RİSKTEN KAÇINMA: KAYBETME KORKUSU

Yıl 2020, Cilt: 12 Sayı: 1, 52 - 77, 30.06.2020

Mustafa Şeref Akın

Öz

Kişilerin yatırım yapmaktan kaçınmada sahip oldukları varlığı kaybetme korkusu
yatmaktadır. Yatırımdan gelecek potansiyel kaybın potansiyel kazançtan
ağırlığının çok daha yüksek olması da yatırımdan cayma sebebidir. Yatırım
projesinin başında iştahlıyken proje günü yaklaştığında vazgeçme eğilimi şiddetli
şekilde artmaktadır. Servetin muhafazası, kaybetmeye tepki ve zaman faktörlerinin
rasyonel iktisattın öngörüsü olan getiri oranıyla ilgisi bulunmaktadır.
Davranışsal iktisattın ortaya çıkmasının sebebi de rasyonel iktisat teorisinin
kişilerin yaşadığı psikolojiyi anlamakta ve sürece katmakta eksikliğindendir.
Makalede bu kaybetme korkusunu yenmek için izlenmesi gereken metotlar
irdelenmiştir. Bu yöntemler ana husus olayı farklı şekilde algılamasını ve konuya
zamanla adım adım ısınmasını sağlamaktır.

Anahtar Kelimeler

Davranışsal İktisat, Risk, Kaybetmekten Kaçınma, Servet Etkisi, Batık Maliyet

RISK AVOID: FEAR OF LOSS

Öz

People are reluctant to invest due to the fear of loss of their endowment. The
reaction of potential loss from the investment is much higher than the potential
gain. When the launching of the project is closing, the tendency to abandon is
increasing sharply. The maintenance of endowment, the response to loss and the
time factors are unrelated to the rate of return, which is the prediction of rational
economics. The reason for the emergence of behavioral economics is the lack of
understanding of the psychology of individuals. In the article, the methods to be
followed to overcome this fear of losing are investigated. The main point of these
methods is to perceive the event in a different way and to warm up the subject step
by step over time.

Anahtar Kelimeler

Behavioral Economics, Risk, Loss Avoid, Endowment Effect, Sunk Cost Fallacy

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