Yetişkinlerde Finansal Sıkıntı: Türkiye, Eskişehir’de Bir Anket Uygulaması
Finansal sağlık, finansal memnuniyeti ve ve bunun sonucunda yaşam memnuniyetini etkileyebilecek en önemli faktörlerden biri olarak kabul edildiğinden, finansal sıkıntı önemli bir araştırma konusu olarak ortaya çıkmıştır. Çalışmada, Türkiye’nin Eskişehir kentinde yaşayan hane halklarını temsil eden bir örneklem üzerinde anket uygulanarak; Finansal Sıkıntı, Finansal Yönetim Davranışı, Paraya Karşı Tutum değişkenleri ölçülmüş ve bu değişkenler arasındaki ilişkiler Yapısal Eşitlik Modelleri ile modellenmeye çalışılmıştır. Modelin sonuçlarına göre, yüksek derecedeki finansal sıkıntı, riskli finansal yönetim davranışı ile pozitif, yatırım odaklı finansal yönetim davranışı ile negatif ilişki göstermektedir. Ayrıca, para odaklı finansal tutum ve yatırım odaklı finansal yönetim davranışı birbirleriyle pozitif ilişki göstermektedir. Bulgulara göre, evli yetişkinler finansal yönden en yüksek memnuniyete sahipken, bekar yetişkinler finansal yönden en düşük memnuiyete sahip görünmektedir. Ancak, ilginç şekilde, bekar yetişkin grubu aynı zamanda en az finansal sıkıntı yaşayan gruptur. Öte yandan, boşanmış yetişkinler, en fazla finansal sıkıntı yaşayan gruptur. Orta yaşlı yetişkinler, gençlere göre finansal durumlarını daha fazla gözden geçirmektedir. Hem genç, hem orta yaşlı kadınlar, erkeklere göre finansal durumlarını daha fazla gözden geçirmektedir. Kadınlar, erkeklere göre daha fazla düzenli tasarruf yapma eğilimindedir. Benzer şekilde, genç yetişkinler daha fazla düzenli tasarruf yapma eğilimindedir.
Anahtar Kelimeler:
Finansal Sıkıntı, Finansal Yönetim Davranışı, Paraya Karşı Tutum, Yapısal Eşitlik Modelleri
Financial Distress Of Adults: A Survey In Eskişehir, Turkey
As financial well-being is considered to be one of the most important factors which may affect the level of financial satisfaction and consequently the level of life satisfaction, financial distress has emerged as an important subject of research. We measure the variables of financial distress, financial management behavior and money attitude for adults with a survey conducted on a sample of households living in Eskişehir, Turkey and attempt to model the interrelationships between these variables using Structural Equation Models. The results of the model reveal that High Level of Financial Distress is associated positively with Risky Financial Management Behavior and negatively with Investment Oriented Financial Management Behavior. Moreover, Money Oriented Financial Attitude and Investment Oriented Financial Management Behavior are positively correlated. According to the findings, married adults seem to be the most financially satisfied group, whereas single adults seem to be the least financially satisfied group. Yet, interestingly, they are the least financially distressed group as well. Divorced adults, on the other hand, seem to be the most financially distressed group. Middle aged adults seem to overview their financial position more often than young adults. Both young and middle aged women seem to overview their financial position more often than men. Women tend to save more on a regular basis compared to men. Similarly, young adults tend to save more on a regular basis.
Keywords:
Financial Distress, Financial Management Behavior, Money Attitude, Structural Equation Models,
___
- Dowling, N.A; Corney, T. and Hoiles, L. (2009). Financial Management Practices and Money Attitudes as Determinants of Financial Problems and Dissatisfaction in Young Male Australian Workers, Journal of Financial Counseling and Planning Volume 20, Issue 2.
- Godwın, D.D. and Carroll, D.D. (1986). Financial management attitudes and behaviour of husbands and wives, International Journal of Consumer Studies, Volume 10, 77–96.
- Gutter, M. and Copur, Z. J Fam. (2011). Financial Behaviors and Financial Well-Being of College Students: Evidence from a National Survey, Econ Iss 32: 699. https://doi.org/10.1007/s10834-011-9255-2
- JBR (2014). Subarna Bir. Knowledge, Attitude and their Effect on the Recently Graduated Employees’ Financial Management Practices and Satisfaction, Economic Literature.
