T\u00fcm ekonomik zorluklara kar\u015f\u0131n t\u00fcketim \u00e7\u0131lg\u0131nl\u0131\u011f\u0131 \u00f6zellikle gen\u00e7ler aras\u0131nda h\u0131z kesmeden devam ediyor. Ara\u015ft\u0131rmalara g\u00f6re, her iki gen\u00e7ten biri para harcama ve para y\u00f6netiminde iyi oldu\u011funu d\u00fc\u015f\u00fcn\u00fcyor ancak gen\u00e7lerin y\u00fczde 83\u2019\u00fcn\u00fcn harcama plan\u0131 yapma al\u0131\u015fkanl\u0131\u011f\u0131 bulunmuyor.\u00a0<\/p>\n
Finansal okuryazarl\u0131k konusunda gen\u00e7lere \u00f6nerilerde bulunan Finansal Okuryazarl\u0131k ve Eri\u015fim Derne\u011fi Ba\u015fkan\u0131 Zekeriya \u00d6zt\u00fcrk, harcama yapmadan \u00f6nce \u201c\u0130stek mi ihtiya\u00e7 m\u0131\u201d sorusunu kendilerine sormalar\u0131n\u0131 \u00f6nererek \u201cB\u00fct\u00e7e yapmay\u0131, birikim yapmay\u0131, birikimi yat\u0131r\u0131ma y\u00f6nlendirmeyi, tasarruf etmeyi ve sab\u0131rl\u0131 olmay\u0131 hi\u00e7 unutmay\u0131n\u201d dedi.\u00a0<\/p>\n
Tasarruf Yapanlar\u0131n Oran\u0131 Artt\u0131<\/strong><\/p>\n Finansal Okuryazarl\u0131k ve Eri\u015fim Derne\u011fi (FODER) Ba\u015fkan\u0131 Zekeriya \u00d6zt\u00fcrk, 10 y\u0131ld\u0131r FODER kurumsal \u00fcyesi olan Yeditepe \u00dcniversitesi\u2019nde ger\u00e7ekle\u015ftirilen Finansal Okuryazarl\u0131k Semineri\u2019nde, T\u00fcrkiye ve d\u00fcnyan\u0131n finansal okuryazarl\u0131k durumuna ili\u015fkin bilgiler verdi. \u00d6\u011frencilerin yo\u011fun olarak ilgi g\u00f6sterdi\u011fi seminerde \u00d6zt\u00fcrk, gen\u00e7lere \u00f6nemli \u00f6nerilerde bulundu.<\/p>\n D\u00fcnya Bankas\u0131\u2019n\u0131n verilerine g\u00f6re, d\u00fcnyada 2011 y\u0131l\u0131nda ki\u015fisel hesap sahipli\u011fi oran\u0131 y\u00fczde 51 iken bu oran\u0131n 2021\u2019de y\u00fczde 76\u2019ya y\u00fckseldi\u011fini belirten \u00d6zt\u00fcrk, T\u00fcrkiye\u2019de hesap sahipli\u011fi oran\u0131n\u0131n y\u00fczde 74 olmas\u0131na kar\u015f\u0131n kad\u0131nlarda bu oran\u0131n y\u00fczde 63 oldu\u011funa dikkat \u00e7ekti.\u00a0<\/p>\n Bir \u00f6zel bankan\u0131n T\u00fcrkiye\u2019nin Tasarruf E\u011filimleri Ara\u015ft\u0131rmas\u0131\u2019yla ilgili de bilgi veren Zekeriya \u00d6zt\u00fcrk, \u201cAra\u015ft\u0131rman\u0131n II. \u00c7eyrek Raporu\u2019na g\u00f6re 2023 y\u0131l\u0131nda tasarruf yapanlar\u0131n oran\u0131 2019\u2019da y\u00fczde 14 civar\u0131ndayken 2023 y\u0131l\u0131nda bu oran y\u00fczde 25\u2019e \u00e7\u0131kt\u0131. Buna g\u00f6re T\u00fcrkiye\u2019de 2023 y\u0131l\u0131nda her 4 ki\u015fiden biri tasarruf yapmaya ba\u015flad\u0131.\u201d\u00a0<\/p>\n \u00a0\u201cBilgi Davran\u0131\u015fa D\u00f6n\u00fc\u015fmeli\u201d<\/strong><\/p>\n 2018 y\u0131l\u0131nda Bankalararas\u0131 Kart Merkezi\u2019nin gen\u00e7lerin finansal tutum ve davran\u0131\u015flar\u0131na ili\u015fkin bir ara\u015ft\u0131rma yapt\u0131\u011f\u0131n\u0131 an\u0131msatan \u00d6zt\u00fcrk, s\u00f6zlerini \u015f\u00f6yle s\u00fcrd\u00fcrd\u00fc:\u00a0<\/p>\n \u201cBu ara\u015ft\u0131rmaya g\u00f6re; gen\u00e7lerin finansal kavramlar\u0131 bilme d\u00fczeyi y\u00fczde 50\u2019nin alt\u0131nda, finansal okuryazarl\u0131k oran\u0131 y\u00fczde 64, her d\u00f6rt gen\u00e7ten birinin banka hesab\u0131 var ve her iki gen\u00e7ten biri para harcama ve para y\u00f6netiminde iyi oldu\u011funu d\u00fc\u015f\u00fcn\u00fcyor. Ancak gen\u00e7lerin y\u00fczde 83\u2019\u00fc harcama plan\u0131 yapma al\u0131\u015fkanl\u0131\u011f\u0131na sahip de\u011fil. Finansal okuryazarl\u0131k ki\u015finin para kullanma konusunda bilgi edinmesi, bu bilgiyle de\u011ferlendirme yapmas\u0131 ve etkili karar vermesi yetkinli\u011fidir. Finansal bilgi ve de\u011ferlendirme davran\u0131\u015fa d\u00f6n\u00fc\u015fm\u00fcyorsa etkili olmaz.