Araştırma Makalesi
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Finansal Okuryazarlığın Kişilik Özellikleri ile İrrasyonel Satın Alma Davranışları Arasındaki Aracılık Etkisinin Belirlenmesi Üzerine Bir Araştırma

Yıl 2022, Cilt: 23 Sayı: 3, 736 - 746, 24.07.2022

Mehmet Ali Paylan , Yusuf Bahadır Kavas

https://doi.org/10.37880/cumuiibf.1092137
Cited By: 1

Öz

Bu çalışma, davranışsal finans alanında son yıllarda üzerinde en çok çalışılan konulardan biri olan finansal okuryazarlığın kompulsif ve dürtüsel satın alma davranışını etkileyip etkilemediğini test etmeyi amaçlamaktadır. Ayrıca, finansal okuryazarlığın kişilik özellikleri ile kompulsif ve dürtüsel satın alma davranışı arasındaki ilişkiye aracılık edip etmediğinin belirlenmesi hedeflenmektedir. Araştırmanın ana kütlesini Türkiye’de yerleşik olan 18 yaşından büyük kişiler oluşturmaktadır. Bu ana kütleden, kolayda örneklem yoluyla seçilen 405 katılımcıdan çevrimiçi anket kullanılarak veriler toplanmıştır. Araştırma hipotezlerini test etmek için veriler regresyon ve aracılık analizlerine tabi tutulmuştur. Sonuçlar, finansal okuryazarlığın kompulsif ve dürtüsel satın alma davranışı üzerinde anlamlı bir etkiye sahip olduğunu ve ayrıca A ve B tipi kişiliğin finansal okuryazarlık üzerinde anlamlı bir etkiye sahip olduğunu göstermektedir. Öte yandan, finansal okuryazarlık, A ve B kişilik tipolojileri ile kompulsif ve dürtüsel satın alma davranışları arasında aracılık etkisine sahip değildir. Gelecek çalışmalarda, özellikle finansal okuryazarlık sürekli bir ölçekte ölçülürse araştırma modeli aracılık etkisi açısından daha anlamlı sonuçlar ortaya koyabilir. Elde edilen bulgulardan hareketle, finansal okuryazarlık düzeyindeki artış, bireylerin tasarruf eğilimlerini olumlu yönde etkileyebilecektir. Böylece, bireylerin kompülsif ve dürtüsel satın alma davranışlarını göstermesi önlenebilecektir. Bu çalışma, finansal okuryazarlık ve irrasyonel satın alma davranışlarını beraber inceleyen literatürdeki ilk araştırma olduğundan, özgün bir değere sahiptir.

Anahtar Kelimeler

Kompulsif satın alma Fİnansal okuryazarlık Dürtüsel satın alma Kişilik tipleri

Destekleyen Kurum

Destekleyen kurum bulunmamaktadır.

Kaynakça

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  • Braun Santos, D., Mendes‐Da‐Silva, W., Flores, E., &Norvilitis, J. M. (2016). Predictors of credit card use and perceived financial well‐being in female college students: a Brazil‐United S tates comparative study. International Journal of Consumer Studies, 40(2), 133–142.
  • Carlin, B. I., & Robinson, D. T. (2012). What does financial literacy training teach us? The Journal of Economic Education, 43(3), 235–247.
  • Çelikten, L., & Doğan, M. C. (2020). Marmara finansal okuryazarlık tutum ve davranış ölçeğinin geliştirilmesi. Journal of Hasan Ali Yücel Faculty of Education/Hasan Ali Yücel Egitim Fakültesi Dergisi (HAYEF), 17(2), 199–221.
  • Darrat, A. A., Darrat, M. & Amyx, D. (2016). How impulse buying influences compulsive buying: The central role of consumer anxiety and escapism. Journal of Retailing and Consumer Services, 31, 103–108.
  • Dew, J., & Xiao, J. J. (2011). The financial management behavior scale: Development and validation. Journal of Financial Counseling and Planning, 22(1), 43–59.
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  • Dittmar, H. (2005b). Compulsive buying–a growing concern? An examination of gender, age, and endorsement of materialistic values as predictors. British Journal of Psychology, 96(4), 467–491.
  • Durmuşkaya, S., & Kavas, Y. (2018). Akademik gelişim ve finansal okuryazarlık arasındaki ilişkinin tespiti üzerine bir araştırma. Yönetim ve Ekonomi: Celal Bayar Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi, 3, 925–939.
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  • Durna, U. (2005). A tipi ve B tipi kişilik yapilari ve bu kişilik yapilarini etkileyen faktörlerle ilgili bir araştirma. Atatürk Üniversitesi İktisadi ve İdari Bilimler Dergisi, 19(1), 275–290.
  • Erciş, A., Deligöz, K., & Mutlu, M. (2021). Öğrencilerin FoMo ve plansız satın alma davranışları üzerine bir uygulama. Ataturk University Journal of Economics and Administrative Sciences, 35(1), 219–243.
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A Study on the Mediating Effect of Financial Literacy Between Personality Traits and Irrational Buying Behaviors

