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Development of a financial literacy model for university students

机译：建立大学生金融素养模型

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Purpose - The purpose of this paper is to build and compare models that assess university students' financial literacy. Financial literacy, understood as the mastery of a set of knowledge, attitudes and behaviors, has assumed a fundamental role in allowing and enabling people to make responsible decisions as they strive to attain financial wellbeing. To this end, models that integrate financial knowledge, behavior and attitude are integrated. The models are subsequently estimated, and many comparative tests are performed. Design/methodology/approach - The study investigated a random sample of 534 university students attending public and private universities in southern Brazil. The choice of scale was based on consideration of the best adjustment for the Brazilian context, appropriate translation and content validation. For an analysis of the collected data, structural equation modeling was employed using two strategies. Findings - The findings indicate that, in the model estimation stage, the scales for behavior and attitude have been reduced. Among all of the models estimated, the best adjusted model indicates that financial knowledge and financial attitude have positive impacts on financial behavior. Research limitations/implications - The results are not generalizable to the wider population; to enable such generalization, different profiles should be researched using a larger sample. In practical terms, the financial behavior of Brazilian university students expresses the ability to establish long-term aims and saving aimed at future acquisitions and unexpected spending. This behavior is directly influenced by basic and advanced questions of financial knowledge and also by the importance attributed to attitude by establishing aims, control of spending and financial reserves. Originality/value - This paper describes a pioneer study with respect to modeling financial literacy in Brazil. This topic can be improved as the need for rigorous evaluation of financial literacy grows at the same speed as the creation of more complex financial products.
机译：目的-本文的目的是建立和比较评估大学生金融素养的模型。金融素养被理解为对一系列知识，态度和行为的掌握，在使人们努力实现财务福祉的过程中，使他们能够做出负责任的决定，起着基本作用。为此，整合了整合财务知识，行为和态度的模型。随后估计模型，并进行许多比较测试。设计/方法/方法-该研究随机抽取了巴西南部534名就读公立和私立大学的大学生样本。量表的选择是基于对巴西语境的最佳调整，适当的翻译和内容确认的考虑。为了分析收集的数据，使用了两种策略来进行结构方程建模。调查结果-调查结果表明，在模型估计阶段，行为和态度的标度已降低。在所有估计的模型中，最佳调整的模型表明财务知识和财务态度对财务行为有积极影响。研究局限/含义-结果无法推广到更广泛的人群；为了实现这种概括，应该使用更大的样本来研究不同的配置文件。实际上，巴西大学生的财务行为表示能够建立长期目标并为将来的收购和意外支出提供储蓄。这种行为直接受到财务知识的基本和高级问题的影响，也受到建立目标，控制支出和财务储备的态度所赋予的重要性的影响。原创性/价值-本文介绍了一项有关在巴西建立金融知识模型的先驱研究。随着对金融素养进行严格评估的需求与创建更复杂的金融产品的速度相同的增长，可以改进此主题。

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