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Journals / Namık Kemal Üniversitesi Sosyal Bilimler Meslek Yüksek Okulu Dergisi / 2026 / Cilt: 8 Sayı: 2

Determining Household Savings Preferences: The Case of Türkiye

Hanehalkı Tasarruf Tercihlerinin Belirlenmesi: Türkiye Örneği

Mücella Bursal(Sivas Cumhuriyet Üniversitesi)0000-0003-2744-355X
Pages
137–153
Publication Date
2026-10-30
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AI Summary & Key Takeaways

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

These results are informative for policymakers.

📌 3 Key Takeaways

🎯
Objective & Hypothesis:This study examines the socio-demographic factors that influence household saving preferences in Türkiye.
📊
Key Findings & Data:A multinomial logit model was used to analyse data from 3354 households with complete information in the Turkish Statistical Institute’s 2020 Household Budget Survey micro-dataset.
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Conclusion & Impact:These results are informative for policymakers.
🔬Design:Survey & Empirical Study
📍Scope:2020 Verileri
⚙️Variables:Multinomial Logit · Tasarruf tercihleri · Türkiye

Abstract

This study examines the socio-demographic factors that influence household saving preferences in Türkiye. A multinomial logit model was used to analyse data from 3354 households with complete information in the Turkish Statistical Institute’s 2020 Household Budget Survey micro-dataset. Savings preferences were categorized into four groups: real estate, gold/foreign currency, bank accounts, and capital market instruments. The findings suggest that families with children are more likely to prefer real estate and capital market instruments, while families without children are less likely to choose gold or foreign currency and bank accounts. Spending amount did not significantly affect preferences for real estate or gold/foreign currency but increased the likelihood of choosing a bank account and decreased the likelihood of choosing capital market instruments. Tenants were more likely to prefer gold, foreign currency, bank accounts, and capital market instruments, while homeowners tended to prefer real estate. Those with private insurance preferred capital market instruments, while those without preferred real estate, gold, foreign currency, and bank accounts. As household size increased, the likelihood of choosing real estate or gold/foreign currency increased, while the likelihood of having a bank account decreased. These results are informative for policymakers.

Özet

Bu çalışma, Türkiye’de hanehalkının tasarruf tercihlerini etkileyen sosyo-demografik faktörleri incelemeyi amaçlamaktadır. Araştırmada, TÜİK 2020 yılı Hanehalkı Bütçe Anketi Mikro Veri Seti’deki ilgili verileri eksiksiz olan 3354 haneye ait veriler multinomial logit model yoluyla analiz edilmiştir. Tasarruf tercihleri; gayrimenkul, altın/döviz, banka hesabı ve sermaye piyasası araçları olmak üzere dört kategoride ele alınmıştır. Bulgulara göre; çocuklu ailelerde gayrimenkul ve sermaye piyasası araçlarını tercih etme ihtimali yüksekken, çocuksuz ailelerde altın/döviz ve banka hesabı seçme ihtimali daha düşüktür. Harcama tutarı gayrimenkul veya altın/döviz tercihlerini anlamlı şekilde etkilemezken, banka hesabı seçme ihtimalini artırmakta, sermaye piyasası araçlarına yönelme ihtimalini ise azaltmaktadır. Kiracıların altın, döviz, banka hesabı ve sermaye piyasası araçlarını tercih etme ihtimali yüksekken, ev sahiplerinde gayrimenkul tercihi ön plana çıkmaktadır. Özel sigorta sahipleri sermaye piyasası araçlarına yönelirken, sigortası olmayanlar gayrimenkul, altın/döviz ve banka hesabını tercih etmektedir. Hanehalkı büyüklüğü arttıkça gayrimenkul ve altın/döviz seçme ihtimali yükselmekte, banka hesabı ihtimali ise azalmaktadır. Sonuçlar, politika yapıcılar için yol gösterici niteliktedir.

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Cite This Article

Bursal, M. (2026). Determining Household Savings Preferences: The Case of Türkiye. Namık Kemal Üniversitesi Sosyal Bilimler Meslek Yüksek Okulu Dergisi, Cilt: 8 Sayı: 2, 137–153. https://doi.org/10.56493/nkusbmyo.2026779

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