Murat GÜNDÜZ, Yunus ÖZYILDIRIM

4929

Türkiye’de İllere Göre Finansal Kapsayıcılık Endeksinin Ölçülmesi

Finansal hizmetlerin erişilebilirliği, kullanılabilirliği ve kullanımı açısından en önemli kuruluşlar bankalardır. Politika yapıcıların önemli önceliklerinden birisi bankalar aracılığıyla oluşturulan finansal piyasayı daha kapsayıcı hale getirmek, tüm yetişkinlerin erişebildiği ve tasarruflarını finansal piyasalar aracılığıyla kullandığı kapsamlı bir finansal piyasa oluşturmaktır. Bu çalışmada Sarma (2008) tarafından geliştirilen yetişkin bireylerin finansal hizmetlere ne ölçüde eriştiklerini ve kullandıklarını ölçen finansal kapsayıcılık endeksi (FKE), Türkiye için illere göre hesaplanmıştır. Çalışma kapsamında Türkiye’nin 81 ili için 2011-2018 yıllarını kapsayan finansal kapsayıcılık endeksi oluşturulmuştur. Finansal sistemin boyutlarının gösterildiği endeks değerlerinde bölgeler arasında büyük farklılıklar olduğu saptanarak İstanbul, Ankara, Muğla, Antalya ve İzmir illeri en yüksek finansal kapsayıcılık endeksine Şırnak, Muş, Şanlıurfa, Batman ve Bingöl illerinin de en düşük finansal kapsayıcılık endeksine sahip oldukları tespit edilmiştir.

Measuring Financial Inclusion Index by Provinces in Turkey

Banks are the most important institutions in terms of accessibility, availability and usage of financial services. One of the key priorities of policy makers is to make the financial market formed by means of banks more inclusive and to construct a comprehensive financial market that all adults can access and use their savings through financial markets. In this study, the index of financial inclusion (IFI) developed by Sarma (2008) that measures the extent to which adult individuals could Access and use financial services was calculated for provinces in Turkey. In the scope of the study, the index of financial inclusion computed for the 81 Provinces of Turkey, covering the years 2011-2018. It is determined that there are big differences among the regions in the index values that shows the dimensions of the financial system and Istanbul, Ankara, Mugla, Antalya and Izmir have the highest index of financial inclusion while Sırnak, Mus, Sanlıurfa, Batman and Bingol have the lowest index of financial inclusion.
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Bankacılar-Cover
  • ISSN: 1300-0217
  • Başlangıç: 1990
  • Yayıncı: Türkiye Bankalar Birliği
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