Yüksek Düzeyde Finansal Okuryazarlık Bristol ve İstanbul'daki Genç Yetişkinlerin Finansal Refahını Geliştirir mi?

Yüksek düzeyde finansal refah, bireyin finansal okuryazarlık düzeyine bağlıdır çünkü yüksek finansal okuryazarlık düzeyi, iyi finansal kararlar alma olasılığını artırır. Bu nedenle, makalenin amacı, genç yetişkinlerin finansal okuryazarlık düzeylerini, etkin olmayan finansal kararlar vermelerini önleyerek geliştirmektir. Bristol, İngiltere ve İstanbul, Türkiye'deki genç yetişkinlerin finansal okuryazarlık düzeylerini ölçmek için finansal bilgi, finansal davranış, finansal tutum ve kültür faktörleri kullanılmıştır. Bu çalışma, bu iki şehrin nüfusunun çoğunluğu genç yetişkinlerden oluştuğu için, onlu yaşların sonunda veya yirmili yaşların başında ve otuzlu yaşların başındaki bireylere odaklanmaktadır - genç yetişkinler. Bristol ve İstanbul ekonomileri genç yetişkinlerin finansal kararlarından oldukça etkilenmektedir. Ayrıca, emeklilik, yatırım, tasarruf, kredi, ipotek ve sigorta gibi mevcut finansal mal ve hizmetlerin tümü genç yetişkinlerin finansal kararlarından etkilenmektedir. Araştırmanın sonucu, genç yetişkinlerin finansal okuryazarlık düzeyini artıran en önemli faktörün finansal bilgi olduğunu, ancak finansal bilgi uygulamalarda kullanılmadıkça genç yetişkinlerin finansal refahının iyileştirilemeyeceğini ortaya koymaktadır.

Does High Level of Financial Literacy Improve Financial Well-Being of Young Adults in Bristol and Istanbul?

A high level of financial well-being is dependent on an individual's level of financial literacy, as it increases the chance of making sound financial decisions. In this context, the aim of this research is to raise financial literacy among young adults in order to prevent them from making poor financial decisions. The financial literacy level of young individuals in Bristol, UK, and Istanbul, Turkey is measured using the characteristics of financial knowledge, financial behaviour, financial attitude, and culture. This study focuses on people in their late teens or early twenties to thirties — young adults – because they comprise the majority of the population in these two different regions. As a result, the economies of Bristol and Istanbul are heavily influenced by the financial decisions of young individuals, as are existing financial goods and services such as pensions, investments, savings, loans, mortgages, and insurance. The study's findings show that financial knowledge is the most significant factor in raising young adults' financial literacy levels, yet financial well-being may not improve unless financial knowledge is put into practice.

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