Fi̇nansal Ri̇sk Toleransi Ve Demografi̇k Deği̇şkenler Arasindaki̇ İli̇şki̇: Fi̇nansal Okuryazarliğin Moderatör Etki̇si̇

Abstract

The aim of this study is to investigate the moderator effect of financial literacy on the relationship between demographic variables and financial risk tolerance. For this purpose, data were collected from 370 participants using the questionnaire method. Then the data were tested for reliability and validity, and, the relationships between variables were analyzed using the multiple linear regression model. According to the findings obtained, while men and low income individuals tolerate less risk, younger individuals tolerate more risks. In addition, financial literacy has a moderator effect on the relationship between gender, education and income levels and financial risk tolerance. Low-income individuals who are financially literate tolerate more risk than those who are financially illiterate.

Li̇sans Öğrenci̇leri̇ni̇n Ri̇sk Toleransi: Deneysel Bi̇r Çalişma

“…(2016), müşterinin finansal okuryazarlığı ile risk toleransı arasında pozitif bir ilişki bulunduğunu ve risk toleransının da risk algısını etkilediğini belirtmişlerdir. Finansal okuryazarlık ile finansal risk toleransı arasında ilişki bulunmaktadır (Akgüneş 2021;Bayar vd. 2020;Shusha 2017).…”