Financial Security Perceptions of Informally Employed Women: An Example From Rural Erzurum

Year 2025, Volume: 39 Issue: 4, 421 - 429

Serpil Sumer Adin , Hilal Mola

https://doi.org/10.16951/trendbusecon.1557400

Abstract

Informal employment is seen as a global problem. Although there are efforts to reduce informal employment, the informal employment rate is gradually increasing, and this increase brings with it many disadvantages. In this study, the financial security perceptions of women working informally in rural areas were investigated. An attempt was made to find answers to the questions: “what do informal women workers know about financial security?” and “what is the meaning of financial security for them?” In this paper, which is a qualitative research type, data were collected using the interview technique. As a result of the study, it was concluded that the main reason for informal work in rural areas is economic problems and depending on the level of education, women do jobs that do not require expertise . The point that distinguishes this study from similar studies in the literature is that it investigates the working reasons and financial security perceptions of women who are informally employed in rural areas. In this research, in which economics problems and education level were identified as the reasons for informal employment, it is proposed hat the provision of financial literacy education at school at an early age will contribute to financial security and financial freedom, and reduce the individual's economic worry and anxiety about the future.

Keywords

Financial security , informal employment , women , Financial literacy

Ethical Statement

The ethics committee approval for the study was obtained from the Atatürk University Social and Human Sciences Ethics Committee on 11.08.2023 with the document numbered E-88656144-000-2300246915.

Kayıt Dışı Çalışan Kadınların Finansal Güvenlik Algıları: Erzurum Kırsalından Bir Örnek

Abstract

Kayıt dışı istihdam küresel bir sorun olarak görülmektedir. Kayıt dışı istihdamı azaltmaya yönelik çalışmalar olmasına rağmen kayıt dışı çalışma sayısı giderek artmaktadır. Kayıt dışı istihdamın pek çok dezavantajları bulunmaktadır. Bu çalışmada, kırsalda kayıt dışı çalışan kadınların finansal güvenlik algıları araştırılmıştır. Çalışmada kayıt dışı çalışan kadınlar finansal güvenlik hakkında neler bilmektedir ve finansal güvenliğin onlar için ifade ettiği anlam nedir? sorularına yanıt aranmaya çalışılmıştır. Nitel araştırma yöntemi ile yapılan çalışmada görüşme tekniği ile veriler toplanmıştır. Çalışma sonucunda kırsalda kayıt dışı çalışan kadınların çalışmasının temel nedeni maddi sıkıntılar olarak belirlenmiştir. Ayrıca kırsalda kayıt dışı çalışan kadınların, eğitim seviyesine bağlı olarak uzmanlık gerektirmeyen işlerde çalıştıkları da ortaya koyulmuştur. Bu çalışmayı literatürdeki benzer çalışmalardan ayıran nokta, kırsalda kayıt dışı çalışan kadınların çalışma nedenleri ile finansal güvenlik algılarının araştırılmış olmasıdır. Maddi problemlerin ve eğitim seviyesinin kayıt dışı çalışmanın nedeni olarak belirlendiği bu çalışmada, finansal okuryazarlık eğitiminin erken yaşlarda okulda verilmesinin finansal güvenliğe ve finansal özgürlüğe katkı sağlayarak bireyin gelecekle ilgili ekonomik endişe ve kaygısını azaltacağı öngörülmektedir.

Keywords

Finansal güvenlik , kayıt dışı istihdam , kadın , finansal okuryazarlık

Ethical Statement

Çalışmanın etik kurul izni Atatürk Üniversitesi Sosyal ve Beşerî Bilimler Etik Kurulu Başkanlığı’ndan 11.08.2023 tarihinde E-88656144-000-2300246915 sayılı belge ile alınmıştır.

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