Relative Financial Deprivation and Financial Satisfaction among Minimum Wage Earners in Türkiye: A Serial Mediation Analysis

Öz

The research is a behavioral finance-based study that examines the financial difficulties experienced by minimum wage earners in Turkey from a psychological perspective. In this context, the study explains the financial difficulties experienced by minimum wage earners based on the theory of relative deprivation. The aim of the study is to determine the financial difficulties experienced by minimum wage earners and the psychological effects of this situation. To achieve this goal, the study examines the serial mediator role of financial self-efficacy and financial anxiety in the relationship between relative financial deprivation and financial satisfaction. In this context, a survey was conducted among 633 minimum wage earners in Turkey. The findings of the study indicate that minimum wage earners in Turkey experience relative financial deprivation, which in turn reduces their financial satisfaction. Furthermore, the study revealed that financial self-efficacy and financial anxiety act as mediators in the relationship between relative financial deprivation and financial satisfaction, with each acting independently. However, the study also demonstrated that financial self-efficacy and financial anxiety do not act in a serial mediation role in the relationship between financial deprivation and financial satisfaction.

Anahtar Kelimeler

• Relative Financial Deprivation
• Financial Self-Efficacy
• Financial Anxiety
• Financial Satisfaction
• Minimum Wage Workers

Türkiye’deki Asgari Ücretlilerde Göreli Finansal Yoksunluk ve Finansal Memnuniyet İlişkisi: Bir Seri Aracılık Analizi

Öz

Araştırmamız Türkiye’deki asgari ücretlilerin yaşadığı finansal sıkıntıları psikolojik açıdan inceleyen davranışsal finans temelli bir araştırmadır. Bu kapsamda çalışmamız asgari ücretlilerin yaşadığı finansal sıkıntıları göreli yoksunluk teorisine dayandırarak açıklamaktadır. Çalışmanın amacı asgari ücretlilerin yaşadığı finansal sıkıntıların ve bu durumun yarattığı psikolojik etkilerin neler olduğunu belirlemektir. Bu amaca ulaşmak için çalışmada göreli finansal yoksunluk ve finansal memnuniyet arasındaki ilişkide finansal öz yeterlilik ve finansal kaygının seri aracı rolü incelenmektedir. Bu bağlamda Türkiye’de asgari ücretle çalışan 633 kişiye anket yapılmıştır. Araştırmanın sunucunda Türkiye’de çalışan asgari ücretlilerin göreli finansal yoksunluk yaşadığı ve göreli finansal yoksunluğun finansal memnuniyeti azalttığı tespit edilmiştir. Ayrıca göreli finansal yoksunluk ve finansal memnuniyet arasındaki ilişkiye finansal öz yeterliliğin ve finansal kaygının ayrı ayrı modellerde aracı rol üstlendiği görülmüştür. Ancak araştırmada, finansal yoksunluk ve finansal memnuniyet arasındaki ilişkide finansal öz yeterlilik ile birlikte finansal kaygının seri aracılık etkisinin bulunmadığı da ulaşılan bir başka sonuçtur.

Anahtar Kelimeler

• Göreli Finansal Yoksunluk
• Finansal Öz Yeterlilik
• Finansal Kaygı
• Finansal Memnuniyet
• Asgari Ücretliler

Destekleyen Kurum

Yok

Etik Beyan

Var

Teşekkür

yok

Kaynakça

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