Analysis of Financial Inclusion Variables According to the Demographic Features of the Individuals

Abstract

The issue of financial inclusion has become even more important with the increase in access to information. Financial inclusion is defined as individuals' knowledge of financial instruments and their ability to use this knowledge. Financial literacy, financial education and financial access are the basis of financial inclusion. The development of financial inclusion is an important concept that concerns all segments of society and its results are long-term. For this reason, it is very important to identify and update the variables related to financial inclusion. The aim of this study is to examine the variables that make up the financial inclusion by comparing with the demographic characteristics of individuals. In this context, the scale developed by the Organization for Economic Development and Cooperation (OECD) was used in the study. Within the scope of the study, a questionnaire was applied to individuals residing in Trabzon.The obtained data were analyzed in SPSS 21 program. Mann Whitney U Test, Kruskal Wallis H Test and Chi-Square Tests were used to analyze the data. According to the results of the study, it has been determined the relationship between financial inclusion variables. The variables of financial inclusion vary according to the gender, age, education level, income level and profession of the individuals.