Araştırma Makalesi
BibTex RIS Kaynak Göster
Yıl 2018, Cilt: 2 Sayı: 2, 146 - 172, 31.12.2018
https://doi.org/10.30586/pek.485394

Öz

Kaynakça

  • Ainslie, G. (1975). Specious Reward: A Behavioral Theory of Impulsiveness and Impulse Control. Psychological Bulletin, 82(4), 463-496.
  • Ainslie, G.(1992). Picoeconomics: The Strategic Interaction of Successive Motivational States Within the Person. New York: Cambridge University Press.
  • Ando, A. and Modigliani, F. (2005).The 'Life-Cycle' Hypothesis of Saving: Aggregate Implications and Tests. içinde F. Franco (eds.), The Collected Papers of Franco Modigliani (Volume 6). USA: The MIT Press, pp. 47-78.(Eserin orijinali 1963'te yayınlandı).Ashraf, N., Karlan, D. ve Yin, W. (2003). A Review of Commitment Savings Products in Development Countries. Asian Development Bank, Manila, Phillippines.
  • Ashraf, N., Karlan, D. ve Yin, W. (2006). Tying Odysseus to the mast: Evidence from a commitment savings product in the Philippines. The Quarterly Journal of Economics, 121(2), 635-672.
  • Benartzi, S. ve Thaler, R. (2007). Heuristics and Biases in Retirement Savings Behavior. Journal of Economic perspectives, 21(3), 81-104.
  • Benartzi, S.ve Thaler, R. H. (2013). Behavioral Economics and the Retirement Savings Crisis. Science, 339(6124), 1152-1153.
  • Benzion, U., Rapport, A. ve Yagil,J.(1989). Discount Rates Inferred From Decisions: An Experimental Study. Management Science, 35(3), 270–284.
  • Beshears J., Choi J., Laibson D, ve Madrian, B(2008). The Importance of Default Options for Retirement Saving Outcomes: Evidence from the United States. İçinde : S.J. Kay ve T. Sinha (eds.) Lessons from Pension Reform in the Americas. US: Oxford University Press, 59-87.
  • Böhm-Bawerk, E. von (1891). The Positive Theory of Capital (Çev.W.Smart) New York: G.E. Stechert.(Eserin orijinali 1888'de yayınlandı).
  • Brune, L., Giné, X., Goldberg, J. ve Yang, D. (2011). Commitments to save: A field experiment in rural Malawi. Policy Research Working Papers, The World Bank.
  • Camerer, C.F. ve Loewenstein, G. (2004). Behavioral Economics: Past, Present, Future. Advances in Behavioral Economics. İçinde C.F. Camerer, G. Loewenstein, M. Rabin (eds.). New Jersey:Princeton University Press,3-51.
  • Carroll, G. D., Choi,J. J. , Laibson, D. , Madrian, B.C. ve Andrew, M. (2009).Optimal Defaults and Active Decisions. The Quarterly Journal of Economics,124 (4), 1639-1674.
  • Chabris, C.F., Laibson, D. I. ve Schuldt, J.P. (2007). Intertemporal Choice. İçinde Durlauf, S., ve Blume, L. (eds.). The New Palgrave Dictionary of Economics. İkinci Baskı, London: Palgrave Macmillan.
  • Choi, J. J., Laibson, D., Madrian, B. C. ve Metrick, A. (2002). Defined contribution pensions: plan rules, participant choices, and the path of least resistance. Tax policy and the economy, 16, 67-113.
  • DellaVigna, S. (2009). Psychology and Economics: Evidence from the Field. Journal of Economic literature, 47(2), 315-72.
  • Dhami, S. (2016). The Foundations of Behavioral Economic Analysis. New York: Oxford University Press.
  • Dupas, P. ve Robinson, J. (2013). Savings constraints and microenterprise development: Evidence from a field experiment in Kenya. American Economic Journal: Applied Economics, 5(1), 163-92.
  • Fisher, I. (1930). The Theory of Interest. New York: Macmillan Company.
  • Frederick, S., Loewenstein, G. ve O'Donoghue, T.(2002). Time Discounting and Time Preference: A Critical Review. Journal of Economic Literature, 40 (2), 351-401.
  • Herrnstein, R.(1981). Self-control as response strength. içinde C. Bradshaw, E. Szabadi ve C. Lowe (eds.) Quantification of steady-state operant behavior.New York: Elsevier-North Holland,3-20.
  • Kahneman, D., ve Tversky,A.(1979). Prospect Theory: An Analysis of Decision under Risk. Econometrica, 47(2), 263–291.
  • Kao, Y.F. ve Velupillai, K. V. (2015). Behavioral Economics: Classical and modern. The European Journal of the History of Economic Thought, 22(2), 236-271.
  • Katona, G. (1960). The Powerful Consumer. New York: McGraw-Hill.
  • Laibson, D. (1996). Hyperbolic Discounting, Undersaving, and Savings Policy. WorkingPaper 5635. Cambridge, Mass: National Bureau of Economic Research.
  • Laibson, D. (1997). Golden Eggs and Hyperbolic Discounting. The Quarterly Journal of Economics, 112(2), 443-478.
  • Laibson, D. (1998). Life-cycle Consumption and Hyperbolic Discount Functions. European economic review, 42(3-5), 861-871.
  • Laibson, D., Repetto,A. Tobacman, Hall, R., Gale, W. ve Akerlof, G. (1998). Self-control and Saving for Retirement. Brookings Papers on Economic Activity, 1, 91-196.
  • Laibson D, Repetto A.ve Tobacman J. (2003). A Debt Puzzle. İçinde P. Aghion, R. Frydman, J. Stiglitz, M. Woodford (eds.) Knowledge, Information, and Expectations in Modern Macroeconomics: In Honor of Edmund S. Phelps. Princeton: Princeton University Press, 228-266.
