Finansal okuryazarlık düzeyinin ve finansal okuryazarlığı etkileyen faktörlerin belirlenmesi
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Dosyalar
Tarih
2019
Yazarlar
Dergi Başlığı
Dergi ISSN
Cilt Başlığı
Yayıncı
Business and Management Studies: An International Journal
Erişim Hakkı
info:eu-repo/semantics/openAccess
Özet
Finansal okuryazarlık, insanların günlük hayattaki temel bütçelerini oluşturmalarında ve yatırım kararlarında etkin kararlar verilmesini sağlamaktadır. Etkin kararlar verilmesiyle hem bireyin hem toplumun hem de ülkenin kalkınmasına destek olunmaktadır. Bu sebeplerden dolayı finansal okuryazarlık dünyadaki tüm toplumlara hitap etmektedir. Ayrıca finansal okuryazarlıkla birlikte bilinen finansal araç çeşitliliği artmaktadır.Bu çalışmada Aksaray Üniversitesi İktisadi ve İdari Bilimler Fakültesi’nde öğrenim gören öğrencilerin finansal okuryazarlıklarının hangi faktörlerden etkilendikleri incelenmiştir. Ayrıca Aksaray Üniversitesi İktisadi ve İdari Bilimler Fakültesi’ndeki öğrencilerin finansal okuryazarlık düzeyleri incelenmiştir. Araştırma sonucunda; öğrencilerin finansal okuryazarlık düzeyinin oldukça düşük olduğu hatta bunun altında matematiksel sorunların yattığı tespit edilmiştir. Öğrencilerin finansal okuryazarlık seviyesinin genellikle internet kaynaklarından ulaştığı bilgilerden ibaret olduğu belirlenmiştir. Ayrıca finansal okuryazarlık düzeyinin; ailenin geliri, babanın mesleği, kredi kartına sahip olma, kredi kartı limiti, kredi kartının asgari tutarını ödeyebilme, gelir-gider düzeyi, temel finans bilgisi, finansal okuryazarlık eğitimi, hangi finansal araçlara hangi bilgi kaynakları kullanılarak yatırım yapıldığı ve finansal okuryazarlık yeterliliği faktörlerinden etkilendiği tespit edilmiştir. Bu çalışma mikro düzeyde gerçekleşmiş olsa da elde edilen sonuçların büyük bir çoğunluğu makro düzeyde de toplumu etkilemektedir.
Financial literacy ensures that people make basic decisions in daily life and make effective decisions in investment decisions. Effective decisions are made to support the development of both the individual and society as well as the country. For these reasons, financial literacy addresses all societies in the world. In addition, the variety of financial instruments known with financial literacy is increasing.In this study, the factors affecting the financial literacy of the students studying at Aksaray University Faculty of Economics and Administrative Sciences were examined. Moreover, financial literacy levels of students in Aksaray University Faculty of Economics and Administrative Sciences were examined. As a result of the research; It is determined that students' financial iteracy level is quite low or even mathematical problems arefound below. It was determined that the level of financial literacy of the students consisted mostly of information obtained from internet sources. In addition; the level of financial literacy; family income, father's occupation, having a credit card, credit card limit, paying the minimum amount of credit card, income-expenditure level, basic financial information, financial literacy education, which financial resources are invested by which sources of information and financial literacy adequacy factors Itwas. Although this study was carried out at the micro level, the majority of the results obtained affect the society at the macro level.
Financial literacy ensures that people make basic decisions in daily life and make effective decisions in investment decisions. Effective decisions are made to support the development of both the individual and society as well as the country. For these reasons, financial literacy addresses all societies in the world. In addition, the variety of financial instruments known with financial literacy is increasing.In this study, the factors affecting the financial literacy of the students studying at Aksaray University Faculty of Economics and Administrative Sciences were examined. Moreover, financial literacy levels of students in Aksaray University Faculty of Economics and Administrative Sciences were examined. As a result of the research; It is determined that students' financial iteracy level is quite low or even mathematical problems arefound below. It was determined that the level of financial literacy of the students consisted mostly of information obtained from internet sources. In addition; the level of financial literacy; family income, father's occupation, having a credit card, credit card limit, paying the minimum amount of credit card, income-expenditure level, basic financial information, financial literacy education, which financial resources are invested by which sources of information and financial literacy adequacy factors Itwas. Although this study was carried out at the micro level, the majority of the results obtained affect the society at the macro level.
Açıklama
Anahtar Kelimeler
Finansal Okuryazarlık, Finansal Okuryazarlık Düzeyi, Finansal Okuryazarlığı Etkileyen Faktörler, Makroekonomik-Mikroekonomik Etkenler, Financial Literacy, Financial Literacy Level, Factors Affecting Financial Literacy, Macroeconomic-Microeconomic Factors
Kaynak
Business and Management Studies: An International Journal
WoS Q Değeri
Scopus Q Değeri
Cilt
7
Sayı
3
