Publication: TÜRKİYE’DE HANEHALKI TASARRUF DAVRANIŞLARININ_x000D_
BELİRLEYİCİLERİ
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Date
2019-07-31
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Abstract
Hanehalkı tasarrufları bir ülke ekonomisi için hem yatırım finansman kaynağı hem de makroekonomik istikrarın sağlanmasında önemli bir araç olarak kullanılmaktadır. Bu nedenle hanehalkı tasarruf birikimindekiartış önem arz etmekte, bireylerin tasarruf eğilimini etkileyen faktörlerin tespiti ise bu çalışmanın ana amacınıoluşturmaktadır. Bu çerçevede çalışmada, Türkiye İstatistik Kurumu, Kalkınma Bakanlığı ve Dünya Bankası’ndan elde edilen veriler ile Türkiye’de hanehalkı tasarruf davranışlarının belirleyicileri (1996-2017) incelenmiştir. Kişi başı GSYH, enflasyon oranı, para arzı ve genç bağımlılık oranı modelde yer alan değişkenlerdir. Çalışmanın ekonometrik analiz kısmında ise En Küçük Kareler(EKK) yöntemi kullanılmıştır. Çalışmanın sonucundakişi başına düşen GSYH ve enflasyon oranlarının tasarruf oranları üzerine anlamlı ve olumlu, para arzı ve gençbağımlılık oranlarının ise tasarruf oranları üzerine anlamlı ve olumsuz etkilerinin olduğu sonucuna ulaşılmıştır. Bulgular incelendiğinde değişkenlerin tamamının tasarruf oranları üzerine ilişkisi, literatürde yer alan çalışmalarla benzerlik göstermektedir.
Household savings are used both as a source of investment financing for a country’s economy and as an important tool for achieving macroeconomic stability. Therefore, the increase in household savings accumulation is important and the main purpose of this study is to determine the factors affecting the disposition of individuals. The work in this context,determinants of household savings behavior in Turkey with the data obtained from_x000D_ Turkey Statistical Institute, Ministry of Development and the World Bank (1996-2017) was examined. GDP per_x000D_ capita, inflation rate, money supply and youth dependency ratio are the variables in the model. In the econometric analysis of the study, Least Squares (OLS) method was used. As a result of the study, it has been concluded_x000D_ that GDP and inflation rates per capita have significant and positive effects on saving rates, money supply and_x000D_ young dependency ratios have significant and negative effects on saving rates. When the findings are examined,_x000D_ the relation of all the variables on saving rates is similar to the studies in the literature.
Household savings are used both as a source of investment financing for a country’s economy and as an important tool for achieving macroeconomic stability. Therefore, the increase in household savings accumulation is important and the main purpose of this study is to determine the factors affecting the disposition of individuals. The work in this context,determinants of household savings behavior in Turkey with the data obtained from_x000D_ Turkey Statistical Institute, Ministry of Development and the World Bank (1996-2017) was examined. GDP per_x000D_ capita, inflation rate, money supply and youth dependency ratio are the variables in the model. In the econometric analysis of the study, Least Squares (OLS) method was used. As a result of the study, it has been concluded_x000D_ that GDP and inflation rates per capita have significant and positive effects on saving rates, money supply and_x000D_ young dependency ratios have significant and negative effects on saving rates. When the findings are examined,_x000D_ the relation of all the variables on saving rates is similar to the studies in the literature.