Finansal Okuryazarlık, Helal Farkındalığı ve İslami Finansın Kesişim Noktalarının Haritalandırılması: Web of Science Tabanlı Bibliyometrik Bir İnceleme

Yıl 2025, Cilt: 22 Sayı: 5, 897 - 909, 30.09.2025

Huseyin Ergun

https://doi.org/10.26466/opusjsr.1696692

Öz

Bu çalışma, finansal okuryazarlık, helal okuryazarlık ve İslami finans alanlarında yapılan akademik yayınları Web of Science (WoS) veri tabanı üzerinden analiz etmeyi amaçlamaktadır. Çalışma kapsamında toplam 2,474 makale değerlendirilmiş; analiz sürecinde Biblioshiny R paketi ve VOSviewer yazılımı kullanılarak bibliyometrik yöntemler uygulanmıştır. Yayın eğilimleri, öncü yazarlar, tematik kümelenmeler ve iş birliği ağları gibi birçok boyutta alan yazına ilişkin kapsamlı bir haritalama sunulmaktadır. Bu konular yalnızca akademik ilgi alanları olmanın ötesinde, bireylerin hayatlarını doğrudan etkileyen pratik öneme sahiptir. Örneğin, helal yollarla işini büyütmek isteyen bir esnaf, İslami finans araçları hakkında yeterli bilgiye sahip olmadığında uygun çözümlere ulaşamayabilir. Ya da ailesinin geleceği için İslami ilkelere uygun yatırım yapmak isteyen bir ev hanımı, nereden başlayacağını bilemeyebilir. Bu çalışma doğrudan hedef kitleye ulaşım düzeyini değerlendirmese de, bibliyometrik bulgular helal farkındalığı ve İslami finansal okuryazarlık temalarının mevcut akademik literatürde yeterince temsil edilmediğini göstermektedir. Nitekim, yalnızca Türkiye özelinde değerlendirildiğinde bile finansal okuryazarlık oranının %23,6 seviyesinde olması (FODER, 2023), ilgili grupların akademik bilgiden faydalanma olanaklarını ciddi biçimde kısıtlamaktadır. Bu bağlamda, çalışmanın yalnızca akademik çevreler için değil; finansal kurumlar, eğitimciler ve politika yapıcılar için de yol gösterici nitelikte anlamlı katkılar sunması beklenmektedir. Alandaki eğilimleri, boşlukları ve gelişen temaları ortaya koyarak, akademik bilgi ile toplumun reel ihtiyaçları arasındaki boşluğu doldurmayı amaçlamaktadır.

Anahtar Kelimeler

Finansal Okuryazarlık , Helal Okuryazarlık , Bibliometrik Analiz , İslami Finans , Finans

Mapping the Intersection of Financial Literacy, Halal Awareness, and Islamic Finance: A Bibliometric Review from Web of Science

Öz

This study aims to conduct a comprehensive bibliometric analysis of academic research on financial literacy, halal literacy, and Islamic finance using data extracted from the Web of Science (WoS) database. A total of 2,474 articles were analyzed through bibliometric methods utilizing the Biblioshiny R-package and VOSviewer software. The analysis explores publication trends, key authors, thematic clusters, and collaborative networks in these intersecting fields. Beyond its academic scope, this study addresses a real-world gap that affects the financial well-being of individuals striving to align their financial decisions with Islamic principles. For example, a tradesperson may wish to expand their business through halal financing but lacks sufficient knowledge of Islamic financial instruments. Similarly, a housewife may intend to invest for her family's future in a Shari’ah-compliant manner but is unsure where to begin. While this study does not evaluate audience engagement directly, bibliometric findings suggest that themes related to halal awareness and Islamic financial literacy are underrepresented in the current academic discourse. Furthermore, even in countries like Türkiye, where financial literacy stands at only 23,6% (FODER, 2023), the lack of accessible academic dissemination further limits the potential impact of scholarly work on public financial behavior. Therefore, this study not only contributes to the academic mapping of the field but also seeks to inform financial institutions, educators, and policy makers in designing more inclusive and targeted strategies. By revealing patterns, gaps, and emerging trends, the study aims to bridge the disconnect between academic research and practical financial needs in Muslim-majority societies.

Anahtar Kelimeler

Financial Literacy , Helal Literacy , Bibliometric Analysis , Islamic Finance , Finance

Kaynakça

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