T\u00fcrkiye\u2019de son d\u00f6nemde yeti\u015fkinlerin y\u00fczde 50\u2019si ay sonunda eksi bakiyeye d\u00fc\u015f\u00fcyor. Y\u00fczde 42\u2019lik bir oran ise bor\u00e7 al\u0131yor. Yap\u0131lan incelemeye g\u00f6re T\u00fcrkiye\u2019de yeti\u015fkinlerin yaln\u0131zca y\u00fczde 66\u2019s\u0131 faturalar\u0131n\u0131 zaman\u0131nda \u00f6d\u00fcyor.<\/p>\n
T\u00fcrkiye\u2019de temel bankac\u0131l\u0131k i\u015flemlerinden bor\u00e7lanma ve yat\u0131r\u0131m se\u00e7eneklerine kadar pek \u00e7ok alanda finansal ara\u00e7lar\u0131n kullan\u0131m\u0131 h\u0131zla art\u0131yor. Yeti\u015fkin n\u00fcfusun y\u00fczde 33\u2019\u00fc en az bir kredi kart\u0131na sahipken, 150 milyon aktif banka ve 66 milyon kredi kart\u0131 bulunuyor. \u0130htiya\u00e7, ta\u015f\u0131t ve konut kredisi kullanan toplam ki\u015fi say\u0131s\u0131 ise 19,3 milyon. B\u00f6ylesine ciddi rakamlara ra\u011fmen Ekonomik \u0130\u015fbirli\u011fi ve Kalk\u0131nma \u00d6rg\u00fct\u00fc (OECD) verilerine g\u00f6re, T\u00fcrkiye\u2019deki yeti\u015fkinlerin y\u00fczde 69\u2019u temel finansal kavramlara hakim olduklar\u0131n\u0131 ifade ederken, y\u00f6neltilen sorular neticesinde yaln\u0131zca y\u00fczde 24\u2019\u00fcn\u00fcn iyi bir finansal okuryazarl\u0131k seviyesinde oldu\u011fu ortaya \u00e7\u0131k\u0131yor.<\/p>\n
\u201cYeti\u015fkinlerin y\u00fczde 50\u2019si eksiye d\u00fc\u015f\u00fcyor, n\u00fcfusun y\u00fczde 66\u2019s\u0131 faturalar\u0131n\u0131 zaman\u0131nda \u00f6d\u00fcyor\u201d<\/p>\n
T\u00fcrkiye\u2019nin finansal okuryazarl\u0131k d\u00fczeyinin Hindistan, \u00dcrd\u00fcn ve Vietnam gibi \u00fclkelerle ayn\u0131 seviyede oldu\u011funu belirten Hesapkurdu.com Kurucu Orta\u011f\u0131 Onur Tekinturhan, \u201cT\u00fcrkiye\u2019de son d\u00f6nemde yeti\u015fkinlerin y\u00fczde 50\u2019si ay sonunda eksi bakiyeye d\u00fc\u015ft\u00fcklerini ve y\u00fczde 42\u2019si de bor\u00e7 ald\u0131\u011f\u0131n\u0131 belirtiyor. \u00d6te yandan n\u00fcfusun sadece y\u00fczde 66\u2019s\u0131 faturalar\u0131n\u0131 zaman\u0131nda yat\u0131r\u0131yor. T\u00fcm veriler g\u00f6z \u00f6n\u00fcnde bulunduruldu\u011funda t\u00fcketicilerin, kredi alarak bor\u00e7lanmadan \u00f6nce mutlaka ara\u015ft\u0131rma yapmas\u0131, bankalar\u0131n faiz oranlar\u0131n\u0131 kar\u015f\u0131la\u015ft\u0131rmas\u0131 ve b\u00fct\u00e7e hesab\u0131 yapmalar\u0131 gerekiyor\u201d ifadelerini kulland\u0131.<\/p>\n
\u201cT\u00fcketiciler sigorta almadan veya kredi \u00e7ekmeden \u00f6nce internette kar\u015f\u0131la\u015ft\u0131rma yap\u0131yor\u201d<\/p>\n
Ara\u00e7 sigortas\u0131ndan kredi ve mevduat faiz oranlar\u0131na kadar bir\u00e7ok finansal karar alma s\u00fcrecinde t\u00fcketiciler; finansal okuryazarl\u0131k seviyeleri artt\u0131k\u00e7a k\u0131sa s\u00fcrede detayl\u0131 bilgi almak, \u00fcr\u00fcn veya hizmetleri kar\u015f\u0131la\u015ft\u0131rabilmek ve tasarruf edebilmek i\u00e7in online kar\u015f\u0131la\u015ft\u0131rma platformlar\u0131na ba\u015fvuruyor. Hesapkurdu.com\u2019un verilerine g\u00f6re, son 5 y\u0131lda T\u00fcrkiye\u2019de online kredi kar\u015f\u0131la\u015ft\u0131rma say\u0131s\u0131 y\u00fczde 120 artarak, ayl\u0131k ortalama 1,5 milyon sorguya ula\u015ft\u0131. T\u00fcrkiye\u2019de finansal okuryazarl\u0131k seviyesinin yetersiz olmas\u0131n\u0131n bir\u00e7ok soruna kaynakl\u0131k etti\u011fini s\u00f6yleyen Onur Tekinturhan, \u201cT\u00fcketicilerin finansal bilgi yetersizli\u011fi doland\u0131r\u0131c\u0131l\u0131k, maliyet ve kar-zarar hesaplamalar\u0131nda hatalar gibi bir\u00e7ok olumsuzlu\u011fun temel nedeni olarak kar\u015f\u0131m\u0131za \u00e7\u0131k\u0131yor. Bu noktada t\u00fcketicinin beklentisini kar\u015f\u0131layacak, kullan\u0131m\u0131 kolay ve anla\u015f\u0131l\u0131r sistemlere ihtiya\u00e7 duyuluyor\u201d dedi.<\/p>\n
