Z Kuşağının Finansal Okuryazarlık Eğilimlerinin İncelenmesine İlişkin Bir Araştırma

Abstract

Bireylerin, yaşamları boyunca finansal kararlar almak zorunda kalması, bireylerin finansal okuryazarlık konusunda gereken bilgiyi elde etmelerini gerektirmektedir. Bireyler kendi finansal kararlarından sorumludur ve bu bireyler modern dünyada daha karmaşık finansal durumlarla karşı karşıya kalmaktadırlar. Dolayısıyla, finansal okuryazarlık, özellikle gençler için giderek daha önemli hale gelmektedir. Bu çalışma, Türkiye’de Z kuşağına mensup olan bireylerin finansal okuryazarlık konusundaki bilgi seviyelerinden hareketle onların finansal algı ve tutumlarının harcama davranışlarını nasıl etkilediğini ölçmeye çalışmaktadır. Çalışma, kolayda örneklem yöntemiyle elde edilen 400 veri, yapısal eşitlik modellemesi ile analiz edilmiştir. Araştırma sonuçları, Z kuşağının finansal konulardaki algı ve tutumları harcama üzerinde negatif etkiye sahip olduğu tespit edilmiştir. Elde edilen bu bulgu, Z kuşağının finansal konulardaki algı ve tutum düzeyleri arttıkça onların günlük yaşamlarındaki harcamalarını azalttığını göstermektedir.

Keywords

• Finansal okuryazarlık,z kuşağı,tutum,davranış,yapısal eşitlik modeli

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