Bireylerin Finansal Risk Toleransı, Finansal Okuryazarlık ve Finansal Tutumunun Finansal Davranışları Üzerindeki Etkisi

Abstract

Kişisel finans literatüründe yapılan araştırmalar, bireylerin finansal kararlarında psikolojik faktörlerden etkilendiğini ortaya koymaktadır. Bu bağlamda bireylerin finansal davranışlarını incelemeye yönelik çalışmalarda sosyokültürel ve demografik faktörlere yönelik araştırmalar yetersiz kalmaktadır. Araştırmada finansal risk toleransı, finansal okuryazarlık ve finansal tutum faktörlerinin bireylerin finansal davranışları üzerindeki etkileri incelenmeye çalışılmıştır. Türkiye'de yer alan İstanbul, Ankara, İzmir, Kocaeli, Bursa, Sivas ve Karabük şehirlerinden 1347 kişinin gönüllü katılımıyla elde edilen veriler anket yöntemi ile toplanmıştır. Toplanan veriler çoklu doğrusal regresyon yöntemi ile analiz edilmiştir. Sonuç olarak; bireylerin finansal davranışlarını etkileyen faktörleri incelemeyi amaçlayan çalışmada, finansal risk toleransı, finansal okuryazarlık ve finansal tutumun, finansal davranış üzerinde anlamlı bir etkiye sahip olduğu tespit edilmiştir.

The Effect of Individuals' Financial Risk Tolerance, Financial Literacy and Financial Attitude on their Financial Behaviors

Abstract

Studies in the personal finance literature reveal that individuals are influenced by psychological factors in their financial decisions. In this context, research on sociocultural and demographic factors is insufficient in studies to examine financial behavior of individuals. In the research, the effects of financial risk tolerance, financial literacy, and financial attitude factors on individuals' financial behaviors are tried to be examined. The data obtained with the voluntary participation of 1347 individuals from İstanbul, Ankara, İzmir, Kocaeli, Bursa, Sivas, and Karabük cities of Turkey were collected by questionnaire method. The collected data were analysed by multiple linear regression method. As a result, in the study, which aims to examine the factors affecting the financial behavior of individuals, it has been determined that financial risk tolerance, financial literacy and financial attitude have a significant effect on financial behavior.

Keywords

• Financial risk tolerance,
• financial literacy,
• financil attitude,
• financial behavior, personal finance

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