\u201cFinansal okuryazarl\u0131\u011f\u0131 art\u0131racak projeler i\u00e7in \u00f6zel yaz\u0131l\u0131m ekibi kuruluyor\u201d<\/p>\n
T\u00fcrkiye\u2019de finansal kar\u015f\u0131la\u015ft\u0131rma k\u00fclt\u00fcr\u00fcn\u00fc olu\u015fturmaya odakland\u0131klar\u0131n\u0131 belirten Onur Tekinturhan, \u201cT\u00fcketicinin kredi ve sigorta \u00fcr\u00fcnlerini sat\u0131n al\u0131rken ya\u015fad\u0131\u011f\u0131 deneyimi dijitalle\u015ftirerek ba\u015ftan sona d\u00f6n\u00fc\u015ft\u00fcrmek istiyoruz. Kullan\u0131c\u0131n\u0131n finansal i\u015flemleri kolay, h\u0131zl\u0131 ve g\u00fcvenli bir \u015fekilde ger\u00e7ekle\u015ftirebilmesi i\u00e7in gerekli altyap\u0131y\u0131 geli\u015ftirecek 20 ki\u015filik yaz\u0131l\u0131m ekibi istihdam ediyoruz. Bu ekip, T\u00fcrkiye\u2019de finansal okuryazarl\u0131k seviyesinin artmas\u0131 i\u00e7in \u00e7al\u0131\u015fan en b\u00fcy\u00fck yaz\u0131l\u0131m ekibi olacak. Yaz\u0131l\u0131m ekibimiz, banka ve sigorta \u015firketleriyle elektronik entegrasyon projeleri ger\u00e7ekle\u015ftirip, bu \u015firketlerin finansal s\u00fcre\u00e7lerini dijital d\u00fcnyayla daha uyumlu hale getirecek. Geli\u015ftirece\u011fimiz finansal hesaplama ara\u00e7lar\u0131yla t\u00fcketicilerin finansal s\u00fcre\u00e7lerde daha efektif kararlar vermesinde rol al\u0131rken, finansal \u00fcr\u00fcn ve hizmetler; eri\u015filebilir, \u015feffaf, kolay kullan\u0131ml\u0131 ve kar\u015f\u0131la\u015ft\u0131r\u0131labilir hale gelecek\u201d ifadelerini kulland\u0131.<\/p>\n","protected":false},"excerpt":{"rendered":"
T\u00dcRK\u0130YE\u2019DE YET\u0130\u015eK\u0130NLER\u0130N Y\u00dcZDE 50\u2019S\u0130 AY SONUNDA EKS\u0130 BAK\u0130YEYE D\u00dc\u015e\u00dcYOR.<\/p>\n","protected":false},"author":1,"featured_media":194477,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[19],"tags":[30992,48775,2143,3625,2031,2383,48774,3480],"class_list":["post-194476","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-50si","tag-bakiyeye","tag-dusuyor","tag-eksi","tag-sonunda","tag-turkiyede","tag-yetiskinlerin","tag-yuzde"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.tvturk.com\/wp-content\/uploads\/2019\/08\/turkiyede-yetiskinlerin-yuzde-50si-ay-sonunda-eksi-bakiyeye-dusuyor_260d715.jpg?fit=1000%2C666","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/paKIfm-OAI","_links":{"self":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts\/194476","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/comments?post=194476"}],"version-history":[{"count":0,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts\/194476\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/media\/194477"}],"wp:attachment":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/media?parent=194476"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/categories?post=194476"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/tags?post=194476"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}