TÜRKİYE’DE FİNANSAL ERİŞİMİN BELİRLEYİCİ FAKTÖRLERİ ÜZERİNE BİR ARAŞTIRMA

Abstract

Financial inclusion allows individuals and institutions in a country to easily access these products and services without any hindrance in using financial products and services. The main purpose of financial inclusion is to ensure that the products and services offered by financial system are available for entire community. While increasing the level of financial inclusion contributes to economic development, it also enables to re-duce poverty and increase prosperity. Therefore, an econometric analysis has been conducted to examine the determinants of financial inclusion in Turkey. In the study, determinants of financial inclusion in Turkey have been examined for the period 2006-2018 with three basic multiple linear regression models. The results of the study indicate a statistically significant and positive relationship between the variables treated as indicators of financial inclusion and the rate of population growth, the rate of gross domestic savings, the rate of unemploy-ment, and gross domestic product per capita.