Investigating the effect of financial socialization on financial outcomes (case study: citizens of Yazd city)
One of the main goals of many people's lives is to achieve a level of stability and prosperity in life, and financial components have a high priority and value in this field due to their influence on various aspects of a person's life. The society in which people live and includes family and friends and even interactions in social media in acquiring their knowledge, skills and financial capabilities, which is a prerequisite for correct financial behavior. and the realization of financial well-being are considered to play an important role. However; Many people have faced major challenges due to not adopting the right financial behaviors and decisions in their current and future lives, which can be a result of not having the right financial knowledge and information. Accordingly; The purpose of this research is to examine the effect of financial socialization on financial outcomes such as financial literacy (knowledge, skills, financial self-efficacy), financial well-being and financial behavior. This research is applied in terms of purpose, and in terms of its nature and method, it is a descriptive, correlational research in the form of a survey with a library-field approach. The statistical population of this research included the citizens of Yazd city, 289 of whom participated in this research based on the rule of 5 times the number of parameters of the questionnaire and with the available sampling method. The research tool for data collection was a standard questionnaire taken from reliable sources, the validity of which was confirmed according to the opinion of the supervisor and the consultant, and its reliability was confirmed by calculating Cronbach's alpha. Data analysis was done using SPSS22 software and hypothesis testing was done with structural equation modeling technique and AMOS software. The findings of this research show that financial socialization does not have a significant effect on financial behavior and financial well-being. Financial socialization has a significant and positive relationship with financial knowledge, financial skill and financial self-efficacy. Financial knowledge, financial skill and financial self-efficacy have a significant and positive relationship with financial behavior. Financial knowledge, financial skill and financial self-efficacy have no significant relationship with financial well-being. Financial behavior has a positive and significant effect on financial well-being.
- حق عضویت دریافتی صرف حمایت از نشریات عضو و نگهداری، تکمیل و توسعه مگیران میشود.
- پرداخت حق اشتراک و دانلود مقالات اجازه بازنشر آن در سایر رسانههای چاپی و دیجیتال را به کاربر نمیدهد.