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This chapter examines public awareness of interest-free financial products in Turkey, focusing on demographic influences such as gender, age, education, and income. Utilizing the Theory of Reasoned Action (TRA), a field survey was conducted to assess knowledge levels and behavioral intentions toward alternative financing models. Data from 572 participants were analyzed via Chi-square tests and cross tabulations in R (programming language) and SPSS (Statistical Package for the Social Sciences). Results revealed moderate awareness among 58% of respondents, with 22% exhibiting limited understanding. Gender, age, and education significantly correlated with awareness, while income showed no statistical impact. Notably, younger, educated demographics and males demonstrated higher engagement with interest-free options. The findings underscore the need for targeted strategies to enhance public understanding, particularly through education and outreach, to foster sectoral growth and adoption of savings finance models.

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The Savings Finance Sector and Public Awareness Analysis

  • 章节

  • 发表日期：

    2025年

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  • N. Melis Esenyel İçen,
  • Murat İstekli

摘要

This chapter examines public awareness of interest-free financial products in Turkey, focusing on demographic influences such as gender, age, education, and income. Utilizing the Theory of Reasoned Action (TRA), a field survey was conducted to assess knowledge levels and behavioral intentions toward alternative financing models. Data from 572 participants were analyzed via Chi-square tests and cross tabulations in R (programming language) and SPSS (Statistical Package for the Social Sciences). Results revealed moderate awareness among 58% of respondents, with 22% exhibiting limited understanding. Gender, age, and education significantly correlated with awareness, while income showed no statistical impact. Notably, younger, educated demographics and males demonstrated higher engagement with interest-free options. The findings underscore the need for targeted strategies to enhance public understanding, particularly through education and outreach, to foster sectoral growth and adoption of savings finance models.