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Bazı Sosyo-Demografik Değişkenler Açısından Kamu Çalışanlarının Finansal Okuryazarlık Düzeylerinin İncelenmesi

Year 2020, Issue: 43, 95 - 109, 01.02.2020

Abstract

Son günlerde finansal araç çeşitliliğinin artması ve finansal derinleşmeyle birlikte finansal faktörlerin ekonomik büyüme ve kalkınma üzerindeki etkisi daha önemsenir hale gelmiştir. Finansal piyasalarda başarılı olabilmek ve kaynakları etkin kullanabilmek için hane halkına kadar öğrenilmiş bir finansal okuryazarlığa ihtiyaç bulunmaktadır. Bu anlamda finansal okuryazarlık kavramı araştırmacılar tarafından önem kazanan bir konu haline gelmeye başlamıştır. Bireylerin gelir ve gider dengelerini sağlama, tasarruf yapabilme, yani parayı yönetebilme yeterliliği olarak da ifade edilen finansal okuryazarlık; finansal yönetim hakkında yeterli bilgiye sahip olmayı gerekli kılmaktadır. Finansal okuryazarlık sayesinde bireyler, hem finansal araçlar hakkında doğru bilgiye sahip olmakta hem de tasarrufun sağladığı kazanımlarla birlikte daha sağlıklı finansal kararlar verebilmektedirler. Finansal okuryazar bir birey, gelir- gider dengesini sağlayabilen, bütçe hazırlayabilen, geleceğe yönelik tasarruf yapabilen ve borcu yönetebilen bir kişidir. Finansal okuryazarlık bireysel finansmanda olumlu etkiler yarattığı için toplumsal finansmanın dengesinin sağlanmasında da olumlu katkılar sağlamaktadır. Bu çalışma, Konya ili Beyşehir ilçesi kamu çalışanların bazı sosyo-demografik özelliklerine cinsiyet, medeni durum, yaş, meslek ve eğitim durumu göre finansal okuryazarlık düzeylerinin incelenmesi amacıyla yapılmıştır. Bu kapsamda Konya ili Beyşehir ilçesinde görev yapan toplamda 203 kamu çalışanına 7’si kişisel bilgi formu, 62’si finansal okuryazarlığa ait olmak üzere toplam 69 soruluk bir anket yöneltilmiştir. Verilen cevaplar SPSS paket programında frekans, yüzde, ortalamalar ile t testi, Anova ve ki-kare testleri analiz edilerek yorumlanmıştır. Araştırma sonuçlarına göre katılımcıların cinsiyet, meslek, yaş, medeni durum ve eğitim durum değişkenlerine göre finansal işlem tutum ve davranışlarında, temel finansal kavramları bilme düzeylerinde ve finansal yatırım tercihlerinde istatistiksel olarak bazı anlamlı farklılıklar saptanmıştır. Akademisyen ve memurların, öğretmen ve işçilere göre finansal kavram bilgi düzeylerinin daha yüksek olduğu p

