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Finansal tabana yayılma konusu bilgiye erişim imkânlarının artmasıyla daha da önemli hale gelmiştir. Finansal tabana yayılma, bireylerin finansal araçlar hakkında bilgi sahibi olması ve sahip oldukları bu bilgiyi kullanma becerileri olarak tanımlanmaktadır. Finansal tabana yayılmanın temelinde finansal okuryazarlık, finansal eğitim ve finansal erişim bulunmaktadır. Finansal tabana yayılmanın gelişimi toplumun her kesimini ilgilendiren önemli bir kavramdır ve sonuçları uzun vadelidir. Bu sebeple finansal tabana yayılmaya ait değişkenlerin tespit edilmesi ve güncellenmesi oldukça önemlidir. Bu çalışmanın amacı finansal tabana yayılmayı oluşturan değişkenlerin, bireylerin demografik özellikleri ile karşılaştırılarak incelenmesidir. Bu bağlamda çalışmada Ekonomik Kalkınma ve İşbirliği Örgütü (OECD) tarafından geliştirilen ölçek kullanılmıştır. Çalışma kapsamında Trabzon ilinde ikamet eden bireyler üzerinde anket uygulanmıştır. Elde edilen veriler SPSS 21 programında analiz edilmiştir. Verilerin analizinde Mann Whitney U testi, Kruskal Wallis H testi ve Ki-Kare testleri kullanılmıştır. Çalışma sonucuna göre, finansal tabana yayılma değişkenleri arasında ilişki tespit edilmiştir. Finansal tabana yayılma değişkenleri bireylerin, cinsiyetine, yaş gruplarına, öğrenim durumlarına, gelir düzeylerine ve meslek gruplarına göre değişmektedir.
The extension of the financial base has become even more important with the increased access to information. The spread into the financial base is defined as the ability of individuals to know the financial instruments and to use the information they have. The basis for the spread of the financial base is financial literature, financial training and financial access. The development of the spread to the financial base is an important concept that concerns every part of society and its results are long-term. Therefore, it is very important to identify and update the variables of the financial base. The aim of this study is to study the variables that make up the spread to the financial base by comparing with the demographic characteristics of individuals. In this context, the study was used in the scale developed by the Organization for Economic Development and Cooperation (OECD). The study was carried out on individuals living in the province of Trabzon. The data was analyzed in the SPSS 21 program. In the analysis of the data, Mann Whitney U test, Kruskal Wallis H test and Ki-Kare tests were used. According to the study, the relationship between the variables of spread to the financial base has been identified. The variables of spread to the financial base vary according to individuals, gender, age groups, educational conditions, income levels and occupational groups.
The issue of financial inclusion has become even more important with the increase in access to information. Financial inclusion is defined as individuals' knowledge of financial instruments and their ability to use this knowledge. Financial literacy, financial education and financial access are the basis of financial inclusion. The development of financial inclusion is an important concept that concerns all segments of society and its results are long-term. For this reason, it is very important to identify and update the variables related to financial inclusion. The aim of this study is to examine the variables that make up the financial inclusion by comparing with the demographic characteristics of individuals. In this context, the scale developed by the Organization for Economic Development and Cooperation (OECD) was used in the study. Within the scope of the study, a questionnaire was applied to individuals residing in Trabzon. The obtained data were analyzed in SPSS 21 program. Mann Whitney U Test, Kruskal Wallis H Test and Chi-Square Tests were used to analyze the data. According to the results of the study, it has been determined the relationship between financial inclusion variables. The variables of financial inclusion vary according to the gender, age, education level, income level and profession of the individuals.
Alan : Sosyal, Beşeri ve İdari Bilimler
Dergi Türü : Uluslararası
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