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Journals / İşletme Araştırmaları Dergisi / 2018 / Cilt: 10 - Sayı: 4

Time Preference, Delay of Gratification and Private Pension Decision

Zaman Tercihi, Hazzın Ertelenmesi ve Bireysel Emeklilik Kararları

Cüneyt Can İŞCAN
Aslı Elif AYDIN
Pages
443–458
DOI
—
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AI Summary & Key Takeaways

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

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.

📌 3 Key Takeaways

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Objective & Hypothesis: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.
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Key Findings & Data: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.
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Conclusion & Impact: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.
🔬Design:Research Article
📍Scope:Comprehensive Sample
⚙️Variables:Domain Parameters

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.

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.

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Cite This Article

İŞCAN, C. C., AYDIN, A. E. (2018). Time Preference, Delay of Gratification and Private Pension Decision. İşletme Araştırmaları Dergisi, Cilt: 10 - Sayı: 4, 443–458. https://ajindex.com/articles/269487

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