  • Laibson, D., Repetto, A., ve Tobacman, J. (2007). Estimating Discount Functions with Consumption Choices over the Lifecycle , NBER Working Paper No. 13314). National Bureau of Economic Research.
  • Loewenstein, G.(1988). Frames of Mind in Intertemporal Choice. Management Science, 34, 200–14.
  • Loewenstein, G. (1992). The fall and rise of psychological explanations in the economics of intertemporal choice. İçinde G. Loewenstein ve J. Elster (eds.), Choice over time. New York: Russell Sage Foundation,3-34.
  • Loewenstein, G. ve Prelec, D. (1992). Anomalies in Intertemporal Choice: Evidence and an Interpretation. The Quarterly Journal of Economics, 107(2),573–597.
  • Loewenstein, G. (1996). Out of Control: Visceral Influences on Behavior. Organizational Behavior and Human Decision Processes 65, 272–92.
  • Madrian, B. C., ve Shea, D. F. (2001). The power of suggestion: Inertia in 401 (k) participation and savings behavior. The Quarterly journal of economics, 116(4), 1149-1187.McClure, S. M., Laibson, D. I., Loewenstein, G. ve Cohen, J. D. (2004). Separate Neural Systems Value Immediate and Delayed Monetary Rewards. Science, 306(5695), 503-507.
  • Madrian, B. C. (2012). Matching contributions and savings outcomes: A behavioral economics perspective. NBER Working Papers 18220, National Bureau of Economic Research.
  • Modigliani, F. and Brumberg, R. (1979). "Utility Anaysis and Aggregate Consumption Function: An Attempt to Integration". içinde A. Abel (eds.), The Collected Papers of Franco Modigliani(Volume 2). Cambridge: The MIT Press, pp. 128-197.
  • Modigliani, F. and Brumberg, R. (2005). Utility Analysis and and the Consumption Function: An Interpretation of Cross-Section Data. içinde F. Franco (eds.), The Collected Papers of Franco Modigliani (Volume 6). USA: The MIT Press, pp. 1-45.(Eserin orijinali 1954'te yayınlandı).
  • Nyhus, E. K., ve Webley, P. (2006). Discounting, Self-control, and Saving. İçinde M. Altman (eds.)Handbook of contemporary behavioral economics: Foundations and developments, New York: M.E. Sharpe, 297-325.
  • O'Donoghue, T., ve Rabin, M. (2001). Choice and Procrastination. The Quarterly Journal of Economics, 116(1), 121-160.
  • Rabin, M. (2002). A Perspective on Psychology and Economics. European Economic Review. 46(4–5),657–85.
  • Rae, J. (1905). The Sociological Theory of Capital. New York: Macmillan Company. (Eserin orijinali 1834'de yayınlandı).
  • Read, D. (2004). Intertemporal Choice. İçinde D. J. Koehler ve N. Harvey (eds.), Blackwell Handbook of Judgment and Decision Making. Malden: Blackwell Publishing, 424-443.
  • Schelling, T. C. (1984). Self-command in Practice, in Policy, and in a Theory of Rational Choice. The American Economic Review, 74(2), 1-11.
  • Sent, E. M. (2004). Behavioral Economics: How Psychology Made Its (Limited) Way Back Into Economics. History of Political Economy , 36 (4), 735–760.Shefrin, H. M. ve Thaler, R. H. (1988). The Behavioral Life‐cycle Hypothesis. Economic inquiry, 26(4), 609-643.
  • Shefrin, H. M. ve Thaler, R. H. (2004). Mental Aaccounting, Saving, and Self-control. içinde C.F. Camerer, G. Loewenstein ve M. Rabin (eds.) Advances in behavioral economics. New York: Russel Sage Foundation, 395-428.
  • Shelley, M. K. (1993). Outcome Signs, Question Frames and Discount Rates. Management Science ,39, 806–15.
  • Streich, P. ve Levy, J. S. (2007). Time Horizons, Discounting, and Intertemporal Choice. Journal of Conflict Resolution, 51(2),199–226.
  • Strotz, R. H. (1956). Myopia and Inconsistency in Dynamic Utility Maximization. The Review of Economic Studies, 23(3), 165-180.
  • Sunstein, C. R. (2014). Nudging: a very short guide. Journal of Consumer Policy, 37(4), 583-588.
  • Thaler, R. (1981). Some Empirical Evidence on Dynamic Inconsistency.Economics Letters, 8(3), 201-207.
  • Thaler, R. H. ve Shefrin, H. M. (1981). An Economic Theory of Self-control. Journal of political Economy, 89(2), 392-406.
  • Thaler, R. H., ve Benartzi, S. (2004). Save more tomorrow™: Using behavioral economics to increase employee saving. Journal of political Economy, 112(S1), 164-187.Thaler, R. H. . Sunstein C.R (2008). Nudge: improving decisions about health, wealth, and happiness. USA: Yale University Press.
  • Thaler, R. H. 2016. Behavioral Economics: Past, Present, and Future. American Economic Review,106(7),1577-1600.
  • Tomer, J. F. (2007).What is Behavioral Economics?. Journal of Socio-Economics, 36(3), 463-479.
  • Warneryd, K. E. (1999). The Psychology of Saving. UK: Edward Elgar Publishing.
  • Weber, R. ve Dawes, R. (2005). Behavioral Economics. İçinde N.J. Smelser ve R. Swedberg (eds.). The Handbook of Economic Sociology, ikinci baskı, New Jersey:Princeton University Press ,90-108.

