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Hanehalkı finansal katılımını etkileyen faktörler

Yıl 2023, Cilt: 16 Sayı: 1, 265 - 276, 31.01.2023
https://doi.org/10.25287/ohuiibf.1199662

Öz

Ülkelerin yoksulluğu azaltması ve sürdürülebilir ekonomik kalkınması için bir ön koşul olarak görülen finansal katılım, çeşitlendirilmiş ürün ve hizmetlerle finansal sektörlerini geliştirmeye yönelik adımlar için ana aktör haline gelmiştir. Dünya genelinde resmi finansal hizmetlere yeterli erişim sağlayamayan bireylerin finansal sisteme entegre olmalarına yönelik bir olgu olması finansal katılımı önemli kılmaktadır. Bu nedenle finansal katılım makroekonomik değişkenlerle ilişkili olduğu kadar özellikle bireysel düzeyde değişikliklerle de sıkı bir ilişki içerisindedir. Tüm bu nedenlerle, bu çalışmada, hanehalklarının finansal katılımı mikro boyutta nelerin şekillendirdiğinin ve finansal katılım tercihlerine etki eden sosyoekonomik faktörlerin tespit edilmesi amaçlanmaktadır. Bu amaç doğrultusunda öncelikle temel bileşen analizi (PCA) ile Türkiye özelinde finansal katılım indeksini oluşturulmuştur. Elde edilen indeks üzerinden hanehalklarının finansal katılımına etki eden faktörler Türkiye İstatistik Kurumu (TÜİK) tarafından sağlanan 2019 yılı Hanehalkı Bütçe Anketi Mikro veri seti yardımıyla genelleştirilmiş sıralı logit modeli kullanılarak tahmin edilmiştir. Çalışmadan elde edilen bulgular doğrultusunda finansal katılıma etki eden en önemli faktörlerin sırasıyla eğitim seviyesi, harcama düzeyi ve internet üzerinden alışveriş yapma durumu olduğu sonucuna ulaşılırken, özellikle riske karşı tutumun finansal tercihlerle ilişkili olması hanelerin risk yapısını finansal katılım üzerinde önemli kılmaktadır.

