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LİSANS ÖĞRENCİLERİNİN RİSK TOLERANSI: DENEYSEL BİR ÇALIŞMA

Year 2022, Volume: 5 Issue: 1, 52 - 62, 01.04.2022
https://doi.org/10.32951/mufider.1070786

Abstract

Risk toleransı, bireyin finansal risk almaya karşı tutumudur ve bireyin risk almaya ne kadar istekli olduğunu göstermektedir. Bu çalışmada finans dersleri alan lisans öğrencilerinin risk toleransı ile yaşadıkları yer ve anne-babalarının eğitim durumu arasındaki ilişki araştırılmıştır. Bu amaç doğrultusunda literatürde Grable ve Lytton (1999) tarafından oluşturulan risk tolerans ölçeği bankacılık ve finans bölümü öğrencilerine uygulanmıştır. Elde edilen veriler SPSS programında Ki-Kare analizi ile test edilmiştir. Çalışmada babanın eğitim seviyesi, bireyin yaşadığı bölge ile risk üstlenme düzeyi arasında anlamlı ilişki bulunmuştur. Yine bireyin yaşadığı bölge ve annenin eğitim seviyesi ile risk kelimesinin birey için ifade ettiği anlam arasında anlamlı ilişki bulunmuştur. Bu çalışma risk toleransının cinsiyet, yaş, medeni durum gibi kişisel özelliklerin dışında anne-babanın eğitim durumu, bireyin yaşadığı yer açısından ele alması bakımından literatürdeki benzer çalışmalardan farklılaşmaktadır. Finansal piyasaların gelişimi için bireylerin risk toleransını dikkate alan portföylerin oluşturulması yatırım kararını vermede etkili olabilir. Böylece bireyler kendileri için uygun yatırım aracına yatırım yapmış olacaktır.

