Financial Distress Of Adults: A Survey In Eskişehir, Turkey

Yıl 2019, Cilt: 5 Sayı: 3, 160 - 169, 24.10.2019

Özlem Sayılır , Zeynep İlhan Veysel Yılmaz

https://doi.org/10.30855/gjeb.2019.5.3.002

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

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