Kaynakça

  • Balliester Reis, T. (2022). Socio‐economic determinants of financial inclusion: An evaluation with a microdata multidimensional index. Journal of International Development, 34(3), 587-611.
  • Canatan, B. & İpek, E. (2022). Konut kira değerine etki eden faktörlerin incelenmesi. Ö. İpek (Ed.), İktisat ve finansta makine öğrenmesi kitabı içinde (s.97-116). Gazi Kitabevi.
  • Churchill, S. A., & Marisetty, V. B. (2020). Financial inclusion and poverty: A tale of forty-five thousand households. Applied Economics, 52(16), 1777-1788.
  • Churchill, S. A., Nuhu, A. S., & Smyth, R. (2020). Financial inclusion and poverty: Micro-level evidence from Nigeria. In Moving from the Millennium to the Sustainable Development Goals, (11-36).
  • Cyrenne, P., & Chan, A. (2022). The determinants of student success in university: A generalized ordered logit approach. Canadian Journal of Higher Education/Revue Canadienne D'enseignement Supérieur, 52(1), 83-107.
  • Çam, A. V., Ayaydın, H., & Kalkan, Y. (2018). Bireylerin finansal katılım ve finansal bilgi düzeylerinin tespiti: Erzurum ili örneği. Global Journal of Economics and Business Studies, 7(13), 1-7.
  • Doğan, E., Madaleno, M., & Taskin, D. (2021). Which households are more energy vulnerable? Energy poverty and financial inclusion in Turkey. Energy Economics, 105306.
  • Doğan, E., Madaleno, M., & Taskin, D. (2022). Financial inclusion and poverty: Evidence from Turkish household survey data. Applied Economics, 54(19), 2135-2147.
  • Eling, M., Ghavibazoo, O., & Hanewald, K. (2021). Willingness to take financial risks and insurance holdings: A European survey. Journal of Behavioral and Experimental Economics, 95, 101781.
  • Embaye, W. T., Zereyesus, Y. A. & Chen, B. (2021). Predicting the rental value of houses in household surveys in Tanzania, Uganda and Malawi: Evaluations of hedonic pricing and machine learning approaches. Plos one, 16(2).
  • Evans O. & Adeoye B. (2016). Determinants of financial inclusion in Africa: A dynamic panel data approach. Univ Maurit Res, 22:310.
  • García-Herrer A, & Turégano DM. (2015). Financial inclusion, rather than size, is the key to tackling income inequality. , 15/05.
  • Habib, N., Alauddin, M., Cramb, R., & Rankin, P. (2022). A differential analysis for men and women's determinants of livelihood diversification in rural rain-fed region of Pakistan: An ordered logit model (OLOGIT) approach. Social Sciences & Humanities Open, 5(1), 100257.
  • Hwang, I. D. (2022). Behavioral aspects of household portfolio choice: Effects of loss aversion on life insurance uptake and savings. SSRN Electronic Journal, 2924196.
  • İpek, Ö. (2021). Türkiye’de hanehalkı portföy tercihine etki eden faktörler. Yaşar Üniversitesi E-Dergisi, 16(64), 1575-1591.
  • Jabir MI, Mensah L. & Gyeke-Dako A. (2017). Financial inclusion and poverty reduction in sub-Saharan Africa. African Finance Journal, 19(1), 1-22.
  • Kaviti, S., & Venigalla, M. M. (2019). Assessing service and price sensitivities, and pivot elasticities of public bikeshare system users through monadic design and ordered logit regression. Transportation Research Interdisciplinary Perspectives, 1, 100015.
  • Kim, D. W., Yu, J. S., & Hassan, M. K. (2018). Financial inclusion and economic growth in OIC countries. Research in International Business and Finance, 43, 1-14.
  • Koomson, I., & Danquah, M. (2021). Financial inclusion and energy poverty: Empirical evidence from Ghana. Energy Economics, 94, 105085.
