{"id":4865,"date":"2020-01-22T23:10:30","date_gmt":"2020-01-22T20:10:30","guid":{"rendered":"https:\/\/www.berjournal.com\/?p=4865"},"modified":"2020-01-24T18:16:10","modified_gmt":"2020-01-24T15:16:10","slug":"the-level-and-determinants-of-financial-inclusion-in-turkey","status":"publish","type":"post","link":"https:\/\/www.berjournal.com\/tr\/the-level-and-determinants-of-financial-inclusion-in-turkey","title":{"rendered":"T\u00fcrkiye\u2019de Finansal Tabana Yay\u0131lma D\u00fczeyi ve Belirleyicileri"},"content":{"rendered":"<p><\/p>\n<table style=\"font-family: Arial, serif; text-align: justify;\" width=\"534\" cellspacing=\"0\" cellpadding=\"7\">\n<tbody>\n<tr>\n<td style=\"color: #ffffff; font-weight: bold;\" valign=\"middle\" bgcolor=\"#0188a6\" width=\"534\" height=\"40\">Makale Bilgileri<\/td>\n<\/tr>\n<tr>\n<td valign=\"TOP\" bgcolor=\"#ffffff\" width=\"534\" height=\"169\">\n<table border=\"0\" width=\"100%\" cellspacing=\"5\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td style=\"color: #0188a6; font-weight: bold;\" align=\"left\" valign=\"top\" width=\"120\">Dergi:<\/td>\n<td>Business and Economics Research Journal<\/td>\n<\/tr>\n<tr>\n<td style=\"color: #0188a6; font-weight: bold;\" align=\"left\" valign=\"top\" width=\"0\">Makalenin Ba\u015fl\u0131\u011f\u0131:<\/td>\n<td>T\u00fcrkiye\u2019de Finansal Tabana Yay\u0131lma D\u00fczeyi ve Belirleyicileri<\/td>\n<\/tr>\n<tr>\n<td style=\"color: #0188a6; font-weight: bold;\" align=\"left\" valign=\"top\" width=\"0\">Yazar(lar):<\/td>\n<td>R\u0131fat Karaku\u015f<\/td>\n<\/tr>\n<tr>\n<td style=\"color: #0188a6; font-weight: bold;\" align=\"left\" valign=\"top\" width=\"0\">Cilt:<\/td>\n<td>11<\/td>\n<\/tr>\n<tr>\n<td style=\"color: #0188a6; font-weight: bold;\" align=\"left\" valign=\"top\" width=\"0\">Say\u0131:<\/td>\n<td>1<\/td>\n<\/tr>\n<tr>\n<td style=\"color: #0188a6; font-weight: bold;\" align=\"left\" valign=\"top\" width=\"0\">Y\u0131l:<\/td>\n<td>2020<\/td>\n<\/tr>\n<tr>\n<td style=\"color: #0188a6; font-weight: bold;\" align=\"left\" valign=\"top\" width=\"0\">Sayfa:<\/td>\n<td>147-160<\/td>\n<\/tr>\n<tr>\n<td style=\"color: #0188a6; font-weight: bold;\" align=\"left\" valign=\"top\" width=\"0\">ISSN:<\/td>\n<td>2619-9491<\/td>\n<\/tr>\n<tr>\n<td style=\"color: #0188a6; font-weight: bold;\" align=\"left\" valign=\"top\" width=\"0\">DOI Numaras\u0131:<\/td>\n<td>10.20409\/berj.2020.241<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"color: #ffffff; font-weight: bold;\" valign=\"middle\" bgcolor=\"#0188a6\" width=\"534\" height=\"40\">\u00d6z<\/td>\n<\/tr>\n<tr>\n<td valign=\"TOP\" bgcolor=\"#ffffff\" width=\"534\">Bu \u00e7al\u0131\u015fmada T\u00fcrkiye\u2019de finansal tabana yay\u0131lma d\u00fczeyinin belirlenmesi ve finansal tabana yay\u0131lmaya etki eden bireysel fakt\u00f6rlerin tespit edilmesi ama\u00e7lanm\u0131\u015ft\u0131r. Ayr\u0131ca finansal tabana yay\u0131lmay\u0131 engelleyen fakt\u00f6rler ve bu fakt\u00f6rlere etki eden bireysel fakt\u00f6rler de \u00e7al\u0131\u015fmada incelenmi\u015ftir. \u00c7al\u0131\u015fmada, D\u00fcnya Bankas\u0131\u2019n\u0131n 2011 y\u0131l\u0131 ve 2014 y\u0131l\u0131 Global Findex veri taban\u0131ndan sa\u011flanan veriler kullan\u0131larak probit regresyon analizi uygulanm\u0131\u015ft\u0131r. 2014 y\u0131l\u0131nda 2011 y\u0131l\u0131na g\u00f6re T\u00fcrkiye\u2019de finansal kurumlarda birikim ve finansal kurumlardan bor\u00e7 alman\u0131n art\u0131\u015f g\u00f6sterdi\u011fi belirlenmi\u015ftir. \u00c7al\u0131\u015fma