DETERMINING THE LEVELS OF ISLAMIC FINANCIAL LITERACY: A FIELD RESEARCH ON THE PROVINCE OF TOKAT

Year 2023, Issue: 54, 309 - 333, 02.01.2023

Öznur Saray Selim Güngör

https://doi.org/10.30794/pausbed.1097723

Cited By: 2

Abstract

Financial literacy is one of the human capitals that contributes to influencing the financial attitudes and behaviors of individuals. In parallel with the development of Islamic financial products in the world, there is a need to determine and develop Islamic financial literacy levels to support people's financial decision making. Based on these mentioned, the purpose of this study is to detect the Islamic financial literacy levels of individuals living in the city center of Tokat, aged 18 and over and having different demographic characteristics. Accordingly, the research was conducted face-to-face and electronically using survey data obtained from 389 individuals living in Tokat city center. The hypotheses of the research were tested by applying independent sample t and ANOVA tests, factor analysis, Post-Hoc Tukey analysis and frequency analysis based on different factors. The findings obtained from the analyses revealed that the Islamic financial literacy levels of the participants showed significant differences according to gender, marital status, age, education and income levels. In the research, it was also found that although financial literacy levels of individuals are high, Islamic financial literacy levels are at a low level.

Keywords

Islamic Financial Instruments, Islamic Financial Literacy, ANOVA Test, Independent Sample t Test, Factor Analysis

İSLAMİ FİNANSAL OKURYAZARLIK DÜZEYLERİNİN BELİRLENMESİ: TOKAT İLİ ÜZERİNE BİR ALAN ARAŞTIRMASI

Abstract

Finansal okuryazarlık, bireylerin finansal tutum ve davranışlarını etkilemede katkısı olan beşeri sermayelerden biridir. Dünyada İslami finans ürünlerinin gelişimine paralel olarak, insanların finansal karar vermelerini desteklemek için İslami finansal okuryazarlık düzeylerinin belirlenmesine ve geliştirilmesine ihtiyaç duyulmaktadır. Bu bahsedilenlerden hareketle, bu çalışmanın amacı Tokat il merkezinde yaşayan, 18 yaş ve üzeri ve farklı demografik özelliklere sahip olan bireylerin İslami finansal okuryazarlık düzeylerini tespit etmektir. Bu doğrultuda, araştırma yüz yüze ve elektronik ortamda uygulanarak Tokat il merkezinde yaşayan 389 bireyden elde edilen anket verileriyle yapılmıştır. Araştırmaya ait hipotezler, bağımsız örneklem t ve ANOVA testleri, faktör analizi, Post-Hoc Tukey çözümlemesi ve farklı faktörlere dayalı frekans analizi uygulanarak sınanmıştır. Analizlerden elde edilen bulgular, katılımcıların İslami finansal okuryazarlık düzeylerinin cinsiyet, medeni durum, yaş, eğitim ve gelir düzeylerine göre anlamlı farklılıklar gösterdiğini ortaya koymuştur. Araştırmada ayrıca bireylerin finansal okuryazarlık düzeyleri yüksek olmasına rağmen İslami finansal okuryazarlık düzeylerinin düşük seviyede olduğu tespit edilmiştir.

Keywords

İslami Finansal Araçlar, İslami Finansal Okuryazarlık, ANOVA Testi, Bağımsız Örneklem t Testi, Faktör Analizi

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