<?xml version="1.0" encoding="UTF-8"?><OAI-PMH xmlns="http://www.openarchives.org/OAI/2.0/" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.openarchives.org/OAI/2.0/ http://www.openarchives.org/OAI/2.0/OAI-PMH.xsd"><responseDate>2026-10-23T14:56:52Z</responseDate><request verb="GetRecord" identifier="oai:gumushane-rdlopen.rawdatalibrary.net:gumushane/20898" metadataPrefix="oai_dc">https://gumushane-rdlopen.rawdatalibrary.net/oai/request</request><GetRecord><record><header><identifier>oai:gumushane-rdlopen.rawdatalibrary.net:gumushane/20898</identifier><datestamp>2026-10-22T11:44:20Z</datestamp><setSpec>openaire</setSpec><setSpec>driver</setSpec><setSpec>com_gumushane_10000</setSpec><setSpec>col_gumushane_10001</setSpec></header><metadata><oai_dc:dc xmlns:oai_dc="http://www.openarchives.org/OAI/2.0/oai_dc/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.openarchives.org/OAI/2.0/oai_dc/ http://www.openarchives.org/OAI/2.0/oai_dc.xsd"><dc:title xml:lang="tr">Kamu personelleri finansal okuryazarlık düzeylerinin otomatik katılım sistemi'nden ayrılma eğilimine etkisi: Erzincan iline yönelik bir uygulama</dc:title><dc:title xml:lang="en">The effect of financial literacy levels of public personnel on the leaving tendency from automatic participation system: An application for the province of Erzincan</dc:title><dc:creator>Fatih Bilgin</dc:creator><dc:contributor>Doç. Dr. Alper Veli Çam</dc:contributor><dc:subject xml:lang="en">Individual retirement</dc:subject><dc:subject xml:lang="en">Pension system</dc:subject><dc:subject xml:lang="en">Erzincan</dc:subject><dc:subject xml:lang="en">Financial literacy</dc:subject><dc:subject xml:lang="en">Public personnel</dc:subject><dc:subject xml:lang="en">Automatic participation</dc:subject><dc:subject xml:lang="en">Social insurances system</dc:subject><dc:subject xml:lang="tr">Bireysel emeklilik</dc:subject><dc:subject xml:lang="tr">Emeklilik sistemi</dc:subject><dc:subject xml:lang="tr">Erzincan</dc:subject><dc:subject xml:lang="tr">Finansal okuryazarlık</dc:subject><dc:subject xml:lang="tr">Kamu personeli</dc:subject><dc:subject xml:lang="tr">Otomatik katılım</dc:subject><dc:subject xml:lang="tr">Sosyal sigortalar sistemi</dc:subject><dc:description xml:lang="tr">Türkiye'de 2001 yılında uygulanmaya başlanan Bireysel Emeklilik Sistemi ile birlikte, 01.01.2017 tarihi itibariyle yurtiçi tasarruf oranlarının artırılması ve bireylerin aktif dönemdeki gelir seviyelerini korumak amacıyla Otomatik Katılım Sistemi'ne geçilmiştir. Otomatik Katılım Sistemi ile kamu ve özel sektörde çalışan 45 yaş altındaki tüm çalışanlar kademeli olarak sisteme dâhil edilmiş ve edilmektedir. Bu çalışmada kamu personellerinin finansal okuryazarlık düzeyini ölçen ve bu doğrultuda yeni bir sistem olan Otomatik Katılım Sistemi'nde kamu personellerinin sistemde kalma ve sistemden ayrılma eğilimleri anket yöntemi ile belirlenmeye çalışılmıştır.</dc:description><dc:description xml:lang="en">Automatic Participants System passed to preerve income level in active term of individuals and domestic saving proportions increase as of the date of 01.01.2017 with together Individual Retirement System that begin yo practicein 2001, in Turkey. All employee that are under 45 years of age that work in public and private sector with Automatic Participants System were included and have been include fractionally. The tendecies staying that measure financial literate level of public personels and in this direction in Automatic Participants System that is anew system had tried to determine by survey method, in this study.</dc:description><dc:publisher>Gümüşhane University</dc:publisher><dc:date>2019</dc:date><dc:type>Master Thesis</dc:type><dc:identifier>https://rdlopen.rawdatalibrary.net/r/gumushane/20898</dc:identifier><dc:language>tr</dc:language><dc:rights>info:eu-repo/semantics/openAccess</dc:rights><dc:type>info:eu-repo/semantics/masterThesis</dc:type><dc:identifier>https://gumushane-rdlopen.rawdatalibrary.net/tr/items/gumushane/20898</dc:identifier></oai_dc:dc></metadata></record></GetRecord></OAI-PMH>