Bölgelere ve İllere Göre Türkiye Finansal Kapsayıcılık Endeksi

Abstract

Çalışmanın amacı finansal kapsayıcılığın Türkiye’de 2011–2018 dönemindeki gelişiminin araştırılmasıdır. Bu kapsamda öncelikle dört finansal erişim ve üç finansal kullanım boyutu verileri kullanılarak Türkiye Finansal Kapsayıcılık Endeksi geliştirilmiştir. Uygulanan yöntem ile finansal kapsayıcılık boyutları değerleri sıfır ile bir arasında olacak şekilde standart hale getirilmiş, daha sonra ters Öklid uzaklık bağıntıları ile bölge ve il bazında nihai endeks oluşturulmuştur. Araştırmanın finansal kapsayıcılık bulguları bölgelere göre çok yüksek, yüksek, orta, düşük ve çok düşük olarak değerlendiğinde incelen yılların tamamında İstanbul’un çok yüksek; Batı Marmara, Ege ve Batı Anadolu’nun yüksek; Doğu Marmara, Akdeniz ve Doğu Karadeniz’in orta; Batı Karadeniz’in düşük; Kuzeydoğu Anadolu, Ortadoğu Anadolu ve Güneydoğu Anadolu’nun çok düşük finansal kapsayıcılık endeks değerlerine sahip oldukları görülmüştür. Orta Anadolu Bölgesinde 2011–2013 yılları arasında düşük, sonrasında orta düzey finansal kapsayıcılık söz konusudur. İllerin finansal kapsayıcılık endeks değerleri ise genel olarak içerisinde yer aldıkları bölgeler ile uyumludur.

Keywords

• Finansal kapsayıcılık
• Finansal erişim
• Finansal kullanım
• Türkiye

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