- Joo, S. and Grable, J.E. (2004). An Exploratory Framework of the Determinants of Financial Satisfaction, Journal of Family and Economic Issues, Vol. 25(1), 25-50, Spring.
- Jöreskog, K. G. and Sörbom, D. (1989). LISREL 7: A guide to the program and applications.Chicago: SPSS.
- Lim, V.K.G. and Teo T.S.H. (1997). Sex, money and financial hardship: an empirical study of attitudes towards money among undergraduates in Singapore. Journal of Economic Psychology, 18(4), 369-386.
- Lusardi A. and Tufano P. (2009). Debt Literacy, Financial Experiences, and Overindebtedness, NBER Working Paper No. 14808, March.
- Mien, NTN, Thao TP. (2015). Factors affecting personal financial management behaviors: evidence from Vietnam, Proceedings of the Second Asia-Pacific Conference on Global Business, Economics, Finance and Social Sciences (AP15Vietnam Conference), 10-12/07/2015 -digital.lib.ueh.edu.vn
- Parrotta, J.L. and Johnson, P.J. (1998). The Impact Of Financial Attitudes And Knowledge On Financial Management And Satisfaction Of Recently Married Individuals, Association for Financial Counseling and Planning Education, 59-75.
- Porter, N.M. and Garman, E.T. (1993). Testing a Conceptual Model of Financial Well-Being, Financial Counseling and Planning, Volume 4, 135-164.
- Prawitz, A. D., Garman, E. T., Sorhaindo, B., O’Neill, B., Kim, J., and Drentea, P. (2006). The InCharge Financial Distress/Financial Well-Being Scale: Development, administration, and score interpretation. Financial Counseling and Planning, 17(1), 34-50. http://www.afcpe.org/publications/journal-articles.php
- Qamar, M. A. J., Khemta, Muhammad A. N., Jamil, H. (2016). How Knowledge and Financial Self-Efficacy Moderate the Relationship between Money Attitudes and Personal Financial Management Behavior, European Online Journal of Natural and Social Sciences; www.european-science.com, Vol.5, No.2 pp. 296-308
- Santos, E. and Abreu, M. (2013). Financial Literacy, Financial Behaviour and Individuals’ Over-indebtedness, Workıng Papers, ISSN Nº 0874-4548.
- Shim, S.; Xiao, J.J.; Barber, B.L. and Lyons, A.C. (2009). Pathways to life success: A conceptual model of financial well-being for young adults, Journal of Applied Developmental Psychology 30, 708–723.
- Tatzel, M. (2002). ‘‘Money worlds’’ and well-being: An integration of money dispositions, materialism and price-related behavior, Journal of Economic Psychology 23, 103–126.
- Wilhelm, M.S., Varcoe, K. and Fridrich, A.H. (1993). Financial Satisfaction and Assessment of Financial Progress: Importance of Money Attitudes, Financial Counseling and Planning, Volume 4, 181-199.
- Xiao, J.J. (2008). Applying Behavior Theories to Financial Behavior, Handbook of Consumer Finance Research, 69-81.
- Xiao, J.J.; Tang, C. and Shim, S. (2009). Acting for Happiness: Financial Behavior and Life Satisfaction of College Students, Soc Indic Res, 92:53–68.
- Xiao, J. J., Chen, C., and Chen, F. (2014). Consumer financial capability and financial satisfaction. Social Indicators Research, 118(1), 415-432.
- Yılmaz, V. and Çelik, E. H. (2009). Lisrel ile Yapısal Eşitlik Modellemesi. Pegem Akademi, Ankara 2009.
- Yayın Aralığı: Yılda 3 Sayı
- Başlangıç: 2015
- Yayıncı: Aydın KARAPINAR
Sayıdaki Diğer Makaleler
Edip Sabahattin METE, Alev SÖKMEN
Murat YILDIRIM, Ömer Karakaya, İnci Merve Altan
Kadın Girişimciliğin Bibliyometrik Durum Analizi
Yetişkinlerde Finansal Sıkıntı: Türkiye, Eskişehir’de Bir Anket Uygulaması
Özlem SAYILIR, Zeynep İLHAN, Veysel YILMAZ
Çocuklar Normal Mal Mıdır, Yoksa Düşük Mal Mıdır? Neoklasik Teoriye Bir Eleştiri