İslami Finansal Okuryazarlık ve Helal Okuryazarlık İlişkisi

Yıl 2019, Sayı: 86, 57 - 73, 31.05.2019

Sema Taşpunar Altunbaş

Öz

İslami finansal okuryazarlık, kapsayıcılığı artırmak için önemli bir araç olarak kabul edilmiştir. Ancak bugüne kadar, İslami finansal okuryazarlık için gerekli yapılar, her ne kadar literatürde böyle bir girişimde bulunulmuş olsa da, yeterince incelenmemiştir. Bu nedenle, İslami finansal okuryazarlık ve onun belirleyicileri için yapıları geliştirmek amaçlamaktadır. İslami finans ile doğrudan ilişkili olan helal iş kavramı sadece helal malzemeler ve üretim ile ilgili değildir. Helal ürün üretimine odaklanmanın yanı sıra, doğru Helal işletmecileri, İslami finansman olarak adlandırılan Helal finansmanı benimsemeye de odaklanmalıdır. Ancak öncesinde, iş kullanıcıları arasında Helal ve İslami finansmanın farkındalık, bilgi ve beceri düzeylerinin değerlendirilmesi gerekir. Bu çalışma, Helal Okuryazarlık ve İslami Finansal Okuryazarlığın, İslami finansın benimsenmesine yönelik helal ticaret üreticilerinin davranışlarına bir köprü oluşturmayı amaçlamaktadır. Bu nedenle Helal Okuryazarlık ve İslami Finansal Okuryazarlık için ölçüm ve geçerlilik yaklaşımını önermekte; özellikle Helal Okuryazarlık ve İslami Finansal Okuryazarlık için ölçüm maddelerinin önerilmesinde yeni teorik bilgilere katkıda bulunmaya çalışılmıştır. Bu çalışmanın, politika yapıcılığın tüketiciler arasında, özellikle de Helal ürün üreticisinin bakış açısından okuryazarlık düzeyini anlamalarına yardımcı olması beklenmektedir. Ayrıca bu makale, İslami finansal okuryazarlık düzeyini değerlendirmek için doğrulanmış bir yapı sunarak, topluluğun ve araştırmacıların İslami finansal okuryazarlık alanındaki bilgilerinin genişletmesini de sağlamaktadır.

Anahtar Kelimeler

Finansal okuryazarlık, Finansal bilgi, İslami finansal okuryazarlık, Helal okuryazarlık, İslami finansa

Relationship Between Islamic Financial Literacy and Halal Literacy

Öz

Islamic financial literacy has been recognized as an important tool to increase inclusiveness. However, to date, structures for Islamic financial literacy have not been sufficiently studied, although such an attempt has been made in the literature. Therefore, it aims to develop structures for Islamic financial literacy and its determinants. Halal business is not just about halal ingredients and production. Besides focusing on halal production, the right Halal business operators should also concentrate on adopting Halal financing that is called Islamic financing. However, the assessment of the level of awareness, knowledge and skills of Halal and Islamic financing among business operators should be prepared. However, prior to assessing the awareness, knowledge and skill levels of Halal and Islamic finance among business users should be prepared. This paper aims to bridge the Halal Literacy and Islamic Financial Literacy on the attitude of Halal business producers towards Islamic financing adoption. This study proposes the measurement and validity approach for Halal Literacy and Islamic Financial Literacy. Halal Literacy and Islamic Financial Literacy are two crucial concepts where it can lead to the behavior of person towards its decisions especially in adopting Islamic financing. This study is attempted to contribute towards new theoretical knowledge especially in proposing the measurement items for Halal Literacy and Islamic Financial Literacy. This study also expected to help the policymaker to understand the level of literacy among consumers, especially from Halal business producer’s perspective. In addition, this article provides a validated framework for assessing the level of Islamic financial literacy, which also enables the community and researchers to expand their knowledge of Islamic financial literacy.

Anahtar Kelimeler

Financial literacy, Financial information, Islamic financial literacy, Halal literacy, Islamic finance

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