Finansal okuryazarlık düzeylerinin belirlenmesi: Düzce ili örneği
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Dosyalar
Tarih
2019
Yazarlar
Dergi Başlığı
Dergi ISSN
Cilt Başlığı
Yayıncı
Düzce Üniversitesi
Erişim Hakkı
info:eu-repo/semantics/openAccess
Özet
Bu araştırma Düzce ilinde yaşayan bireylerin finansal okuryazarlık düzeylerini belirlemek, finansal okuryazarlık düzeylerinin, finansal tutum, finansal davranış ve demografik faktörlere göre farklılık gösterip göstermediğini tespit etmek amacıyla gerçekleştirilmiştir. Düzce ilinde yaşayan 18 yaş üstü 448 bireye yapılan anket çalışması sonucu elde edilen veriler T testi ve Anova testi ile analiz edilmiştir. Analizler sonucunda; katılımcıların %34,8'inin temel düzey, %32,1'inin ise ileri düzey finansal okuryazarlığa sahip olduğu, cinsiyet, yaş grupları, meslek grupları, gelir düzeyleri ve eğitim düzeylerinin, bireylerin finansal okuryazarlık düzeyleri, finansal tutumları ve finansal davranışları üzerinde etkili olduğu sonucuna ulaşılmıştır. Ayrıca temel düzey finansal okuryazarlık seviyelerinin de finansal tutum ve davranışlar üzerinde etkili olduğu görülmüştür.
This study was conducted to determine the financial literacy levels of individuals living in Düzce province and to determine whether financial literacy levels differ according to financial attitude, financial behavior and demographic factors. Data obtained from 448 individuals over 18 years of age living in Düzce were analyzed by T test and Anova test. As a result of the analysis; It was determined that 34.8% of the participants had basic level and 32.1% had advanced financial literacy. It was concluded that gender, age groups, occupational groups, income levels and education levels had an effect on individuals' financial literacy levels, financial attitudes and financial behaviors. In addition, the basic level of financial literacy levels were found to be effective on financial attitudes and behaviors.
This study was conducted to determine the financial literacy levels of individuals living in Düzce province and to determine whether financial literacy levels differ according to financial attitude, financial behavior and demographic factors. Data obtained from 448 individuals over 18 years of age living in Düzce were analyzed by T test and Anova test. As a result of the analysis; It was determined that 34.8% of the participants had basic level and 32.1% had advanced financial literacy. It was concluded that gender, age groups, occupational groups, income levels and education levels had an effect on individuals' financial literacy levels, financial attitudes and financial behaviors. In addition, the basic level of financial literacy levels were found to be effective on financial attitudes and behaviors.
Açıklama
YÖK Tez No: 603889
Anahtar Kelimeler
Maliye, Finance, Finansal Okuryazarlık, Finansal Davranış, Finansal Tutum, Financial Literacy, Financial Behavior, Financial Attitude
