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Finansal Okuryazarlık, Materyalizm ve Kompulsif Satın Alma Davranışının Borçlanmaya İlişkin Tutum Üzerindeki Etkisinin Belirlenmesi

Year 2023, Volume: 10 Issue: 1-Prof. Dr. Feyzullah EROĞLU Armağan Sayısı, 294 - 311, 30.05.2023
https://doi.org/10.47097/piar.1274128

Abstract

Mikro düzeyde borçlanma ile ilgili olarak yapılan çalışmalar çoğunlukla hanehalkı bağlamında ele alınmaktadır. Bununla birlikte günümüzde değişen aile yapıları da dikkate alındığında bireysel olarak borçlanma tutumunun incelenmesi de oldukça önemlidir. Bu çalışma üniversite öğrencilerinin borçlanmaya ilişkin tutumlarını finansal okuryazarlık düzeyleri, materyalist eğilimleri ve kompulsif satın alma davranışları açısından incelemektedir. Çalışmada nicel bir araştırma yöntemi benimsenmiş olup Muğla Sıtkı Koçman Üniversitesi merkez yerleşkesinde eğitimine devam etmekte olan 1034 öğrenciden anket yoluyla veriler toplanmıştır. Öğrencilerin demografik özelliklerinin de dikkate alındığı modelleme kısmında sıralı logit model ve genelleştirilmiş sıralı logit model kullanılmıştır. Elde edilen bulgulara göre finansal okuryazarlık düzeyinin borçlanmaya ilişkin tutumu etkilemediği görülürken kompulsif satın alma davranışı ve materyalist eğilimin istatistiksel olarak borçlanma üzerinde anlamlı bir etkisi bulunmuştur. Öğrencilerin borçlanma tutumları eğitimlerine devam ettikleri fakülteye (İİBF ve diğer fakülteler) göre değişmezken cinsiyet ve yaşın borçlanma tutumu üzerinde kısmen etkili olduğu görülmüştür.

Supporting Institution

TÜBİTAK

Project Number

2209 -A Lisans öğrenci projesi

Thanks

Bu çalışmayı 2209-A Lisans Öğrenci Projeleri kapsamında destekleyen TÜBİTAK'a teşekkürlerimizi sunarız.

References

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  • Akkuş Ö. & Özkoç H. (2018). Stata Uygulamaları ile Nitel Veri Analizi. Seçkin Yayınları, Ankara.
  • Alexander, E. C. & Mader, D. (2017). College Student Financial Literacy and Credit Card Usage: Have Either Knowledge or Behaviors Improved? Huntington: Marshall University.
  • Alpar, B.I. (2022). Türkiye’de Hanehalkı Borçluluğuna İlişkin Güncel Bir Değerlendirme ve Hanehalkı Borçluluğunun Muhtemel Sonuçları. Erciyes Akademi, 3683), 1314-1346.
  • Arofah, A. A., Purwaningsih, Y. & Indriayu, M. (2018). Financial literacy, materialism and financial behavior. International Journal of Multicultural and Multireligious Understanding, 5(4), 370-378.
  • Artavanis, N. & Karra, S. (2020). Financial literacy and student debt. The European Journal of Finance, 26(4-5), 382-401.
  • Aslay, F., Ünal, S. & Akbulut, Ö. (2013). Materyalizmin statü tüketimi üzerindeki etkisini belirlemeye yönelik bir araştırma. Atatürk Üniversitesi İktisadi ve İdari Bilimler Dergisi, 27(2), 43-62.
  • Aw, E. C.-X., Cheah, J.-H., Ng, S. I. & Sambasivan, M. (2018). Breaking compulsive buying-financial 
trouble chain of young Malaysian consumers. Young Consumers, 19(3), 328-344.
  • Awanis, S., Schlegelmilch, B. B. & Cui, C. C. (2017). Asia’s materialists: Reconciling collectivism and materialism. Journal of International Business Studies, 48(8), 964–991.
  • Bayrakdaroğlu A., Tepeli Y. & Mirgen Ç. (2018). Kuşak Kavramına Disiplinler Arası Bakış-2/Kuşaklar ve Yatırım Araçları. Yayın Evi: Nobel Yayıncılık Editör Adı: Hatice Hicret Özkoç ve Funda Bayrakdaroğlu
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  • Brown, M., Grigsby, J., van der Klaauw, W., Wen, J. & Zafar, B. (2016). Financial education and the debt behavior of the young. The Review of Financial Studies, 29(9), 2490-2522. 

