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Assessment of university students financial management skills and educational needs

机译：评估大学生的财务管理技能和教育需求

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The main aim of this study is to assess university students’ financial management skills and financial education needs. Data were collected among Malaysian public and private university students. Samples were selected using multi stage stratified sampling techniques. A total of 11 universities were randomly selected for the study and 350 questionnaires (300 for in campus and 50 for off-campus students) were distributed to students through the student affairs divisions of the respective universities. Perceived financial management skills were measured using a 5-point Likert scale from 1 (no skill at all) to 5 (very skilful) on 11 management related items: daily expenses, debt, future needs, time, savings, use of education loan, social interaction, stress, decision making, problem solving and career planning. The scores for the financial management skills were computed and the results revealed significant differences in the mean score among ethnic groups, with Chinese students scoring the lowest compared to other ethnic groups; public university students were perceived to have higher financial management skills compared to private university students; however, there was no gender difference in the score. Concerning the financial education needs, students indicated that they needed training related to career planning.
机译：这项研究的主要目的是评估大学生的财务管理技能和财务教育需求。数据是在马来西亚公立和私立大学学生中收集的。使用多阶段分层抽样技术选择样本。总共随机选择了11所大学进行研究，并通过各自大学的学生事务部向学生分发了350份问卷（校园300份，校园外50份）。在11个与管理相关的项目上，使用从1（完全没有技能）到5（非常熟练）的5点李克特量表来衡量所感知的财务管理技能：日常支出，债务，未来需求，时间，储蓄，教育贷款的使用，社交互动，压力，决策，问题解决和职业规划。计算财务管理技能得分，结果显示各族裔之间的平均得分存在显着差异，与其他族裔相比，中国学生的得分最低;与私立大学学生相比，公立大学学生被认为具有更高的财务管理技能;但是，分数没有性别差异。关于金融教育需求，学生表示他们需要与职业规划有关的培训。

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