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Demographic and socio-economic differences in financial information literacy among university students

机译：大学生金融信息素养的人口与社会经济差异

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摘要

Financial information literacy helps to manage earnings, especially among those students who study non-commerce subjects. Thus, this study attempts to explore the differences in such literacy through their demographic and socioeconomic characteristics. A well-structured instrument was used to gather data from 382 non-commerce students in universities in Pakistan using a multi stage sampling technique. Analyses were conducted through percentage of correct response technique and group comparisons. The findings indicate an average level of financial knowledge among university students. The demographic differences reveal that most of the students are male, graduate, with age above 26, enrolled in a private university, residing in dormitories, and score higher in academic subjects are more financially literate. While the socioeconomic differences indicate that those students who follow family advice, study minor finance courses, maintain a bank account, and have higher parental income are more knowledgeable about finance. The study recommends arranging awareness sessions to impart financial knowledge to students.
机译：财务信息素养有助于管理收益，特别是在学习非商业科目的学生之间。因此，这项研究试图通过其人口和社会经济特征探索这种识字的差异。使用多级采样技术，使用了结构良好的仪器来收集巴基斯坦大学的382名非商务学生的数据。通过正确响应技术和群体比较进行分析。调查结果表明大学生的平均财务知识水平。人口统计差异表明，大多数学生都是男性，毕业生，年龄超过26岁，纳入私立大学，居住在宿舍，学术科目的得分更高，更加经济上。虽然社会经济差异表明，遵循家庭建议的那些学生，研究轻微金融课程，维护银行账户，并具有更高的父母收入更加了解财务。该研究建议安排认识会议，向学生推荐金融知识。

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