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

Year 2018, Volume: 1 Issue: 2, 61 - 71, 30.06.2018

Bünyamin Er Mücahid Çetintaş

Abstract

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.

Keywords

Finansal okuryazarlık, İşçiler, tasarruf

References

• Altıntaş, K. M., (2009). Belirlenmiş katkı esaslı emeklilik planlarında finansal eğitimin önemi: Katılımcıların finansal okur yazarlığı çerçevesinde alternatif bir yatırım eğitimi modeli. ZKÜ Sosyal Bilimler Dergisi, 15(9), 151–176.Ansong, A. & Gyensare, M. A., (2012). Determinant of university working-students' financial literacy at the university of cape coast, Ghana. International Journal of Business and Management, 7( 9), 126-133.Atkinson, A. & Messy, F. A., (2012). "Measuring financial literacy: results of oecd/ınternational network on financial education (INFE) pilot study. OECD Working Papers on Finance, Insurance and Private Pensions, No: 15. Bacova, M., Concova, M. &Bricova, Z., (2013). “Financial literacy of students ın Slovak Republic. The 7th International Days of Statistics and Economics, 9(3), 51-60.Borden, L.M., Lee, S.A., Serido, J. Collins, D., (2008). Changing college students’ financial knowledge, attitudes, and behavior through seminar participation. Journal of Family and Economic Issues, 29(1), 23-40.Capuano, A. & Ramsay I., (2011). What causes suboptimal financial behaviour? an exploration of financial literacy, social ınfluences and behavioural economics, financial literacy project. Research Report, The University of Melbourne, 220.Civan, M. ve Cenger H., (2010). Finansal yönetim dersini almış öğrencilerin finans eğitimi beklentilerini ölçmeye yönelik yapılan bir çalışma. Muhasebe ve Finansman Dergisi, 46(4), 84-99.Cole, S., Sampson, T. & Zia, B., (2008). Money or knowledge? What drives the demand for financial services in developing countries?. Harvard Business School Working Paper, 9(117), 1-51.Coşkun, R., Altunışık, R., Bayraktaroğlu, S. ve Yıldırım, E., (2005). Sosyal Bilimlerde Araştırma Yöntemleri: SPSS Uygulamalı, Sakarya Kitabevi, Sakarya.Courchane, M. & Zorn, P., (2005). Consumer Literacy and Creditworthiness. http://www.chicagofed.org/digital_assets/others/events/2005/promises_and_pitfalls/paper_literacy.pdf (11.04.2014).Cude, J. B., Lawrence, F., Lyons, A., Metzger, K., LeJeune, E., Marks, L. & Machtmes, K., (2006). College students and financial literacy: What they know and what we need to learn. Eastern Family Economics and Resource Management Association Conference 2006, 102- 109.Duca, J.V. & Kumar, A., (2014). Financial literacy and morgage equity withdrawals. Journal of Urban Economics, 80, 62-75.Ergün, B., Şahin, A. ve Ergin, E., (2014). “Finansal okuryazarlık: İşletme bölümü öğrencileri üzerine bir çalışma. Uluslararası Sosyal Araştırmalar Dergisi, 7(34), 847-864.Garcia, M.T.M., Barros, C. & Silvestre A., (2011). Saving behaviour: Evidence from Portugal. International Review of Applied Economics, 25(2), 225-238.Gathergood, J., (2012). Self-control, financial literacy and consumer over-indebtedness. Journal of Economic Psychology, 33, 590.http://gflec.org/wp-content/uploads/2015/11/Finlit_paper_16_F2_singles.pdfHilgert, M.A & Hogarth, J.M., (2003). Household financial management: The connection between knowledge and behavior. Federal Reserve Bulletin, 89(7), 309-322.İbrahim, E.M. & Alqaydi, R.F., (2013). Financial literacy, personal financial attitude, and forms of personal debt among residents of the UAE. International Journal of Economics and Finance, 5(7), 126-138.Japelli, T., (2010). Financial literacy: An international comparison. Netspar Discussion Papers, 64.Jorgensen, B.L. & Savla, J., (2010). Financial literacy of young adults: The importance of parental socialization. Family Relations, 59(10), 341-478.Klapper, L,, Lusardi, A. & Panos, J.A., (2013). “Financial literacy and ıts consequences: Evidence from Russia during the financial crisis. Journal of Banking & Finance, 37, 3904-3923.Louw, J., Fouche, J. & Oberholzer, M., (2013). Financial literacy needs of