Ozra Shadmehr; Maryam Hafezian
Abstract
Purpose: Maternal financial literacy in children's lifestyle and academic achievement in the family can be one of the effective variables, so the present study was conducted to determine the effect of mothers' financial literacy on children's lifestyle and academic achievement.Methodology: The present ...
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Purpose: Maternal financial literacy in children's lifestyle and academic achievement in the family can be one of the effective variables, so the present study was conducted to determine the effect of mothers' financial literacy on children's lifestyle and academic achievement.Methodology: The present study was applied in terms of purpose and methodology in the category of descriptive correlational research. The statistical population of the study was all 6700 first grade female high school students in Bojnourd and their mothers in the academic year 2021-2022, of which 363 were students and their mothers were in clusters according to Morgan's table. Step by step samples were selected. Data collection tools were three questionnaires: financial literacy of Yaghoubnejad et al. (2011), Miller and Smith lifestyle (1988) and Pham and Taylor (1994) academic achievement. After confirmation of validity by experts using Cronbach's alpha coefficient, the reliability of the questionnaires was calculated to be 0.98, 0.93 and 0.95, respectively. To analyze the data, structural equation modeling was analyzed using SPSS 24 and Smart PLS 2 software.Findings: Factor analysis model fit indices have shown that the research measurement model has an acceptable fit. Accordingly, the findings showed that mothers' financial literacy had a positive and significant effect on children's lifestyle (0.464) and children's academic achievement (0.547). (p <0.01).Conclusion: Due to the significant effect of mothers' financial literacy on children's lifestyle and academic achievement, this factor can be used as an improvement in children's lifestyle and academic achievement.
Ali Haratian; Mohammad Piri
Abstract
Purpose: The financial decisions made by students during the student period have a great impact on their financial situation after graduating from university. Also, the financial position of students in the university can affect their academic performance and affect their ability to complete the university ...
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Purpose: The financial decisions made by students during the student period have a great impact on their financial situation after graduating from university. Also, the financial position of students in the university can affect their academic performance and affect their ability to complete the university course. This study sought to examine the knowledge, attitude and financial behavior in students' literacy.Methodology: This study was descriptive-correlational. The statistical population of this study was Malayer University students in three bachelors, masters and doctoral degrees in the academic year of 2018-19, of which 415 samples were selected by staged classification method. The data collection tool was a researcher-made questionnaire. Data analysis was performed using SPSS software at a significance level of 0.05 using Spearman correlation tests and logistic regression, UM Man Whitney and Croscalwalis.Findings: The results of the relationship between knowledge with financial attitude and attitude with financial behavior had a positive correlation and these dimensions have a direct effect on the level of students' financial literacy. The influence of gender was also confirmed as a factor of differentiation in the level of literacy and in the dimensions of students' knowledge and financial behavior (P <0.001).Conclusion: Based on the results, there is a positive correlation between knowledge and attitude, as well as attitude and behavior, but there was no correlation between knowledge and financial behavior. These results suggest that financial knowledge alone cannot improve students' financial behavior