References

  • Ainia, N. S. N., ve Lutfi, L. (2019). The influence of risk perception, risk tolerance, overconfidence, and loss aversion towards investment decision making. Journal of Economics, Business, ve Accountancy Ventura, 21(3), 401-413.
  • Akgüneş, A. O. (2021), Finansal risk toleransı ve demografik değişkenler arasındaki ilişki: finansal okuryazarlığın moderatör etkisi. Maliye Ve Finans Yazıları, (115), 29-60.
  • Aruna, A. R., ve Sreeya, B. (2020). Study on financial risk tolerance of individual ınvestors with special reference to chennai city. Interpretation, 1(102), 14310-14314.
  • Bayar, Y., Sezgin, H. F., Öztürk, Ö. F., ve Şaşmaz, M. Ü. (2020). Financial literacy and financial risk tolerance of ındividual ınvestors: multinomial logistic regression approach. SAGE Open, 10(3), doi.org/10.1177/2158244020945717.
  • Çöllü, D. A., Akgün, L., ve Altın, E. (2019). Risk Tolerans Tutumunun Kültürlerarası Farklılıkları ve Benzerlikleri: Türkiye ve Azerbaycan Arasında Bir Karşılaştırma. Karadeniz Teknik Üniversitesi Sosyal Bilimler Enstitüsü Sosyal Bilimler Dergisi, 9(17), 53-77.
  • Dhiman, B., ve Raheja, S. (2018). Do personality traits and emotional intelligence of investors determine their risk tolerance?. Management and Labour Studies, 43(1-2), 88-99.
  • Ferreira, S. J., ve Dickason, Z. (2018). The effect of gender and ethnicity on financial risk tolerance in South African. Gender and Behaviour, 16(1), 10851-10862.
  • Fisher, P. J., ve Yao, R. (2017). Gender differences in financial risk tolerance. Journal of Economic Psychology, 61, 191-202.
  • Grable, J. E. (2000). Financial risk tolerance and additional factors that affect risk taking in everyday money matters. Journal of Business and Psychology, 14(4), 625-630.
  • Grable, JE, Lytton, RH, (1999). Financial risk tolerance revisited: the development of a risk assessment instrument, Financial Services Review, 8, 163–181.
  • Hitay, K., ve Anbar, A. (2020). Kişilik Özelliklerinin Finansal Risk Toleransı Üzerindeki Etkisi: Üniversite Öğrencileri Üzerine Bir Araştırma. Muhasebe Ve Finansman Dergisi, (87), 203-224.
  • Koekemoer, Z. (2018). The influence of demograhic factors on risk tolerance for South African investors. In Proceedings of International Academic Conferences (No. 6408640). International Institute of Social and Economic Sciences. 19 June 2018, 39th International Academic Conference, Amsterdam 101-115.
  • Magendans, J., Gutteling, J. M., ve Zebel, S. (2017). Psychological determinants of financial buffer saving: the influence of financial risk tolerance and regulatory focus. Journal of Risk Research, 20(8), 1076-1093.
  • Nguyen, L., Gallery, G., ve Newton, C. (2019). The joint influence of financial risk perception and risk tolerance on individual investment decision‐making. Accounting ve Finance, 59, 747-771.
  • Nguyen, T. M. L., G. Gallery ve C. J. Newton, (2016) The influence of financial risk tolerance on investment decision-making in a financial advice context, Australasian Accounting Business ve Finance Journal 10, 3–22. Peng, Z. (2020). Germane factors of the financial risk-tolerance of undergraduate business students. Business Education Innovation Journal 12(1), 114-123.
  • Pinjisakikool, T. (2018). The influence of personality traits on households’ financial risk tolerance and financial behaviour. Journal of Interdisciplinary Economics, 30(1), 32-54.
  • Quy, L. T., ve Van, P. T. H. (2018), Determinants of the risk tolerance of the vietnamese ındividual ınvestors. International Journal of Science and Research (IJSR), 9(5), 755-762.
  • Rabbani, A. G., Grable, J. E., O'Neill, B., Lawrence, F., ve Yao, Z. (2020). Financial risk tolerance before and after a stock market shock: testing the recency bias hypothesis. Journal of Financial Counseling and Planning. 32(2), doi.org/10.1891/JFCP-19-00025. Rabbani, A. G., Yao, Z., ve Wang, C. (2019). Does personality predict financial risk tolerance of pre-retiree baby boomers?. Journal of Behavioral and Experimental Finance, 23, 124-132.
  • Rahman, M. (2020). Propensity toward financial risk tolerance: an analysis using behavioural factors. Review of Behavioral Finance. 12(3), 259-281.
  • Rahman, M., Albaity, M., ve Isa, C. R. (2020). Behavioural propensities and financial risk tolerance: the moderating effect of ethnicity. International Journal of Emerging Markets. 15(4), 728-745.
  • Shah, N. H., Khalid, W., Khan, S., Arif, M., ve Khan, M. A. (2020). An empirical analysis of financial risk tolerance and demographic factors of business graduates in Pakistan. International Journal of Economics and Financial Issues, 10(4), 220-234.
  • Shusha, A. A. (2017). Does financial literacy moderate the relationship among demographic characteristics and financial risk tolerance? Evidence from Egypt. Australasian Accounting, Business and Finance Journal, 11(3), 67-86.
  • Zeb, R., Shah, N. H., ve Arif, M. (2021). Fostering the social capital: the effect of financial risk tolerance and family ıncome on entrepreneurial ıntention in higher education sector of District Swabi. Global Economics Review, 6(1), 24-37.
  • Zhu, A. Y. F. (2019). Financial risk tolerance of Hong Kong adolescents: A hierarchical model. Children and Youth Services Review, 102, 193-200. Erişim adresi: https://doi.org/10.1016/j.childyouth.2019.05.014
Year 2022, Volume: 5 Issue: 1, 52 - 62, 01.04.2022
https://doi.org/10.32951/mufider.1070786