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  • Islam, T., Wei, J., Sheikh, Z., Hameed, Z. & Azam, R. I. (2017). Determinants of compulsive buying behavior among young adults: The mediating role of materialism. Journal of Adolescence, 61, 117-130.

  • Joireman, J., Kees, J. & Sprott, D. (2010). Concern with immediate consequences magnifies the impact of compulsive buying tendencies on college students' credit card debt. Journal of Consumer Affairs, 44(1), 155-178.
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Publishers.
  • Khare, A. (2014). Money attitudes, materialism, and compulsiveness: Scale development and 
validation. Journal of Global Marketing, 27(1), 30-45. 

  • Khare, A. (2015). Influence of materialism and money attitudes on credit card use. International 
Journal of Business Competition and Growth, 4(1-2), 57-78.
  • Kılıç, Y., Ata, H. A. & Seyrek, İ. H. (2015). Finansal okuryazarlık: Üniversite öğrencilerine yönelik bir araştırma. Muhasebe ve Finansman Dergisi, (66), 129-150.
  • Kiren Gürler, Ö. (2021). Sıralı Regresyon Modelleri ve Stata Uygulamaları, Uygulamalarla Mikroekonometri, (Edt. Üçdoğruk Birecikli, Ş. ve Şengül, Seda). Nobel Yayıncılık
  • Koh, Y., Tang, C., Gan, Y. & Kwon, J. (2020). Depressive symptoms and self-efficacy as mediators between life stress and compulsive buying: A cross-cultural comparison. J. Addict. Recovery, 3, 1017.
  • Kuknor, S. & Sharma, A. (2017). The Relationship of Debt Management, Compulsive Buying Behavior and Financial Well-Being. Indian Journal of Public Health Research & Development, 8(4). 

  • Kuru, Ö. & Yakut, E. (2021). Finansal Okuryazarlık Düzeyinin K-Ortalamalar Yöntemiyle Belirlenmesi: Osmaniye İli Uygulaması . Gaziantep Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi, 3 (1), 1-14 .
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  • Leite, P., Rangé, B., Ribas, R. J., Filomensky, T. & Oliveira e Silva, A. (2011). “Tradução e adaptação semântica da compulsive buying scale Para o português brasileiro”. Jornal Brasileiro De Psiquiatria, Vol. 60 No. 3, 176-181.
  • Limbu, Y. B. (2017). Credit card knowledge, social motivation, and credit card misuse among college students: Examining the information-motivation-behavioral skills model. International Journal of Bank Marketing, 35(5), 842-856. 

  • Lo, H. Y. & Harvey, N. (2011). Shopping without pain: Compulsive buying and the effects of credit card availability in Europe and the Far East. Journal of Economic Psychology, 32(1), 79-92.
  • Lusardi, A. & Mitchell, O. (2008). Planning and financial literacy ; How do women fare? NBER Working Paper No. 13750.
  • Lusardi, A. & Mitchell, O. S. (2014). The Economic Importance of Financial Literacy: Theory and Evidence. Journal of Economic Literature, 52(1): 5–44.
  • Maraz, A., Griffiths, M. D. & Demetrovics, Z. (2016). The prevalence of compulsive buying: A meta‐analysis. Addiction, 111(3), 408-419.
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  • Nas, Y. & Özkoç, H . (2017). Borçlanmayı Etkileyen Faktörlerin Belirlenmesi: Fethiye Örneği . Uluslararası Yönetim İktisat ve İşletme Dergisi , 13 (2) , 311-330 . DOI: 10.17130/ijmeb.2017228686
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Determining the Effect of Financial Literacy, Materialism and Compulsive Buying Behavior on Borrowing

