A Research on the Effect of Consumers' Demographic Characteristics on Their Financial Literacy Level

Abstract

As financial markets have evolved, complex financial products and services have emerged that are difficult to understand for uninformed consumers. The liberalization of the market with such complex products and services and the increasing need for financial information due to increased competition have led researchers to focus on measuring the effects of financial literacy on financial decisions. In this measurement, researchers draw attention to the fact that many factors can be effective on financial literacy. Demographics are one of these factors, and there are many indications of its impact on financial literacy. In this study, it was aimed to determine the effects of demographic characteristics of undergraduate and associate degree students continuing their education at Konya Technical University on their financial literacy levels. Demographic characteristics such as gender, age, education level, and income status were discussed. Convenience sampling method, which is one of the non-random sampling techniques, was used in the study. 362 questionnaires were included in the study. As a result, it has been determined that demographic characteristics are effective on financial literacy.

Keywords

• Consumer
• Demographics
• Financial Literacy

Tüketicilerin Demografik Özelliklerinin Finansal Okuryazarlık Düzeylerine Etkisi Üzerine Bir Araştırma

Öz

Finansal piyasalar geliştikçe, yeterli bilgi düzeyine sahip olmayan tüketiciler için anlaşılması zor olan karmaşık finansal ürün ve hizmetler ortaya çıkmıştır. Piyasanın bu kadar karmaşık ürün ve hizmetlerle serbestleşmesi ve artan rekabet nedeniyle finansal bilgiye olan ihtiyacın artması, araştırmacıların finansal okuryazarlık düzeyinin finansal kararlar üzerindeki etkilerini ölçmeye odaklanmasını sağlamıştır. Bu ölçümde araştırmacılar birçok faktörün finansal okuryazarlık üzerinde etkili olabileceğine dikkat çekmektedir. Demografik özellikler bu faktörlerdendir ve finansal okuryazarlık üzerindeki etkisine dair birçok gösterge vardır. Bu çalışmada, Konya Teknik Üniversitesi' nde eğitimlerine devam eden lisans ve önlisans öğrencilerinin demografik özelliklerinin finansal okuryazarlık düzeylerine etkisinin belirlenmesi amaçlanmıştır. Demografik özelliklerden cinsiyet, yaş, eğitim durumu ve gelir durumu ele alınmıştır. Araştırmada tesadüfi olmayan örnekleme tekniklerinden biri olan kolayda örnekleme yöntemi kullanılmıştır. Araştırmaya 362 anket dahil edilmiş ve analizleri yapılmıştır. Analizlerde SPSS 25.0 programı kullanılmıştır. Sonuç olarak, demografik özelliklerin finansal okuryazarlık üzerinde etkili olduğu tespit edilmiştir

Anahtar Kelimeler

• Tüketici
• Demografik Özellikler
• Finansal Okuryazarlık

Kaynakça

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