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Kadın girişimcilerin finansal sosyalizasyonu ve finansal okuryazarlığı üzerine İzmir ilinde bir araştırma

Year 2021, Volume: 14 Issue: 3, 881 - 905, 31.07.2021
https://doi.org/10.25287/ohuiibf.787992

Abstract

Finansal sosyalizasyon bireylerin finansal bilgilerini, becerilerini, tutumlarını ve davranışlarını şekillendirmesine katkı sağlayanbir süreçtir. Bireylerin;aile, arkadaşlar, okul, medya ve din gibi farklı finansal sosyalizasyon araçlarından etkilendiği bu süreçte, finansal karar alma anlayış larının temeli oluşmaktadır. Finansal araçlarıve kavramları öğrenen bireylerin, daha rasyonel kararlar alarak, finansal iyiliği sağlayacak davranışlarsergilemesi mümkün olabilmektedir. Literatürdeki çalışmalarda da finansal sosyalizasyon, bireylerinfinansal okuryazar olma vasfı kazanması ve davranışlarının şekillenmesine etki eden önemli unsurlardan biri olarak değerlendirilmektedir. Bu çerçeveden hareketle çalışmanın amacı, finansal sosyalizasyonun kadın girişimcilerin finansal okuryazarlığı üzerindeki rolünü incelemektir. Araştırmada, İzmir ilinde faaliyet gösteren bir iş kadınları derneğininüyelerinden yarı yapılandırılmış mülakat tekniği kullanılarak veriler toplanmıştır.Mülakatlarda finansal okuryazarlığın gelir, bütçe, harcama, tasarruf, borçlanma, yatırım ve emeklilik boyutlarıekseninde, finansal sosyalizasyonun finansal tutum ve davranışların şekillenmesinde nasıl bir rolüolduğubelirlenmeye çalışılmıştır.Araştırma sonucunda, finansal sosyalizasyon araçlarından “ailenin” örneklemde yer alan kadın girişimcilerin finansal okuryazarlığı üzerinde etkili bir role sahip olduğu görülmüştür. Finansal sosyalizasyon sürecinde aileden etkilenen kadın girişimcilerin benzer tutum ve davranışlar sergilediği belirlenmiştir. Aynı zamanda, örneklemdeki kadın girişimcilerin finansal okuryazarlık boyutlarında bilinçli tutum ve davranışlar sergiledikleri sonucuna ulaşılmıştır.

References

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A research on financial socialization and financial literacy of women entrepreneurs in Izmır province

Year 2021, Volume: 14 Issue: 3, 881 - 905, 31.07.2021
https://doi.org/10.25287/ohuiibf.787992

Abstract

Financial socialization is a process that contributes to shape individuals ' financial knowledge, skills, attitudes, and behaviors.Individuals who learn financial instruments and concepts by being influenced by different financial socialization tools such as family, friends, school, media and religion can make more rational decisions and exhibit behaviors that will provide financial well-beingin this process.Also, financial socialization is considered as one of the important factors that affect individuals' acquisition of financial literacy and shaping their behavior in the literature. In this context, the study aims to investigate the role of financial socialization on the financial literacy of women entrepreneurs. Data wascollected using a semi-structured interview technique from the members of a business women association operating in Izmir province. As a result of the study in which financial literacy was examined on the line of income, budget, spending, saving, borrowing, investment, and retirement, it was observed that the “family”has an effective role on the financial literacy of women entrepreneursandwomen entrepreneurs who were affected by the family also displayedsimilar attitudes and behaviors. Besides, it was concluded that the women entrepreneurs in the sample exhibitedconscious attitudes and behaviors in financial literacy dimensions.

