İŞÇİLERDE FİNANSAL OKURYAZARLIK: FİNANSAL BİLGİ, TUTUM VE DAVRANIŞ EKSENLİ BİR ARAŞTIRMA

Yıl 2018, Cilt: 1 Sayı: 2, 61 - 71, 30.06.2018

Bünyamin Er , Mücahid Çetintaş

Öz

Bireyler gerek gündelik yaşamda

gerekse uzun dönemli planlarda ev

bütçesi, çocuklarının eğitim masrafları,

yatırımları ve emekliliklerini planlamaya

kadar finansal kararlar almaktadırlar. Bu

kararların alınabilmesi için belirli bir

bilgi düzeyine ve erişime sahip olunması

gerekmektedir. Bu bağlamda finansal

okuryazarlık bireylerin, basit ekonomik

hesaplamaları yapabilmesinden, finans

bütçesini yönetebilmesine, sermaye

piyasasına katılımından bireysel emeklilik

planlarına kadar finansal kararlarını vermede

etkili olmaktadır. Bu araştırmada da çalışan

kesimin önemli bir kısmını oluşturan

işçilerin finansal okuryzarlık düzeyleri

araştırılmıştır. 298 işçi üzerinde yürütülen

anket çalışması sonucunda işçilerin,

günlük iş ve işlemleri açısından finansal

okuryazarlık düzeylerinin nisbeten yüksek

olduğu sonucuna ulaşılmıştır. Bununla

birlikte işçilerin tasarruf eğilimlerine

doğrudan katkı yapacak gelecekle ilgili

planlamalar noktasında yetersiz bir bilgi,

tutum ve davranış düzeyine sahip oldukları

yönünde bulgular elde edilmiştir.

Anahtar Kelimeler

Finansal okuryazarlık, İşçiler, tasarruf

Kaynakça

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