A Qualitative Study on Saving Representations, Motivations and Causal Attributions in Turkey

Year 2015, Issue: 604, 23 - 28, 01.06.2015

Jale Minibas-poussard Marina Bastounıs Ahmet Tuğrul Tuğer

Abstract

The present study aims to explore the social representations, motivations and causal attributions of saving and to compare them according to demographic variables in a sample from Istanbul, Turkey. In addition, the relationships between present and past saving behavior and projection for future saving were analyzed. Social representations of saving, saving motivations and obstacles appear to be related to the incapacity to save given the financial environment. There are no major qualitative differences in the structure of social representations according to demographic variables, and only income level plays a role in the type of social representation described. Savers tend to explain saving behavior with internal attributions, and non-savers use more external attributions

Keywords

saving, causal attribution, social representations

Türkiye’de Tasarruf Davranışına İlişkin Sosyal Temsiller, Nedensel Atıflar ve Güdüler Üzerine Nitel Bir Araştırma

Abstract

Bu çalışma, tasarrufa ilişkin sosyal temsilleri, güdüleri ve nedensel atıfları incelemeyi ve demografik değişkenlere göre karşılaştırmayı amaçlamaktadır. İstanbul’da çeşitlilik içeren demografik özelliklere sahip bir örneklem üzerinde gerçekleştirilen bu araştırmada, katılımcıların geçmiş ve güncel tasarruf davranışları arasındaki ilişkileri ve gelecekteki tasarruf davranışlarına yönelik öngörüleri analiz edilmiştir. Demografik değişkenlere göre, sosyal temsiller yapısında büyük niteliksel farklılıklar bulunmamaktadır ve sosyal temsillerin farklılaşmasında yalnızca gelir seviyesi rol oynamaktadır. Tasarruf sahipleri, tasarruf davranışlarını içsel atıflarla açıklama eğilimindeyken, tasarruf yapmayanlar daha çok dışsal etkenlere atıfta bulunmaktadırlar

Keywords

Tasarruf, nedensel atıflar, sosyal temsiller

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