نوع مقاله : مقاله علمی - پژوهشی
نویسندگان
1 دانشجوی دکترا، گروه آموزشی علوم تربیتی، دانشگاه ارومیه، ارومیه، ایران.
2 گروه علوم تربیتی، دانشگاه ارومیه، ارومیه، ایران.
3 گروه علوم تربیتی دانشگاه ارومیه، ارومیه، ایران
4 استاد گروه اقتصاد دانشگاه ارومیه،
چکیده
سواد مالی و درک مفاهیم آن برای دانشجویان اهمیت ویژه‌ای دارد زیرا تصمیمات رفتاری و مالی اتخاذشده توسط آن‌ها تأثیر به سزایی بر وضعیت مالی و شغلی آنان در آینده خواهد داشت. بر این اساس، هدف پژوهش حاضر بررسی رابطه علی آموزش اقتصاد با سواد مالی، مهارت‌های تصمیم‌گیری و قصد کارآفرینی دانشجویان است. پژوهش حاضر از لحاظ هدف کاربردی، با توجه به نحوه گردآوری داده‌ها توصیفی- همبستگی مبتنی بر مدل‌یابی معادلات ساختاری است. جامعه آماری مورد مطالعه دانشجویان دانشکده فنی و مهندسی دانشگاه ارومیه به تعداد 2733 نفر است که به روش نمونه‌گیری تصادفی طبقه‌ای، 338 نفر انتخاب شدند. ابزار جمع‌آوری داده‌های پژوهش پرسش‌نامه است و برای تجزیه و تحلیل داده‌ها ابتدا شاخص‌های متغیرهای پژوهش به روش تحلیل تناظر چندگانه به وسیله نرم‌افزار XLSTAT 2019 محاسبه و سپس مدل مورد نظر با استفاده نرم‌افزار Stata 17 برآورد شد. یافته‌های پژوهش نشان داد که آموزش اقتصاد بر سواد مالی دانشجویان تأثیر مثبت و معناداری داشته و آموزش اقتصاد از طریق سواد مالی بر مهارت‌های تصمیم‌گیری و قصد کارآفرینی دانشجویان تأثیر دارد. بنابراین به تصمیم‌گیرندگان آموزش عالی توصیه می‌شود که در برنامه درسی رشته‌های مهندسی، واحدهای درسی مرتبط با اقتصاد در نظر بگیرند و با آموزش سواد مالی، زمینه بهبود تصمیم‌گیری‌های مالی- اجتماعی دانشجویان و رشد اقتصادی و توسعه پایدار جامعه را فراهم آورند.
کلیدواژه‌ها
عنوان مقاله [English]
INVESTIGATING THE CAUSAL RELATIONSHIP BETWEEN CONOMICS EDUCATION AND FINANCIAL LITERACY, DECISION-MAKING SKILLS AND ENTREPRENEURIAL INTENTION OF STUDENTS
نویسندگان [English]
- Azizeh Pashaei 1
- Mohammad Hassani 2
- Behnaz Mohajeran 3
- kiumars Shahbazi 4
1 - Ph.D. Student, Department of Educational Sciences, Urmia University, Urmia, Iran.
2 Department of Educational Sciences, Urmia University, Urmia, Iran
3 Department of Educational Sciences, Urmia University, Urmia, Iran
4 Professor, Department of Economic Sciences, Urmia University, Urmia, Iran
چکیده [English]
Financial literacy and understanding its concepts is of particular importance for students; because the behavioral and financial decisions taken by them will have a significant impact on their financial and job status in the future. Based on this, the aim of the present study is to investigate the causal relationship between economics education and financial literacy, decision-making skills and entrepreneurial intention of students. In terms of purpose, the present research is applied, and according to the way of data collection, it is descriptive-correlational, based on structural equation modeling. The statistical population under study is 2733 students of technical and engineering faculty of Urmia University, of which 338 were selected by stratified random sampling. The research data collection tool is a questionnaire, and to analyze the data, firstly, the indicators of the research variables are calculated by the multiple correlation analysis method using the XLSTAT 2019 software, and then the desired model is estimated using the Stata 17 software. The findings of the research showed that economics education has a positive and significant effect on students’ financial literacy, and economics education through financial literacy has an effect on students’ decision-making skills and entrepreneurial intention. Therefore, higher education decision-makers are advised to consider economics-related course units in the curriculum of engineering courses, and by teaching financial literacy, provide the basis for improving students’ financial-social decision-making and economic growth and sustainable development of society.
کلیدواژه‌ها [English]
- Economics education
- financial literacy
- decision making
- entrepreneurial intention
- socio-economic status
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