Sosyal Güvenlik Üyeliği ve Tasarruf: Türkiye Uygulaması

Abstract

Bu çalışma Türkiye’de tasarruf oranlarında kambur bir profil olup olmadığını inceleyerek tasarrufun mikro temellerini araştırmaktadır. Hanehalkı Bütçe Anketleri kullanılarak bir yapay panel veri seti oluşturulmuştur. Daha sonra yaş-kohort-zaman ayrıştırması ile Türkiye’de tasarruf oranının yaşa bağlı davranışı incelenmiştir. Analiz, sosyal güvenlik sistemi üyeliğine göre oluşturulan alt örneklemler için tekrarlanmıştır. Kesikli inceleme de yapılarak analiz derinleştirilmiştir. Kambur bir profilin varlığı teyid edilmiştir fakat kambur profilin varlığı ile sosyal güvenlik üyeliği arasında düzenli bir bağıntı gözlemlenmemiştir.

Keywords

• Tasarruf Davranışı,Tasarrufun Yaşam Döngüsü Modelleri,Panel Veri Modelleri

Social Security Membership and Saving: The Turkish Case

Abstract

This study analyses the micro-foundations of the saving behaviour in Turkey, looking for a humpback profile in saving rates. Household Expenditure Surveys are used to construct a pseudo-panel of the saving rate. Then, an age-cohort-period decomposition is undertaken to isolate the age-dependent behaviour of the saving rate in Turkey. The analysis is repeated for sub-samples based on social security status. Further investigation is carried out with truncated regression. Existence of a humpback profile is confirmed, but no systematic link between social security membership and the humpback profile is identified.

Keywords

• Saving Behaviour,Life Cycle Models of Saving,Panel Data Models

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