\u201d<\/p>\n Hayal ve Hedef Aras\u0131ndaki Tek Fark Planlama\u00a0<\/strong><\/p>\n \u201cHarcama h\u0131zl\u0131 olurken birikim zaman al\u0131r\u201d ifadelerini kullanan \u00d6zt\u00fcrk, \u015funlar\u0131 kaydetti:<\/p>\n \u201cHedefinize ula\u015fmak i\u00e7in kendiniz ve gelece\u011finizle ilgili bir plan\u0131n\u0131z olsun. Hedef ve hayal aras\u0131ndaki tek fark planlamad\u0131r. Finansal davran\u0131\u015f, bireyin finansal tutumunu eyleme ge\u00e7irecek al\u0131\u015fkanl\u0131klar edinmesidir. Bu al\u0131\u015fkanl\u0131klar\u0131 da, gelir-gider takibi, bor\u00e7 y\u00f6netimi, \u00f6rne\u011fin kredi kart\u0131n\u0131n son \u00f6deme tarihinin takibi, al\u0131\u015fveri\u015flerde fiyat kontrol\u00fc, yat\u0131r\u0131m var ise getirisi ve risk takibi, bireysel emeklilik i\u00e7in yat\u0131r\u0131m \u015feklinde \u00f6zetleyebiliriz.\u201d<\/p>\n Gen\u00e7lerin harcama yapmadan \u00f6nce \u201c\u0130stek mi ihtiya\u00e7 m\u0131\u201d sorusunu kendilerine sormalar\u0131 gerekti\u011fine i\u015faret eden \u00d6zt\u00fcrk, \u015f\u00f6yle konu\u015ftu:<\/p>\n \u201cB\u00fct\u00e7e yapmay\u0131, birikim yapmay\u0131, birikimi yat\u0131r\u0131ma y\u00f6nlendirmeyi, tasarruf etmeyi ve sab\u0131rl\u0131 olmay\u0131 hi\u00e7 unutmay\u0131n.\u201d<\/p>\n Kaynak: (BYZHA) Beyaz Haber Ajans\u0131<\/p>\n","protected":false},"excerpt":{"rendered":" T\u00fcm ekonomik zorluklara kar\u015f\u0131n t\u00fcketim \u00e7\u0131lg\u0131nl\u0131\u011f\u0131 \u00f6zellikle gen\u00e7ler aras\u0131nda h\u0131z kesmeden devam ediyor. Ara\u015ft\u0131rmalara g\u00f6re, her iki gen\u00e7ten biri para harcama ve para y\u00f6netiminde iyi oldu\u011funu d\u00fc\u015f\u00fcn\u00fcyor ancak gen\u00e7lerin y\u00fczde 83\u2019\u00fcn\u00fcn harcama plan\u0131 yapma al\u0131\u015fkanl\u0131\u011f\u0131 bulunmuyor.\u00a0<\/p>\n","protected":false},"author":1,"featured_media":1601,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[20],"tags":[586,365,588,587,585],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/esenyurtgazetesi.com\/index.php\/wp-json\/wp\/v2\/posts\/1600"}],"collection":[{"href":"https:\/\/esenyurtgazetesi.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/esenyurtgazetesi.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/esenyurtgazetesi.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/esenyurtgazetesi.com\/index.php\/wp-json\/wp\/v2\/comments?post=1600"}],"version-history":[{"count":1,"href":"https:\/\/esenyurtgazetesi.com\/index.php\/wp-json\/wp\/v2\/posts\/1600\/revisions"}],"predecessor-version":[{"id":1602,"href":"https:\/\/esenyurtgazetesi.com\/index.php\/wp-json\/wp\/v2\/posts\/1600\/revisions\/1602"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/esenyurtgazetesi.com\/index.php\/wp-json\/wp\/v2\/media\/1601"}],"wp:attachment":[{"href":"https:\/\/esenyurtgazetesi.com\/index.php\/wp-json\/wp\/v2\/media?parent=1600"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/esenyurtgazetesi.com\/index.php\/wp-json\/wp\/v2\/categories?post=1600"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/esenyurtgazetesi.com\/index.php\/wp-json\/wp\/v2\/tags?post=1600"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}