Year 2023, Volume: 10 Issue: 1-Prof. Dr. Feyzullah EROĞLU Armağan Sayısı, 294 - 311, 30.05.2023
https://doi.org/10.47097/piar.1274128

Abstract

Although studies on borrowing at micro level are mostly handled in the context of households, individual borrowing seems to be very important considering the changing family structure today. This study examines the borrowing behaviors of university students in terms of financial literacy levels, materialistic tendencies, and compulsive buying behaviors. A quantitative research method is used in the study, and it is based on data collected through questionnaires from 1034 students studying at the central campus of Muğla Sıtkı Koçman University. Ordered logit models is used in this study and demographic characteristics (age, gender) of the students are also taken into account. According to the findings, it has been found that there is no relationship between the level of financial literacy and borrowing, while compulsive buying behavior and materialistic tendency had a statistically significant effect on borrowing. While students' borrowing attitudes do not change according to the faculty they studied, it is seen that gender and age are partially effective.

Project Number

2209 -A Lisans öğrenci projesi

References

  • Achtziger, A., Hubert, M., Kenning, P., Raab, G. & Reisch, L. (2015). Debt out of control: The links between self-control, compulsive buying, and real debts. Journal of Economic Psychology, 49, 141-149.
  • Akkuş Ö. & Özkoç H. (2018). Stata Uygulamaları ile Nitel Veri Analizi. Seçkin Yayınları, Ankara.
  • Alexander, E. C. & Mader, D. (2017). College Student Financial Literacy and Credit Card Usage: Have Either Knowledge or Behaviors Improved? Huntington: Marshall University.
  • Alpar, B.I. (2022). Türkiye’de Hanehalkı Borçluluğuna İlişkin Güncel Bir Değerlendirme ve Hanehalkı Borçluluğunun Muhtemel Sonuçları. Erciyes Akademi, 3683), 1314-1346.
  • Arofah, A. A., Purwaningsih, Y. & Indriayu, M. (2018). Financial literacy, materialism and financial behavior. International Journal of Multicultural and Multireligious Understanding, 5(4), 370-378.
  • Artavanis, N. & Karra, S. (2020). Financial literacy and student debt. The European Journal of Finance, 26(4-5), 382-401.
  • Aslay, F., Ünal, S. & Akbulut, Ö. (2013). Materyalizmin statü tüketimi üzerindeki etkisini belirlemeye yönelik bir araştırma. Atatürk Üniversitesi İktisadi ve İdari Bilimler Dergisi, 27(2), 43-62.
  • Aw, E. C.-X., Cheah, J.-H., Ng, S. I. & Sambasivan, M. (2018). Breaking compulsive buying-financial 
trouble chain of young Malaysian consumers. Young Consumers, 19(3), 328-344.
  • Awanis, S., Schlegelmilch, B. B. & Cui, C. C. (2017). Asia’s materialists: Reconciling collectivism and materialism. Journal of International Business Studies, 48(8), 964–991.
  • Bayrakdaroğlu A., Tepeli Y. & Mirgen Ç. (2018). Kuşak Kavramına Disiplinler Arası Bakış-2/Kuşaklar ve Yatırım Araçları. Yayın Evi: Nobel Yayıncılık Editör Adı: Hatice Hicret Özkoç ve Funda Bayrakdaroğlu
  • Białowolski, P., Cwynar, A., Cwynar, W. & Węziak‐Białowolska, D. (2020). Consumer debt attitudes: The role of gender, debt knowledge and skills. International Journal of Consumer Studies, 44(3), 191-205.
  • Brown, M., Grigsby, J., van der Klaauw, W., Wen, J. & Zafar, B. (2016). Financial education and the debt behavior of the young. The Review of Financial Studies, 29(9), 2490-2522. 