Davranışsal İktisat ve Zamanlararası Tercih: Tasarruf Davranışı Üzerine Bir İnceleme

Yıl 2018, Cilt: 2 Sayı: 2, 146 - 172, 31.12.2018
https://doi.org/10.30586/pek.485394

Öz

Olası sonuçları zamanın farklı dönemlerinde
görülen kararlar zamanlararası tercihe tabidir. Zamanlararası tercihte ise bugünkü
fayda/maliyet ile gelecekteki fayda/maliyet arasında tercih söz konusudur. Buna
göre tasarrufu,  şimdiki tüketim
hazzından vazgeçme ile gelecekte elde edilecek fayda arasında yapılan bir
zamanlararası tercih olarak tanımlamak mümkündür. Öyleyse  kişilerin tasarruf kararlarında zamanı nasıl
indirgedikleri, başka bir deyişle zaman tercihleri etkili olmaktadır. Tasarrufun
çoğunlukla yaşam döngüsü hipotezi ve dolayısıyla üssel indirgenmiş fayda modeli
doğrultusunda çalışıldığı görülmekle birlikte, son yıllarda davranışsal
iktisadın ortaya koyduğu bulgularla, modelin çıkarımlarının geçerliliği ve
yeterliliği sorgulanır hale gelmektedir. Söz konusu bulgulardan özellikle
hiperbolik indirgeme ve otokontrolün tasarruf davranışını açıklamada önemli bir
rol oynadığı anlaşılmaktadır. Böylece davranışsal iktisat zamanlararası tercih
analizi üzerinden tasarrufu yeniden betimlerken, önerdiği politikalar da
farklılaşmaktadır. Bu bağlamda çalışmanın amacı, davranışsal iktisadın
zamanlararası tercih analizi üzerinden tasarruf davranışını nasıl ele aldığını
ortaya koyarak, ilgili model ve politika önerilerini değerlendirmeye
çalışmaktır. 

