Finansal Okuryazarlıkta Cinsiyet Eşitsizliği: Bir Meta Analiz Çalışması

Year 2024, , 97 - 123, 30.07.2024

Haşmet Sarıgül

https://doi.org/10.17233/sosyoekonomi.2024.03.06

Abstract

Dünya genelinde çok sayıda çalışmanın bulguları; yaş, eğitim düzeyi ve sosyoekonomik statüden bağımsız olarak, kadınlar aleyhine finansal okuryazarlık seviye farkının olduğuna işaret etmektedir. Türkiye’ye yönelik araştırmalarda ise, genellikle cinsiyet değişkenler arasında yer almasına karşın, yazar tarafından bilindiği kadarıyla, bunlardan hiçbirisi özellikle cinsiyet farklılığına odaklanmamıştır. Bu araştırma ilgili çalışmaların sonuçlarını meta-analiz teknikleri kullanmak suretiyle tek bir ölçümde birleştirmektedir. Araştırma bulguları Türkiye’de finansal okuryazarlık konusunda kadınlar aleyhine istatistiksel olarak anlamlı fark olduğunu ortaya koymuştur. Çoğu zaman cinsiyetler arası ücret farkına maruz kalan, daha fazla istihdam kesintisiyle karşılaşan ve daha uzun yaşama eğiliminde olan kadınlar için finansal okuryazarlık son derece önemlidir. Çalışmanın sonuçları ve kadınların dezavantajlı konumları bir arada değerlendirildiğinde, finansal okuryazarlık düzeylerinin yükseltilmesine yönelik kapsayıcı eğitim politikalarının oluşturulmasının ve uygulanmasının yararlı olacağı anlaşılmaktadır.

Keywords

Finansal Okuryazarlık, Cinsiyet Eşitsizliği, Meta Analiz, Türkiye

Financial Literacy Gender Gap: A Meta-Analysis

Abstract

Several studies around the world identify a gender gap in financial literacy against women regardless of age, education level, and socioeconomic status. Although gender is included as one of the variables in many studies focusing on Türkiye, as far as we know, none of them particularly has examined the gender difference. This paper integrates the outputs of these studies in terms of gender and combines them into one measure by conducting meta-analysis techniques. The results reveal a gender gap in financial literacy among women. Financial literacy is essential for women who mostly experience the gender pay gap, face more significant employment interruption challenges and tend to live longer than men. Given those issues, this study highlights implementing inclusive education policies and establishing comprehensive, long-term education programs to improve women’s financial literacy.

Keywords

Financial Literacy, Gender-Gap, Meta-Analysis, Türkiye

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