Gelir, Yoksulluk ve Eğitim Bağlamında Hanehalkı Ekonomilerinin Finansal Kırılganlığı: Türkiye Örneği (2009–2024)

Yıl 2025, Cilt: 26 Sayı: Özel Sayı, 1897 - 1925, 30.12.2025

Muhammed Mustafa Tuncer Çalışkan

Öz

Bu çalışma, Türkiye’de 2009–2024 döneminde hanehalkı finansal kırılganlığını çok boyutlu bir çerçevede incelemektedir. Gelir yoksulluğu, konut sahipliği, eğitim düzeyi, tüketim yoksunluğu ve borç yükü gibi göstergeler kullanılarak finansal kırılganlığın kalıcı yapısı ortaya konmuştur. Bulgular, kırılganlığın özellikle kadınların liderlik ettiği ve çocuklu hanelerde daha yüksek olduğunu; düşük eğitimli bireylerin yoksulluk riskinin daha fazla olduğunu göstermektedir. Ayrıca, konut sahibi olma oranındaki düşüş ve beklenmedik harcamaları karşılama kapasitesindeki yetersizlik de dikkat çekmektedir. Çalışma, ekonomik büyüme temelli yaklaşımların yetersiz kaldığını ve finansal kırılganlıkla mücadelede hak temelli, çok boyutlu politika setlerine ihtiyaç duyulduğunu vurgulamaktadır.

Anahtar Kelimeler

Finansal kırılganlık , gelir yoksulluğu , eğitim düzeyi , hanehalkı kırılganlığı , Türkiye

Financial Fragility of Household Economies in the Context of Income, Poverty, and Education: The Case of Turkey (2009–2024)

Öz

This study examines household financial fragility in Turkey between 2009 and 2024 using a multidimensional framework. Drawing on indicators such as income poverty, housing tenure, education level, consumption deprivation, and debt burden, it identifies the structural persistence of fragility over time. The findings reveal heightened fragility among female-headed households, families with children, and individuals with low educational attainment. Declining homeownership and limited capacity to cope with unexpected expenses further illustrate the erosion of household resilience. The results suggest that growth-oriented policies have fallen short in addressing entrenched vulnerabilities. Accordingly, the study underscores the need for rights-based, multidimensional policy interventions that integrate income, education, care responsibilities, and housing as interrelated pillars of household economic security.

Anahtar Kelimeler

Financial fragility , income poverty , educational attainment , household vulnerability , Turkey

Kaynakça

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