Kaynakça

  • Ainslie, G. (1975). Specious Reward: A Behavioral Theory of Impulsiveness and Impulse Control. Psychological Bulletin, 82(4), 463-496.
  • Ainslie, G.(1992). Picoeconomics: The Strategic Interaction of Successive Motivational States Within the Person. New York: Cambridge University Press.
  • Ando, A. and Modigliani, F. (2005).The 'Life-Cycle' Hypothesis of Saving: Aggregate Implications and Tests. içinde F. Franco (eds.), The Collected Papers of Franco Modigliani (Volume 6). USA: The MIT Press, pp. 47-78.(Eserin orijinali 1963'te yayınlandı).Ashraf, N., Karlan, D. ve Yin, W. (2003). A Review of Commitment Savings Products in Development Countries. Asian Development Bank, Manila, Phillippines.
  • Ashraf, N., Karlan, D. ve Yin, W. (2006). Tying Odysseus to the mast: Evidence from a commitment savings product in the Philippines. The Quarterly Journal of Economics, 121(2), 635-672.
  • Benartzi, S. ve Thaler, R. (2007). Heuristics and Biases in Retirement Savings Behavior. Journal of Economic perspectives, 21(3), 81-104.
  • Benartzi, S.ve Thaler, R. H. (2013). Behavioral Economics and the Retirement Savings Crisis. Science, 339(6124), 1152-1153.
  • Benzion, U., Rapport, A. ve Yagil,J.(1989). Discount Rates Inferred From Decisions: An Experimental Study. Management Science, 35(3), 270–284.
  • Beshears J., Choi J., Laibson D, ve Madrian, B(2008). The Importance of Default Options for Retirement Saving Outcomes: Evidence from the United States. İçinde : S.J. Kay ve T. Sinha (eds.) Lessons from Pension Reform in the Americas. US: Oxford University Press, 59-87.
  • Böhm-Bawerk, E. von (1891). The Positive Theory of Capital (Çev.W.Smart) New York: G.E. Stechert.(Eserin orijinali 1888'de yayınlandı).
  • Brune, L., Giné, X., Goldberg, J. ve Yang, D. (2011). Commitments to save: A field experiment in rural Malawi. Policy Research Working Papers, The World Bank.
  • Camerer, C.F. ve Loewenstein, G. (2004). Behavioral Economics: Past, Present, Future. Advances in Behavioral Economics. İçinde C.F. Camerer, G. Loewenstein, M. Rabin (eds.). New Jersey:Princeton University Press,3-51.
  • Carroll, G. D., Choi,J. J. , Laibson, D. , Madrian, B.C. ve Andrew, M. (2009).Optimal Defaults and Active Decisions. The Quarterly Journal of Economics,124 (4), 1639-1674.
  • Chabris, C.F., Laibson, D. I. ve Schuldt, J.P. (2007). Intertemporal Choice. İçinde Durlauf, S., ve Blume, L. (eds.). The New Palgrave Dictionary of Economics. İkinci Baskı, London: Palgrave Macmillan.
  • Choi, J. J., Laibson, D., Madrian, B. C. ve Metrick, A. (2002). Defined contribution pensions: plan rules, participant choices, and the path of least resistance. Tax policy and the economy, 16, 67-113.
  • DellaVigna, S. (2009). Psychology and Economics: Evidence from the Field. Journal of Economic literature, 47(2), 315-72.
  • Dhami, S. (2016). The Foundations of Behavioral Economic Analysis. New York: Oxford University Press.
  • Dupas, P. ve Robinson, J. (2013). Savings constraints and microenterprise development: Evidence from a field experiment in Kenya. American Economic Journal: Applied Economics, 5(1), 163-92.
  • Fisher, I. (1930). The Theory of Interest. New York: Macmillan Company.
  • Frederick, S., Loewenstein, G. ve O'Donoghue, T.(2002). Time Discounting and Time Preference: A Critical Review. Journal of Economic Literature, 40 (2), 351-401.
