Türkiye’de Hanehalkı Nakit Kullanımını Belirleyen Faktörler

Bu çalışmada alışverişlerdeki ödemelerde nakit kullanımında etkili olan faktörler TCMB tarafından 2020 yılında gerçekleştirilen Nakit Kullanım Alışkanlıkları Anketi verileri kullanılarak araştırılmıştır. Probit model; demografik faktörlerin, işleme ilişkin özelliklerin ve nakde ilişkin tutum ve yargıların kişilerin nakit ile ödeme yapma tercihinde belirleyi- ci olduğunu göstermektedir. Çalışmanın ana bulgusu; demografi ve işlem özelliklerine ek olarak, nakdi diğer ödeme yöntemlerinden ayıran özelliklerden kaynaklanan tutum ve yargıların nakit kullanma tercihinde açıklayıcı oluşudur. Sonuçlar, nakit kullandığında bütçe kontrolü sağlanacağını ve nakdin diğer ödeme yöntemlerine göre daha güvenli ol- duğunu düşünenlerin nakit kullanma olasılığının daha yüksek olduğunu göstermektedir.

Factors Affecting Household Cash Usage in Turkey

This study investigates cash usage in POS transactions by analyzing the data of the Methods of Payment Survey conducted by CBRT in 2020. The probit model shows that demographic factors, transactional characteristics, and attitudes judgments towards cash affect individuals’ preference to pay with cash. The main finding of the study is that attitudes and judgments arising from the features of cash that distinguish cash from other payment methods are explanatory, in addition to demographic and transac- tion characteristics. The results demonstrate that the individuals stating that cash usage contributes to budget controlling and safety are more likely to use cash.

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