References

  • Abreu, M. and Mendes, V. (2010). “Financial literacy and portfolio diversification”, Quantitative finance, 10(5), 515-528.
  • Adeleke, T. (2013). “Effects of Gender and Gender Role on the Financial Literacy of College Students”, Doctoral dissertation, Oklahoma State University.
  • Ansong, A. and Gyensare, M. A. (2012). “Determinants of university working-students’ financial literacy at the University of Cape Coast, Ghana”, International Journal of Business and Management, 7(9), 126.
  • Antepli, A. ve Kılınç, E. (2018). “Üniversite Öğrencilerinin Finansal Okuryazarlık Düzeyleri Belirlenmesi Üzerine Bir Araştırma: Beyşehir AA İşletme Fakültesi Örneği”, Journal of Social and Humanities Sciences Research (JSHSR), 5(29), 3620-3629.
  • Atkinson, A. and Messy, F. A. (2012). “Measuring financial literacy”. URL: www.oecd.org/daf/fin/wp, E.T. 26.11.2018
  • Beal, D. J. and Delpachitra, S. B. (2003). “Financial literacy among Australian university students”, Economic Papers: A journal of applied economics and policy, 22(1), 65-78.
  • Bönte, W. and Filipiak, U. (2012). “Financial literacy, information flows, and caste affiliation: Empirical evidence from India”, Journal of Banking and Finance, 36(12), 3399–3414
  • Brown, Amy and Kimberly Gartner (2007), “Early Intervention and Credit Cardholders: Results of Efforts to Provide Online Financial Education to New-to-Credit and At-Risk Consumers,” Center for Financial Services Innovation, Chicago, IL.
  • Chen, H. and Volpe, R. P. (2002). “Gender differences in personal financial literacy among college students”, Financial services review, 11(3), 289-308.
  • Chen, H. and Volpe, R. P. (1998). “An analysis of personal financial literacy among college students”, Financial services review, 7(2), 107-128.
  • Chinen, K. and Endo, H. (2012). “Effects of attitude and background on personal financial ability: A student survey in the United States”, International Journal of Management, 29(1), 33.
  • Cude, B., Lawrence, F., Lyons, A., Metzger, K., Lejeune, E., Marks, L. and Machtmes, K. (2006). “College students and financial literacy: What they know and what we need to learn”, Proceedings of the Eastern Family Economics and Resource Management Association, 102(9), 106-109.
  • Dağdelen, T. (2017). “Finansal okuryazarlık düzeyinin belirlenmesi ve Aydın ilindeki serbest muhasebeci mali müşavirler üzerine bir uygulama”, Yayımlanmamış Yükseklisans tezi, Adnan Menderes Üniversitesi, Sosyal Bilimler Enstitüsü.
  • Danışman, E., Sezer, D. ve Gümüş, U. T. (2016). “Finansal Okuryazarlık Düzeyinin Belirlenmesi: Üniversite Öğrencileri Üzerine Bir Araştırma”, Kara Harp Okulu Bilim Dergisi, 26(2), 1-37.
  • Disney, R. and Gathergood, J. (2013). “Financial literacy and consumer credit portfolios”. Journal of Banking & Finance, 37(7), 2246-2254.
  • Doğanalp, O. Ç. N. (2011). “Küresel Finansal Krizin Temel Kalkınma Göstergeleri Üzerindeki Etkisi: Türkiye Örneği”, Political Economy, Crisis and Development (Politik İktisat, Kriz ve Kalkınma), 219.
  • Ergün, B., Şahin, A. ve Ergin, E. (2014). “Finansal Okuryazarlık: İşletme Bölümü Öğrencileri Üzerine Bir Çalışma”, Journal of International Social Research, 7(34), 847-864.
  • Hogarth , J.M. (2002). “Financial Literacy and Family and Consumer Sciences”, Journal of Family and Consumer Sciences, 94(1), 15-28.
  • Kılıç, Y., Ata, H. A. ve Seyrek, İ. H. (2015). “Finansal okuryazarlık: Üniversite öğrencilerine yönelik bir araştırma”, Muhasebe ve Finansman Dergisi, (66), 129-150.
  • Kieschnick, Danika A. Financial Knowledge Levels and Savings Behaviors of Bermudian High School Seniors at CedarBridge Academy. Iowa State University, 2006.
  • Louw, J., Fouché, J. and Oberholzer, M. (2013). “Financial literacy needs of South African third-year university students”, The International Business & Economics Research Journal (Online), 12(4), 439.
  • Lusardi, A., Mitchell, O. S. and Curto, V. (2010). “Financial literacy among the young”, Journal of consumer affairs, 44(2), 358-380.
  • Lusardi, A. and Olivia S. M. (2007). “Financial Literacy and Retirement Preparedness: Evidence and Implications for Financial Education”, Business Economics, 35-44pp, January.
  • Mason, Carolynne L. J. and Richard M. S. Wilson. (2000). “Conceptualising Financial Literacy”, Loughborough University Business.
  • PACFL, (2008), President's Advisory Counsil on Financial Literacy, Annual Report to the President.
  • Remund, D.L. (2010). “Financial Literacy Explicated: The Case for a Clearer Definition in an Increasingly Complex Economy”, The Journal of Consumer Affairs, Vol. 44, No. 2, pp. 276-295.
  • Reyes, R. L. (2006). “The Psychological Meanings of Money”. Unpublished PhD Thesis, Alliant Internaional University.
  • Sohn, S. H., Joo, S. H., Grable, J. E., Lee, S. and Kim, M. (2012). “Adolescents’ financial literacy: The role of financial socialization agents, financial experiences, and money attitudes in shaping financial literacy among South Korean youth”, Journal of Adolescence, 35(4), 969-980.
  • Temizel, F. (2010). “Mavi Yakalılarda Finansal Okuryazarlık”, İstanbul: Beta Basım Yayım Dağıtım.
  • Temizel, F. ve Bayram, F. (2011). “Finansal okuryazarlık: Anadolu üniversitesi İktisadi İdari Bilimler Fakültesi (İİBF) öğrencilerine yönelik bir araştırma”, CÜ İktisadi ve İdari Bilimler Dergisi, 12(1), 73-86.
  • Wagland, S. P. and Taylor, S. (2009). “When it comes to financial literacy, is gender really an issue?” Australasian Accounting, Business and Finance Journal, 3(1), 3.
  • https://www.teb.com.tr/document/finansal-okuryazarlik-ve-erisim-endeksi.pdf, E.T. : 30.01.2019

