Comparison of Financial Literacy Between Those Neither in Education Nor Employment and Those Both in Education and Employment: A Qualitative Field Study

Year 2025, Issue: 88, 127 - 151, 25.07.2025

Yunus Budak

https://doi.org/10.26650/jspc.2025.88.1646012

Abstract

This study aims to compare the financial literacy levels of individuals "not in education, employment, or training" (NEET group) with those "both in education and employment." NEET individuals are often socially and economically disadvantaged, with limited access to financial knowledge and management capacity. On the other hand, individuals in both education and employment have advantages in accessing and applying knowledge. The study involved semi-structured interviews with 12 participants from these two groups. Findings reveal that education and employment significantly impact financial literacy. NEET individuals face challenges such as financial knowledge deficits, difficulties in saving, and understanding complex financial products. Conversely, those in education and employment demonstrated greater awareness and decision-making capabilities in these areas. This study highlights the importance of education and employment policies in enhancing financial literacy levels.

Keywords

Financial literacy, NEET group, Education and employment, Economic disadvantage, Qualitative Research

Ne Eğitimde Ne İstihdamda Olanlar ile Hem Eğitimde Hem İstihdamda Olanların Finansal Okuryazarlığı Karşılaştırması: Nitel Bir Saha Çalışması

Abstract

Bu çalışma, "ne eğitimde ne istihdamda olanlar" (NEET) ile "hem eğitimde hem istihdamda olanlar" arasındaki finansal okuryazarlık düzeylerini karşılaştırmayı amaçlamaktadır. NEET bireyler, genellikle sosyal ve ekonomik açıdan dezavantajlı bir konumda olup, NEET bireylerin finansal bilgiye erişim ve yönetim kapasiteleri sınırlıdır. Öte yandan, hem eğitimde hem istihdamda olan bireyler, bilgiye erişim ve uygulama fırsatları açısından avantajlıdır. Araştırmada, iki gruptan toplam 12 kişiyle yarı yapılandırılmış görüşmeler gerçekleştirilmiştir. Bulgular, eğitim ve istihdamın finansal okuryazarlık üzerinde belirgin bir etkisi olduğunu göstermektedir. NEET bireylerin finansal bilgi eksikliği, tasarruf yapma ve karmaşık finansal ürünleri anlama gibi alanlarda zorluk yaşamalarına neden olmaktadır. Buna karşılık, eğitim ve istihdam sürecinde olan bireylerin bu konularda daha bilinçli kararlar alabildiği belirlenmiştir. Çalışma, eğitim ve istihdam politikalarının finansal okuryazarlık düzeylerini artırmadaki önemini vurgulamaktadır.

Keywords

Finansal okuryazarlık, NEET grubu, Hem Eğitim ve Hem istihdam, Ekonomik dezavantaj, Nitel Araştırma

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