Tüketicilerin Demografik Özelliklerinin Finansal Okuryazarlık Düzeylerine Etkisi Üzerine Bir Araştırma

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.