Managing the Formation of The Individual Financial Culture of University Students

Abstract

The purpose of the study dealing with the mechanisms for managing the formation of the individual financial culture of university students is to identify the optimal pedagogical conditions that contribute to the development of financially literate behavior of students studying under education agreements as rational consumers of educational services. The work performed allowed concluding that the attitude of students to mastering the chosen educational program, their academic performance, as well as social and labor activity allows predicting the nature of their financial behavior as market actors in their future daily life. The majority of students do not tend to treat their training as an investment in their own human capital due to the predominance of paternalistic attitudes associated with the imposition of costs for education on older family members.