  • Koomson, I., Villano, R. A., & Hadley, D. (2020). Effect of financial inclusion on poverty and vulnerability to poverty: Evidence using a multidimensional measure of financial inclusion. Social Indicators Research, 149(2), 613-639.
  • Le, T. H., Kim, J., & Lee, M. (2016). Institutional quality, trade openness, and financial sector development in Asia: An empirical investigation. Emerging Markets Finance and Trade, 52(5), 1047-1059.
  • Le, T. H., Chuc, A. T., & Taghizadeh-Hesary, F. (2019). Financial inclusion and its impact on financial efficiency and sustainability: Empirical evidence from Asia. Borsa Istanbul Review, 19(4), 310-322.
  • Malik, A. H., bin Md Isa, A. H., bin Jais, M., Rehman, A. U., & Khan, M. A. (2022). Financial stability of Asian Nations: Governance quality and financial inclusion. Borsa Istanbul Review, 22(2), 377-387.
  • Nandru, P., Byram, A., & Rentala, S. (2016). Determinants of financial inclusion: Evidence from account ownership and use of banking services. International Journal of Entrepreneurship and Development Studies, 4(2), 141-155.
  • Ömer, M. A., & Inaba, K. (2020). Does financial inclusion reduce poverty and income inequality in developing countries? A panel data analysis. Journal of economic structures, 9(1), 1-25.
  • Park C, & Mercado RV. (2015). Financial inclusion, poverty, and income inequality in developing Asia. ADB Economics Working Paper Series, 426/2015
  • Park, C, & Mercado RV. (2018). Financial inclusion: New measurement and cross-country impact assessment. ADB Economics Working Paper Series, 539/2018.
  • Pradhan, RP, Arvin, MB, Nair, MS, Hall, JH & Bennett, SE (2021). Sustainable economic development in India: The dynamics between financial inclusion, ICT development, and economic growth. Technological Forecasting and Social Change, 169, 120758.
  • Rahimyar, A. M., & Çürük, S. A. (2021). Finansal içerme düzeyi ve belirleyicileri üzerine ampirik bir araştırma: Türkiye örneği. PressAcademia Procedia, 12(1), 92-94.
  • Rao, S., & Malapit, H. J. L. (2015). Gender, household structure and financial participation in the United States. Journal of Family and Economic Issues, 36(4), 606-620.
  • Rojas-Suarez L, & Amado MA (2014). Understanding Latin America’s Financial Inclusion Gap. Center for Global Development Working Paper, 367.
  • Salazar-Cantú J, Jaramillo-Garza J. & Rosa BÁ. (2015). Financial inclusion and income inequality in Mexican Municipalities. Open Journal of Social Sciences, 3(12), 29.
  • Sethi, D., & Acharya, D. (2018). Financial inclusion and economic growth linkage: Some cross country evidence. Journal of Financial Economic Policy.
  • Wane, A., Dione, M., Wieland, B., Rich, K. M., Yena, A. S., & Fall, A. (2020). Willingness to vaccinate (WTV) and willingness to pay (WTP) for vaccination against peste des petits ruminants (PPR) in Mali. Frontiers in Veterinary Science, 6, 488.
  • Wu, T. (2021). Quantifying coastal flood vulnerability for climate adaptation policy using principal component analysis. Ecological Indicators, 129, 108006.
  • Xie, X., Tong, Z., & Xu, S. (2022). Risk attitudes and household consumption behavior: Evidence from China. Frontiers in Public Health, 10.
  • Zhang, Q., & Posso, A. (2019). Thinking inside the box: A closer look at financial inclusion and household income. The Journal of Development Studies, 55(7), 1616-1631.
  • Zins, A., & Weill, L. (2016). The determinants of financial inclusion in Africa. Review of Development Finance, 6(1), 46-57.
  • Zulfiqar, K., Chaudhary, M. A., & Aslam, A. (2016). Financial inclusion and its implications for inclusive growth in Pakistan. Pakistan Economic and Social Review, 54(2), 297-325.