Investigation of the Financial Literacy Levels of Public Employees on Some of the Socio-Demographic Variables

Year 2020, Issue: 43, 95 - 109, 01.02.2020

Abstract

Recently, with the increasing diversity of financial instruments and financial deepening, the impact of financial factors on economic growth and development has become more important. In order to be successful in financial markets and to use the resources effectively, a learned financial literacy up to the household is needed. In this sense, the concept of financial literacy has become an important topic for researchers. Financial literacy, which is also referred to as the ability of individuals to maintain income and expense balances, to make savings, that is to manage money, requires sufficient knowledge of financial management. Thanks to financial literacy, individuals both have the right information about financial instruments and can make healthier financial decisions together with the gains of savings. A financial literate individual is a person who can achieve income-expense balance, prepare a budget, make savings for the future and manage debt. Since financial literacy has positive effects on individual financing, it also contributes positively to the balance of social finance. This study was conducted to examine the financial literacy levels of public employees in Beyşehir district of Konya according to some socio-demographic characteristics gender, marital status, age, occupation and educational status . In this context, 203 public employees working in Beyşehir district of Konya were applied a questionnaire of 69 questions, 7 of which were personal information forms and 62 of which were financial literacy. The answers were interpreted by analyzing the frequency, percentage, t test, Anova and chi-square tests in SPSS package program. According to the results of the research, some statistically significant differences were found in participants' financial attitudes and behaviors, knowledge of basic financial concepts and financial investment preferences according to gender, occupation, age, marital status and educational status. It was found that academicians and civil servants had higher level of financial concept knowledge than teachers and workers p 0.05 . According to the results of the research, civil servants considered themselves ‘quite successful med in managing the financial situation compared to other public employees; teachers are more prone to regular money saving than other public employees; it is observed that the workers prefer to accumulate monthly gold more than other public employees

