Finansal Okuryazarlığın Temel Düzeyde İncelenmesi: Kayseri İli Örneği

Abstract

Financial literacy can be defined as the ability to comprehend financial concepts and issues in order to take the right decisions in the face of changing financial conditions and to manage one's own financial status through financial planning. The present study was conducted to determine the financial literacy levels of individuals living in the Kayseri province and to investigate the potential relationships between financial literacy levels and the demographic characteristics of individuals. Questionnaires were applied through face-to-face meetings to 400 individuals living in Kayseri province. Despite their having knowledge of some basic financial concepts like paid interest and time value of money, participants were found to have insufficient financial literacy levels. There were significant relationships between financial literacy and the demographic characteristics of the participants. Considering all the results, it was concluded that financial education should be provided to improve the financial literacy levels of individuals living in Kayseri province.

Fi̇nansal Okuryazarlik Düzeyleri̇ni̇n Beli̇rlenmesi̇ne Yöneli̇k Bi̇r Araştirma: Kastamonu Üni̇versi̇tesi̇ Örneği̇

“…The demographic data were analyzed with the questionnaire applied to the students, and then the chisquare analysis of the relationship between demographic characteristics and financial literacy levels was applied and then the relationship between financial knowledge, attitude and financial behavior was examined. The survey questions used in the study of Aktinson & Messy (2012), Cihangir & Ergin (2015), Aksoylu et al (2017) and Güneş (2019) were taken as the basis while the questionnaire was created. In addition, survey questions developed by other researchers have also been used.…”