sonucunda kad\u0131nlar\u0131n hesap sahibi olma, resmi birikim yapma ve resmi bor\u00e7 kullanma olas\u0131l\u0131klar\u0131n\u0131n daha d\u00fc\u015f\u00fck oldu\u011fu tespit edilmi\u015ftir. Ya\u015f\u0131n finansal tabana yay\u0131lma bile\u015fenleri \u00fczerinde do\u011frusal olmamakla birlikte pozitif bir etkisi oldu\u011fu belirlenmi\u015ftir. E\u011fitim ve gelir seviyesinin artmas\u0131n\u0131n finansal tabana yay\u0131lmaya olumlu etkisi \u00e7al\u0131\u015fmada ula\u015f\u0131lan bir di\u011fer sonu\u00e7tur. 2014 y\u0131l\u0131nda finansal kurumda hesap sahibi olman\u0131n \u00f6n\u00fcndeki engellerin 2011 y\u0131l\u0131na g\u00f6re daha belirgin oldu\u011fu da tespit edilmi\u015ftir.<\/td>\n<\/tr>\n<tr>\n<td valign=\"TOP\" bgcolor=\"#ffffff\" width=\"534\" height=\"22\">\n<hr style=\"height: 5px; background-color: #0188a6; margin-top: 5px; margin-bottom: 5px;\" \/>\n<table border=\"0\" width=\"100%\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td style=\"color: #0188a6; font-weight: bold;\" align=\"left\" valign=\"top\" width=\"120\">Anahtar Kelimeler:<\/td>\n<td>Finansal Tabana Yay\u0131lma, Global Findex, Probit Regresyon Analizi<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<tr>\n<td valign=\"TOP\" bgcolor=\"#ffffff\" width=\"534\">\n<hr style=\"height: 5px; background-color: #0188a6; margin-top: 5px; margin-bottom: 5px;\" \/>\n<table border=\"0\" width=\"100%\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td style=\"color: #0188a6; font-weight: bold;\" width=\"120\">JEL S\u0131n\u0131fland\u0131rmas\u0131:<\/td>\n<td>G20, G21, O16<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr style=\"height: 5px; background-color: #0188a6; margin-top: 5px; margin-bottom: 5px;\" \/>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><table style=\"border: 0px solid #CCC;\" cellpadding=\"3\" width=\"100%\">\r\n  <tr>\r\n    <td width=\"35\">\r\n      <img decoding=\"async\" src=\"https:\/\/www.berjournal.com\/tr\/wp-content\/uploads\/icons\/pdf.gif\" alt=\"https:\/\/www.berjournal.com\/tr\/wp-content\/uploads\/icons\/pdf.gif\" width=20 height=18>\r\n    <\/td>\r\n    <td>\r\n      <b> \r\n<a href=\"https:\/\/www.berjournal.com\/tr\/?file_id=647\">Tam Metin\r\n<\/b> ( <span style=\"font-weight:bolder;\">\u2193<\/span> 2988)<\/a>    <\/td>\r\n  <\/tr>\r\n<\/table>Tam Metin\r\n<\/b> ( <span style=\"font-weight:bolder;\">\u2193<\/span> 2988)<\/a>    <\/td>\r\n  <\/tr>\r\n<\/table><\/p>\n<div class=\"pvc_clear\"><\/div>\n<p id=\"pvc_stats_4865\" class=\"pvc_stats all  \" data-element-id=\"4865\" style=\"\"><i class=\"pvc-stats-icon medium\" aria-hidden=\"true\"><svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"far\" data-icon=\"chart-bar\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\" class=\"svg-inline--fa fa-chart-bar fa-w-16 fa-2x\"><path fill=\"currentColor\" d=\"M396.8 352h22.4c6.4 0 12.8-6.4 12.8-12.8V108.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v230.4c0 6.4 6.4 12.8 12.8 12.8zm-192 0h22.4c6.4 0 12.8-6.4 12.8-12.8V140.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v198.4c0 6.4 6.4 12.8 12.8 12.8zm96 0h22.4c6.4 0 12.8-6.4 12.8-12.8V204.