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Finansal Okuryazarlik Duzeyinin Belirlenmesi: Turk Silahli Kuvvetleri Emekli Personeli Uzerinde Bir Arastirma

Author

Listed:
  • Yusuf Kaderli

    (Adnan Menderes Universitesi, IIBF, Isletme Bolumu, Aydin)

  • Umut Tolga Gumus

    (Adnan Menderes Universitesi, IIBF, Isletme Bolumu, Aydin)

  • Emre Danisman

    (Adnan Menderes Universitesi, IIBF, Isletme Bolumu, Aydin)

Abstract

Kuresellesme, mal ve hizmetlerin dunya olceginde serbest dolasimidir. Gunumuzde teknolojide yasanan gelismeler kuresellesmenin hizini arttirmistir. Kuresellesmeyle birlikte, ekonomik gelismelerde yasanan belirsizlik ve karmasiklik, toplumlarin ve bireylerin sosyo-ekonomik yapilarini degistirmistir. Toplumlarin sosyo ekonomik yapilari bireylerin finansal kararlariyla sekillenmektedir. Bireylerin almis oldugu finansal kararlarin dogrulugu, bireylerin finansal okuryazarlik duzeyi ile ilgilidir. Karmasik ve belirsiz kosullar icindeki ekonomide toplumun en kucuk yapisi olan ailelerin aldigi finansal kararlar sadece aileyi degil tum toplumu etkilemektedir. Ailelerin degisimin hizli ve surekli oldugu ekonomik hayatta aldigi yanlis finansal kararlar nedeniyle birlik ve duzeni bozulmaktadır. Bunun icin demografik ozelligi farkli her bireyin sahip oldugu finansal okuryazarlik duzeyini yukseltecek finansal egitim uygulamalarinin onemi yuksektir. Bircok arastirmada, yasli ve egitim duzeyi dusuk bireylerin daha cok finansal risk icinde oldugu vurgulanmaktadir. Bu calismada, Turk Silahli Kuvvetlerinde gorev yapmıs emekli askeri personelin finansal okuryazarlik seviyesi incelenmistir. Ulkenin savunma hizmetlerinde calısan Turk Silahli Kuvvetleri personeli, gorev sahasi itibariyle finansal sistemlerde yasanan gelismelere uzak kalabilmektedir. Bu durum, bilgiye dayali finansal kararlar alma becerisinin onemini artirmaktadir.Calisma sonucunda, emekli askeri personelin finansal okuryazarlik seviyesi ve finansal bilgileri tespit edilmistir.Bu tespitler dogrultusunda aktif olarak gorev yapan askeri personelin gelecege donuk finansal farkindaligini arttirmak amaclanmistir.

Suggested Citation

  • Yusuf Kaderli & Umut Tolga Gumus & Emre Danisman, 2016. "Finansal Okuryazarlik Duzeyinin Belirlenmesi: Turk Silahli Kuvvetleri Emekli Personeli Uzerinde Bir Arastirma," International Journal of Finance & Banking Studies, Center for the Strategic Studies in Business and Finance, vol. 5(5), pages 51-70, July.
    • Handle: RePEc:rbs:ijfbss:v:5:y:2016:i:5:p:51-70
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