Yıl 2022, Cilt: 23 Sayı: 3, 736 - 746, 24.07.2022

Mehmet Ali Paylan , Yusuf Bahadır Kavas

https://doi.org/10.37880/cumuiibf.1092137
Cited By: 1

Öz

This study aims to test whether financial literacy, which is one of the most studied topics in behavioral finance in recent years, affects compulsive and impulsive buying behavior. It also aims to answer whether financial literacy mediates the relationship between personality traits and compulsive and impulsive buying behavior. The population consists of people over the age of 18 residing in Turkey. Data were collected using an online questionnaire from 405 participants selected by convenience sampling from this population. To test the hypothesis, data were subjected to regression and mediation analysis. The results show that financial literacy has a significant effect on compulsive and impulsive buying behavior and also type A and B personality has a significant effect on financial literacy. On the other hand, Financial literacy doesn’t mediate between A and B personality typologies and compulsive and impulsive buying behaviors. In future studies, especially if financial literacy is measured on a continuous scale, the research model might be show more significant results in terms of mediation effect. Based on the findings, the increase in the level of financial literacy may positively affect the saving tendencies of individuals. Thus, individuals will be prevented from compulsive and impulsive buying behaviors. This study is original as it is the first research in the literature that examines financial literacy and irrational buying behaviors together.

