UNDERPINNINGS OF PSYCHOLOGICAL DIFFERENCES FROM THE POINT OF SAVING BEHAVIOR

Türkay Şahin; Tuna Cakar; Seyit Ertuğrul; Cem Yigman

doi:10.48066/kusob.1026601

EN TR

UNDERPINNINGS OF PSYCHOLOGICAL DIFFERENCES FROM THE POINT OF SAVING BEHAVIOR

Öz

Individuals differ in terms of money management behaviors based on psychological characteristics. The main purpose of conducting research is to contribute to the development of a new credit risk assessment model to be used by a factoring firm, located in Turkey. For this reason, we conducted this research, using surveys related to personality traits, self-esteem, the value attributed to the materials and money, compulsive and impulsive buying tendencies, different aspects of self-control, and impulsiveness. Statistical analysis showed that there were significant differences between the individuals who save regularly and those who do not in terms of average impulsive buying, compulsive buying, impulsivity, retention-time, and extraversion scores. Also, the binary logistic model showed that time-retention, impulsivity, extraversion, agreeableness, and experiential self-control can successfully discriminate savers and non-savers. Some t-test and regression results were surprising; thus, these results will be evaluated through financial features of the participants in the discussion part.

Anahtar Kelimeler

Money management, financial behavior, saving behavior, personality, factoring

TASARRUF ETME DAVRANIŞININ ALTINDA YATAN PSİKOLOJİK FARKLILIKLAR

Öz

Bireyler, psikolojik özelliklere bağlı olarak para idaresi davranışları bakımından farklılaşırlar. Bu araştırmanın temel amacı, Türkiye’de yer alan bir faktoring firması bünyesinde geliştirilen kredi risk değerlendirme modeline katkıda bulunmaktı. Bu amaçla, kişilik özellikleri, benlik saygısı, materyal ve paraya atfedilen değer, kompülsif ve anlık satın alım yatkınlıkları, öz-kontrolün farklı boyutları ve dürtüsellik değişkenini kullanarak bu araştırmayı yürüttük. İstatistiksel analizler, düzenli olarak bir miktar tasarruf eden ve etmeyen insanlar arasında ortalama anlık satın alım, kompülsif satın alım, dürtüsellik, elde tutma-zaman ve dışadönüklük farklılıkları olduğunu gösterdi. Ayrıca, binary lojistik regresyon modeli, elde tutma-zaman, dürtüsellik, dışadönüklük, uyumluluk ve yaşantısal öz-kontrol değişkenlerinin tasarruf eden ve etmeyen insanları anlamlı bir şekilde ayırabildiğini gösterdi. Bazı t-test ve regresyon sonuçları şaşırtıcıydı; dolayısıyla, bu sonuçlar katılımcıların sahip oldukları finansal özellikler yardımıyla tartışma kısmında açıklanacaktır.

Anahtar Kelimeler

Para idaresi, finansal davranış, tasarruf etme davranışı, kişilik, faktoring

Destekleyen Kurum

MEF Üniversitesi

Proje Numarası

E-47749665-050.01.04-893

Kaynakça

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Ayrıntılar

Birincil Dil

İngilizce

Konular

Psikoloji

Bölüm

Araştırma Makalesi

Yazarlar

Türkay Şahin ^*
0000-0002-7722-7233
Türkiye

Tuna Cakar
0000-0001-8594-7399
Türkiye

Seyit Ertuğrul
0000-0003-0828-7336
Türkiye

Cem Yigman
0000-0002-6972-9778
Türkiye

Yayımlanma Tarihi

31 Aralık 2022

Gönderilme Tarihi

23 Kasım 2021

Kabul Tarihi

29 Aralık 2022

Yayımlandığı Sayı

Yıl 2022 Cilt: 6 Sayı: 2

DOI

https://doi.org/10.48066/kusob.1026601

IZ

https://izlik.org/JA22SX64FZ

APA

Şahin, T., Cakar, T., Ertuğrul, S., & Yigman, C. (2022). UNDERPINNINGS OF PSYCHOLOGICAL DIFFERENCES FROM THE POINT OF SAVING BEHAVIOR. Kuram ve Uygulamada Sosyal Bilimler Dergisi, 6(2), 162-179. https://doi.org/10.48066/kusob.1026601

