FİNANSAL SOSYALLEŞME SÜRECİNDE EBEVEYNLERİN ROLÜ VE ÖNEMİ

Year 2025, Volume: 21 Issue: 3, 881 - 910, 30.09.2025

Bilgehan Sarı

Abstract

Finansal sosyalleşme, başarılı bir finansal yönetimin temelidir. Genellikle çocukluk ve gençlik dönemlerinden başlayarak yaşam boyu devam etmektedir. Bireylerin finansal tutumlarını şekillendirmede, aile içinde yaşanan finansal deneyimlerin, sunulan finansal eğitimin ve rol modellerin etkisi önem taşımaktadır. Bu araştırmanın amacı, ebeveynlerin çocuklarıyla finansal konuları paylaşma ve onları finansal davranışlara katılımlarını sağlama açısından önemsedikleri, hazır veya uygun gördükleri yaş seviyelerini belirlemektir. Bu doğrultuda araştırmada ebeveynlerin finansal eğitim kategorilerinde çocuklara hangi yaşlarda ve hangi içerikte bilgi ve davranış aktardıklarıyla ilgili sorulara yanıt aranmıştır. Bunun yanısıra farklı meslek gruplarından olan akademik ve idari personelin çocuklarının yaş seviyelerine göre finansal eğitim kategorilerinde uygunluk ve uzlaşma noktalarını belirlemek de bu çalışmanın amaçları arasındadır. Akademik ve idari personele düzenlenen anket çalışmasında tanımlayıcı istatistik yöntemi kullanılmıştır. Araştırma sonucuna göre ebeveynlerin çoğunluğu 6 yaşından önce çocuklarını finansal eğitime hazır bulmamaktadır. Finansal adımların başlangıcı 6-13 yaş arasında atılmaktadır. Ebeveynlerin %45,2’si birçok finansal eğitim kategorisi için 18-21 yaş aralığını uygun bulmaktadır. Araştırmaya göre ebeveynlerin çoğu, “aile finansmanına katılım” finansal kategorisinde 18-21 yaştan sonra (%35) en yüksek (%30) 14-17 yaş aralığını uygun görmektedir. Akademik ve idari personel arasında, finansal eğitim için uygun bulunan yaş aralıkları konusunda tek bir farklı sonuç ortaya çıkmıştır.

Keywords

Finansal Sosyalleşme, , Finansal Eğitim, , Finansal Farkındalık, , Davranışsal Finans

THE ROLE AND IMPORTANCE OF PARENTS IN THE FINANCIAL SOCIALIZATION PROCESS

Abstract

Financial socialization is the basis for successful financial management. It usually begins in childhood and adolescence and continues throughout life. The influence of financial experiences in the family, financial education provided, and role models is important in shaping individual's financial attitudes. The aim of this study is to determine the age at which parents consider it important, ready or appropriate to inform their children about financial issues and encourage them to adopt financial behavior. In this context, the study sought answers to questions about at what ages and in what content parents convey information and behavior to their children in financial education categories. In addition, one of the objectives of this study is to determine the appropriateness and points of compromise in financial education categories according to the age level of the children of academic and administrative staff from different professional groups. Descriptive statistics were used in the survey of academic and administrative staff. According to the results of the survey, the majority of parents believe that their children are not ready for financial education before the age of 6. Financial steps are taken between the ages of 6 and 13. 45.2% of parents find the age range of 18-21 appropriate for many categories of financial education. According to the study, most parents consider the age range of 14-17 to be the most appropriate (30%), after the age of 18-21 (35%) in the financial category of “involvement in family finances”. There was only one difference between the age groups suitable for the financial education of academic and administrative staff.

Keywords

Financial Socialization , Financial Education , Financial Awareness , Behavioral Finance

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