Examination of Islamic Financial Literacy Levels of Public Personnel Serving in TR72 Region in Terms of Some Socio-Demographic Variables

Yılmaz Günel

Makale detayları

Examination of Islamic Financial Literacy Levels of Public Personnel Serving in TR72 Region in Terms of Some Socio-Demographic Variables

Yazarlar:

Yılmaz Günel

Yayıncı:

Ahmet Arif EREN

Ana Başlıklar:

Ekonometrik ve İstatistiksel Yöntemler | Bankacılık ve Sigortacılık (Diğer)

Dergi:

Fiscaoeconomia Vol.9 Issue 1, pp.235-256

Belge Tipi:

Makale

Yayın Tarihi:

2/2025

Belge Dili:

Türkçe

Document ID (Org No.):

2001341622

pISSN:

2564-7504

Anahtar kelimeler:

Özet:

 In order for individuals or institutions to protect their savings against inflation and ensure their increase, it is possible with financial literacy to choose the most appropriate one among various investment instruments. People who are aware of Islamic rules and have interest sensitivity prefer investment instruments that comply with Islamic principles, apart from the products and services offered by traditional finance. These people should have Islamic financial knowledge and be able to use this information in their financial decisions in order to ensure that their savings do not remain idle and are brought into the economy. This study aims to examine the Islamic financial literacy levels of public employees serving in TR72 Region according to some variables gender, income, marital status, age, education, working time, saving, employment status. In the study, descriptive research method was preferred. In the data collection phase, personal information form and Scale for the Investigation of Islamic Financial Literacy Levels of Public Employees were used. Public employees in TR72 Region are within the research universe and 386 people were reached face-to-face with the convenience sampling method and questionnaires were applied. The data obtained were analysed with SPSS 27.0 software. As a result of the Kolmogorov-Smirnov Normality Test, it was determined that the data did not show normal distribution and Nonparametric statistical methods were used. As a result of the research, it was determined that the majority of public employees allocate a portion of their income for savings every month. It has been concluded that there are significant differences in the Islamic financial literacy levels of public employees in terms of marital status, saving, educational status, working time in public institutions, employment status and monthly income variables, while there are no significant differences in terms of gender and age variables.

 In order for individuals or institutions to protect their savings against inflation and ensure their increase, it is possible with financial literacy to choose the most appropriate one among various investment instruments. People who are aware of Islamic rules and have interest sensitivity prefer investment instruments that comply with Islamic principles, apart from the products and services offered by traditional finance. These people should have Islamic financial knowledge and be able to use this information in their financial decisions in order to ensure that their savings do not remain idle and are brought into the economy. This study aims to examine the Islamic financial literacy levels of public employees serving in TR72 Region according to some variables gender, income, marital status, age, education, working time, saving, employment status. In the study, descriptive research method was preferred. In the data collection phase, personal information form and Scale for the Investigation of Islamic Financial Literacy Levels of Public Employees were used. Public employees in TR72 Region are within the research universe and 386 people were reached face-to-face with the convenience sampling method and questionnaires were applied. The data obtained were analysed with SPSS 27.0 software. As a result of the Kolmogorov-Smirnov Normality Test, it was determined that the data did not show normal distribution and Nonparametric statistical methods were used. As a result of the research, it was determined that the majority of public employees allocate a portion of their income for savings every month. It has been concluded that there are significant differences in the Islamic financial literacy levels of public employees in terms of marital status, saving, educational status, working time in public institutions, employment status and monthly income variables, while there are no significant differences in terms of gender and age variables.

 In order for individuals or institutions to protect their savings against inflation and ensure their increase, it is possible with financial literacy to choose the most appropriate one among various investment instruments. People who are aware of Islamic rules and have interest sensitivity prefer investment instruments that comply with Islamic principles, apart from the products and services offered by traditional finance. These people should have Islamic financial knowledge and be able to use this information in their financial decisions in order to ensure that their savings do not remain idle and are brought into the economy. This study aims to examine the Islamic financial literacy levels of public employees serving in TR72 Region according to some variables gender, income, marital status, age, education, working time, saving, employment status. In the study, descriptive research method was preferred. In the data collection phase, personal information form and Scale for the Investigation of Islamic Financial Literacy Levels of Public Employees were used. Public employees in TR72 Region are within the research universe and 386 people were reached face-to-face with the convenience sampling method and questionnaires were applied. The data obtained were analysed with SPSS 27.0 software. As a result of the Kolmogorov-Smirnov Normality Test, it was determined that the data did not show normal distribution and Nonparametric statistical methods were used. As a result of the research, it was determined that the majority of public employees allocate a portion of their income for savings every month. It has been concluded that there are significant differences in the Islamic financial literacy levels of public employees in terms of marital status, saving, educational status, working time in public institutions, employment status and monthly income variables, while there are no significant differences in terms of gender and age variables.

