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Journals / Ankara Üniversitesi SBF Dergisi / 2026 / Cilt: 81 Sayı: 3

Measurement of the Household’s Financial Distress and Well-Being in Türkiye

Türkiye’de Hanehalkının Finansal Sıkıntı ve Refahının Ölçülmesi

Bahan Yenilmez(ANKARA ÜNİVERSİTESİ, SİYASAL BİLGİLER FAKÜLTESİ)0000-0002-8514-7276
Pages
533–571
Publication Date
2026-09-14
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AI Summary & Key Takeaways

AI Insight
⚡ TL;DR(Too Long; Didn't Read)

The findings indicate significant differences in financial distress and financial well-being across the demographic variables examined.

📌 3 Key Takeaways

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Objective & Hypothesis:This study aims to measure financial distress and financial well-being among households in Türkiye using the Financial Distress and Financial Well-Being Scale developed by the InCharge Education Foundation and to examine differences across demographic characteristics.
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Key Findings & Data:The findings indicate significant differences in financial distress and financial well-being across the demographic variables examined.
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Conclusion & Impact:Higher education and household income levels were associated with lower financial distress and greater financial well-being.
🔬Design:Araştırma Makalesi
📍Scope:Comprehensive Sample
⚙️Variables:Finansal sıkıntı · Finansal refah · Hanehalkı

Abstract

This study aims to measure financial distress and financial well-being among households in Türkiye using the Financial Distress and Financial Well-Being Scale developed by the InCharge Education Foundation and to examine differences across demographic characteristics. Independent-samples t-tests, one-way ANOVA, and LSD post hoc tests were employed to analyze variations by gender, age, employer, occupation, marital status, health insurance provider, education level, parental education, and monthly household income. The findings indicate significant differences in financial distress and financial well-being across the demographic variables examined. Male participants reported lower financial distress and higher financial well-being than females. Financial distress decreased with age, whereas financial well-being increased. Lawyers, academics, workers, physicians, engineers, self-employed individuals, and retirees exhibited more favorable financial well-being outcomes than teachers and civil servants. Married individuals reported lower financial distress and higher financial well-being than singles. Higher education and household income levels were associated with lower financial distress and greater financial well-being.

Özet

Bu çalışmanın amacı, InCharge Eğitim Vakfı tarafından geliştirilen Finansal Sıkıntı ve Finansal Refah Ölçeği kullanılarak Türkiye’deki hanehalklarının finansal sıkıntı ve finansal refah düzeylerini ölçmek ve bu düzeylerin demografik özelliklere göre farklılaşıp farklılaşmadığını incelemektir. Araştırmada, cinsiyet, yaş, çalışılan kurum, meslek, medeni durum, sağlık sigortası kurumu, eğitim düzeyi, ebeveynlerin eğitim düzeyi ve aylık hanehalkı gelirine göre farklılıkları belirlemek amacıyla bağımsız örneklemler t-testi, tek yönlü varyans analizi (ANOVA) ve LSD çoklu karşılaştırma testi kullanılmıştır. Bulgular, finansal sıkıntı ve finansal refah düzeylerinin incelenen demografik değişkenlere göre anlamlı farklılık gösterdiğini ortaya koymaktadır. Erkekler kadınlara göre daha düşük finansal sıkıntı ve daha yüksek finansal refah bildirmiştir. Yaş arttıkça finansal sıkıntı azalırken finansal refah yükselmektedir. Avukat, akademisyen, işçi, doktor, mühendis, esnaf ve emekliler; öğretmen ve memurlara kıyasla daha olumlu finansal refah göstergelerine sahiptir. Evli bireyler bekârlara göre daha düşük finansal sıkıntı ve daha yüksek finansal refah düzeyi göstermektedir. Eğitim ve gelir düzeyindeki artış ise finansal sıkıntının azalması ve finansal refahın artmasıyla ilişkilidir.

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Cite This Article

Yenilmez, B. (2026). Measurement of the Household’s Financial Distress and Well-Being in Türkiye. Ankara Üniversitesi SBF Dergisi, Cilt: 81 Sayı: 3, 533–571. https://doi.org/10.33630/ausbf.1666094

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