Snob Etkisi, Bandwagon Etkisi ve Finansal Davranış: İspanyol ve Türk Öğrenciler Arasında Karşılaştırmalı Bir Çalışma

Cinsiyet, yaş, kişisel finans ile ilgili ön bilgi, eğitim düzeyi ve gelir seviyesi gibi hanehalkının finansal davranış, finansal tutum ve finansal okuryazarlığını etkileyen bazı belirleyiciler bulunmaktadır. Bu çalışmada finansal davranışa yönelik olası belirleyiciler tespit edilmeye çalışılmaktadır. Bu çalışma, İspanya ve Türkiye'deki üniversite öğrencilerinde finansal davranış ile snob etkisi ve bandwagon etkisi arasındaki ilişkiyi incelemeyi amaçlamıştır. Verilerin toplanması için çevrimiçi anket kullanılmıştır. Çalışmaya İspanya ve Türkiye'den toplam 367 öğrenci dahil edilmiştir. Verilerin analizi için Bağımsız Örneklem t Testi kullanılmıştır. Çalışmada, İspanyol ve Türk öğrenciler açısından Snob olmak ile olumlu finansal davranışlara sahip olmak arasında negatif bir ilişki olduğu tespit edilmiştir. Snob olma eğiliminde olan öğrencilerin bu eğilime sahip olmayan öğrencilerden daha düşük düzeyde olumlu finansal davranışlara sahip olduğu tespit edilmiştir. Badnwagon etkisinin her iki öğrenci grubu için de olumlu finansal davranışa sahip olma üzerinde hiçbir etkisi olmadığı sonucuna ulaşılmıştır. Ayrıca, daha dayanıklı ürünlere önem veren öğrencilerin önem vermeyen öğrencilerden daha yüksek düzeyde finansal davranışa sahip olduğu bulunmuştur. Bu çalışma, snob etkisinin olumsuz finansal davranışa yol açtığı sonucuna ulaşmıştır. Öte yandan, dayanıklı ürün satın almaya yönelik karşılaştırma yapmanın öğrencilerin finansal davranışlarını olumlu etkilediği belirlenmiştir. Politika yapıcılar bireylerin olumlu finansal davranış düzeyini artırmak için bu çalışmanın sonuçlarını kullanabilirler. Bilinen temel belirleyicilerin yanı sıra snob etkisinin de finansal davranışın bir belirleyicisi olarak düşünülmesi, finansal davranışı ve finansal okuryazarlığı geliştirmek için faydalı sonuçlar ortaya çıkarabilir.

Snob Effect, Bandwagon Effect and Financial Behavior: A Comparative Study among Spanish and Turkish Students

There are some determinants affecting households’ financial behaviors, financial attitudes, and financial literacy such as gender, age, pre-knowledge on personal financial issues, education level and income level. This study tried to find out new possible determinants for financial behaviors. The study aimed to investigate the associations between financial behavior and snob effect and bandwagon effect among university students in Spain and Turkey. An online survey instrument was used for data collection. Totally 367 students from Spain and Turkey were included in the research. The Independent Samples t-Test was used for data analysis. The study found a negative association between being a snob person and having a positive financial behavior for Spanish and Turkish students. Students who tend to be snob had a lower level of positive financial behaviors than those who don’t have any tendency to be a snob. Bandwagon effect didn’t influence having positive financial behavior for both Spanish and Turkish participant students in this study. Students who care for longer-lasting products had a higher level of financial behavior than those who don’t care for longer-lasting products. This study concluded that the snob effect leads to negative financial behavior. On the other hand, comparison shopping for longer-lasting products positively affects the financial behaviors of students. Policymakers might use the results of this study to increase the level of positive financial behavior of individuals. Considering the snob effect as a determinant of financial behavior as well as the main known determinants might produce beneficial results for enhancing financial behavior and financial literacy.

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Turkish Studies - Economics, Finance, Politics-Cover

ISSN: 2667-5625
Yayın Aralığı: Yılda 4 Sayı
Başlangıç: 2006
Yayıncı: ASOS Eğitim Bilişim Danışmanlık Otomasyon Yayıncılık Reklam Sanayi ve Ticaret LTD ŞTİ