References

  • Aksoylu, S., Boztosun, D., Altnışık, F., & Baraz, H. E. (2017). A baseline investigation of financial literacy levels: The case of Kayseri province. Muhasebe ve Finansman Dergisi, 75, 229-246.
  • Albeerdy, M. I., & Gharleghi, B. (2015). Determinants of the financial literacy among college students in Malaysia. International Journal of Business Administration, 6 (3), 15-24.
  • Alhabeeb, M. J. (1996). Teenagers money, discretionary spending and saving. Journal of Financial Counseling And Planning, 7, 123-132.
  • Alkaya, A., & Yağlı, İ. (2015). Finansal okuryazarlık-finansal bilgi, davranış ve tutum: Nevşehir Hacı Bektaş Veli Üniversitesi İİBF öğrencileri üzerine bir uygulama. Uluslararası Sosyal Araştırmalar Dergisi, 8 (40), 585-599.
  • Arastaman, G., Fidan, İ. Ö., & Fidan, T. (2018). Nitel araştırmada geçerlik ve güvenirlik: Kuramsal bir inceleme. Yüzüncü Yıl Üniversitesi Eğitim Fakültesi Dergisi, 15 (1), 37-75.
  • Arnett, J. J. (1995). Adolescents’ uses of media for self-socialisation. Journal of Youth and Adolescence, 24(5), 519-533.
  • Arslan, A. (2004). Medyanın birey, toplum ve kültür üzerine etkileri. Uluslararası İnsan Bilimleri Dergisi, 1(1), 1-12.
  • Atkinson, A., & Messy, F. A. (2012). Measuring financial literacy: Results of OECD/international network on financial education (infe) pilot study, OECD Working Papers on Finance, Insurance and Private Pensions, 15, 1-73.
  • Bachmann, G. R., John, D. R., & Rao, A. R. (1993). Children’s susceptibility to peer group purchase influence: An exploratory investigation. Advances in Consumer Research, 20(1), 463-468.
  • Bowen, C. F. (2002). Financial knowledge of teens and their parents. Financial Counseling and Planning, 13(2), 93-101.
  • Boz, A., & Ergeneli, A. (2013). Descriptive analysis of parents of women entrepreneurs in Turkey. Intellectual Economics, 7(1), 63-73.
  • Bucciol, A., Manfre, M., & Veronesi, M. (2018). The role of financial literacy and money education on wealth decisions. Working Paper Series Department of Economics University Of Verona, 5, 1-38.
  • Buttner, E. H. (1993). Female entrepreneurs: How far have they come? Business Horizons, 36, 59.
  • Cesaroni, F. M., & Paoloni, P. (2016). Are family ties an opportunity or an obstacle for women entrepreneurs? Empirical evidence from Italy. Palgrave Commun, 2, 1-7.
  • Chen, H., & Volpe, R. P. (1998). An analysis of personal financial literacy among college students. Financial Services Review, 7(2), 107-128.
  • Cummings, S., & Taebel, D. (1978). The economic socialization of children: A neo-marxist analysis. Social Problems, 26, 198-210.
  • Çakıcı, A. (2004). Kadın girişimcilerin işletme fonksiyonlarındaki etkisinin belirlenmesine yönelik bir araştırma. Yönetim Bilimleri Dergisi, 1(3), 1-15.
  • Çinko, M., Avcı, E., Ergün, S., & Tekçe, M. (2017). Üniversite öğrencilerinin finansal okuryazarlık düzeyleri: Marmara üniversitesi örneği. Marmara Business Review, 2(1), 25-50.
  • Danes, S. M. (1994). Parental perceptions of children’s financial socialization. Financial Counseling and Planning, 5, 127-149.
  • Danes, S. M., & Haberman, H. R. (2007). Teen financial knowledge, self efficacy and behavior: A gendered view. Financial Counseling and Planning, 18(2), 48-60.
  • Danes, S. M., & Yang, Y. (2014). Assessment of the use of theories within the journal of financial counseling and planning and the contribution of the family financial socialization conceptual model. Journal of Financial Counseling and Planning, 25(1), 53–68.
  • Donohue, M. (2011). Financial literacy and women a mixed method study of challenges and needs. (Doctoral dissertation, University of Massachusetts). Retrieved from: https://search.proquest.com/openview/6fb83bf9c463c828938163c98dcace84/1?pq-origsite =gscholar&cbl=18750&diss=y.
  • Drever, A. I., Odders-White, E., Kalish, C. W., Else-Quest, N. M., Hoagland, E. M., & Nelms, E. N. (2015). Foundations of financial well-being: Insights into the role of executive function, financial socialization, and experience-based learning in childhood and youth. Journal of Consumer Affairs, 49(1), 13-38.
  • Ergün, B., Şahin, A., & Ergin, E. (2014). Finansal okuryazarlık: İşletme bölümü öğrencileri üzerine bir çalışma. Uluslararası Sosyal Araştırmalar Dergisi, 7(34), 847-864.
  • Evkuran, M. (2015). Çağdaş islam düşüncesinde “mezhep” krizi: Mezheplerin dinsel/teolojik meşruiyeti ve sosyolojik anlamı üzerine. Kelâm Araştırmaları Dergisi, 13(2), 615-633.
  • Farrell, L., Fry, T. R. L., & Risse, L. (2016). The significance of financial self-efficacy in explaining women's personal finance behaviour. Journal of Economic Psychology, 54, 85-99.
  • Filippova, T. V. (2015). Information subsystem of shadow economy deactivation. Procedia Social and Behavioral Sciences, 166, 526-529.
  • Filippova, T. V., Kashapova, E. R., & Nikitina, S. S. (2016). Financial literacy as a key factor for an individual’s social and economic well-being. In SHS Web of Conferences. Vol. 28: Research Paradigms Transformation in Social Sciences (RPTSS 2015). (s. 1037). Ulis: EDP Sciences.
  • Glenn, E. C. (2018). The influence of financial socialization on young adults (Doctoral dissertation, University of Kansas State University). Retrieved from: https://krex.k-state.edu/dspace/handle/2097/39235.
  • Golemac, Z., & Loncar, I. (2016). The importance of financial literacy for teens. Some Studies of Economics Change, 27(2), 91-97.
  • Greenfield, C., & Williams, P. (2007). Financialization, finance rationality and the role of media in Australia. Media Culture and Society, 29(39), 415-433.
  • Grohmann, A., Kouwenberg, R., & Menkhoff, L. (2015). Childhood roots of financial literacy. Journal of Economic Psychology, 51, 1-45.
  • Grohmann, A., & Menkhoff, L. (2015). School, parents, and financial literacy shape future financial behavior. DIW Economic Bulletin, 5, 407-412.
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There are 82 citations in total.

Details

Primary Language Turkish
Journal Section Articles
Authors

Didem Cansever 0000-0002-5884-0091

Duygu Kızıldağ 0000-0001-5354-7729

Publication Date July 31, 2021
Submission Date August 30, 2020
Acceptance Date October 25, 2020
Published in Issue Year 2021 Volume: 14 Issue: 3

Cite

APA Cansever, D., & Kızıldağ, D. (2021). Kadın girişimcilerin finansal sosyalizasyonu ve finansal okuryazarlığı üzerine İzmir ilinde bir araştırma. Ömer Halisdemir Üniversitesi İktisadi Ve İdari Bilimler Fakültesi Dergisi, 14(3), 881-905. https://doi.org/10.25287/ohuiibf.787992

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