Kırsalda finansal tabana yayılma: Oltu örneği

Öz

Ekonominin ihtiyaç duyduğu finansal kaynağı yeteri düzeyde temin edebilmesi finansal sistemin etkinliğine bağlıdır. Finansal sistemin etkinliği ise yasal altyapı, düzenleyici/denetleyici kurumların varlığı vb. birçok faktörün yanı sıra bireylerin ve/veya kurumların finansal bilgi düzeylerine ve finansal sistemi kullanabilme düzeylerine bağlıdır. Finansal tabana yayılma özellikle gelişmekte olan ülkeler için önem arz etmektedir. Bu çalışma kırsalda hane halkının finansal tabana yayılma düzeyini incelemektedir. Bu amaç doğrultusunda çalışmada nicel araştırma yöntemi kullanılmıştır. Veriler Erzurum ili, Oltu ilçesinde 390 katılımcıyla yüz yüze anket tekniğiyle toplanmıştır. Araştırmadan elde edilen bulgulara göre, bölgede finansal erişim ve finansal katılım düzeyinin düşük olduğu, eğitim seviyesinin bu durumun önemli bir belirleyicisi olduğu tespit edilmiştir. Bu çalışma finansal tabana yayılmanın kırsal kesimde nasıl algılandığı ile ilgili bir örnek niteliğindedir.

Anahtar Kelimeler

• Finansal Tabana Yayılma
• Finansal Gelişmişlik
• Erzurum

Financial inclusion in rural area: The case of Oltu

Öz

The ability of the economy to obtain sufficient financial resources depends on the efficiency of the financial system. The effectiveness of the financial system, on the other hand, depends on many factors such as legal infrastructure, the existence of regulatory/supervisory institutions, as well as the financial knowledge levels of individuals and/or institutions, and their ability to use the financial system. Financial inclusion is particularly important for developing countries. This study examines the level of financial inclusion of households in rural areas. For this purpose, quantitative research method was used in the study. Data were collected from 390 participants in the Oltu district of Erzurum province by face-to-face questionnaire technique. According to the findings of the research, it has been determined that the level of financial access and financial participation is low in the region, and the level of education is an important determinant of this situation. This study is an example of how financial inclusion is perceived in rural areas.

Anahtar Kelimeler

• Financial Inclusion
• Financial Development
• Erzurum

Kaynakça

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