  • Chen, H., & Volpe, R. (1998). An analysis of personal financial literacy among college students. Financial Services Review, 107-128.
  • Christenson, G. A., Faber, R. J., De Zwaan, M., Raymond, N. C., Specker, S. M., Ekern, M. D., ... & Eckert, E. D. (1994). Compulsive buying: Descriptive characteristics and psychiatric comorbidity. The Journal of Clinical Psychiatry, 55(1), 5- 11.
  • Davidson, I. B. (2006). Financial literacy important for future. Montana Business Quarterly, 44(3), 22.
  • DeSarbo, W. S. & Edwards, E. A. (1996). Typologies of compulsive buying behavior: A constrained clusterwise regression approach. Journal of Consumer Psychology, 5(3), 231-262.
  • Edwards, D. & Potter, J. (1992). Discursive psychology (Vol. 8). Sage Publications, Inc.

  • Er, F. , Temizel, F. , Özdemir, A. & Sönmez, H. (2014). Lisans Eğitim Programlarının Finansal Okuryazarlık Düzeyine Etkisinin Araştırılması: Türkiye Örneği. Anadolu Üniversitesi Sosyal Bilimler Dergisi , 14 (4) , 113-125 . DOI: 10.18037/ausbd.00957
  • Erdem, C. (2008). Factors affecting the probability of credit card default and the intention of card use in Turkey. Journal of Applied Social Psychology, 1685 - 1711.

  • Faber, R. J. & O'guinn, T. C. (1992). A clinical screener for compulsive buying. Journal of Consumer Research, 19(3), 459- 469.
  • Gardarsdottir, R. B. & Dittmar, H. (2012). The Relationship of Materialism to Debt and Financial Well- Being: The Case of Iceland’s Perceived Prosperity. Journal of Economic Psychology, 33: 471-481.
  • Gathergood, J. (2012). Self-control, financial literacy and consumer over-indebtedness. Journal of economic psychology, 33(3), 590-602.
  • Güler, E. & Tunahan, H. (2017). Finansal Okuryazarlık: Hane Halkı Üzerine Bir Araştırma. İşletme Bilimi Dergisi, 5(3), 79-104.
  • Gündüzalp, A.A. (2018). Hanehalkı Borçlanma Eğiliminin Demografik, Sosyoekonomik ve Psikososyal Faktörler Açısından İncelenmesi, Yayınlanmamış Yüksek Lisans Tezi, Hacettepe Üniversitesi Sosyal Bilimler Enstitüsü Aile ve Tüketici Bilimleri Anabilim Dalı, Ankara.
  • Habshick. (2007). Survey of Financial Literacy Schemes in the EU27. Hamburg. Financial Services EVERS JUNG Research and Consulting.
  • Islam, T., Wei, J., Sheikh, Z., Hameed, Z. & Azam, R. I. (2017). Determinants of compulsive buying behavior among young adults: The mediating role of materialism. Journal of Adolescence, 61, 117-130.

  • Joireman, J., Kees, J. & Sprott, D. (2010). Concern with immediate consequences magnifies the impact of compulsive buying tendencies on college students' credit card debt. Journal of Consumer Affairs, 44(1), 155-178.
  • Kasser, T. (2018). Materialism and living well. Handbook of well-being. Salt Lake City, UT: DEF 
Publishers.
  • Khare, A. (2014). Money attitudes, materialism, and compulsiveness: Scale development and 
validation. Journal of Global Marketing, 27(1), 30-45. 