  • Herrnstein, R.(1981). Self-control as response strength. içinde C. Bradshaw, E. Szabadi ve C. Lowe (eds.) Quantification of steady-state operant behavior.New York: Elsevier-North Holland,3-20.
  • Kahneman, D., ve Tversky,A.(1979). Prospect Theory: An Analysis of Decision under Risk. Econometrica, 47(2), 263–291.
  • Kao, Y.F. ve Velupillai, K. V. (2015). Behavioral Economics: Classical and modern. The European Journal of the History of Economic Thought, 22(2), 236-271.
  • Katona, G. (1960). The Powerful Consumer. New York: McGraw-Hill.
  • Laibson, D. (1996). Hyperbolic Discounting, Undersaving, and Savings Policy. WorkingPaper 5635. Cambridge, Mass: National Bureau of Economic Research.
  • Laibson, D. (1997). Golden Eggs and Hyperbolic Discounting. The Quarterly Journal of Economics, 112(2), 443-478.
  • Laibson, D. (1998). Life-cycle Consumption and Hyperbolic Discount Functions. European economic review, 42(3-5), 861-871.
  • Laibson, D., Repetto,A. Tobacman, Hall, R., Gale, W. ve Akerlof, G. (1998). Self-control and Saving for Retirement. Brookings Papers on Economic Activity, 1, 91-196.
  • Laibson D, Repetto A.ve Tobacman J. (2003). A Debt Puzzle. İçinde P. Aghion, R. Frydman, J. Stiglitz, M. Woodford (eds.) Knowledge, Information, and Expectations in Modern Macroeconomics: In Honor of Edmund S. Phelps. Princeton: Princeton University Press, 228-266.
  • Laibson, D., Repetto, A., ve Tobacman, J. (2007). Estimating Discount Functions with Consumption Choices over the Lifecycle , NBER Working Paper No. 13314). National Bureau of Economic Research.
  • Loewenstein, G.(1988). Frames of Mind in Intertemporal Choice. Management Science, 34, 200–14.
  • Loewenstein, G. (1992). The fall and rise of psychological explanations in the economics of intertemporal choice. İçinde G. Loewenstein ve J. Elster (eds.), Choice over time. New York: Russell Sage Foundation,3-34.
  • Loewenstein, G. ve Prelec, D. (1992). Anomalies in Intertemporal Choice: Evidence and an Interpretation. The Quarterly Journal of Economics, 107(2),573–597.
  • Loewenstein, G. (1996). Out of Control: Visceral Influences on Behavior. Organizational Behavior and Human Decision Processes 65, 272–92.
  • Madrian, B. C., ve Shea, D. F. (2001). The power of suggestion: Inertia in 401 (k) participation and savings behavior. The Quarterly journal of economics, 116(4), 1149-1187.McClure, S. M., Laibson, D. I., Loewenstein, G. ve Cohen, J. D. (2004). Separate Neural Systems Value Immediate and Delayed Monetary Rewards. Science, 306(5695), 503-507.
  • Madrian, B. C. (2012). Matching contributions and savings outcomes: A behavioral economics perspective. NBER Working Papers 18220, National Bureau of Economic Research.
  • Modigliani, F. and Brumberg, R. (1979). "Utility Anaysis and Aggregate Consumption Function: An Attempt to Integration". içinde A. Abel (eds.), The Collected Papers of Franco Modigliani(Volume 2). Cambridge: The MIT Press, pp. 128-197.
  • Modigliani, F. and Brumberg, R. (2005). Utility Analysis and and the Consumption Function: An Interpretation of Cross-Section Data. içinde F. Franco (eds.), The Collected Papers of Franco Modigliani (Volume 6). USA: The MIT Press, pp. 1-45.(Eserin orijinali 1954'te yayınlandı).