AMA

1.Şahin T, Cakar T, Ertuğrul S, Yigman C. UNDERPINNINGS OF PSYCHOLOGICAL DIFFERENCES FROM THE POINT OF SAVING BEHAVIOR. Social Sciences: Theory & Practice. 2022;6(2):162-179. doi:10.48066/kusob.1026601

Chicago

Şahin, Türkay, Tuna Cakar, Seyit Ertuğrul, ve Cem Yigman. 2022. “UNDERPINNINGS OF PSYCHOLOGICAL DIFFERENCES FROM THE POINT OF SAVING BEHAVIOR”. Kuram ve Uygulamada Sosyal Bilimler Dergisi 6 (2): 162-79. https://doi.org/10.48066/kusob.1026601.

EndNote

Şahin T, Cakar T, Ertuğrul S, Yigman C (01 Aralık 2022) UNDERPINNINGS OF PSYCHOLOGICAL DIFFERENCES FROM THE POINT OF SAVING BEHAVIOR. Kuram ve Uygulamada Sosyal Bilimler Dergisi 6 2 162–179.

IEEE

[1]T. Şahin, T. Cakar, S. Ertuğrul, ve C. Yigman, “UNDERPINNINGS OF PSYCHOLOGICAL DIFFERENCES FROM THE POINT OF SAVING BEHAVIOR”, Social Sciences: Theory & Practice, c. 6, sy 2, ss. 162–179, Ara. 2022, doi: 10.48066/kusob.1026601.

ISNAD

Şahin, Türkay - Cakar, Tuna - Ertuğrul, Seyit - Yigman, Cem. “UNDERPINNINGS OF PSYCHOLOGICAL DIFFERENCES FROM THE POINT OF SAVING BEHAVIOR”. Kuram ve Uygulamada Sosyal Bilimler Dergisi 6/2 (01 Aralık 2022): 162-179. https://doi.org/10.48066/kusob.1026601.

JAMA

1.Şahin T, Cakar T, Ertuğrul S, Yigman C. UNDERPINNINGS OF PSYCHOLOGICAL DIFFERENCES FROM THE POINT OF SAVING BEHAVIOR. Social Sciences: Theory & Practice. 2022;6:162–179.

MLA

Şahin, Türkay, vd. “UNDERPINNINGS OF PSYCHOLOGICAL DIFFERENCES FROM THE POINT OF SAVING BEHAVIOR”. Kuram ve Uygulamada Sosyal Bilimler Dergisi, c. 6, sy 2, Aralık 2022, ss. 162-79, doi:10.48066/kusob.1026601.

Vancouver

1.Türkay Şahin, Tuna Cakar, Seyit Ertuğrul, Cem Yigman. UNDERPINNINGS OF PSYCHOLOGICAL DIFFERENCES FROM THE POINT OF SAVING BEHAVIOR. Social Sciences: Theory & Practice. 01 Aralık 2022;6(2):162-79. doi:10.48066/kusob.1026601

Social Sciences: Theory & Practice is an international scientific journal for the publication of research and studies covering all aspects of social sciences and related discipline.

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UNDERPINNINGS OF PSYCHOLOGICAL DIFFERENCES FROM THE POINT OF SAVING BEHAVIOR

Öz

Anahtar Kelimeler

TASARRUF ETME DAVRANIŞININ ALTINDA YATAN PSİKOLOJİK FARKLILIKLAR

Öz

Anahtar Kelimeler

Destekleyen Kurum

Proje Numarası

Kaynakça

Ayrıntılar

Birincil Dil

Konular

Bölüm

Yazarlar

Yayımlanma Tarihi

Gönderilme Tarihi

Kabul Tarihi

Yayımlandığı Sayı

DOI

IZ

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