تأثیر سواد مالی بر رضایت مالی دانش‌آموزان دوره دوم متوسطه با رویکرد اسلامی

1. Introduction and Objectives:

Financial literacy and informed financial decisions are among the essential skills for creating financial sense. This has changed with the development of financial technology and the use of financial services and the expansion of society, especially among adolescents. Therefore, the aim of this study is to investigate the effect of financial literacy on financial satisfaction of second-year high school students at an Islamic university.

2. Materials and Methods:

The present study is applied in terms of purpose, descriptive-survey in terms of implementation method and correlational. The statistical population includes all second-year high school students in Isfahan, 384 of whom were selected by multi-stage cluster random method. A researcher-made questionnaire was used to collect data, which was developed based on theoretical and religious foundations. Then, its validity was confirmed by experts and specialists, and its reliability was calculated based on Cronbach's alpha. Pearson correlation and stepwise regression were used to analyze the data.

3. Research findings:

The results showed that the average level of financial literacy (3.28) and financial satisfaction (3.21) of students is above average. Among the components of financial literacy and financial satisfaction, Islamic financial beliefs have a significant relationship with spiritual well-being. Also, financial literacy components including Islamic financial awareness, income and savings, investment and risk hedging, and cost management predicted 0.40 percent of financial satisfaction of second-year secondary school students.

4. Discussion and Conclusion:

The research findings show the need to pay attention to financial literacy education and financial satisfaction of second-year secondary school students. Also, developing comprehensive educational programs that are designed in line with the cultural and religious conditions of the society is an inevitable necessity. Therefore, this research can help policymakers, educational and financial institutions in developing programs to improve students' financial literacy.