References

  • Abreu, M. and Mendes, V. (2010). “Financial literacy and portfolio diversification”, Quantitative finance, 10(5), 515-528.
  • Adeleke, T. (2013). “Effects of Gender and Gender Role on the Financial Literacy of College Students”, Doctoral dissertation, Oklahoma State University.
  • Ansong, A. and Gyensare, M. A. (2012). “Determinants of university working-students’ financial literacy at the University of Cape Coast, Ghana”, International Journal of Business and Management, 7(9), 126.
  • Antepli, A. ve Kılınç, E. (2018). “Üniversite Öğrencilerinin Finansal Okuryazarlık Düzeyleri Belirlenmesi Üzerine Bir Araştırma: Beyşehir AA İşletme Fakültesi Örneği”, Journal of Social and Humanities Sciences Research (JSHSR), 5(29), 3620-3629.
  • Atkinson, A. and Messy, F. A. (2012). “Measuring financial literacy”. URL: www.oecd.org/daf/fin/wp, E.T. 26.11.2018
  • Beal, D. J. and Delpachitra, S. B. (2003). “Financial literacy among Australian university students”, Economic Papers: A journal of applied economics and policy, 22(1), 65-78.
  • Bönte, W. and Filipiak, U. (2012). “Financial literacy, information flows, and caste affiliation: Empirical evidence from India”, Journal of Banking and Finance, 36(12), 3399–3414
  • Brown, Amy and Kimberly Gartner (2007), “Early Intervention and Credit Cardholders: Results of Efforts to Provide Online Financial Education to New-to-Credit and At-Risk Consumers,” Center for Financial Services Innovation, Chicago, IL.
  • Chen, H. and Volpe, R. P. (2002). “Gender differences in personal financial literacy among college students”, Financial services review, 11(3), 289-308.
  • Chen, H. and Volpe, R. P. (1998). “An analysis of personal financial literacy among college students”, Financial services review, 7(2), 107-128.
  • Chinen, K. and Endo, H. (2012). “Effects of attitude and background on personal financial ability: A student survey in the United States”, International Journal of Management, 29(1), 33.
  • Cude, B., Lawrence, F., Lyons, A., Metzger, K., Lejeune, E., Marks, L. and Machtmes, K. (2006). “College students and financial literacy: What they know and what we need to learn”, Proceedings of the Eastern Family Economics and Resource Management Association, 102(9), 106-109.
  • Dağdelen, T. (2017). “Finansal okuryazarlık düzeyinin belirlenmesi ve Aydın ilindeki serbest muhasebeci mali müşavirler üzerine bir uygulama”, Yayımlanmamış Yükseklisans tezi, Adnan Menderes Üniversitesi, Sosyal Bilimler Enstitüsü.
  • Danışman, E., Sezer, D. ve Gümüş, U. T. (2016). “Finansal Okuryazarlık Düzeyinin Belirlenmesi: Üniversite Öğrencileri Üzerine Bir Araştırma”, Kara Harp Okulu Bilim Dergisi, 26(2), 1-37.
  • Disney, R. and Gathergood, J. (2013). “Financial literacy and consumer credit portfolios”. Journal of Banking & Finance, 37(7), 2246-2254.
  • Doğanalp, O. Ç. N. (2011). “Küresel Finansal Krizin Temel Kalkınma Göstergeleri Üzerindeki Etkisi: Türkiye Örneği”, Political Economy, Crisis and Development (Politik İktisat, Kriz ve Kalkınma), 219.
  • Ergün, B., Şahin, A. ve Ergin, E. (2014). “Finansal Okuryazarlık: İşletme Bölümü Öğrencileri Üzerine Bir Çalışma”, Journal of International Social Research, 7(34), 847-864.
  • Hogarth , J.M. (2002). “Financial Literacy and Family and Consumer Sciences”, Journal of Family and Consumer Sciences, 94(1), 15-28.
  • Kılıç, Y., Ata, H. A. ve Seyrek, İ. H. (2015). “Finansal okuryazarlık: Üniversite öğrencilerine yönelik bir araştırma”, Muhasebe ve Finansman Dergisi, (66), 129-150.
  • Kieschnick, Danika A. Financial Knowledge Levels and Savings Behaviors of Bermudian High School Seniors at CedarBridge Academy. Iowa State University, 2006.
  • Louw, J., Fouché, J. and Oberholzer, M. (2013). “Financial literacy needs of South African third-year university students”, The International Business & Economics Research Journal (Online), 12(4), 439.
  • Lusardi, A., Mitchell, O. S. and Curto, V. (2010). “Financial literacy among the young”, Journal of consumer affairs, 44(2), 358-380.
  • Lusardi, A. and Olivia S. M. (2007). “Financial Literacy and Retirement Preparedness: Evidence and Implications for Financial Education”, Business Economics, 35-44pp, January.
  • Mason, Carolynne L. J. and Richard M. S. Wilson. (2000). “Conceptualising Financial Literacy”, Loughborough University Business.
  • PACFL, (2008), President's Advisory Counsil on Financial Literacy, Annual Report to the President.
  • Remund, D.L. (2010). “Financial Literacy Explicated: The Case for a Clearer Definition in an Increasingly Complex Economy”, The Journal of Consumer Affairs, Vol. 44, No. 2, pp. 276-295.
  • Reyes, R. L. (2006). “The Psychological Meanings of Money”. Unpublished PhD Thesis, Alliant Internaional University.
  • Sohn, S. H., Joo, S. H., Grable, J. E., Lee, S. and Kim, M. (2012). “Adolescents’ financial literacy: The role of financial socialization agents, financial experiences, and money attitudes in shaping financial literacy among South Korean youth”, Journal of Adolescence, 35(4), 969-980.
  • Temizel, F. (2010). “Mavi Yakalılarda Finansal Okuryazarlık”, İstanbul: Beta Basım Yayım Dağıtım.
  • Temizel, F. ve Bayram, F. (2011). “Finansal okuryazarlık: Anadolu üniversitesi İktisadi İdari Bilimler Fakültesi (İİBF) öğrencilerine yönelik bir araştırma”, CÜ İktisadi ve İdari Bilimler Dergisi, 12(1), 73-86.
  • Wagland, S. P. and Taylor, S. (2009). “When it comes to financial literacy, is gender really an issue?” Australasian Accounting, Business and Finance Journal, 3(1), 3.
  • https://www.teb.com.tr/document/finansal-okuryazarlik-ve-erisim-endeksi.pdf, E.T. : 30.01.2019
There are 32 citations in total.

Details

Primary Language Turkish
Journal Section Research Article
Authors

Erhan Kılınç This is me

Ali Antepli This is me

Publication Date February 1, 2020
Published in Issue Year 2020 Issue: 43

Cite

APA Kılınç, E., & Antepli, A. (2020). Bazı Sosyo-Demografik Değişkenler Açısından Kamu Çalışanlarının Finansal Okuryazarlık Düzeylerinin İncelenmesi. Selçuk Üniversitesi Sosyal Bilimler Enstitüsü Dergisi(43), 95-109.

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