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Exploring the relationship between financial behaviors and financial well-being of African American college students at one historically black institution

机译：在一家历史悠久的黑人机构中探索非洲裔美国大学生的财务行为与财务幸福之间的关系

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College students are at an important time in their lives as they move from financial dependence to financial independence. Given this concern, motivating young adults to save is an important objective. Research on college students and their finances has focused on credit card use. The current study explored the relationship between financial social learning opportunities and financial behaviors of African American college students at one HBCU. Similar studies have been done at predominately white institutions and community colleges, but none examined 1890 historically black colleges.The current study drew from social theory to attempt to understand saving behavior. Bandura (1977) proposed that people can learn from others by observing and modeling their behaviors, attitudes, and emotional reactions. Survey data were used to determine the relationship between financial social learning opportunities and financial behaviors of college students focusing on three financial behaviors: budgeting, checking credit report, and saving. The instrument used to collect survey data was modified to include questions to identify African American demographics, and included several scales to measure the financial behaviors of college students. Descriptive and inferential statistical procedures were use to analyze the data.It is interesting to note that financial social learning opportunities were significantly related to financial behaviors of African American college students. This finding is consistent with previous studies that revealed a significant relationship between financial socialization factors and financial behaviors. A positive relationship was found between financial social learning opportunities and financial behavior. Specifically, the likelihood of African American college students\u27 saving was positively related to financial social learning opportunities including discussing finances with parents.This research has implications for future research as well as practice. Family and Consumer Sciences (FCS) may consider offering a course on financial management to provide students early in their college careers with the basic skills and tools necessary to become responsible financial consumers, and workshops to incoming students. Financial workshops may also be offered to parents as students tend to model their parents\u27 behavior. If parents are taught basic money management skills, they may also model good behavior for their children.
机译：从财务依赖到财务独立，大学生正处于人生中的重要时刻。考虑到这一点，激励年轻人储蓄是一个重要的目标。对大学生及其财务状况的研究集中在信用卡的使用上。当前的研究探讨了在一个HBCU上非裔美国大学生金融社会学习机会与金融行为之间的关系。在白人机构和社区大学中也进行了类似的研究，但没有人对1890年的黑人大学进行过审查。当前的研究是从社会理论出发，试图理解储蓄行为。班杜拉（Bandura（1977）提出，人们可以通过观察和建模自己的行为，态度和情绪反应来向他人学习。调查数据用于确定财务社会学习机会与大学生财务行为之间的关系，重点是三种财务行为：预算编制，检查信用报告和储蓄。对用于收集调查数据的工具进行了修改，以包含一些问题以识别非裔美国人的人口统计信息，并包括了多种量表来衡量大学生的财务行为。数据采用描述性和推论性统计程序进行分析。有趣的是，金融社会学习机会与非裔美国大学生的金融行为显着相关。这一发现与先前的研究一致，后者揭示了金融社会化因素与金融行为之间的显着关系。发现金融社会学习机会与金融行为之间存在正相关关系。具体而言，非洲裔美国大学生储蓄的可能性与金融社会学习机会（包括与父母讨论金融）呈正相关。该研究对未来的研究和实践都有启示。家庭和消费者科学（FCS）可能会考虑开设财务管理课程，为学生在大学职业生涯的早期阶段提供成为负责任的金融消费者所必需的基本技能和工具，并为新生提供工作坊。由于学生倾向于模仿父母的行为，因此也可能为父母提供金融讲习班。如果父母被教会了基本的理财技巧，他们也可以为孩子树立良好的行为习惯。

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    Fluellen, Vivian Mason;

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  • 年度 2013
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  • 正文语种 en
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