FİNANSAL OKURYAZARLIK VE BİREYSEL FINANSAL KARARLAR ARASINDAKI İLİŞKİ ÜZERİNE KEŞİFSEL BİR ÇALIŞMA

Bu çalışmanın amacı bireylerin finansal kavramlar hakkındaki bilgi düzeylerini belirlemek, bankalar ile diğer finansal kurumların sunmuş oldukları hizmet ve ürünlerle ilgili genel bilgi sahibi olup olamadıklarını araştırmaktır. Çalışma ayrıca finansal okuryazarlık ve bireysel finansal kararlar arasındaki ilişkiyi de ortaya çıkarmayı hedeflemektedir. Bunun için Adana ilinde bulunan ve rastgele örneklem metoduyla seçilen 433 kişiyle, internet ve yüz-yüze görüşme yoluyla anket yapılmıştır. Literatürde daha önce tanımlanan değişkenler ile finansal okuryazarlık arasındaki ilişkinin varlığını doğrulamak için ki-kare analizi yapılmıştır. Test sonuçlarına göre yaş, cinsiyet, gelir düzeyi ve emeklilik sistemine dâhil olma kararı ile finansal okuryazarlık arasında ilişki olduğu saptanmıştır. Bireylerin tüketici kredisi alma ve sigorta yaptırma ile ilgili kararları ile finasal okuryazarlık düzeyleri arasında ise anlamlı bir ilişki bulunmamaktadır.

THE RELATIONSHIP BETWEEN FINANCIAL LITERACY AND INDIVIDUAL FINANCIAL DECISIONS: AN EXPLORATORY STUDY

The aim of this study is to find out how literate individuals are about financial concepts, whether or not they can manage their funds in a rational way, and to find out whether they are familiar with the services and instruments offered by the banks and other financial institutions from which they can benefit. Also, this study aims to determine the relationship between financial literacy and individual financial decisions. Data of this study were collected in two steps: firstly by using an on-line questionnaire through random sampling method, and secondly through face-to-face interviews. The sample size in this study is 433 participants from Adana city. Chi-square tests were applied to verify the relevance of the relationship between financial literacy and the variables previously identified in the literature. The study results showed that the major factors that have a relationship with financial literacy in Adana are age, gender, income, and individual financial decision about pension. There is no significant relationship between financial literacy and consumer credit or insurance policy. Saving behavior has not been found significant in explaining financial literacy.

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