Türkiye’de Finansal Kaynak Yönetiminin Finansal Kaygılar Üzerine Etkileri

Abstract

Bu çalışmanın amacı, yaşlılık, ödemeler, sağlık ve eğitimden kaynaklanan dört yaygın finansal kaygı biçimine ek olarak bunların tümünü içeren toplam finansal kaygı ve COVID-19 kaynaklı finansal kaygıların muhtemel nedenlerinin Türkiye örneklemi için araştırılmasıdır. Aile Kaynak Yönetim Modeli çerçevesinde ele alınan ve açıklanan finansal davranış, finansal dayanıklılık, sosyal yardımlar ve sosyoekonomik faktörlerin ampirik dayanakları ise 2021 Global Findex veri setinden, sıralı logit model kullanılarak elde edilmiştir. Elde edilen bulgular, Türkiye’de finansal kaygıların azaltılmasının yalnızca gelir artışıyla değil finansal kaynak yönetimini de gerektiren finansal davranışlar ve dayanıklılıkla da ilişkili olduğunu göstermektedir.

Keywords

• Finansal Kaygı
• Finansal Davranış
• Aile Kaynak Yönetim Modeli
• Sıralı Logit Model

The Impacts of Financial Resource Management on Financial Worries

Abstract

This study aims to investigate the possible causes of total financial worry and COVID-19 induced financial worries, which include all of these in addition to the four common forms of financial worries arising from old age, payments, health, and education, for the Turkish sample. The empirical bases of financial behavior, financial resilience, social assistance, and socioeconomic factors, which are discussed and explained within the Family Resource Management Model framework, are obtained from the 2021 Global Findex dataset using an ordered logit model. The findings indicate that reducing financial worries in Turkey is associated not only with income growth but also with financial behavior and resilience, which require financial resource management.

Keywords

• Financial Worry
• Financial Behavior
• Family Resource Management Model
• Ordered Logit Model

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