 Kişiler veya kurumların birikimlerini enflasyon karşısında koruyabilmesi ve artmasını sağlayabilmeleri için çeşitli yatırım araçları arasından en uygun olanını tercih edebilmesi finansal okuryazarlık ile mümkündür. İslami kuralların bilincinde ve faiz hassasiyetine sahip olan kişiler geleneksel finansın sunduğu ürün ve hizmetlerin dışında İslami esaslara uygun yatırım araçlarını tercih etmektedir. Bu kişilerin tasarruflarının âtıl kalmaması ve ekonomiye kazandırılması için İslami finansal bilgiye sahip olması ve bu bilgileri alacakları finansal kararlarda kullanabilmesi gerekmektedir. Bu çalışma ile TR72 Bölgesinde hizmet veren kamu personellerinin İslami finansal okuryazarlık düzeylerinin bazı değişkenlere cinsiyet, gelir, medeni durum, yaş, eğitim, çalışma süresi, tasarruf yapma, istihdam durumu göre incelenmesi amaçlanmıştır. Çalışmada, betimsel araştırma yöntemi tercih edilmiştir. Veri toplama safhasında, kişisel bilgi formu ve Kamu Personellerinin İslami Finansal Okuryazarlık Düzeylerinin İncelenmesi Ölçeği kullanılmıştır. TR72 Bölgesindeki kamu çalışanları araştırma evreni içerisinde olup kolayda örnekleme yöntemi ile 386 kişiye yüz yüze ulaşılarak anketler uygulanmıştır. Elde edilen veriler SPSS 27.0 programı ile analiz edilmiştir. Kolmogorov-Smirnov Normallik Testi sonucunda verilerin normal dağılım göstermediği belirlenerek Nonparametrik istatistiksel yöntemlerden faydalanılmıştır. Araştırma sonucunda kamu personellerinin büyük çoğunluğunun her ay gelirlerinden bir kısmını tasarruf için ayırdıkları belirlenmiştir. Kamu personellerinin İslami finansal okuryazarlık düzeylerinde; medeni durum, tasarruf yapma, eğitim durumu, kamu kurumlarında çalışma süresi, istihdam durumu ve aylık gelir değişkenleri açısından anlamlı farklılıklar olduğu; cinsiyet ve yaş değişkenleri açısından ise anlamlı farklılıklar olmadığı sonucuna ulaşılmıştır.

Makale detayları

Examination of Islamic Financial Literacy Levels of Public Personnel Serving in TR72 Region in Terms of Some Socio-Demographic Variables

Yazarlar:

Yılmaz Günel

Yayıncı:

Ahmet Arif EREN

Ana Başlıklar:

Ekonometrik ve İstatistiksel Yöntemler | Bankacılık ve Sigortacılık (Diğer)

Dergi:

Fiscaoeconomia Vol.9 Issue 1, pp.235-256

Belge Tipi:

Makale

Yayın Tarihi:

2/2025

Belge Dili:

Türkçe

Document ID (Org No.):

2001341622

pISSN:

2564-7504

Islamic Financial Literacy

Islamic Finance

Behavioral Finance

Nonparametric Testsİslami Finansal Okuryazarlık

İslami Finans

Davranışsal Finans

Nonparametrik Testler

Sayı

Makale detayları

Yazarlar: Yılmaz Günel

Yayıncı: Ahmet Arif EREN

Ana Başlıklar: Ekonometrik ve İstatistiksel Yöntemler | Bankacılık ve Sigortacılık (Diğer)

Dergi: Fiscaoeconomia Vol.9 Issue 1, pp.235-256

Belge Tipi: Makale

Yayın Tarihi: 2/2025

Belge Dili: Türkçe

Document ID (Org No.): 2001341622

pISSN: 2564-7504

Sayı

Yazarlar:

Yılmaz Günel

Yayıncı:

Ahmet Arif EREN

Ana Başlıklar:

Ekonometrik ve İstatistiksel Yöntemler | Bankacılık ve Sigortacılık (Diğer)

Dergi:

Fiscaoeconomia Vol.9 Issue 1, pp.235-256

Belge Tipi:

Makale

Yayın Tarihi:

2/2025

Belge Dili:

Türkçe

Document ID (Org No.):

2001341622

pISSN:

2564-7504