Does Pain that Doesn't Kill Strengthen or Bankrupt? The Effect of Psychological Resilience Factors on Financial Attitude

Öz

In recent years, personality traits and psychology connections of behavioral finance have been frequently preferred by researchers. In other words, the effects of psychological variables on people's financial behaviors have become an important research topic. In connection with this idea the aim of this research is to determine the psychological resilience of young banker and insurer candidates and their effects on their financial attitudes. Convenience sampling method was preferred for the study and 200 people were included in the study. In the research, reliability and validity analysis, frequency analysis, confirmatory factor analysis and path analysis were performed. According to the research results; While the "Self-Perception" dimension, which is one of the sub-dimensions of the resilience scale for adults, had a positive effect on the "Frugal", "Shy" and "Extravagant" dimensions of the financial attitude scale, no significant relationship was found with the "Conscious" dimension. While the "Future Perception" dimension, which is another sub-dimension, had a negative effect on the "Conscious" dimension of the financial attitude scale, and the "Social Resources" dimension on the "Shy" dimension, no significant relationship was found with the other dimensions.

Anahtar Kelimeler

• Psychological Resilience
• Financial Attitude
• Behavioral Finance

Öldürmeyen Acı Güçlendirir mi Yoksa Batırır mı? Psikolojik Dayanıklılık Unsurlarının Finansal Tutuma Etkisi

Öz

Son yıllarda davranışsal finansın kişilik özellikleri ve psikoloji bağlantıları araştırmacılar tarafından sıklıkla tercih edilmektedir. Başka bir deyişle psikolojik değişkenlerin insanların finansal davranışları üzerindeki etkileri önemli birer araştırma konusu haline gelmiştir. Bu fikirle ile bağlantılı olarak araştırmanın amacı genç bankacı ve sigortacı adaylarının psikolojik dayanıklılıklarının ve finansal tutumları üzerindeki etkisinin belirlenmesidir. Çalışma kolayda örnekleme yöntemi tercih edilmiş olup 200 kişi araştırmaya dahil edilmiştir. Araştırmada güvenirlik ve geçerlilik analizi, frekans analizi, doğrulayıcı faktör analizi ve yol analizi yapılmıştır. Araştırma sonuçlarına göre; Yetişkinler için dayanıklılık ölçeği alt boyutlarından “Kendilik Algısı” boyutunun, finansal tutum ölçeği boyutlarından “Tutumlu” , “Sıkılgan” ve ” Savurgan” boyutları üzerinde pozitif bir etkisi bulunurken, “Bilinçli” boyutu ile anlamlı bir ilişkisine rastlanılmamıştır. Diğer bir alt boyut olan “Gelecek Algısı” boyutunun finansal tutum ölçeğinin “Bilinçli” boyutu üzerinde “Sosyal Kaynaklar” boyutunun ise “Sıkılgan” boyutu üzerinde negatif bir etkisi bulunurken, diğer boyutlar ile anlamlı bir ilişkisine rastlanılmamıştır.

Anahtar Kelimeler

• Psikolojik Dayanıklılık
• Finansal Tutum
• Davranışsal Finans

Kaynakça

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