The purpose of the study is to manifest university students' relationships with money not only in terms of their family financial socialization levels, but also in terms of their demographic and socio-economic characteristics. Moreover, in order to measure family financial socialization levels of university students, a new two-dimensional scale, which is composed of "financial experience and learning" and "money management skills", is developed. The study is crucial in that it is most likely to create positive financial behaviours between parents and students by means of developing informal education in family. Besides, the research is highly likely to become beneficial for creating new financial education programs in educational institutions particularly on the issues of money attitudes and financial socialization. As far as the cause and effect relationships are concerned, it is detected that students' worries about savings and financial literacy decreased inasmuch as their financial experiences and learning increased. In addition to this result, it is observed that students' mindful and responsible attitude increased in that their money management skills increased. Finally, it is ascertained significant differences between family financial socialization and demographic and socio-economic characteristics and also between money attitudes and demographic and socio-economic characteristics.
Financial distress is a multidimensional and complex subject. Financial distress has physical and physiological effects and harmful consequences for individuals and families, ranging from unpaid debts and deteriorating health to suicide. For this reason, it has been a widely researched subject by different branches of science such as finance, psychology, and sociology. In this study, financial distress was examined from a subjective point of view. The effect of financial distress on physical and psychological health, its effect on families and children, and the effect of social support and socio-economic status on financial distress were investigated. The role of financial capability and financial resilience in reducing financial distress was emphasized. This study aimes to consolidate and expand knowledge about financial distress. The issue of financial distress has been extensively researched under the behavioral finance framework.
The importance of psychological issues is increasing day by day in financial studies. When the subject is the human factor, a lot of unknowns arise. For this reason, the study of human perceptions and the attitudes of individuals constitutes an important research area in money related research. The purpose of this study, attitudes towards money of university employees in Turkey and the uncovering of belief. In this way, the research; it is believed to be helpful in using money, managing and achieving financial goals. In the study, a questionnaire was applied to the academic and administrative staff of universities in the Western Black Sea Region. Separate analyses were applied for both groups (Academic and Administrative staff) and the results were compared. Factor analysis was used to determine the validity of the scale used in Turkey. As a result of the analysis, it was revealed that the number of factors for both groups consisted of 4 factors as in the original study. These factors have been classified as "Money avoidance", "Money worship", "Money status" and "Money vigilance". In addition, the relations between the demographic characteristics and the factors were examined and the results regarding the status of academic and administrative staff were revealed. Various comments are given on the obtained results.
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