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v134.4c0 6.4 6.4 12.8 12.8 12.8zM496 400H48V80c0-8.84-7.16-16-16-16H16C7.16 64 0 71.16 0 80v336c0 17.67 14.33 32 32 32h464c8.84 0 16-7.16 16-16v-16c0-8.84-7.16-16-16-16zm-387.2-48h22.4c6.4 0 12.8-6.4 12.8-12.8v-70.4c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v70.4c0 6.4 6.4 12.8 12.8 12.8z\" class=\"\"><\/path><\/svg><\/i> <img loading=\"lazy\" decoding=\"async\" width=\"16\" height=\"16\" alt=\"Loading\" src=\"https:\/\/www.berjournal.com\/wp-content\/plugins\/page-views-count\/ajax-loader-2x.gif\" border=0 \/><\/p>\n<div class=\"pvc_clear\"><\/div>","protected":false},"excerpt":{"rendered":"<p>Makale Bilgileri Dergi: Business and Economics Research Journal Makalenin Ba\u015fl\u0131\u011f\u0131: T\u00fcrkiye\u2019de Finansal Tabana Yay\u0131lma D\u00fczeyi ve Belirleyicileri Yazar(lar): R\u0131fat Karaku\u015f Cilt: 11 Say\u0131: 1 Y\u0131l: 2020 Sayfa: 147-160 ISSN: 2619-9491 DOI Numaras\u0131: 10.20409\/berj.2020.241 \u00d6z Bu \u00e7al\u0131\u015fmada T\u00fcrkiye\u2019de finansal tabana yay\u0131lma d\u00fczeyinin belirlenmesi ve finansal tabana yay\u0131lmaya etki eden bireysel fakt\u00f6rlerin tespit edilmesi ama\u00e7lanm\u0131\u015ft\u0131r. Ayr\u0131ca finansal [&hellip;]<\/p>\n<div class=\"pvc_clear\"><\/div>\n<p id=\"pvc_stats_4865\" class=\"pvc_stats all  \" data-element-id=\"4865\" style=\"\"><i class=\"pvc-stats-icon medium\" aria-hidden=\"true\"><svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"far\" data-icon=\"chart-bar\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\" class=\"svg-inline--fa fa-chart-bar fa-w-16 fa-2x\"><path fill=\"currentColor\" d=\"M396.8 352h22.4c6.4 0 12.8-6.4 12.8-12.8V108.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v230.4c0 6.4 6.4 12.8 12.8 12.8zm-192 0h22.4c6.4 0 12.8-6.4 12.8-12.8V140.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v198.4c0 6.4 6.4 12.8 12.8 12.8zm96 0h22.4c6.4 0 12.8-6.4 12.8-12.8V204.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v134.4c0 6.4 6.4 12.8 12.8 12.8zM496 400H48V80c0-8.84-7.16-16-16-16H16C7.16 64 0 71.16 0 80v336c0 17.67 14.33 32 32 32h464c8.84 0 16-7.16 16-16v-16c0-8.84-7.16-16-16-16zm-387.2-48h22.4c6.4 0 12.8-6.4 12.8-12.8v-70.4c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v70.4c0 6.4 6.4 12.8 12.8 12.8z\" class=\"\"><\/path><\/svg><\/i> <img loading=\"lazy\" decoding=\"async\" width=\"16\" height=\"16\" alt=\"Loading\" src=\"https:\/\/www.berjournal.com\/wp-content\/plugins\/page-views-count\/ajax-loader-2x.gif\" border=0 \/><\/p>\n<div class=\"pvc_clear\"><\/div>\n","protected":false},"author":4638,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3,1,7],"tags":[],"class_list":["post-4865","post","type-post","status-publish","format-standard","hentry","category-makale","category-manuscript","category-manuscript2"],"a3_pvc":{"activated":true,"total_views":127,"today_views":0},"_links":{"self":[{"href":"https:\/\/www.berjournal.com\/tr\/wp-json\/wp\/v2\/posts\/4865","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.berjournal.com\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.berjournal.com\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.berjournal.com\/tr\/wp-json\/wp\/v2\/users\/4638"}],"replies":[{"embeddable":true,"href":"https:\/\/www.berjournal.com\/tr\/wp-json\/wp\/v2\/comments?post=4865"}],"version-history":[{"count":0,"href":"https:\/\/www.berjournal.com\/tr\/wp-json\/wp\/v2\/posts\/4865\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.berjournal.com\/tr\/wp-json\/wp\/v2\/media?parent=4865"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.berjournal.com\/tr\/wp-json\/wp\/v2\/categories?post=4865"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.berjournal.com\/tr\/wp-json\/wp\/v2\/tags?post=4865"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}