Abstract:

In this research, which was carried out to understand the effect of financial knowledge, attitudes, behaviors, and socio-demographic characteristics on people's savings decisions and to test the relations of these characteristics with each other, 476 people working in the public and private sectors residing in Bartın province. According to the results of the study, a significant relationship was found between the level of financial literacy and the type of institution where the participants work, household income, credit card usage status, age, education level and monthly income. Furthermore, a significant relationship was found between savings behaviour and household income level. In an additional finding, it has been concluded that saving behaviours show a statistically significant difference according to age, monthly income, marital status, the frequency of following the financial developments and the level of financial literacy.

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