Determining The Level of Financial Literacy Among Secondary School Students: The Case of Sakarya Province

The aim of this study is to determine the financial literacy level of secondary school students attending different types of secondary schools and to compare it with the financial literacy levels of secondary school students studying in the accounting and finance department. To this end, data were collected from 431 participants in secondary education institutions in four central districts of Sakarya Province, namely Adapazarı, Arifiye, Erenler, and Serdivan, during the second semester of the 2022-2023 academic year using a questionnaire method. The data were analysed using the SPSS 25.0 programme. The analyses revealed that secondary school students studying accounting and finance did not show a significant difference in terms of financial knowledge, financial attitudes, and financial behaviour compared to students studying in other school types. Furthermore, it was observed that the participants' levels of financial knowledge and financial attitudes were higher than their levels of financial behaviour. These results indicate that the participants were unable to translate their financial knowledge and positive financial attitudes into financial behaviour.