TY  - JOUR
T1  - Türkiye’de Finansal Katılımın Sağlık Harcamaları İçin Borçlanma, Endişeler ve Zorluk Algısına Etkisi
TT  - The Impact of Financial Inclusion on Borrowing, Concerns and Perceived Hardship for Health Expenditures in Türkiye
AU  - Durmuş, Veli
PY  - 2025
DA  - October
Y2  - 2025
DO  - 10.17336/igusbd.1403999
JF  - Istanbul Gelisim University Journal of Social Sciences
JO  - IGUJSS
PB  - İstanbul Gelisim University
WT  - DergiPark
SN  - 2148-4287
SP  - 453
EP  - 471
VL  - 12
IS  - 2
LA  - tr
AB  - Amaç: Sağlık hizmetlerine erişimde finansal engellerin bireylerin refahı üzerindeki olumsuz etkileri, özellikle ekonomik kırılganlığın yüksek olduğu toplumlarda, finansal araçların sağlık harcamalarını karşılamadaki işlevini analiz etmeyi önemli kılmaktadır. Çalışmanın amacı, Türkiye’de sağlık harcamalarıyla ilgili finansal zorlukların giderilmesinde finansal katılımın rolünü incelemek ve sosyodemografik değişkenlerle olan korelasyonunu belirlemektir. Yöntem: 2021 Global Findeks veri tabanında Dünya Bankası tarafından oluşturulan, Türkiye’deki 1000 yetişkin ile gerçekleştirilen ulusal temsili anket verileri kullanılmıştır. Katılımcıların finansal katılımı ve demografik özelliklerinin sağlık harcamalarıyla ilgili çeşitli finansal zorluk göstergelerindeki etkisini incelemek için Probit Regresyon analizi uygulanmıştır. Bulgular: Finansal katılım oranının toplamda %84 olduğu, bunun cinsiyet, yaş grubu, eğitim düzeyi gibi demografik özelliklere göre değiştiği tespit edilmiştir. Acil harcamalar için 7 ve 30 gün içinde para bulamama ve acil bir durumda tıbbi masrafları karşılayamama endişesi kadınlara kıyasla erkeklerde daha fazladır. Sağlık nedeniyle borçlanma oranı 25-34 yaş arasında en yüksek iken, en düşük 55 yaş ve üstünde görülmüştür. Sonuç: Finansal katılımın acil harcamalarda para elde etme ile ilgili zorlukları azaltmada önemli bir etkisi bulunmaktadır. Bu nedenle, yöneticilerin sağlık hizmetlerine erişimde finansal katılıma öncelik vermesi ve düşük gelirli bireylere yönelik programları desteklemesi önemlidir.
KW  - Finansal katılım
KW  - finansal zorluk
KW  - sağlık hizmetleri
KW  - sağlık harcamaları
KW  - Türkiye
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UR  - https://doi.org/10.17336/igusbd.1403999
L1  - https://dergipark.org.tr/en/download/article-file/3595584
ER  -