LİSE ÖĞRENCİLERİNİN FİNANSAL OKURYAZARLIK DÜZEYLERİNİN BELİRLENMESİNE YÖNELİK BİR ARAŞTIRMA

Öz

Finansal okuryazarlık, temel düzeyde finansal ürünler ve uygulamalar hakkında bilgi sahibi olarak, gündelik hayatta kullanılan finansal araçların seçiminde bilgi temelli kararlar verebilmeyi sağlayan yeterlilik düzeyini ifade etmektedir. Finansal okuryazarlığı oluşturan unsurlar finansal bilgi, finansal tutum ve finansal davranış kapsamında ele alınabilmektedir.

Toplumun geleceğini temsil eden gençler için finansal okuryazarlık düzeyinin yüksek olması önemlidir. Bu kapsamda çalışmanın temel amacı, lise öğrencileri için önemli olan finansal okuryazarlık konusunu teorik olarak incelemek ve Trabzon Ortahisar ilçesinde yer alan liselerde öğrenim gören öğrencilerin finansal okuryazarlık düzeylerini, finansal erişim, bilgi, tutum ve davranışlarından hareketle belirlemektir. Analiz sonucunda, öğrencilerin finansal gelişmelere olan ilgilerinin düşük olduğu ve temel finansal terimler hakkında yeterli bilgiye sahip olmadıkları belirlenmiştir. Ayrıca, öğrencilerin olumlu finansal davranış ve tutumlar sergiledikleri ancak finansal bilgilerinin, tutum ve davranışları üzerinde etkisinin az olduğundan da söz edilebilmektedir.

Anahtar Kelimeler

• Finansal okuryazarlık,finansal erişim,finansal bilgi,finansal tutum ve davranış

Kaynakça

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