Türkay ŞAHİN, Tuna CAKAR, Seyit ERTUĞRUL, Cem YİGMAN

TASARRUF ETME DAVRANIŞININ ALTINDA YATAN PSİKOLOJİK FARKLILIKLAR

Bireyler, psikolojik özelliklere bağlı olarak para idaresi davranışları bakımından farklılaşırlar. Bu araştırmanın temel amacı, Türkiye’de yer alan bir faktoring firması bünyesinde geliştirilen kredi risk değerlendirme modeline katkıda bulunmaktı. Bu amaçla, kişilik özellikleri, benlik saygısı, materyal ve paraya atfedilen değer, kompülsif ve anlık satın alım yatkınlıkları, öz-kontrolün farklı boyutları ve dürtüsellik değişkenini kullanarak bu araştırmayı yürüttük. İstatistiksel analizler, düzenli olarak bir miktar tasarruf eden ve etmeyen insanlar arasında ortalama anlık satın alım, kompülsif satın alım, dürtüsellik, elde tutma-zaman ve dışadönüklük farklılıkları olduğunu gösterdi. Ayrıca, binary lojistik regresyon modeli, elde tutma-zaman, dürtüsellik, dışadönüklük, uyumluluk ve yaşantısal öz-kontrol değişkenlerinin tasarruf eden ve etmeyen insanları anlamlı bir şekilde ayırabildiğini gösterdi. Bazı t-test ve regresyon sonuçları şaşırtıcıydı; dolayısıyla, bu sonuçlar katılımcıların sahip oldukları finansal özellikler yardımıyla tartışma kısmında açıklanacaktır.

Anahtar Kelimeler:

Para idaresi, finansal davranış, tasarruf etme davranışı, kişilik, faktoring

UNDERPINNINGS OF PSYCHOLOGICAL DIFFERENCES FROM THE POINT OF SAVING BEHAVIOR

Individuals differ in terms of money management behaviors based on psychological characteristics. The main purpose of conducting research is to contribute to the development of a new credit risk assessment model to be used by a factoring firm, located in Turkey. For this reason, we conducted this research, using surveys related to personality traits, self-esteem, the value attributed to the materials and money, compulsive and impulsive buying tendencies, different aspects of self-control, and impulsiveness. Statistical analysis showed that there were significant differences between the individuals who save regularly and those who do not in terms of average impulsive buying, compulsive buying, impulsivity, retention-time, and extraversion scores. Also, the binary logistic model showed that time-retention, impulsivity, extraversion, agreeableness, and experiential self-control can successfully discriminate savers and non-savers. Some t-test and regression results were surprising; thus, these results will be evaluated through financial features of the participants in the discussion part.

Keywords:

Money management, financial behavior, saving behavior, personality, factoring,

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