  • Khare, A. (2015). Influence of materialism and money attitudes on credit card use. International 
Journal of Business Competition and Growth, 4(1-2), 57-78.
  • Kılıç, Y., Ata, H. A. & Seyrek, İ. H. (2015). Finansal okuryazarlık: Üniversite öğrencilerine yönelik bir araştırma. Muhasebe ve Finansman Dergisi, (66), 129-150.
  • Kiren Gürler, Ö. (2021). Sıralı Regresyon Modelleri ve Stata Uygulamaları, Uygulamalarla Mikroekonometri, (Edt. Üçdoğruk Birecikli, Ş. ve Şengül, Seda). Nobel Yayıncılık
  • Koh, Y., Tang, C., Gan, Y. & Kwon, J. (2020). Depressive symptoms and self-efficacy as mediators between life stress and compulsive buying: A cross-cultural comparison. J. Addict. Recovery, 3, 1017.
  • Kuknor, S. & Sharma, A. (2017). The Relationship of Debt Management, Compulsive Buying Behavior and Financial Well-Being. Indian Journal of Public Health Research & Development, 8(4). 

  • Kuru, Ö. & Yakut, E. (2021). Finansal Okuryazarlık Düzeyinin K-Ortalamalar Yöntemiyle Belirlenmesi: Osmaniye İli Uygulaması . Gaziantep Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi, 3 (1), 1-14 .
  • Lea, S.E.G., Webley, P. & Walker, C. (1995). Psychological Factors in Consumer Debt: Money Management, Economic Socialization, and Credit Use. Journal of Economic Psychology, 16 (4), 681-701.
  • Leite, P., Rangé, B., Ribas, R. J., Filomensky, T. & Oliveira e Silva, A. (2011). “Tradução e adaptação semântica da compulsive buying scale Para o português brasileiro”. Jornal Brasileiro De Psiquiatria, Vol. 60 No. 3, 176-181.
  • Limbu, Y. B. (2017). Credit card knowledge, social motivation, and credit card misuse among college students: Examining the information-motivation-behavioral skills model. International Journal of Bank Marketing, 35(5), 842-856. 

  • Lo, H. Y. & Harvey, N. (2011). Shopping without pain: Compulsive buying and the effects of credit card availability in Europe and the Far East. Journal of Economic Psychology, 32(1), 79-92.
  • Lusardi, A. & Mitchell, O. (2008). Planning and financial literacy ; How do women fare? NBER Working Paper No. 13750.
  • Lusardi, A. & Mitchell, O. S. (2014). The Economic Importance of Financial Literacy: Theory and Evidence. Journal of Economic Literature, 52(1): 5–44.
  • Maraz, A., Griffiths, M. D. & Demetrovics, Z. (2016). The prevalence of compulsive buying: A meta‐analysis. Addiction, 111(3), 408-419.
  • Mathai, S. T. & Shanthaamani, V. (2016). Materialism: Its Impact on Impulse Buying Behaviour among the Retail Customers of Cochin. International Journal of Management Research and Reviews, 6(5), 647-658.
  • Mowen, J. & Minor, M. (2002). Consumer behavior. Upper Saddle River : Prentice Hall. Inc.

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There are 67 citations in total.

Details

Primary Language Turkish
Journal Section Research Articles
Authors

Helda Yaman 0009-0009-3158-0945

Hatice Özkoç 0000-0003-0037-4603

Project Number 2209 -A Lisans öğrenci projesi
Publication Date May 30, 2023
Published in Issue Year 2023 Volume: 10 Issue: 1-Prof. Dr. Feyzullah EROĞLU Armağan Sayısı

Cite

APA Yaman, H., & Özkoç, H. (2023). Finansal Okuryazarlık, Materyalizm ve Kompulsif Satın Alma Davranışının Borçlanmaya İlişkin Tutum Üzerindeki Etkisinin Belirlenmesi. Pamukkale Üniversitesi İşletme Araştırmaları Dergisi, 10(1-Prof. Dr. Feyzullah EROĞLU Armağan Sayısı), 294-311. https://doi.org/10.47097/piar.1274128

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