BİREYSEL YATIRIMCILARIN FİNANSAL OKURYAZARLIK VE FİNANSAL RİSK ALMA TOLERANSI

Yıl 2022, Sayı: 89, 379 - 399, 03.03.2022

Yusuf Bahadır Kavas , Mustafa Kenan Erkan

Öz

Bu çalışma finansal okuryazarlık düzeyinin finansal risk iştahı üzerindeki etkilerinin
belirlenmesi ve demografik değişkenler arasında finansal okuryazarlık düzeyinde ve finansal
risk iştahında oluşabilecek farklılıkların tespiti amacıyla yapılmıştır. Anket aracılığıyla kişilerin finansal risk iştahları
ve finansal okuryazarlık düzeyleri belirlenmeye çalışılmıştır. Bu kapsamda toplamda
448 adet katılımcı çalışmaya katılmıştır. Çalışmadan elde edilen bulgulara göre
bireylerin finansal okuryazarlık düzeyleri finansal risk iştahlarını etkilemektedir.
Finansal okuryazarlık düzeyi arttıkça bireylerin finansal risk alma iştahının arttığı belirlenmiştir.
Erkeklerin finansal okuryazarlık düzeyleri ve finansal risk iştahları kadınlarınkinden yüksektir.
Evli olanların bekârlara kıyasla finansal
okuryazarlık seviyesinde anlamlı farklılığın olduğu ve evli olanların bekâr olanlardan
daha yüksek finansal okuryazar olduğu söylenebilir. Evli ve bekârların finansal
risk iştahlarında anlamlı farklılık bulunmamıştır.
Yaşın, eğitim seviyesinin, çocuk sahibi olmanı ve gelir düzeyinin finansal okuryazarlık seviyesinde
anlamlı farklılık oluşturduğu; ancak
finansal risk iştahı almada bireyler arasında anlamlı farklılığın oluşmadığı görülmüştür.
Bu sonuçtan hareketle demografik değişkenlerin finansal okuryazarlık seviyelerinde
önemli farklılıkları oluşturduğunu ancak cinsiyet dışındaki diğer demografik değişkenlerin
finansal risk iştahında anlamlı bir farklılık oluşturmadığı ifade edilebilir. Bunun
yanında finansal okuryazarlık düzeylerindeki artış ile bireylerin kendilerine daha fazla
güven duydukları düşünülmektedir. Kendilerine daha fazla güvenen bireylerin finansal
risk alma konusunda daha cesaretli davrandıkları çıkarımı yapılabilir.

Anahtar Kelimeler

Finans, Finansal risk alma; Finansal okuryazarlık, Risk toleransı, Demografik değişkenler.

Kaynakça

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