Arıcıların finansal okuryazarlıklarının belirlenmesi: Bingöl uygulaması
Özet
Bireylerin finansal bilgi eksikliği sonucu yanlış tercihlerde bulunması, aldatılması gibi riskler ile karşı karşıya kalması, finansal okuryazarlığın önemini ortaya koymaktadır. Birçok devlet finansal okuryazarlığı arttırmak ve finansal eğitimleri yaygın hale getirmek amacıyla çeşitli çalışmalar yapmaktadırlar. Yapılan çalışmada, Bingöl il ve ilçelerinde arıcılık mesleği icra edenlerin finansal okuryazarlığını ölçmek amaçlanmıştır. Bu kapsamda Bingöl arıcılar derneğine kayıtlı bulunan 918 arıcı ve bağımsız arıcılardan "kolayda örneklem" metodu ile 260 katılımcı seçilmiştir. Seçilen katılımcılara üçlü likert tipi anket uygulanmıştır. Anketler yüz yüze uygulanmış olup sonuçlar "SPSS" istatistik programı ile analiz edilmiştir. Man Whitney U testi ve Kursal Wallis testi kullanılmıştır. Ayrıca Kruskal Wallis analizlerinde anlamlı farklılık belirlerken eşit varsayılmayan varyanslar için Tamhane's T2 testi uygulanmıştır. Çıkan sonuçlara göre katılımcıların temel düzey ekonomi ve finans boyutunda ve bununla birlikte matematik ve faiz hesaplamalarında, finansal tablolarda, yatırım gibi alt boyutlarda fikirlerinin olmadığı saptanmıştır. Ayrıca katılımcıların vergi ve mevzuat alt boyutunda bildiklerinin yanlış olduğu tespit edilmiştir. The fact that individuals face risks such as making wrong choices and being deceived due to lack of financial information reveals the importance of financial literacy. In addition, low financial literacy is seen as one of the main reasons for the crisis environment in the world economies. Many states are carrying out various studies to reduce financial literacy and increase financial education. In this thesis, it is aimed to measure the financial literacy of those who work in beekeeping in Bingöl provinces and districts. In this context, 260 participants were selected from 918 beekeepers registered to Bingöl Beekeepers Association and independent beekeepers using the "easy sampling" method. Three Likert type questionnaires were applied to the selected participants. The questionnaires were applied face to face and the results were analyzed with the "SPSS " statistics program. Man Whitney U test and Kursal Wallis test were used in this study. In addition, Tamhane's T2 test was applied for variances that were not assumed equal while determining a significant difference in Kruskal Wallis analyzes. According to the results, it was determined that the participants did not have ideas on the basic level economy and finance dimension, as well as in mathematics and interest calculations, financial statements, and sub-dimensions such as investment. In xii addition, it was determined that what the participants knew in the tax and legislation sub-dimension was wrong.
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