Hanehalklarının Tasarruf Tercihlerinin Belirleyicileri: Türkiye Örneğine Nested Logit Model Uygulaması

Year 2023, Volume: 7 Issue: 1, 547 - 564, 31.01.2023

Kübranur Çebi Karaaslan , Erkan Oktay , Abdulkerim Karaaslan , Ömer Alkan

https://doi.org/10.29023/alanyaakademik.1208751

Cited By: 1

Abstract

Ekonomik aktivitenin en önemli yapı taşı olan tasarruflar tüm karar birimleri için oldukça önemlidir. Karar birimleri arasında hanehalkları ise tasarrufları aracılığıyla sürdürülebilir büyümeyi ve ekonomik kalkınmayı desteklemektedir. Hanehalkı tasarruflarının oluşturacağı bu ekonomik etki sadece ne kadar tasarruf edildiğine değil bu tasarrufların nasıl değerlendirildiğine de bağlıdır. Hanehalkları tasarruf yapıyor mu ve yapıyorsa tasarruflarını nerede değerlendirmektedir? Bu sorulara aranılan cevaplar çalışmanın motivasyonunu oluşturmuştur. Çalışmanın kapsamlı veri seti Türkiye İstatistik Kurumundan sağlanmıştır. Çalışmada eş zamanlı olarak hem tasarruf yapıp yapmama durumunu etkileyen faktörler hem de yapılan tasarrufların nerede değerlendirileceğini etkileyen faktörleri bir arada incelemeye imkan sunan nested logit model kullanılmıştır. Çalışma sonuçlarına göre, demografik, ekonomik faktörler ile konut özellikleri ve sosyal-çevresel göstergelerin hanelerin tasarruf tercihleri üzerinde etkili olduğu tespit edilmiştir. Bu özelliklerin etkilerinin belirlenmesi hanehalkı tasarruf tercihlerini açıklamaya ve hanehalkarının tasarruflarını sistemde doğru bir şekilde değerlendirmeleri için politika yapıcılara yol gösterecektir.

Keywords

Hanehalkı Tasarrufları, Davranışsal İktisat, Mikroekonometri, Kesikli Tercih Modeli, Nested Logit Model

Supporting Institution

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Project Number

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Thanks

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Determinants of Households' Saving Preferences: Application of Nested Logit Model to Turkey Example

Abstract

Savings, which are the most important building blocks of economic activity, are very important for all decision units. Among the decision units, households support sustainable growth and economic development through their savings. This economic impact of household savings depends not only on how much is saved, but also on how these savings are evaluated. Do households save and, if so, where do they put their savings? The answers to these questions formed the motivation of the study. The comprehensive data set of the study was obtained from the Turkish Statistical Institute. In the study, the nested logit model was used, which allows to examine simultaneously both the factors affecting the state of saving and the factors affecting where the savings will be evaluated. According to the results of the study, it has been determined that demographic, economic factors, housing characteristics and social-environmental indicators are effective on the savings preferences of the households. Determining the effects of these features will guide policy makers to explain household saving preferences and evaluate household savings accurately in the system.

Keywords

Household Savings, Behavioural Economics, Microeconometrics, Discrete Choise Model, Nested Logit Model

Project Number

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