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Young Ages, Big Decisions: Development and Initial Validation of the Multidimensional Financial Literacy Scale for Adolescents

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Üztemur S., Gökalp A., Çengelci Köse T.
The New Educational Review
|
2025
|
vol. 80
173-186
EN
This study developed the Financial Literacy Scale for Adolescents (FLSADO) to assess adolescents’ financial literacy and examined its psychometric properties. Exploratory (n = 382) and confirmatory (n = 512) factor analyses revealed an 18-item scale with three subscales: conscious consumption, savings and future planning, and the meaning of money, explaining 50.16% of the variance. A brief five-item version (FLSADO-5) was created based on EFA loadings, representing all sub-dimensions and accounting for 33.92% of the variance. CFA supported both the three-factor structure of FLSADO and the unidimensional structure of FLSADO-5. Internal consistency coefficients indicated good reliability for both versions. Correlations with external measures supported concurrent validity.
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