Factors affecting household financial participation

Yıl 2023, Cilt: 16 Sayı: 1, 265 - 276, 31.01.2023
https://doi.org/10.25287/ohuiibf.1199662

Öz

Financial participation, which is seen as a prerequisite for poverty reduction and sustainable development, has become the main actor in the steps of countries to develop their financial sectors with diversified products and services. The fact that individuals who cannot provide adequate access to official financial services around the world are integrated into the financial system makes financial participation important. For this reason, financial participation is closely related to macroeconomic variables as well as micro-level changes. For all these reasons, in this study, it is aimed to determine what shapes households' financial participation at the micro level and socioeconomic factors that affect their financial participation preferences. For this purpose, first of all, the financial participation index for Turkey was created by principal component analysis (PCA). The factors affecting the financial participation of households through the index obtained were estimated using the generalized ordered logit model with the help of the 2019 Household Budget Survey Micro data set provided by the Turkstat. We found that the most important factors affecting financial participation are education level, spending level, and online shopping status. Moreover especially the fact that the attitude towards risk is related to financial preferences makes the risk structure of households important in financial participation.

Kaynakça

  • Balliester Reis, T. (2022). Socio‐economic determinants of financial inclusion: An evaluation with a microdata multidimensional index. Journal of International Development, 34(3), 587-611.
  • Canatan, B. & İpek, E. (2022). Konut kira değerine etki eden faktörlerin incelenmesi. Ö. İpek (Ed.), İktisat ve finansta makine öğrenmesi kitabı içinde (s.97-116). Gazi Kitabevi.
  • Churchill, S. A., & Marisetty, V. B. (2020). Financial inclusion and poverty: A tale of forty-five thousand households. Applied Economics, 52(16), 1777-1788.
  • Churchill, S. A., Nuhu, A. S., & Smyth, R. (2020). Financial inclusion and poverty: Micro-level evidence from Nigeria. In Moving from the Millennium to the Sustainable Development Goals, (11-36).
  • Cyrenne, P., & Chan, A. (2022). The determinants of student success in university: A generalized ordered logit approach. Canadian Journal of Higher Education/Revue Canadienne D'enseignement Supérieur, 52(1), 83-107.
  • Çam, A. V., Ayaydın, H., & Kalkan, Y. (2018). Bireylerin finansal katılım ve finansal bilgi düzeylerinin tespiti: Erzurum ili örneği. Global Journal of Economics and Business Studies, 7(13), 1-7.
  • Doğan, E., Madaleno, M., & Taskin, D. (2021). Which households are more energy vulnerable? Energy poverty and financial inclusion in Turkey. Energy Economics, 105306.
  • Doğan, E., Madaleno, M., & Taskin, D. (2022). Financial inclusion and poverty: Evidence from Turkish household survey data. Applied Economics, 54(19), 2135-2147.
  • Eling, M., Ghavibazoo, O., & Hanewald, K. (2021). Willingness to take financial risks and insurance holdings: A European survey. Journal of Behavioral and Experimental Economics, 95, 101781.
  • Embaye, W. T., Zereyesus, Y. A. & Chen, B. (2021). Predicting the rental value of houses in household surveys in Tanzania, Uganda and Malawi: Evaluations of hedonic pricing and machine learning approaches. Plos one, 16(2).
  • Evans O. & Adeoye B. (2016). Determinants of financial inclusion in Africa: A dynamic panel data approach. Univ Maurit Res, 22:310.
  • García-Herrer A, & Turégano DM. (2015). Financial inclusion, rather than size, is the key to tackling income inequality. , 15/05.
  • Habib, N., Alauddin, M., Cramb, R., & Rankin, P. (2022). A differential analysis for men and women's determinants of livelihood diversification in rural rain-fed region of Pakistan: An ordered logit model (OLOGIT) approach. Social Sciences & Humanities Open, 5(1), 100257.
  • Hwang, I. D. (2022). Behavioral aspects of household portfolio choice: Effects of loss aversion on life insurance uptake and savings. SSRN Electronic Journal, 2924196.
  • İpek, Ö. (2021). Türkiye’de hanehalkı portföy tercihine etki eden faktörler. Yaşar Üniversitesi E-Dergisi, 16(64), 1575-1591.
  • Jabir MI, Mensah L. & Gyeke-Dako A. (2017). Financial inclusion and poverty reduction in sub-Saharan Africa. African Finance Journal, 19(1), 1-22.
  • Kaviti, S., & Venigalla, M. M. (2019). Assessing service and price sensitivities, and pivot elasticities of public bikeshare system users through monadic design and ordered logit regression. Transportation Research Interdisciplinary Perspectives, 1, 100015.
