Finansal Tabana Yayılmanın Belirleyicileri: Türkiye ve Dünya Uygulaması

Bu çalışmanın amacı dünya genelinde farklı gelir seviyelerinde bulunan ekonomiler ve Türkiye için finansal tabana yayılmaya etki eden bireysel faktörleri belirlemektir. Ayrıca finansal tabana yayılmanın önündeki engeller, bireylerin borçlanma tercihleri, tasarruf nedenleri, banka ve kredi kartı kullanımları ve gayrimenkul için kredi kullanımlarına etki eden bireysel faktörler de çalışmada araştırılmıştır. Dünya Bankası 2017 Global Findex veri tabanından faydalanılarak cinsiyet, yaş, gelir ve eğitimin finansal tabana yayılma üzerindeki etkisi probit regresyon analizi ile incelenmiştir. Çalışma sonuçları bireysel faktörlerin finansal tabana yayılma göstergeleri üzerinde önemli etkileri bulunduğunu ortaya koymuştur. Ayrıca bireysel faktörlerin, finansal kurumlarda hesap sahipliği engelleyen nedenlerin, bireylerin borçlanma tercihlerinin, tasarruf nedenlerinin, banka ve kredi kartı sahipliklerinin ve gayrimenkul için kredi kullanımlarının üzerinde etkili olduğu sonucuna ulaşılmıştır.

Determinants of Financial Inclusion: Turkey and World Application

The purpose of this study is to determine the individual factors affecting the financial inclusion for economies in the different income levels across the globe and for Turkey. In addition, the individual factors affecting the barriers to the financial inclusion, the borrowing preferences of individuals, the reasons for savings, the use of bank and credit cards and the use of loans for real estate are also investigated in the study. By using the World Bank 2017 Global Findex database, the effect of gender, age, income and education on the financial inclusion is analyzed with probit regression analysis. The results of the study revealed that individual factors have important effects on the indicators of financial inclusion. In addition, it is concluded that individual factors have an impact on the reasons that prevent account ownership in financial institutions, the borrowing preferences of individuals, their reasons for savings, their bank and credit card ownership, and their use of credit for real estate.

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