ارائه مدلی از عوامل مؤثر بر سواد مالی دانش‌آموزان پایه نهم: مطالعه‌ای کیفی بر اساس دیدگاه دانش‌آموزان

نوع مقاله : مقاله پژوهشی

نویسندگان

1 گروه ریاضی دانشگاه تربیت دبیر شهید رجایی

2 عضو هیات علمی دانشگاه تربیت دبیر شهید رجایی

10.22099/jsli.2025.8274

چکیده

پژوهش حاضر با هدف ارائه مدلی از عوامل مؤثر بر سواد مالی دانش‌آموزان پایه نهم انجام گرفت. براساس این هدف، گردآوری داده‌ها با رویکرد کیفی، مبتنی‌بر نظریه داده‌بنیاد صورت گرفت. شرکت‌کنندگان از بین دانش‌آموزان پایه نهم شهر اصفهان و با استفاده از روش نمونه‌گیری هدفمند انتخاب شدند. در این پژوهش، داده‌ها ازطریق مصاحبه‌های نیمه‌ساختاریافته جمع‌آوری شدند و بعداز مصاحبه با 14 دانش‌آموز، اشباع نظری حاصل گردید. تجزیه‌وتحلیل داده‌های کیفی حاصل از مصاحبه‌ها، با استفاده از فرایند کدگذاری‌های باز، محوری و انتخابی، انجام گرفت. جهت حصول اطمینان از کیفیت پژوهش و اعتباریابی یافته‌ها از راهبردهای بازبینی، ارزیابی و تأیید داده‌ها توسط صاحب‌نظران استفاده شد. براساس دیدگاه دانش‌آموزان پایه نهم، دسته‌بندی مقوله‌ها و زیرمقوله‌ها در دو دسته کلی عوامل درونی و عوامل بیرونی انجام گرفت. عوامل درونی شامل زیرمقوله‌های دانش مالی، انگیزش، فراشناخت، مهارت حل مسئله و باورها بودند و زیرمقوله‌های جامعه، محیط آموزشی و خانواده در دسته عوامل بیرونی مؤثر بر سواد مالی دانش‌آموزان پایه نهم قرار گرفتند. در نهایت و به‌عنوان یافته کلی پژوهش، مدل نظری عوامل مؤثر بر سواد مالی دانش‌آموزان تدوین و ارائه گردید. امید است واکاوی این عوامل، راهکارهای مناسبی در جهت ارتقای سطح سواد مالی دانش‌آموزان، پیشِ‌ روی برنامه‌ریزان آموزشی قرار دهد.

کلیدواژه‌ها

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