A research on determining financial literacy level's in SMEs: Sample of Şırnak province

The aim of this study is to examine financial literacy level of SME's in Şırnak province. As an example, for this study, 312 men, 23 women and 335 SMEs and managers were taken from Şırnak and the screening model was used in the study. IBM static SPSS 22.00 analysis was performed using static data analysis software. Data analysis provides a frequency distribution that can vary significantly during data analysis. To examine the relationship between married single and male and female independent variables, a "t-test" and "one-sided analysis of the relationship between more than two variables and financial knowledge and behavior levels" (ANOVA) were used to determine the significance of the two mean differences. may be. Tukey test was used to determine whether the groups differed. According tothe findings obtained, it has been observed that there is no significant difference between financial literacy levels and the age, gender, education, marriage, sector, and managers of the KOBİ owner. The result is that the increase in the credit knowledge level of KOBİ owners and managers results in an increase in financial literacy level by 52.3 percent. An increase of 1 unit in the credit diversity knowledge of KOBİ owners or managers can be interpreted as a contribution of 1,634 to their financial behavior. Keywords: Financial Literacy, Financial Education, SME