Kriz Dönemlerinde Risk Algısının Tüketici Davranışlarına Etkisi: Deprem Örneği

Year 2024, Volume: 8 Issue: 1, 237 - 253, 31.01.2024

Nuray Eser , Aslıhan Yavuzalp Marangoz

https://doi.org/10.29023/alanyaakademik.1325326

Abstract

Bu çalışma, 6 Şubat depremi sonrası tüketicilerin risk algısının tüketici davranışlarına etkisini tespit etmek amacıyla yapılmıştır. Bu bağlamda risk algısının sigorta satın alma istekliliği ve stokçuluk davranışları arasındaki ilişki ele alınmıştır. 555 katılımcıdan kolayda örneklem yöntemiyle elde edilen veriler, çoklu regresyon analizi kullanılarak incelenmiştir. Elde edilen verilere göre, risk algısı kontrol edilebilirlik ve endişe alt boyutlarının sigorta satın alma davranışını anlamlı bir şekilde etkilediği, olasılık alt boyutunun ise istatiksel olarak anlamlı bir şekilde etkilemediği tespit edilmiştir. Diğer taraftan risk algısı endişe alt boyutunun stokçuluk davranışını anlamlı bir şekilde etkilediği kontrol edilebilirlik ve olasılık alt boyutlarının etkilemediği ortaya konmuştur. Elde edilen bulgular alanyazın çerçevesinde tartışılmış ve sonraki araştırmalar için önerilerde bulunulmuştur.

Keywords

Risk Algısı, Endişe, Olasılık, Kontrol Edilebilirlik, Stokçuluk, Sigorta Satın Alma İstekliliği

The Effect of Risk Perception on Consumer Behavior in Crisis Times: Earthquake Sample

Abstract

This study was conducted to determine the effect of consumers' risk perception on consumer behavior after the February 6 earthquake. In this context, the relationship between risk perception, willingness to buy insurance and stockpiling behaviors is discussed. The data obtained from the convenience sampling method of 555 participants were examined using multiple regression analysis. According to the data obtained, it was determined that the risk perception, controllability and anxiety sub-dimensions significantly affected the insurance purchasing behavior, while the probability sub-dimension did not affect the insurance purchasing behavior in a statistically significant way. On the other hand, it was revealed that the risk perception anxiety sub-dimension significantly affected the stockpiling behavior, while the controllability and probability sub-dimensions did not. The findings were discussed within the framework of the literature and suggestions were made for subsequent research.

Keywords

Risk Perception, Anxiety, Probability, Controllability, Stockpiling, Willingness To Buy Insurance

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