Zaman tercihi, hazzın ertelenmesi ve bireysel emeklilik kararları
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Dosyalar
Tarih
2018
Yazarlar
Dergi Başlığı
Dergi ISSN
Cilt Başlığı
Yayıncı
İşletme Araştırmaları Dergisi
Erişim Hakkı
info:eu-repo/semantics/openAccess
Özet
ÖZET: Bu çalışmanın amacı, bireylerin zaman tercihlerinin ve hazzı erteleme becerilerinin bireysel emeklilik planlarına katılma eğilimlerine nasıl etki ettiklerini incelemektir. Zaman tercihinin ele alındığı çalışmada gelecek zaman odaklı olan bireylerin bireysel emeklilik planına dâhil olma ihtimalinin arttığı görülmüştür. Ayrıca medeni hal ile bireysel emeklilik planına sahip olma arasında sınırda anlamlılık düzeyinde bir ilişki saptanmıştır. Bireylerin hazzı erteleme becerilerinin incelendiğinde ise çocukken para biriktirme ile yetişkinlikte harcanabilir bir gelir elde edinilince biriktirme arasında anlamlı bir ilişki bulunmuştur. Ancak çocukluklarında birikim yapan ve yapamayan katılımcıların bireysel emeklilik sistemine dair yaklaşımlarında kayda değer bir fark bulunamamıştır.
ABSTRACT: The purpose of this study is to examine how individuals’ time preferences and their delay of gratification skills affect their tendency to participate in individual pension schemes. In the study addressing the time preference construct, it is demonstrated that the likelihood to participate in private pension system increases as individuals dispositionally focused more on the future time. In addition, a significant relationship between marital status and having an individual pension plan was showed. Furthermore, when the delay of gratification skills of individuals is examined, a significant relationship between saving money as a child and saving as an adult with disposable income was found. However, there was no significant difference in the approach towards the private pension system of participants who did and did not save money during their childhood.
ABSTRACT: The purpose of this study is to examine how individuals’ time preferences and their delay of gratification skills affect their tendency to participate in individual pension schemes. In the study addressing the time preference construct, it is demonstrated that the likelihood to participate in private pension system increases as individuals dispositionally focused more on the future time. In addition, a significant relationship between marital status and having an individual pension plan was showed. Furthermore, when the delay of gratification skills of individuals is examined, a significant relationship between saving money as a child and saving as an adult with disposable income was found. However, there was no significant difference in the approach towards the private pension system of participants who did and did not save money during their childhood.
Açıklama
Anahtar Kelimeler
Bireysel emeklilik, Zaman Tercihi, Hazzın Ertelenmesi, Türkiye, Private pension, time preference, delay of gratification, Turkey
Kaynak
İşletme Araştırmaları Dergisi
