Construction of a Regional Financial Inclusion Index in Turkey

Yıl 2013, Cilt: 7 Sayı: 1, 79 - 101, 01.06.2013

Recep Yorulmaz

Öz

yıllarını kapsayan, yedi yıllık finansal içerme indeksi hesaplamaktır. Bu çok boyutlu ve yedi yıllık indeks ile Türkiye’deki bölgeleri ve illeri finansal içerme bazında birbirleriyle göreceli karşılaştırma imkanı da elde edilmiş olacaktır. Türkiye bazındaki finansal ulaşım göstergeleri kullanılarak 0 ile 1 rakamları arasındaki değerlerle finansal içerme derecesini gösteren bir indeks hesaplanmış olacaktır. Bulunan ampirik sonuçlara göre; bölgesel ve il bazında finansal içerme oranları söz konusu bölge ve illerin gelişmişlik düzeyleriyle doğru orantılıdır. İstanbul gibi gelişmiş bölgeler yüksek finansal içerme oranlarına sahipken; Güney Doğu Anadolu gibi bölgelerin finansal içerme oranları düşük bulunmuştur. Kanun yapıcıların bu sonuçları esas alarak yapacakları yeni düzenlemelerle bireylerin finansal araçları kullanımı arttırılıp, ekonomiye daha fazla dahil olmaları sağlanmalıdır

Anahtar Kelimeler

Finansal İçerme, Finansal ve Ekonomik Kalkınma, Türkiye

Construction of a Regional Financial Inclusion Index in Turkey

Öz

This paper examines a multidimensional measurement of financial inclusion to gauge the extent of financial system across time in Turkey. A multidimensional index of financial inclusion has been developed to allow for comparison among regions and provinces of Turkey in terms of financial inclusion for policymakers. Financial access indicators are used to construct and index lying between 0 and 1. The normalized indicators are than extracted by the Euclideandistance formula. The empirical results show that financial inclusion values are parallel to the income levels of the regions and provinces. The high income level regions and provinces tend to have higher levels of financial inclusion and vice versa. These results should be primarily used by policymakers for future reference of the new legislations of financial inclusion

Anahtar Kelimeler

Financial Inclusion, Financial and Economic Development, Turkey

Kaynakça

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