REASONS FOR PREFERENCE OF THE SAVING FINANCE SYSTEM

Mehmet Bükey; Yavuz Türkan

Makale detayları

REASONS FOR PREFERENCE OF THE SAVING FINANCE SYSTEM

Yazarlar:

Mehmet Bükey | Yavuz Türkan

Yayıncı:

Dicle University

Dergi:

Dicle Üniversitesi Sosyal Bilimler Enstitüsü Dergisi Issue 33, pp.336-357

Belge Tipi:

Makale

Yayın Tarihi:

6/2023

Belge Dili:

Türkçe

Document ID (Org No.):

2001291750

pISSN:

1308-6219

Anahtar kelimeler:

Özet:

 In this study, the reasons for preference of the Savings Financing System were tried to be determined. The relationship between the demographic and socio-economic variables of the participants and the reasons for preferring the system was investigated in order to determine the factors affecting the preference of the savings finance system operated in an interest-free manner. In this context, a survey was applied to 384 participants who preferred the savings financing system in the TRB1 Region, where Savings Financing Companies operate, and the data collected from the survey was analyzed with the SPSS 23 program. In previous studies, the interest-free system took the first place among the reasons for preference. However, in this study, although the main factor is that the system is interest-free, the attractive payment terms, which are included in the cost factor, took the first place among the reasons for preference. This situation shows that the changing economic and social conditions affect the preferences.

 In this study, the reasons for preference of the Savings Financing System were tried to be determined. The relationship between the demographic and socio-economic variables of the participants and the reasons for preferring the system was investigated in order to determine the factors affecting the preference of the savings finance system operated in an interest-free manner. In this context, a survey was applied to 384 participants who preferred the savings financing system in the TRB1 Region, where Savings Financing Companies operate, and the data collected from the survey was analyzed with the SPSS 23 program. In previous studies, the interest-free system took the first place among the reasons for preference. However, in this study, although the main factor is that the system is interest-free, the attractive payment terms, which are included in the cost factor, took the first place among the reasons for preference. This situation shows that the changing economic and social conditions affect the preferences.

 In this study, the reasons for preference of the Savings Financing System were tried to be determined. The relationship between the demographic and socio-economic variables of the participants and the reasons for preferring the system was investigated in order to determine the factors affecting the preference of the savings finance system operated in an interest-free manner. In this context, a survey was applied to 384 participants who preferred the savings financing system in the TRB1 Region, where Savings Financing Companies operate, and the data collected from the survey was analyzed with the SPSS 23 program. In previous studies, the interest-free system took the first place among the reasons for preference. However, in this study, although the main factor is that the system is interest-free, the attractive payment terms, which are included in the cost factor, took the first place among the reasons for preference. This situation shows that the changing economic and social conditions affect the preferences.

 Bu çalışmada, ülkemizde uzun yıllar faizsiz bir şekilde farklı isimler altında uygulanan, 6361 sayılı kanunda yapılan değişiklikle tek isim altında yasallaştırılan Tasarruf Finansman Sisteminin tercih nedenleri belirlenmeye çalışılmıştır. Tasarruf finansman sistemi tercihine etki eden faktörleri tespit etmek amacıyla katılımcıların demografik ve sosyo-ekonomik değişkenleri ile sistemi tercih etme nedenleri arasındaki ilişki araştırılmıştır. Bu kapsamda, Tasarruf Finansman Şirketlerinin faaliyette bulunduğu TRB1 Bölgesinde, tasarruf finansman sistemini tercih eden 384 katılımcıya anket uygulanmıştır. Anketten toplanan veriler, SPSS 23 programı ile analiz edilmiş ve yorumlanmıştır. Analizlerden elde edilen bulgulara göre katılımcıların tercihlerine etki eden faktörler belirlenmiştir. Daha önce yapılan çalışmalarda sistemin faizsiz olması tercih nedenleri içinde ilk sırada yer almıştır. Ancak yapılan bu çalışmada sistemin faizsiz olması baş faktör olmakla birlikte maliyet faktörü içinde yer alan ödeme koşullarının cazip olması, tercih nedenleri içinde ilk sırada yer almıştır. Elde edilen bulgular, değişen ekonomik ve sosyal şartların katılımcı tercihlerini etkilediğini, dini hassasiyet nedeniyle yoğun bir şekilde tercih edilen siteminin günümüzde maliyet unsuru nedeniyle de yoğun bir şekilde tercih edildiğini göstermektedir.

Makale detayları

REASONS FOR PREFERENCE OF THE SAVING FINANCE SYSTEM

Yazarlar:

Mehmet Bükey | Yavuz Türkan

Yayıncı:

Dicle University

Dergi:

Dicle Üniversitesi Sosyal Bilimler Enstitüsü Dergisi Issue 33, pp.336-357

Belge Tipi:

Makale

Yayın Tarihi:

6/2023

Belge Dili:

Türkçe

Document ID (Org No.):

2001291750

pISSN:

1308-6219

Savings Financing System

Interest-Free Financing

TRB1 Region.Tasarruf Finansman Sistemi

Faizsiz Finansman

TRB1 Bölgesi

Sayı

Makale detayları

REASONS FOR PREFERENCE OF THE SAVING FINANCE SYSTEM

Yazarlar: Mehmet Bükey | Yavuz Türkan

Yayıncı: Dicle University

Dergi: Dicle Üniversitesi Sosyal Bilimler Enstitüsü Dergisi Issue 33, pp.336-357

Belge Tipi: Makale

Yayın Tarihi: 6/2023

Belge Dili: Türkçe

Document ID (Org No.): 2001291750

pISSN: 1308-6219

Savings Financing System

Interest-Free Financing

TRB1 Region.Tasarruf Finansman Sistemi

Faizsiz Finansman

TRB1 Bölgesi

Sayı

Yazarlar:

Mehmet Bükey | Yavuz Türkan

Yayıncı:

Dicle University

Dergi:

Dicle Üniversitesi Sosyal Bilimler Enstitüsü Dergisi Issue 33, pp.336-357

Belge Tipi:

Makale

Yayın Tarihi:

6/2023

Belge Dili:

Türkçe

Document ID (Org No.):

2001291750

pISSN:

1308-6219