Financial Distress Of Adults: A Survey In Eskişehir, Turkey

Öz

As financial well-being is considered to be one of the most important factors which may affect the level of financial satisfaction and consequently the level of life satisfaction, financial distress has emerged as an important subject of research. We measure the variables of financial distress, financial management behavior and money attitude for adults with a survey conducted on a sample of households living in Eskişehir, Turkey and attempt to model the interrelationships between these variables using Structural Equation Models. The results of the model reveal that High Level of Financial Distress is associated positively with Risky Financial Management Behavior and negatively with Investment Oriented Financial Management Behavior. Moreover, Money Oriented Financial Attitude and Investment Oriented Financial Management Behavior are positively correlated. According to the findings, married adults seem to be the most financially satisfied group, whereas single adults seem to be the least financially satisfied group. Yet, interestingly, they are the least financially distressed group as well. Divorced adults, on the other hand, seem to be the most financially distressed group. Middle aged adults seem to overview their financial position more often than young adults. Both young and middle aged women seem to overview their financial position more often than men. Women tend to save more on a regular basis compared to men. Similarly, young adults tend to save more on a regular basis.

Anahtar Kelimeler

• Financial Distress,Financial Management Behavior,Money Attitude,Structural Equation Models

Yetişkinlerde Finansal Sıkıntı: Türkiye, Eskişehir’de Bir Anket Uygulaması

Öz

Finansal sağlık, finansal memnuniyeti ve ve bunun sonucunda yaşam memnuniyetini etkileyebilecek en önemli faktörlerden biri olarak kabul edildiğinden, finansal sıkıntı önemli bir araştırma konusu olarak ortaya çıkmıştır. Çalışmada, Türkiye’nin Eskişehir kentinde yaşayan hane halklarını temsil eden bir örneklem üzerinde anket uygulanarak; Finansal Sıkıntı, Finansal Yönetim Davranışı, Paraya Karşı Tutum değişkenleri ölçülmüş ve bu değişkenler arasındaki ilişkiler Yapısal Eşitlik Modelleri ile modellenmeye çalışılmıştır.  Modelin sonuçlarına göre, yüksek derecedeki finansal sıkıntı, riskli finansal yönetim davranışı ile pozitif, yatırım odaklı finansal yönetim davranışı ile negatif ilişki göstermektedir. Ayrıca, para odaklı finansal tutum ve yatırım odaklı finansal yönetim davranışı birbirleriyle pozitif ilişki göstermektedir. Bulgulara göre, evli yetişkinler finansal yönden en yüksek memnuniyete sahipken, bekar yetişkinler finansal yönden en düşük memnuiyete sahip görünmektedir. Ancak, ilginç şekilde, bekar yetişkin grubu aynı zamanda en az finansal sıkıntı yaşayan gruptur. Öte yandan, boşanmış yetişkinler, en fazla finansal sıkıntı yaşayan gruptur. Orta yaşlı yetişkinler, gençlere göre finansal durumlarını daha fazla gözden geçirmektedir. Hem genç, hem orta yaşlı kadınlar, erkeklere göre finansal durumlarını daha fazla gözden geçirmektedir. Kadınlar, erkeklere göre daha fazla düzenli tasarruf yapma eğilimindedir. Benzer şekilde, genç yetişkinler daha fazla düzenli tasarruf yapma eğilimindedir.

Anahtar Kelimeler

• Finansal Sıkıntı,Finansal Yönetim Davranışı,Paraya Karşı Tutum,Yapısal Eşitlik Modelleri

Kaynakça

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