  • Nyhus, E. K., ve Webley, P. (2006). Discounting, Self-control, and Saving. İçinde M. Altman (eds.)Handbook of contemporary behavioral economics: Foundations and developments, New York: M.E. Sharpe, 297-325.
  • O'Donoghue, T., ve Rabin, M. (2001). Choice and Procrastination. The Quarterly Journal of Economics, 116(1), 121-160.
  • Rabin, M. (2002). A Perspective on Psychology and Economics. European Economic Review. 46(4–5),657–85.
  • Rae, J. (1905). The Sociological Theory of Capital. New York: Macmillan Company. (Eserin orijinali 1834'de yayınlandı).
  • Read, D. (2004). Intertemporal Choice. İçinde D. J. Koehler ve N. Harvey (eds.), Blackwell Handbook of Judgment and Decision Making. Malden: Blackwell Publishing, 424-443.
  • Schelling, T. C. (1984). Self-command in Practice, in Policy, and in a Theory of Rational Choice. The American Economic Review, 74(2), 1-11.
  • Sent, E. M. (2004). Behavioral Economics: How Psychology Made Its (Limited) Way Back Into Economics. History of Political Economy , 36 (4), 735–760.Shefrin, H. M. ve Thaler, R. H. (1988). The Behavioral Life‐cycle Hypothesis. Economic inquiry, 26(4), 609-643.
  • Shefrin, H. M. ve Thaler, R. H. (2004). Mental Aaccounting, Saving, and Self-control. içinde C.F. Camerer, G. Loewenstein ve M. Rabin (eds.) Advances in behavioral economics. New York: Russel Sage Foundation, 395-428.
  • Shelley, M. K. (1993). Outcome Signs, Question Frames and Discount Rates. Management Science ,39, 806–15.
  • Streich, P. ve Levy, J. S. (2007). Time Horizons, Discounting, and Intertemporal Choice. Journal of Conflict Resolution, 51(2),199–226.
  • Strotz, R. H. (1956). Myopia and Inconsistency in Dynamic Utility Maximization. The Review of Economic Studies, 23(3), 165-180.
  • Sunstein, C. R. (2014). Nudging: a very short guide. Journal of Consumer Policy, 37(4), 583-588.
  • Thaler, R. (1981). Some Empirical Evidence on Dynamic Inconsistency.Economics Letters, 8(3), 201-207.
  • Thaler, R. H. ve Shefrin, H. M. (1981). An Economic Theory of Self-control. Journal of political Economy, 89(2), 392-406.
  • Thaler, R. H., ve Benartzi, S. (2004). Save more tomorrow™: Using behavioral economics to increase employee saving. Journal of political Economy, 112(S1), 164-187.Thaler, R. H. . Sunstein C.R (2008). Nudge: improving decisions about health, wealth, and happiness. USA: Yale University Press.
  • Thaler, R. H. 2016. Behavioral Economics: Past, Present, and Future. American Economic Review,106(7),1577-1600.
  • Tomer, J. F. (2007).What is Behavioral Economics?. Journal of Socio-Economics, 36(3), 463-479.
  • Warneryd, K. E. (1999). The Psychology of Saving. UK: Edward Elgar Publishing.
  • Weber, R. ve Dawes, R. (2005). Behavioral Economics. İçinde N.J. Smelser ve R. Swedberg (eds.). The Handbook of Economic Sociology, ikinci baskı, New Jersey:Princeton University Press ,90-108.
Toplam 56 adet kaynakça vardır.

Ayrıntılar

Birincil Dil Türkçe
Konular Ekonomi
Bölüm Makaleler
Yazarlar

Havva Serim

Fahriye Öztürk

Yayımlanma Tarihi 31 Aralık 2018
Yayımlandığı Sayı Yıl 2018 Cilt: 2 Sayı: 2

Kaynak Göster

APA Serim, H., & Öztürk, F. (2018). Davranışsal İktisat ve Zamanlararası Tercih: Tasarruf Davranışı Üzerine Bir İnceleme. Politik Ekonomik Kuram, 2(2), 146-172. https://doi.org/10.30586/pek.485394

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