جستجوی مقالات مرتبط با کلیدواژه "financial literacy" در نشریات گروه "مالی"

Abstract This article analyzes and illustrates the state of the scientific production of financial literacy, knowledge, and customer experience in the context of the capital market based on scientometric techniques, articles indexed in the Web of Science database between the period of 1977-2022 and the discovery of research gaps. The current research is of a descriptive and applied type, which was conducted using co-occurrence analysis of words. The statistical population of this study comprises scientific articles in the fields of financial literacy and customer experience. A total of 789 articles were selected from two areas close to business management and business finance, and the data were analyzed using VOSviewer software. The most and most frequent words "financial literacy" and "behavior" which are the results of co-occurrence of words and are related to the word "investment"; Seven thematic clusters were also identified: the experience of the financial crisis of COVID-19, financial literacy and investor behavior, asset management, customer satisfaction and experience of services, financial education and knowledge, retirement economy, strategic plan and development of financial education. Keywords: Financial literacy, financial knowledge, customer experience, capital market, scientometrics

This study investigated the impact of financial education on the saving decisions of members in the microfinance funds of Aseman Project operated by Barkat Foundation. Specifically, it examined how fund membership affects individuals' financial knowledge and attitudes and how these in turn influence the quality of their saving behaviors. The research data were collected through structured interviews and analyzed using the Partial Least Squares-Structural Equation Modeling (PLS-SEM) technique. The findings indicated that financial knowledge had a significant positive effect on saving attitudes and behaviors. Membership in the microfinance funds was found to positively influence the participants' levels of financial knowledge and attitudes, but did not have a direct significant effect on their saving behaviors. This suggested the training provided by the microfinance institution impacted knowledge and attitudes, but did not lead to visible changes in saving behaviors and, consequently, poverty alleviation. While financial literacy is typically viewed as formal training provided to individuals, this study highlighted how membership in financial support programs could also shape financial knowledge and decision-making. This often overlooked pathway deserves greater attention in financial education research and practice.

  In general, financial literacy is the ability to effectively understand and apply various financial skills, including budgeting for money management and investment, which leads to self-sufficiency in financial principles and ultimately leads to improved financial life. Accordingly, the main purpose of this study can be considered the effect of financial literacy on the intention to invest in the stock market by considering the tendencies and behavioral controls of investors and emphasizing ethical and subjective norms in the Tehran Stock Exchange.The statistical method used for the data analysis is the Structural Equation Model. According to the research questionnaire, the sample size of the research is 125 to 375, which 310 questionnaires were collected and analyzed. The results show that the financial literacy of the investors are meaningfully effective on the tendency of the investor in the stock market. Furthermore, the moral norms of the person also affect the intention of investment.: On the other hand, financial institutions and stock exchanges, considering the issues raised in this study, can consider the rational and irrational reaction of investors, based on financial literacy and emotions along with the source of risk, so that they can make recommendations and instructions

Saving, emphasized in Islamic lifestyle, influences the success of individuals, households and society. This research, therefore, studies the factors affecting the saving behavior of the college youth with an Islamic approach. The methodology is descriptive and exploratory and in terms of target, it is functional. The population of this study was administration and economics students selected through convenience sampling. The research instrument was a questionnaire the validity of which was confirmed by a panel of experts. In order to evaluate the construct validity (including convergent and discriminant ones) and the reliability of the research instrument (composite reliability and average variance extracted) and to estimate the research measurement model, exploratory and confirmatory factor analyses have been used. Also, partial least squares structural equation modeling was used to test the hypotheses. According to the research results, with the exception of the variable of peer influence, the other variables (financial literacy, parental socialization and self-control) have a positive and significant effect on students' saving behavior. The financial literacy variable was the only variable that mediated the relationship between other independent variables and the saving pattern. In addition, demographic variables such as gender, age, education, field of study, type of university, marital status and employment are also considered as moderating variables in the results analysis. For example, the saving patterns of male and female students are different.

 Considering the importance of capital market as a source of financing for Iranian industries in this research, it is attempted to identify, classify and model factors affecting investors' behavior in Iranian capital market using qualitative research method. Accordingly, by interviewing thirty senior experts, 16 key themes were identified based on a paradigm model and structured in six dimensions: motivation, personality, and attitude as "causal conditions"., Media as "interventionist", self-esteem, social status, and financial literacy as "context", social interactions, mental accounting, business intelligence, emotional intelligence, foresight and risk tolerance as "interactive dimension", behavior Investors as the "pivotal phenomenon" and the amount of market investment and capital market performance as the "consequence dimension". The quantitative part of the model was tested by structural equation modeling and the status of the variables was tested by one sample t-test. The capital market is inappropriate. It also found that financial literacy, business intelligence, and futures were the most important factors influencing investor behavior.

Given the dynamic changes in economic environments, especially in the area of financial markets, which are particularly complex, improving the financial knowledge of investors as a subset of financial literacy, seems a necessity so that investors can make decisions that are more informed. This clearly highlights the need for analysis and research in this area and analysis of the issue of financial literacy. Therefore, the main issue in this study is how to measure the financial literacy of micro-investors in Iran and what is the local pattern of development of financial literacy of micro-investors in Iran? To this end, a comprehensive model is designed to integrate knowledge, behavior, and financial attitudes. In this regard, in the present study, the qualitative research approach has been used, which in the qualitative method has used the data theory method or grounded theory. In order to analyze the qualitative data, the continuous comparison method has been used during the three stages of open, axial and selective coding. Qualitative findings are analyzed and finally after the above results; Financial literacy assessment model based on criteria 1) attitude; 2) financial knowledge and understanding; 3) skills; 4) training, information and security; 5) Individual general information was determined. Also, following the grounded theory approach, selective coding was done and the study hypotheses were developed based on the financial literacy paradigm model to test the factors affecting financial literacy that have been developed from a qualitative stage.

Financial literacy is the possession of skills and knowledge that allows an individual to make informed and effective decisions. In this regard, the purpose of the present study is to develop a model for financial literacy education in Iran using the Grounded Theory approach. The dominant paradigm of the present research is the interpretive and its required data were collected using semi-structured interviews and snowball sampling method. The research interviewees include accounting and financial experts and professors. The open coding method which is specific to the grounded theory approach was used to analyze the research data and conceptual, main and macro categories were extracted. Finally, financial literacy education model were presented including causal, structural, intervener factors as well as strategies for financial literacy education and the consequences of implementing the correct financial literacy education system. The research results shows the main topics that can be used for designing, developing and implementing financial literacy education program in Iran include general headlines, income and savings management, risk management and cost management.

This research has been designed and implemented to assess the level of financial literacy of workers and to examine the effect of demographic (demographic) characteristics on financial literacy and the effect of financial literacy and self-control on their over-indebtedness. The population of the research includes the personnel of Yazd Tire company and the sample consisted of 170 employees selected by random sampling using Cochran's formula that after distributing the questionnaires and referrals and repeated follow-ups of the researcher, 107 acceptable questionnaires were collected. This study is comprised of three main hypotheses tested using two independent samples t-test and analysis of variance (ANOVA). In examining the various hypotheses, the results indicate that the workers are generally financially low in literacy. But they are literate in some areas of financial literacy, including savings and savings, spending and borrowing, insurance, and retirement. Also, the effect of self-control on the over-indebtedness of consumers is negative or inverse. Finaly the financial literacy have a negative effect on over-indebtedness and positive effect on self-control in view of financial perspective.