South African third-year university students. International Business & Economics Research Journal, 12(4), 439-450.Lusardi, A., (2006). Financial Literacy and Financial Education: Review and Policy Implications, Networks Financial Institute at Indina State University Policy Brief.Lusadi, A. & Mitchell, S.O., (2009). How ordinary consumers make complex economic decisions: Financial literacy and retirement readiness. National Bureau of Economic Research Paper, No. 15350.Mahdzan, N.S. & Tabiani, S., (2013). “The impact of financial literacy on ındividial saving: An exploratory study in the malaysian context. Transformations in Business & Economics, 12(28), 41-55.Mason, C.L.J. & Wilson, R.M. S., (2000). Conceptualising financial literacy, loughborough university business schol. .https://dspace.lboro.ac.uk/dspace-jspui/bitstream/2134/2016/ 3/2000-7.pdf (14.02.2017)Mercan, N., Oyur, E., Altınay, A., & Aksanyar, Y., (2012). Ekonomi okur yazarlığına yönelik ampirik bir araştırma. Ekonomi Bilimleri Dergisi, 4(2), 109-118.Nicolini, G., Cude, B.J. &Chatterjee, S., (2013). “Financial literacy: A comparative study across four countries. International Journal of Consumer Studies, 37, 689–705.Nofsinger, J.R., (2012). Household behavior and boom/bust cycles. Journal of Financial Stability, 8(3), 161-173.Organization for Economic Cooperation and Development (OECD) (2005), Improving financial literacy: Analysis of issues and policies, Paris: OECD.Organization for Economic Cooperation and Development (OECD) (2009), Financial literacy and consumer protection: Overlooked aspects of the crisis, http://www.oecd.org/finance /financial-markets/43138294.pdfPahnke, L. & Honekamp, I., (2010). Different effects of financial literacy and financial education in Germany, University of Bamberg, Chair in Economics, Especially Empirical Microeconomics Graduate Thesis.Robb, C.A. & Sharpe, D.L., (2009). An applied case study analysis of potential societal effect of personal financial knowledge on college students’ credit card behavior. Journal of Financial Counseling and Planning, 20(1), 25-43.Rooij, M., Lusardi, A. & Alessie, R.J., (2011). Financial literacy, retirement planning, and household wealth, NBER Working Paper No. 17339, http://www.nber.org/ papers/w17339.pdfRosacker, K.M., Srini, R. & Michael, G., (2009). Financial literacy of freshmen business school students. College Student Journal, 43(2), 391-399.Rutledge, S., (2009). Improving protection in financial services for Russian consumers. Europe and Central Asia Knowledge Brief, 13, 1-5.Sarıgül, H., (2014). A survey of financial literacy among university students. The Journal of Accounting and Finance, 64, 207-224.Sevim, N., Temizel, F. & Sayılır, Ö., (2012). The effects of financial literacy on the borrowing behaviour of Turkish financial consumers. International Journal of Consumer Studies, 36(5), 573-579.Shambare, R. & Rugimbana, R., (2012). Financial litercy among the educated: An exploratory study of selected university students in South Africa. Feature Article, 54(4), 581-590.Stewart, F., (2006). Financial education and pensions. Private Pension Unit OECD, New Delhi, India, http://www.oecd.org/dataoecd/31/3/37396764.pdf, (20.10.2015).Taft, M.K., Hosein, Z.Z. & Mehrizi, S.M., (2013). The relation between financial literacy, financial wellbeing and financial concerns. International Journal of Business and Management, 8(11), 63-75.Temizel, F., (2010). Mavi Yakalılarda Finansal Okuryazarlık. Beta Yayınları. 1.Baskı. İstanbul.Temizel, F. & Bayram, F., (2011). Finansal okuryazarlık: Anadolu üniversitesi İktisadi İdari Bilimler Fakültesi (İİBF) öğrencilerine yönelik bir araştırma. Cumhuriyet Üniversitesi İktisadi ve İdari Bilimler Dergisi, 12(1), 73-86.World Bank (2009), The Case for Financial Literacy in Developing Countries: Promoting Access to Finance by Empowering Consumers, https://www.globalbrigades.org/ media/Financial_Literacy.pdfWorthington, A.C., (2006), Predicting financial literacy in Australia. Financial Services Review, 15(1), 59–79.