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

Cilt: 26 Sayı: Özel Sayı 30 Aralık 2025
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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

  1. Acar, A. (2014). The dynamics of multidimensional poverty in Turkey (BETAM Working Paper No. 014). Istanbul, Turkey: Bahçeşehir University, Center for Economic and Social Research (BETAM).
  2. Acet Dönmez, G., & Eriş Dereli, B. (2024). A study on multidimensional poverty in Türkiye from a regional perspective. Ekonomi Tek, 13(1), 49–83.
  3. Adaman, F., & Keyder, C. (with contributions from S. Müderrisoğlu, B. Yılmaz, & D. Yükseker). (2006). Poverty and social exclusion in the slum areas of large cities in Turkey (Study prepared for the European Commission, Directorate General for Employment, Social Affairs and Equal Opportunities). European Commission. Retrieved from https://ec.europa.eu/employment_social/social_inclusion/docs/2006/study_turkey_en.pdf
  4. Aisenbrey, S. (2009). Economic penalties and rewards of family formation, gender and education in the low-income sector in Germany. British Journal of Sociology, 60(1), 95–121. https://doi.org/10.1111/j.1468-4446.2008.01220.x
  5. Akarcay-Gurbuz, A., & Ulus, M. (2011). Labor force status and income disparity: Evidence from Turkey. Région et Développement, 34, 39–56.
  6. Akkoc, U., & Kizilirmak, B. (2021). Household level inflation rates and inflation inequality in Turkey. Business and Economics Research Journal, 12(1), 17–32. https://doi.org/10.20409/berj.2021.308
  7. Albayrak, Ö. (2020). Household consumption, household indebtedness, and inequality in Turkey: A microeconometric analysis (Levy Economics Institute Working Paper No. 954). Annandale-on Hudson, NY: Levy Economics Institute of Bard College. Retrieved from https://www.levyinstitute.org/wp-content/uploads/2024/02/wp_954.pdf
  8. Alkire, S., & Foster, J. (2011). Counting and multidimensional poverty measurement. Journal of Public Economics, 95(7–8), 476–487. https://doi.org/10.1016/j.jpubeco.2010.11.006
  9. Amara, M., & Jemmali, H. (2018). Household and contextual indicators of poverty in Tunisia: A multilevel analysis. Social Indicators Research, 137(1), 113–138. https://doi.org/10.1007/s11205-017-1602-8
  10. Aslan, G. (2020). Gender poverty gap in Turkey. Focus on Research in Contemporary Economics (FORCE), 1(2), 85–102. Retrieved from https://www.forcejournal.org/index.php/force/article/view/17

Kaynak Göster

APA
Çalışkan, M. M. T. (2025). Financial Fragility of Household Economies in the Context of Income, Poverty, and Education: The Case of Turkey (2009–2024). Eskişehir Osmangazi Üniversitesi Sosyal Bilimler Dergisi, 26(Özel Sayı), 1897-1925. https://doi.org/10.17494/ogusbd.1720866
AMA
1.Çalışkan MMT. Financial Fragility of Household Economies in the Context of Income, Poverty, and Education: The Case of Turkey (2009–2024). Eskişehir Osmangazi Üniversitesi Sosyal Bilimler Dergisi. 2025;26(Özel Sayı):1897-1925. doi:10.17494/ogusbd.1720866
Chicago
Çalışkan, Muhammed Mustafa Tuncer. 2025. “Financial Fragility of Household Economies in the Context of Income, Poverty, and Education: The Case of Turkey (2009–2024)”. Eskişehir Osmangazi Üniversitesi Sosyal Bilimler Dergisi 26 (Özel Sayı): 1897-1925. https://doi.org/10.17494/ogusbd.1720866.
EndNote
Çalışkan MMT (01 Aralık 2025) Financial Fragility of Household Economies in the Context of Income, Poverty, and Education: The Case of Turkey (2009–2024). Eskişehir Osmangazi Üniversitesi Sosyal Bilimler Dergisi 26 Özel Sayı 1897–1925.
IEEE
[1]M. M. T. Çalışkan, “Financial Fragility of Household Economies in the Context of Income, Poverty, and Education: The Case of Turkey (2009–2024)”, Eskişehir Osmangazi Üniversitesi Sosyal Bilimler Dergisi, c. 26, sy Özel Sayı, ss. 1897–1925, Ara. 2025, doi: 10.17494/ogusbd.1720866.
ISNAD
Çalışkan, Muhammed Mustafa Tuncer. “Financial Fragility of Household Economies in the Context of Income, Poverty, and Education: The Case of Turkey (2009–2024)”. Eskişehir Osmangazi Üniversitesi Sosyal Bilimler Dergisi 26/Özel Sayı (01 Aralık 2025): 1897-1925. https://doi.org/10.17494/ogusbd.1720866.
JAMA
1.Çalışkan MMT. Financial Fragility of Household Economies in the Context of Income, Poverty, and Education: The Case of Turkey (2009–2024). Eskişehir Osmangazi Üniversitesi Sosyal Bilimler Dergisi. 2025;26:1897–1925.
MLA
Çalışkan, Muhammed Mustafa Tuncer. “Financial Fragility of Household Economies in the Context of Income, Poverty, and Education: The Case of Turkey (2009–2024)”. Eskişehir Osmangazi Üniversitesi Sosyal Bilimler Dergisi, c. 26, sy Özel Sayı, Aralık 2025, ss. 1897-25, doi:10.17494/ogusbd.1720866.
Vancouver
1.Muhammed Mustafa Tuncer Çalışkan. Financial Fragility of Household Economies in the Context of Income, Poverty, and Education: The Case of Turkey (2009–2024). Eskişehir Osmangazi Üniversitesi Sosyal Bilimler Dergisi. 01 Aralık 2025;26(Özel Sayı):1897-925. doi:10.17494/ogusbd.1720866