  • Kim, D. W., Yu, J. S., & Hassan, M. K. (2018). Financial inclusion and economic growth in OIC countries. Research in International Business and Finance, 43, 1-14.
  • Koomson, I., & Danquah, M. (2021). Financial inclusion and energy poverty: Empirical evidence from Ghana. Energy Economics, 94, 105085.
  • Koomson, I., Villano, R. A., & Hadley, D. (2020). Effect of financial inclusion on poverty and vulnerability to poverty: Evidence using a multidimensional measure of financial inclusion. Social Indicators Research, 149(2), 613-639.
  • Le, T. H., Kim, J., & Lee, M. (2016). Institutional quality, trade openness, and financial sector development in Asia: An empirical investigation. Emerging Markets Finance and Trade, 52(5), 1047-1059.
  • Le, T. H., Chuc, A. T., & Taghizadeh-Hesary, F. (2019). Financial inclusion and its impact on financial efficiency and sustainability: Empirical evidence from Asia. Borsa Istanbul Review, 19(4), 310-322.
  • Malik, A. H., bin Md Isa, A. H., bin Jais, M., Rehman, A. U., & Khan, M. A. (2022). Financial stability of Asian Nations: Governance quality and financial inclusion. Borsa Istanbul Review, 22(2), 377-387.
  • Nandru, P., Byram, A., & Rentala, S. (2016). Determinants of financial inclusion: Evidence from account ownership and use of banking services. International Journal of Entrepreneurship and Development Studies, 4(2), 141-155.
  • Ömer, M. A., & Inaba, K. (2020). Does financial inclusion reduce poverty and income inequality in developing countries? A panel data analysis. Journal of economic structures, 9(1), 1-25.
  • Park C, & Mercado RV. (2015). Financial inclusion, poverty, and income inequality in developing Asia. ADB Economics Working Paper Series, 426/2015
  • Park, C, & Mercado RV. (2018). Financial inclusion: New measurement and cross-country impact assessment. ADB Economics Working Paper Series, 539/2018.
  • Pradhan, RP, Arvin, MB, Nair, MS, Hall, JH & Bennett, SE (2021). Sustainable economic development in India: The dynamics between financial inclusion, ICT development, and economic growth. Technological Forecasting and Social Change, 169, 120758.
  • Rahimyar, A. M., & Çürük, S. A. (2021). Finansal içerme düzeyi ve belirleyicileri üzerine ampirik bir araştırma: Türkiye örneği. PressAcademia Procedia, 12(1), 92-94.
  • Rao, S., & Malapit, H. J. L. (2015). Gender, household structure and financial participation in the United States. Journal of Family and Economic Issues, 36(4), 606-620.
  • Rojas-Suarez L, & Amado MA (2014). Understanding Latin America’s Financial Inclusion Gap. Center for Global Development Working Paper, 367.
  • Salazar-Cantú J, Jaramillo-Garza J. & Rosa BÁ. (2015). Financial inclusion and income inequality in Mexican Municipalities. Open Journal of Social Sciences, 3(12), 29.
  • Sethi, D., & Acharya, D. (2018). Financial inclusion and economic growth linkage: Some cross country evidence. Journal of Financial Economic Policy.
  • Wane, A., Dione, M., Wieland, B., Rich, K. M., Yena, A. S., & Fall, A. (2020). Willingness to vaccinate (WTV) and willingness to pay (WTP) for vaccination against peste des petits ruminants (PPR) in Mali. Frontiers in Veterinary Science, 6, 488.
  • Wu, T. (2021). Quantifying coastal flood vulnerability for climate adaptation policy using principal component analysis. Ecological Indicators, 129, 108006.
  • Xie, X., Tong, Z., & Xu, S. (2022). Risk attitudes and household consumption behavior: Evidence from China. Frontiers in Public Health, 10.
  • Zhang, Q., & Posso, A. (2019). Thinking inside the box: A closer look at financial inclusion and household income. The Journal of Development Studies, 55(7), 1616-1631.
  • Zins, A., & Weill, L. (2016). The determinants of financial inclusion in Africa. Review of Development Finance, 6(1), 46-57.
  • Zulfiqar, K., Chaudhary, M. A., & Aslam, A. (2016). Financial inclusion and its implications for inclusive growth in Pakistan. Pakistan Economic and Social Review, 54(2), 297-325.
Toplam 39 adet kaynakça vardır.

Ayrıntılar

Birincil Dil Türkçe
Bölüm Makaleler
Yazarlar

Behice Canatan 0000-0001-9588-386X

Ozlem Ipek 0000-0002-3711-3258

Yayımlanma Tarihi 31 Ocak 2023
Gönderilme Tarihi 6 Kasım 2022
Kabul Tarihi 25 Aralık 2022
Yayımlandığı Sayı Yıl 2023 Cilt: 16 Sayı: 1

Kaynak Göster

APA Canatan, B., & Ipek, O. (2023). Hanehalkı finansal katılımını etkileyen faktörler. Ömer Halisdemir Üniversitesi İktisadi Ve İdari Bilimler Fakültesi Dergisi, 16(1), 265-276. https://doi.org/10.25287/ohuiibf.1199662
Creative Commons Lisansı
Ömer Halisdemir Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi Creative Commons Atıf-GayriTicari-AynıLisanslaPaylaş 4.0 Uluslararası Lisansı ile lisanslanmıştır.