BİREYSEL YATIRIMCILARIN FİNANSAL OKURYAZARLIK VE FİNANSAL RİSK ALMA TOLERANSI

Kavas, Yusuf Bahadır; Erkan, Mustafa Kenan

BİREYSEL YATIRIMCILARIN FİNANSAL OKURYAZARLIK VE FİNANSAL RİSK ALMA TOLERANSI

Yusuf Bahadır KAVAS, (Bilecik Şeyh Edebali Üniversitesi, Osmaneli Meslek Yüksekokulu, Muhasebe ve Vergi Bölümü, Bilecik, Türkiye)

Mustafa Kenan ERKAN (Sakarya Üniversitesi, İşletme Fakültesi, İşletme Bölümü, İşletme Ana Bilim Dalı, Sakarya, Türkiye)

EKEV AKADEMİ DERGİSİ

9 2

Yıl: 2022 Cilt: 0 Sayı: 89 Sayfa Aralığı: 379 - 399 Metin Dili: Türkçe İndeks Tarihi: 23-09-2022

BİREYSEL YATIRIMCILARIN FİNANSAL OKURYAZARLIK VE FİNANSAL RİSK ALMA TOLERANSI

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 olmanın 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 Kelime:

Financial Literacy and Financial Risk Taking Tolerance of Individual Investors

Öz:

This study was conducted to determine the effects of financial literacy level on financial risk appetite and to determine the differences that may occur in financial literacy level and financial risk appetite among demographic variables. The financial risk appetite and financial literacy levels of individuals were tried to be determined through the questionnaire. In this context, a total of 448 participants participated in the study. According to the findings obtained from the study, individuals' financial literacy levels affect their financial risk appetite. It has been determined that as the level of financial literacy increases, the appetite of individuals to take financial risks increases. Men's financial literacy levels and financial risk appetite are higher than women's. It can be said that there is a significant difference in the level of financial literacy of the married compared to the singles, and that the married ones are more financially literate than the singles. There was no significant difference in financial risk appetite of married and single couples. Age, education level, having a child and income level make a significant difference in the level of financial literacy; however, it was observed that there was no significant difference between individuals in taking financial risk appetite. Based on this result, it can be stated that demographic variables create significant differences in financial literacy levels, but demographic variables other than gender do not make a significant difference in financial risk appetite In addition, it is believed that with the increase in financial literacy levels, individuals have more confidence in themselves. It can be deduced that individuals who are more self-confident are more courageous in taking financial risks.

Anahtar Kelime:

Belge Türü: Makale Makale Türü: Araştırma Makalesi Erişim Türü: Erişime Açık

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APA	Kavas Y, Erkan M (2022). BİREYSEL YATIRIMCILARIN FİNANSAL OKURYAZARLIK VE FİNANSAL RİSK ALMA TOLERANSI. , 379 - 399.
Chicago	Kavas Yusuf Bahadır,Erkan Mustafa Kenan BİREYSEL YATIRIMCILARIN FİNANSAL OKURYAZARLIK VE FİNANSAL RİSK ALMA TOLERANSI. (2022): 379 - 399.
MLA	Kavas Yusuf Bahadır,Erkan Mustafa Kenan BİREYSEL YATIRIMCILARIN FİNANSAL OKURYAZARLIK VE FİNANSAL RİSK ALMA TOLERANSI. , 2022, ss.379 - 399.
AMA	Kavas Y,Erkan M BİREYSEL YATIRIMCILARIN FİNANSAL OKURYAZARLIK VE FİNANSAL RİSK ALMA TOLERANSI. . 2022; 379 - 399.
Vancouver	Kavas Y,Erkan M BİREYSEL YATIRIMCILARIN FİNANSAL OKURYAZARLIK VE FİNANSAL RİSK ALMA TOLERANSI. . 2022; 379 - 399.
IEEE	Kavas Y,Erkan M "BİREYSEL YATIRIMCILARIN FİNANSAL OKURYAZARLIK VE FİNANSAL RİSK ALMA TOLERANSI." , ss.379 - 399, 2022.
ISNAD	Kavas, Yusuf Bahadır - Erkan, Mustafa Kenan. "BİREYSEL YATIRIMCILARIN FİNANSAL OKURYAZARLIK VE FİNANSAL RİSK ALMA TOLERANSI". (2022), 379-399.

APA	Kavas Y, Erkan M (2022). BİREYSEL YATIRIMCILARIN FİNANSAL OKURYAZARLIK VE FİNANSAL RİSK ALMA TOLERANSI. EKEV AKADEMİ DERGİSİ, 0(89), 379 - 399.
Chicago	Kavas Yusuf Bahadır,Erkan Mustafa Kenan BİREYSEL YATIRIMCILARIN FİNANSAL OKURYAZARLIK VE FİNANSAL RİSK ALMA TOLERANSI. EKEV AKADEMİ DERGİSİ 0, no.89 (2022): 379 - 399.
MLA	Kavas Yusuf Bahadır,Erkan Mustafa Kenan BİREYSEL YATIRIMCILARIN FİNANSAL OKURYAZARLIK VE FİNANSAL RİSK ALMA TOLERANSI. EKEV AKADEMİ DERGİSİ, vol.0, no.89, 2022, ss.379 - 399.
AMA	Kavas Y,Erkan M BİREYSEL YATIRIMCILARIN FİNANSAL OKURYAZARLIK VE FİNANSAL RİSK ALMA TOLERANSI. EKEV AKADEMİ DERGİSİ. 2022; 0(89): 379 - 399.
Vancouver	Kavas Y,Erkan M BİREYSEL YATIRIMCILARIN FİNANSAL OKURYAZARLIK VE FİNANSAL RİSK ALMA TOLERANSI. EKEV AKADEMİ DERGİSİ. 2022; 0(89): 379 - 399.
IEEE	Kavas Y,Erkan M "BİREYSEL YATIRIMCILARIN FİNANSAL OKURYAZARLIK VE FİNANSAL RİSK ALMA TOLERANSI." EKEV AKADEMİ DERGİSİ, 0, ss.379 - 399, 2022.
ISNAD	Kavas, Yusuf Bahadır - Erkan, Mustafa Kenan. "BİREYSEL YATIRIMCILARIN FİNANSAL OKURYAZARLIK VE FİNANSAL RİSK ALMA TOLERANSI". EKEV AKADEMİ DERGİSİ 89 (2022), 379-399.