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¶ … Financial Literacy of Post College Student and Non-College Student
The relevant research questions and hypothesis would be the following: Research question: Is there any improvement in financial literacy between a non-college student and a post college student.
Positive: significant differnce is found in quality of financial literacy in a post-college student as compared to a non-college student
Negative: no significant differences are found in quality of financial literacy in a post-college student as compared to a non-college student
My research idea will be tested with a randomized survey. Although a survey has various problems (some which are mentioned later), it does have the advantage of non-expensively targeting a vast amount of individuals and is best suited to this research question that cannot be evaluated as control study or other laboratory method. My intention is to examine a cross-section of students who are closely matched to each other. I will also do this as longitudinal research. It will be randomized (a completely randomized design) so as to preclude subjectivity that may well intrude in matters of selection. As see later,...
In this way, I would survey HS students who are planning to enter college and investigate their extent of knowledge on financial literacy before they actually enter college. I would later survey those same HS students once they graduate college and see whether improvement in financial literacy has been discerned. There may be confounding variables with this approach too in that it may be other factors that have caused increase (or difference) in financial literacy rather than college, but by cross-sampling the same population, I will be eliminating far more possibly confounding variables than by not doing so.
I will survey 924 HS students from one district that has a middle-class socio-economic status and follow these same students through university, up to their graduation. I will survey them 4 times altogether: once as pre-college students, twice during their college years at the end of each year, and finally, almost immediately after they graduate. This will indicate whether there is progression…
References
Babbie, E. (1989). The Practice of Social Research. 5th edition. Belmont CA: Wadsworth
Chen, H. & Volpe RP An analysis of personal financial literacy among college students, Financial Services review, 7, 107-128
Creswell, J. (1998). Qualitative inquiry and research design: Choosing among five traditions. Thousand Oaks, California: Sage Publications.
Creswell, J. (2003). Research Design: Qualitative, Quantitative, and Mixed Methods Approaches. Thousand Oaks, California: Sage Publications.
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