Finansal Yönetim Uygulamaları ve Finansal Okuryazarlık İlişkisi: Ankara Örneği

Finansal okuryazarlığın bireylere akılcı finansal kararlar vermede yardımcı olduğu ve güç verdiği yaygın olarak kabul edilen bir gerçektir. Finansal okuryazarlık; finansal kararları almak için finansal koşulları, uygulamaları, kuralları ve normları anlama yeteneğini vurgular. Paranın yönetimi, kredi kullanımı, bütçe yapma, yatırım, tasarruf vb. birçok finansal faaliyeti gerçekleştirebilmek için finansal koşulları, uygulamaları, kuralları ve normları anlama becerisine ihtiyaç vardır.Hem gelişmiş hem de gelişmekte olan ülkelerde düşük düzeyde olması nedeniyle uluslararası bir fenomen haline gelen finansal okuryazarlık, finansal karar alma sürecini geliştirmede bir araç olarak ihtiyaç haline gelmiştir. Türkiye'deki büyük bir devlet üniversitesi çalışanlarından (akademik ve idari, n=508) elde edilen verilerin (2011) kullanıldığı bu çalışmada finansal okuryazarlığın;tasarruf, yatırım dışı borçlanma, finansal trendleri takip etme vefinansal hizmetleri satın almadan önce karşılaştırma gibi dört finansal yönetim uygulamasındaki etkisi tek birmodel içerisinde incelenmiştir. Model, finansal okuryazarlıktaki değişimin %13'ünü açıklamıştır. Regresyon analizi sonuçları, yatırım dışı borçlanma dışındaki tüm değişkenlerin finansal okuryazarlıkla ilişkili olduğunu göstermiştir. Bulgular, finansal başarı ve istenen yöndefinansal çıktılar elde etmede finansal okuryazarlığın bir girdi olarak önemini vurgulamaktadır. Bununla birlikte birey ve hanehalklarınıdaha sonra harcamak yerine şimdiharcamaya teşvik eden küresel ekonomik dünyanın, hanehalklarına daha fazla kredi pompalamasının veyaşamın her aşamasında tüketime önem vermeye teşvik eden etkisinin, finansal okuryazarlık düzeyleriyüksek bireyler için bile borçlanmaya yönelik olumlu tutumlar yaratma konusunda başarılı olabileceği göz önünde bulundurulmalıdır. Çalışma bulguları, gelecekte yapılacak araştırmalar ve sınırlılıklar dahilinde tartışılmıştır.

Linking Financial Management Practices to Financial Literacy: Evidence from Ankara

It is widely acknowledged that financial literacy helps and empowers individuals to make informed financial decisions.Financial literacy emphasizes the ability to understanding financial conditions, practices, rules, and norms to make informed financial decisions. The ability of understanding financial conditions, practices, rules and norms is needed to perform tasks related to many activities associated with money and includes control over credit using, budgeting, purchasing insurance and investment. Advocates heralded the need for increased financial literacy as a means to improve financial preparedness and financial decision-making process since a low level of financial literacy is an international phenomenon in developed and developing countries. Using data (2011) from a major state university in Turkey (n=508), this study examines the importance of financial literacy on four financial management practices -saving, non-investment borrowing, comparing financial servicesbefore buying and following financial trends-in a single model. The model explained 13% of the variation in financial literacy. The regression analysis results showed that all explanatory variables were related to financial literacy except the non-investment borrowing. The findings highlight the importance of financial literacy as input for financial success and desired financial outcomes. It should be also taken into consideration that the global economic world with encouraging individuals spending now instead of later, pumping credits more available for a large group of households, emphasizing consumption in every stage of life could be successful creating positive attitudes towards borrowing even for consumers with better financial management skills. Future research directionsand limitations werediscussed.

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Turkish Studies - Economics, Finance, Politics-Cover

ISSN: 2667-5625
Yayın Aralığı: Yılda 4 Sayı
Başlangıç: 2006
Yayıncı: ASOS Eğitim Bilişim Danışmanlık Otomasyon Yayıncılık Reklam Sanayi ve Ticaret LTD ŞTİ