Research Article
BibTex RIS Cite

Bireylerin Risk Azaltma Stratejilerini Etkileyen Faktörler Üzerine Ampirik Bir Araştırma

Year 2016, , 75 - 92, 01.04.2016
https://doi.org/10.33203/mfy.312134

Abstract

Bireylerin artan kişisel sorumluluklarından ötürü, risk azaltma

stratejilerini yönetmede bireysel sigorta tercihlerini etkileyen

güdülerin tespiti öncekinden daha önemli hale gelmiştir. Araştırma

tip A davranışı, kontrol odağı, heyecan arama, kaygılı olma,

finansal risk toleransının sigorta tercihlerindeki rolünü sorgulamayı

amaçlamaktadır. 71 kişilik örneklem veri setine uygulanan analiz

sonuçları kaygılı olma, kontrol odağının tip A davranışı üzerinde,

bu davranışının ve heyecan aramanın finansal risk toleransı üzerinde,

finansal risk toleransının sigorta sayısında etkili olduğunu

göstermiştir.

References

  • Adhikari, B.K., V. O’leary. 2011. Gender Differences in Risk Aversion: A Developing Nation’s Case. Journal of Personal Finance, 10 (2):122-147. Anbar, A., M. Eker. 2009. Bireysel Yatırımcıların Finansal Risk Algılamalarını Etkileyen Demografik ve Sosyoekonomik Faktörler. ZKÜ Sosyal Bilimler Dergisi, 5 (9):129-150. Ansong, A. and M.A. Gyensare. 2012. Determinants of University Working- Students’ Financial Literacy at The University of Cape Coast, Ghana. International Journal of Business and Management, 7 (9): 126-133. Bajtelsmit, V.L., A. Bernasek. 1996. Why Do Women Invest Differently Than Men? Financial Counseling and Planning, 7:1-10. Barber, B.M., T. Odean. 2001. Boys will be boys: Gender, Overconfidence and Common Stock Investment. Quarterly Journal of Economics, 116: 261- 292. Bond, M.J., N.T. Feather. 1988. Some Correlates of Structure and Purpose in The Use Of Time. Journal of Personality and Social Psychology, 55: 321- 329. Botzen, W.J.W., Aerts, J.C.J.H., & Van Den Bergh, J.C.J.M. 2009. Willingness of Homeowners to Mitigate Climate Risk Through Insurance. Ecological Economics, 68: 2265-2277. Carducci, B.J., A.S. Wong. 1998. Type A and Risk Taking in Everyday Money Matters. Journal of Business and Social Psychology, Vol. 12 (3): 355-359. Charness, G., U. Gneezy. 2012. Strong Evidence for Gender Differences in Risk Taking. Journal of Economic Behavior & Organization, 83: 50-58. Duasa, J., S.A. Yusof. 2013. Determinants of Risk Tolerance on Financial Asset Ownership: A Case of Malaysia. International Journal of Business and Society, 14 (1): 1-16.

An Empirical Study on Psychological Motives for Individuals’ Risk Mitigating Strategies

Year 2016, , 75 - 92, 01.04.2016
https://doi.org/10.33203/mfy.312134

Abstract

Due to their increasing responsibility in risk mitigating

strategies, understanding motives for insurance preferences is

more important than before. This study aims to explore anxiety,

locus of control (LoC), type A, sensation seeking and financial risk

tolerance (FRT)’s role on insurance preferences. Results indicate

that (a) anxiety and LoC as significant on type a personality, (b)

type a and sensation seeking as notable on FRT and (c) FRT as

important on insurance preferences.

References

  • Adhikari, B.K., V. O’leary. 2011. Gender Differences in Risk Aversion: A Developing Nation’s Case. Journal of Personal Finance, 10 (2):122-147. Anbar, A., M. Eker. 2009. Bireysel Yatırımcıların Finansal Risk Algılamalarını Etkileyen Demografik ve Sosyoekonomik Faktörler. ZKÜ Sosyal Bilimler Dergisi, 5 (9):129-150. Ansong, A. and M.A. Gyensare. 2012. Determinants of University Working- Students’ Financial Literacy at The University of Cape Coast, Ghana. International Journal of Business and Management, 7 (9): 126-133. Bajtelsmit, V.L., A. Bernasek. 1996. Why Do Women Invest Differently Than Men? Financial Counseling and Planning, 7:1-10. Barber, B.M., T. Odean. 2001. Boys will be boys: Gender, Overconfidence and Common Stock Investment. Quarterly Journal of Economics, 116: 261- 292. Bond, M.J., N.T. Feather. 1988. Some Correlates of Structure and Purpose in The Use Of Time. Journal of Personality and Social Psychology, 55: 321- 329. Botzen, W.J.W., Aerts, J.C.J.H., & Van Den Bergh, J.C.J.M. 2009. Willingness of Homeowners to Mitigate Climate Risk Through Insurance. Ecological Economics, 68: 2265-2277. Carducci, B.J., A.S. Wong. 1998. Type A and Risk Taking in Everyday Money Matters. Journal of Business and Social Psychology, Vol. 12 (3): 355-359. Charness, G., U. Gneezy. 2012. Strong Evidence for Gender Differences in Risk Taking. Journal of Economic Behavior & Organization, 83: 50-58. Duasa, J., S.A. Yusof. 2013. Determinants of Risk Tolerance on Financial Asset Ownership: A Case of Malaysia. International Journal of Business and Society, 14 (1): 1-16.
There are 1 citations in total.

Details

Journal Section Articles
Authors

Sibel Dinç Aydemir This is me

Selim Aren

Publication Date April 1, 2016
Submission Date May 12, 2017
Published in Issue Year 2016

Cite

APA Dinç Aydemir, S., & Aren, S. (2016). Bireylerin Risk Azaltma Stratejilerini Etkileyen Faktörler Üzerine Ampirik Bir Araştırma. Maliye Ve Finans Yazıları(105), 75-92. https://doi.org/10.33203/mfy.312134

Dergi özellikle maliye, finans ve bankacılık alanlarında faaliyet göstermektedir.