Abstract

References

  • Ainia, N. S. N., ve Lutfi, L. (2019). The influence of risk perception, risk tolerance, overconfidence, and loss aversion towards investment decision making. Journal of Economics, Business, ve Accountancy Ventura, 21(3), 401-413.
  • Akgüneş, A. O. (2021), Finansal risk toleransı ve demografik değişkenler arasındaki ilişki: finansal okuryazarlığın moderatör etkisi. Maliye Ve Finans Yazıları, (115), 29-60.
  • Aruna, A. R., ve Sreeya, B. (2020). Study on financial risk tolerance of individual ınvestors with special reference to chennai city. Interpretation, 1(102), 14310-14314.
  • Bayar, Y., Sezgin, H. F., Öztürk, Ö. F., ve Şaşmaz, M. Ü. (2020). Financial literacy and financial risk tolerance of ındividual ınvestors: multinomial logistic regression approach. SAGE Open, 10(3), doi.org/10.1177/2158244020945717.
  • Çöllü, D. A., Akgün, L., ve Altın, E. (2019). Risk Tolerans Tutumunun Kültürlerarası Farklılıkları ve Benzerlikleri: Türkiye ve Azerbaycan Arasında Bir Karşılaştırma. Karadeniz Teknik Üniversitesi Sosyal Bilimler Enstitüsü Sosyal Bilimler Dergisi, 9(17), 53-77.
  • Dhiman, B., ve Raheja, S. (2018). Do personality traits and emotional intelligence of investors determine their risk tolerance?. Management and Labour Studies, 43(1-2), 88-99.
  • Ferreira, S. J., ve Dickason, Z. (2018). The effect of gender and ethnicity on financial risk tolerance in South African. Gender and Behaviour, 16(1), 10851-10862.
  • Fisher, P. J., ve Yao, R. (2017). Gender differences in financial risk tolerance. Journal of Economic Psychology, 61, 191-202.
  • Grable, J. E. (2000). Financial risk tolerance and additional factors that affect risk taking in everyday money matters. Journal of Business and Psychology, 14(4), 625-630.
  • Grable, JE, Lytton, RH, (1999). Financial risk tolerance revisited: the development of a risk assessment instrument, Financial Services Review, 8, 163–181.
  • Hitay, K., ve Anbar, A. (2020). Kişilik Özelliklerinin Finansal Risk Toleransı Üzerindeki Etkisi: Üniversite Öğrencileri Üzerine Bir Araştırma. Muhasebe Ve Finansman Dergisi, (87), 203-224.
  • Koekemoer, Z. (2018). The influence of demograhic factors on risk tolerance for South African investors. In Proceedings of International Academic Conferences (No. 6408640). International Institute of Social and Economic Sciences. 19 June 2018, 39th International Academic Conference, Amsterdam 101-115.
  • Magendans, J., Gutteling, J. M., ve Zebel, S. (2017). Psychological determinants of financial buffer saving: the influence of financial risk tolerance and regulatory focus. Journal of Risk Research, 20(8), 1076-1093.
  • Nguyen, L., Gallery, G., ve Newton, C. (2019). The joint influence of financial risk perception and risk tolerance on individual investment decision‐making. Accounting ve Finance, 59, 747-771.
  • Nguyen, T. M. L., G. Gallery ve C. J. Newton, (2016) The influence of financial risk tolerance on investment decision-making in a financial advice context, Australasian Accounting Business ve Finance Journal 10, 3–22. Peng, Z. (2020). Germane factors of the financial risk-tolerance of undergraduate business students. Business Education Innovation Journal 12(1), 114-123.
  • Pinjisakikool, T. (2018). The influence of personality traits on households’ financial risk tolerance and financial behaviour. Journal of Interdisciplinary Economics, 30(1), 32-54.
  • Quy, L. T., ve Van, P. T. H. (2018), Determinants of the risk tolerance of the vietnamese ındividual ınvestors. International Journal of Science and Research (IJSR), 9(5), 755-762.
  • Rabbani, A. G., Grable, J. E., O'Neill, B., Lawrence, F., ve Yao, Z. (2020). Financial risk tolerance before and after a stock market shock: testing the recency bias hypothesis. Journal of Financial Counseling and Planning. 32(2), doi.org/10.1891/JFCP-19-00025. Rabbani, A. G., Yao, Z., ve Wang, C. (2019). Does personality predict financial risk tolerance of pre-retiree baby boomers?. Journal of Behavioral and Experimental Finance, 23, 124-132.
  • Rahman, M. (2020). Propensity toward financial risk tolerance: an analysis using behavioural factors. Review of Behavioral Finance. 12(3), 259-281.
  • Rahman, M., Albaity, M., ve Isa, C. R. (2020). Behavioural propensities and financial risk tolerance: the moderating effect of ethnicity. International Journal of Emerging Markets. 15(4), 728-745.
  • Shah, N. H., Khalid, W., Khan, S., Arif, M., ve Khan, M. A. (2020). An empirical analysis of financial risk tolerance and demographic factors of business graduates in Pakistan. International Journal of Economics and Financial Issues, 10(4), 220-234.
  • Shusha, A. A. (2017). Does financial literacy moderate the relationship among demographic characteristics and financial risk tolerance? Evidence from Egypt. Australasian Accounting, Business and Finance Journal, 11(3), 67-86.
  • Zeb, R., Shah, N. H., ve Arif, M. (2021). Fostering the social capital: the effect of financial risk tolerance and family ıncome on entrepreneurial ıntention in higher education sector of District Swabi. Global Economics Review, 6(1), 24-37.
  • Zhu, A. Y. F. (2019). Financial risk tolerance of Hong Kong adolescents: A hierarchical model. Children and Youth Services Review, 102, 193-200. Erişim adresi: https://doi.org/10.1016/j.childyouth.2019.05.014
There are 24 citations in total.

Details

Primary Language Turkish
Subjects Business Administration
Journal Section Articles
Authors

Serpil Sumer 0000-0001-8452-0393

Publication Date April 1, 2022
Submission Date February 9, 2022
Acceptance Date March 4, 2022
Published in Issue Year 2022 Volume: 5 Issue: 1

Cite

APA Sumer, S. (2022). LİSANS ÖĞRENCİLERİNİN RİSK TOLERANSI: DENEYSEL BİR ÇALIŞMA. Muhasebe Ve Finans İncelemeleri Dergisi, 5(1), 52-62. https://doi.org/10.32951/mufider.1070786