Children's financial management competence : a gender specific socialization process Public Deposited

http://ir.library.oregonstate.edu/concern/graduate_thesis_or_dissertations/kk91fp430

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  • This study was conducted to determine, first, if there are gender differences in children's financial management competencies; second, to ascertain relevant parental financial behavior that may affect the child's financial management socialization; and third, to test the validity of a proposed model. This model, based on research of existing literature, provides a theoretical model for predicting the influence specific variables have on a child's money management competence. The sample consisted of eighty-six families, each of which was required to have at least one child in the fourth grade, have two or more children, and have both biological parents living in the home. Results of the study suggested that there was not a gender-based difference in the children's money-management competence, nor in the child's money management knowledge, nor in the parents' perception of the boys' and girls' savings behavior. However, a gender difference existed in the parents' perception of the child's spending behavior. Additionally, parents were found to employ a division of labor with respect to money management tasks based on gender. The data indicated that mothers tended to perform short-term money management tasks while fathers tended to perform long-term money management tasks. Further findings revealed significant positive relationships between the child's income and the parents' money management socializing effort, the child's income and his/her financial competence, and between the mother's performance of long-term money-management tasks and the child's financial competence. Additionally, a significant inverse relationship was found to exist between the family's stage in life and the parents' money management socializing effort. Clearly money management plays a pivotal role in the quality of life and thus the need to identify and understand the mechanisms by which personal money management can be improved is of great concern. The results of this study can aid in the development of programs that will not only supplement, but facilitate the family's effort to produce children who are competent money managers.
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