Türkiye'de Bireysel Emeklilik Sistemi'ndeki Cinsiyet Farklılıklarının Analizi

Bu çalışmada Türkiye’de devam eden sosyal güvenlik reformunun önemli bir parçası olarak 2003 yılında oluşturulan Bireysel Emeklilik Sistemi cinsiyetçi bir bakış açısı ile incelemektedir. Toplumsal cinsiyet (gender) sosyal güvenlik sistemleri üzerine yapılan çalışmalarda önemli bir inceleme alanıdır. Bu çerçevede, bu çalışma Türkiye’deki özel emeklilik sistemini inceleyerek bu konudaki çok sınırlı yazına katkıda bulunmaktadır. Çalışmada Emeklilik Gözetim Merkezinin tarafından sunulan ve sistemdeki 1.3 milyonun üzerindeki katılımcının sosyo-ekonomik bilgilerini içeren veri seti kullanılarak erkek ve kadın arasındaki prim miktarındaki farklılığın varlığı ve belirleyicileri ayrıştırma yöntemi ile incelenmiştir. Bu çerçevede, beklendiği üzere, sistemde genel anlamda kadın ve erkek arasında prim üretimi açısından cok belirgin bir farklılığa rastlanmamıştır. Ancak inceleme farklı gelir grupları için derinleştirilerek, eğitim düzeyi ve katılımcıların bölgelerinin sosyo-ekonomik gelişmişlik düzeyi gibi bir takim değişkenlerin etkisi incelenmiştir.

An Analysis of Gender Gaps in the Private Pension Scheme in Turkey

This study analyzes the Individual Pension System, which was introduced in 2003 as an essential part of the ongoing social security system in Turkey, from gendered perspective. Gender is an important analytical category in studies on social security systems. In this context, the study aims to contribute to the literature by analyzing the private pension scheme in Turkey. By using the actual data of over 1.3 million participants in the system provided by the Pension Monitoring Center, the study aims to decompose the determinants of the discrepancy in premiums between men and women. In this context, as expected, there is no remarkable gender gap in terms of payments into the system. However, the analysis is extended to consider different income groups and the effect of some socio-economic variables such as education and human development level of the participant’s origin on the within group gender gap.

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