable with sociodemographic, socioeconomic, and descriptive variables by using t-test and ANOVA analysis. The findings show that there are no significant differences among undergraduate students.
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