Bireylerin Risk Azaltma Stratejilerini Etkileyen Faktörler Üzerine Ampirik Bir Araştırma

Bireylerin artan kişisel sorumluluklarından ötürü, risk azaltmastratejilerini yönetmede bireysel sigorta tercihlerini etkileyengüdülerin tespiti öncekinden daha önemli hale gelmiştir. Araştırmatip A davranışı, kontrol odağı, heyecan arama, kaygılı olma,finansal risk toleransının sigorta tercihlerindeki rolünü sorgulamayıamaçlamaktadır. 71 kişilik örneklem veri setine uygulanan analizsonuçları kaygılı olma, kontrol odağının tip A davranışı üzerinde,bu davranışının ve heyecan aramanın finansal risk toleransı üzerinde,finansal risk toleransının sigorta sayısında etkili olduğunugöstermiştir.

Anahtar Kelimeler:

Kontrol Odağı, Heyecan Arama, Tip A Kişiliği, Finansal Risk Toleransı, Sigorta Tercihleri

An Empirical Study on Psychological Motives for Individuals’ Risk Mitigating Strategies

Due to their increasing responsibility in risk mitigatingstrategies, understanding motives for insurance preferences ismore important than before. This study aims to explore anxiety,locus of control (LoC), type A, sensation seeking and financial risktolerance (FRT)’s role on insurance preferences. Results indicatethat (a) anxiety and LoC as significant on type a personality, (b)type a and sensation seeking as notable on FRT and (c) FRT asimportant on insurance preferences.

Keywords:

locus of control, sensation seeking, type a personality, financial risk tolerance, insurance preference,

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