Anahtar Kelimeler

Compulsive buying Financial literacy Impulsive buying Personality typologies

Kaynakça

  • Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211.
  • Ajzen, I. (2002). Perceived behavioral control, self‐efficacy, locus of control, and the theory of planned behavior 1. Journal of Applied Social Psychology, 32(4), 665–683.
  • Aktaş, A. M. (2001). Bir kamu kuruluşunun üst düzey yöneticilerinin iş stresi ve kişilik özellikleri. Ankara Üniversitesi SBF Dergisi, 56(4), 25–42.
  • Anisa, N. A., Arifin, S., Setyowati, L., Hidayah, N., & Megasari, A. D. (2020). Financial literacy on impulsive buying behavior in Y generation. Quantitative Economics and Management Studies, 1(1), 70–75.
  • Armağan, E. A., & Küçükkambak, S. E. (2015). Y kuşağı tüketicilerinin moda bloglarına yönelik tutumunun satın alma niyeti etkisi üzerine bir araştırma. İstanbul Üniversitesi İşletme Fakültesi İşletme İktisadı Enstitüsü Yönetim Dergisi, 26(79), 83–111.
  • Arslan, B. (2015). Kredi kartı kullanımının kompulsif satın almaya etkisi. AJIT-e: Online Academic Journal of Information Technology, 6(20), 27–40.
  • Atkinson, A., Monticone, C., & Mess, F. A. (2016). OECD/INFE international survey of adult financial literacy competencies. Technical Report, OECD.
  • Avcı, U., & Kaya, U. (2010). Yıldırma (mobbing) ve kişilik ilişkisi: Hizmet sektörü çalışanları üzerinde bir araştırma. Afyon Kocatepe Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi, 12(2), 51–79.
  • Badgaiyan, A. J., & Verma, A. (2015). Does urge to buy impulsively differ from impulsive buying behavior? Assessing the impact of situational factors. Journal of Retailing and Consumer Services, 22, 145–157.
  • Batıgün, A. D., & Şahin, N. H. (2006). İş stresi ve sağlık psikolojisi araştırmaları için iki ölçek: A-tipi kişilik ve iş doyumu. Türk Psikiyatri Dergisi, 17(1), 32–45.
  • Black, D. W. (2001). Compulsive Buying Disorder. CNS Drugs, 15(1), 17–27.
  • Braun Santos, D., Mendes‐Da‐Silva, W., Flores, E., &Norvilitis, J. M. (2016). Predictors of credit card use and perceived financial well‐being in female college students: a Brazil‐United S tates comparative study. International Journal of Consumer Studies, 40(2), 133–142.
  • Carlin, B. I., & Robinson, D. T. (2012). What does financial literacy training teach us? The Journal of Economic Education, 43(3), 235–247.
  • Çelikten, L., & Doğan, M. C. (2020). Marmara finansal okuryazarlık tutum ve davranış ölçeğinin geliştirilmesi. Journal of Hasan Ali Yücel Faculty of Education/Hasan Ali Yücel Egitim Fakültesi Dergisi (HAYEF), 17(2), 199–221.
  • Darrat, A. A., Darrat, M. & Amyx, D. (2016). How impulse buying influences compulsive buying: The central role of consumer anxiety and escapism. Journal of Retailing and Consumer Services, 31, 103–108.
  • Dew, J., & Xiao, J. J. (2011). The financial management behavior scale: Development and validation. Journal of Financial Counseling and Planning, 22(1), 43–59.
  • Dittmar, H. (2005a). A new look at “compulsive buying”: Self–discrepancies and materialistic values as predictors of compulsive buying tendency. Journal of Social and Clinical Psychology, 24(6), 832–859.
  • Dittmar, H. (2005b). Compulsive buying–a growing concern? An examination of gender, age, and endorsement of materialistic values as predictors. British Journal of Psychology, 96(4), 467–491.
  • Durmuşkaya, S., & Kavas, Y. (2018). Akademik gelişim ve finansal okuryazarlık arasındaki ilişkinin tespiti üzerine bir araştırma. Yönetim ve Ekonomi: Celal Bayar Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi, 3, 925–939.
  • Durna, U. (2004). Stres, A ve B tipi kişilik yapısı ve bunlar arasındaki ilişki üzerine bir araştırma. Yönetim ve Ekonomi: Celal Bayar Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi, 11(1), 191–206.
  • Durna, U. (2005). A tipi ve B tipi kişilik yapilari ve bu kişilik yapilarini etkileyen faktörlerle ilgili bir araştirma. Atatürk Üniversitesi İktisadi ve İdari Bilimler Dergisi, 19(1), 275–290.
  • Erciş, A., Deligöz, K., & Mutlu, M. (2021). Öğrencilerin FoMo ve plansız satın alma davranışları üzerine bir uygulama. Ataturk University Journal of Economics and Administrative Sciences, 35(1), 219–243.
  • Faber, R. J., & O’guinn, T. C. (1992). A clinical screener for compulsive buying. Journal of Consumer Research, 19(3), 459–469.
  • Faber, R. J., & O’Guinn, T. C. (1988). Compulsive consumption and credit abuse. Journal of Consumer Policy, 11(1), 97–109.
  • Fenton-O’Creevy, M., Dibb, S., & Furnham, A. (2018). Antecedents and consequences of chronic impulsive buying: Can impulsive buying be understood as dysfunctional self-regulation? Psychology and Marketing, 35(3), 175–188.
  • Fenton‐O’Creevy, M., & Furnham, A. (2020). Money attitudes, personality and chronic impulse buying. Applied Psychology, 69(4), 1557–1572.
  • Fessler, P., Silgoner, M., & Weber, R. (2020). Financial knowledge, attitude and behavior: evidence from the Austrian Survey of Financial Literacy. Empirica, 47(4), 929–947.
  • Finke, M. S., Howe, J. S., & Huston, S. J. (2017). Old age and the decline in financial literacy. Management Science, 63(1), 213–230.
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  • Maccarrone‐Eaglen, A., & Schofield, P. (2018). A cross‐cultural and cross‐gender analysis of compulsive buying behavior’s core dimensions. International Journal of Consumer Studies, 42(1), 173–185.
  • Mitchell, O. S., Lusardi, A., & Curto, V. (2009). Financial literacy among the young: Evidence and implications for consumer policy. In Pension Research Council WP (Vol. 9).
  • Montano, D. E., & Kasprzyk, D. (2015). Theory of reasoned action, theory of planned behavior, and the integrated behavioral model. Health Behavior: Theory, Research and Practice, 70(4), 97.
  • Mueller, A., Mitchell, J. E., Crosby, R. D., Gefeller, O., Faber, R. J., Martin, A., Bleich, S., Glaesmer, H., Exner, C., & de Zwaan, M. (2010). Estimated prevalence of compulsive buying in Germany and its association with sociodemographic characteristics and depressive symptoms. Psychiatry Research, 180(2–3), 137–142.
  • Neuner, M., Raab, G., & Reisch, L. A. (2005a). Compulsive buying as a consumer policy issue in East and West Germany. In Consumers, Policy and the Environment A Tribute to Folke Ölander (pp. 89–114). Springer.
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  • Norum, P. S. (2008). The role of time preference and credit card usage in compulsive buying behavior. International Journal of Consumer Studies, 32(3), 269–275.
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  • Pirog, S. F., & Roberts, J. A. (2007). Personality and credit card misuse among college students: The mediating role of impulsiveness. Journal of Marketing Theory and Practice, 15(1), 65–77.
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  • Yildirim, E., & Pirende, G. (2019). Hediye satın alma davranışının A ve B tipi kişilik özelliği açısından incelenmesi. Uluslararası Yönetim İktisat ve İşletme Dergisi, 15(1), 309–327.
Toplam 83 adet kaynakça vardır.

Ayrıntılar

Birincil Dil İngilizce
Konular Finans, İşletme
Bölüm Makaleler
Yazarlar

Mehmet Ali Paylan 0000-0002-6739-2649

Yusuf Bahadır Kavas 0000-0002-4838-7318

Erken Görünüm Tarihi 19 Temmuz 2022
Yayımlanma Tarihi 24 Temmuz 2022
Gönderilme Tarihi 23 Mart 2022
Yayımlandığı Sayı Yıl 2022Cilt: 23 Sayı: 3

Kaynak Göster

APA Paylan, M. A., & Kavas, Y. B. (2022). A Study on the Mediating Effect of Financial Literacy Between Personality Traits and Irrational Buying Behaviors. Cumhuriyet Üniversitesi İktisadi Ve İdari Bilimler Dergisi, 23(3), 736-746. https://doi.org/10.37880/cumuiibf.1092137

Cited By

Youth, money, and behavior: the impact of financial literacy programs
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https://doi.org/10.3389/feduc.2024.1397060
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