FİNANSAL BİLGİ HAKKINDA NE BİLİYORUZ? BİR LİTERATÜR TARAMASI

Bu makale finansal okuma ikilemi hakkında bir literatür taraması sunmaktadır. Bireylerin ve ailelerin finansal karar alma süreçleri son yıllarda daha hayati bir hale gelmiştir. Giderek daha küreselleşen ve riskli hale gelen pazarlar göz önüne alındığında, küresel finans krizinin güncel bağlamı ve finansal ürün ve hizmetlerin gittikçe karmaşık hale gelmesi, bireylerin iyi bilgilendirilmiş olmasını ve doğru kararlar vermesini zorunlu hale getirmektedir. Sonuç olarak, daha yüksek düzeylerdeki finansal bilgi birikimi daha kapsamlı ekonomik büyümeye ve kalkınmaya katkı sağlamaktadır. Bununla birlikte, genel olarak finansal okumadaki zayıflık, okul müfredatlarında finansal eğitim programlarına ihtiyaç duyulduğunu göstermiştir. Finansal okumayla hem yatırım kararları hem de emeklilik programları arasında olumlu bir ilişki olduğuna ilişkin kanıtlar da vardır. Bugüne kadar yapılan çalışmalar, yaş, cinsiyet, iş tecrübesi, gelir ve eğitim düzeyi gibi sosyoekonomik koşulların finansal bilgi, tutum ve davranışları etkilediğini ortaya koymaktadır.

Anahtar Kelimeler:

Finansal Okuma, Finansal Davranış, Kişisel Finansman

FİNANSAL BİLGİ HAKKINDA NE BİLİYORUZ? BİR LİTERATÜR TARAMASI

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