Kadınların Yaşadıkları Finansal Sıkıntılar ve Çözüm Önerileri Üzerine Bir Araştırma

Yıl 2026, Sayı: 24, 71 - 81, 18.01.2026

Salim Sercan Sarı , Turgut Karabulut

Öz

Kadınların karşı karşıya kaldıkları ekonomik sıkıntı ve finansal zorlukların temel nedenlerini inceleyen araştırmalar popüler hale gelmektedir. Bu araştırmada kadınların yaşadıkları finansal sıkıntıları ve söz konusu sıkıntıların nedenlerini ortaya koyduktan sonra çözüm önerileri sunarak kadınların finansal refahını artırmalarını sağlamak amaçlanmıştır. Veri toplama kısmında kullanılan finansal sıkıntı anketi Erzincan ilinde yaşayan kadınlara uygulanmıştır. Bu veriler SPSS 27 programından faydalanılarak analiz edilmiştir. Verilerin analizinde güvenirlik, faktör, bağımsız örneklem t testi ve tek yönlü varyans analizleri kullanılmıştır. Elde edilen bulgularda kadınların medeni durumları, eğitim durumları, çalışma durumları ve konut mülkiyet durumları ile yaşanan finansal sıkıntı arasında anlamlı farklılıklar tespit edilmiştir. Kadınların finansal bilgi düzeylerinin yeteri düzeyde olduğu ortaya konmuştur. Ayrıca ikili ilişkilerde, fiziksel ve psikolojik durumlarda, kredi kartı kullanımında ve fatura ödemelerindeki sıkıntıların düşük düzeyde olduğu saptanmıştır. Sonuçta ise genel olarak finansal sıkıntı yaşama düzeylerinin düşük olduğu görülmüştür.

Anahtar Kelimeler

Finansal Sıkıntı , Finansal Refah , Kadın , Erzincan , İstatistiksel Analiz

Etik Beyan

Erzincan Binali Yıldırım Üniversitesi Sosyal ve Beşeri Bilimler Etik Kurulu, 25.10.2023 tarih ve 09/10 sayılı evrak kaydı ile etik kurul onayı alınmıştır.

A Study on The Financial Distress Faced by Women and Possible Solutions

Öz

Research examining the root causes of the economic hardships and financial distress faced by women has been gaining popularity. The aim of this study is to identify the financial distress experienced by women and their underlying causes, and subsequently propose solutions to enhance women’s financial well-being. The financial distress questionnaire used for data collection was administered to women living in Erzincan. The data were analyzed using SPSS 27 software. Reliability analysis, factor analysis, independent samples t-test, and one-way ANOVA were employed in the analysis. The findings revealed significant differences in financial distress based on women’s marital status, education level, employment status, and housing ownership status. It has been revealed that women’s financial knowledge levels are sufficient. Moreover, it has been determined that difficulties in interpersonal relationships, physical and psychological conditions, credit card use, and bill payments are at a low level. Consequently, it has been observed that, in general, their level of experiencing financial difficulties is low.

Anahtar Kelimeler

Financial Distress , Financial Well-Being , Woman , Erzincan , Statistical Analysis

Etik Beyan

Ethics committee approval was obtained from the Erzincan Binali Yıldırım University Social and Human Sciences Ethics Committee with document registration number 09/10 dated 25.10.2023.

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