Araştırma Makalesi
BibTex RIS Kaynak Göster

Does Pain that Doesn't Kill Strengthen or Bankrupt? The Effect of Psychological Resilience Factors on Financial Attitude

Yıl 2022, Cilt: 7 Sayı: 3, 608 - 625, 30.09.2022

Umut Can Öztürk Hüseyin Başar Önem

https://doi.org/10.30784/epfad.1089145

Öz

In recent years, personality traits and psychology connections of behavioral finance have been frequently preferred by researchers. In other words, the effects of psychological variables on people's financial behaviors have become an important research topic. In connection with this idea the aim of this research is to determine the psychological resilience of young banker and insurer candidates and their effects on their financial attitudes. Convenience sampling method was preferred for the study and 200 people were included in the study. In the research, reliability and validity analysis, frequency analysis, confirmatory factor analysis and path analysis were performed. According to the research results; While the "Self-Perception" dimension, which is one of the sub-dimensions of the resilience scale for adults, had a positive effect on the "Frugal", "Shy" and "Extravagant" dimensions of the financial attitude scale, no significant relationship was found with the "Conscious" dimension. While the "Future Perception" dimension, which is another sub-dimension, had a negative effect on the "Conscious" dimension of the financial attitude scale, and the "Social Resources" dimension on the "Shy" dimension, no significant relationship was found with the other dimensions.

Anahtar Kelimeler

Psychological Resilience Financial Attitude Behavioral Finance

Kaynakça

  • Alkaya, A. and Yaglı, İ. (2015). Financial literacy - financial knowledge, financial attitude and financial behavior: An application on students of Nevşehir Hacı Bektaş Veli University Faculty of Economic and Administrative Sciences. Journal of International Social Research, 8(40), 585-599. doi:10.17719/jisr.20154013941
  • Basim, H.N. and Cetin, F. (2011). The reliability and validity of the resilience scale for adults Turkish version. Turkish Journal of Psychiatry, 22, 1-12. Retrieved from https://www.turkpsikiyatri.com
  • Cetin, F. and Basim, N. (2011). The role of resilience in the attitudes of job satisfaction and organizational commitment. The Journal of Industrial Relations & Human Resources, 13(3), 79-94. doi:10.4026/1303-2860.2011.0184.x
  • Csikszentmihalyi, M. (2009). The promise of positive psychology. Psychological Topics, 18(2), 203-211. Retrieved from https://hrcak.srce.hr
  • Dogan, T. (2021). Psikolojik sağlamlığı yüksek bireylerin özellikleri. Erişim adresi: https://www.tayfundogan.net/2021/11/05/kendini-toparlama-gucu-psikolojik-saglamlik-2
  • Florian, V., Mikulincer, M. and Taubman, O. (1995). Does hardiness contribute to mental health during a stressful real life situtaion? The roles of appraisal and coping. Journal of Personality and Social Psychology, 68(4), 687-695. https://doi.org/10.1037/0022-3514.68.4.687
  • Friborg, O., Barlaug, D., Martinussen, M., Rosenvinge, J.H. and Hjemdal, O. (2005). Resilience in relation to personality and intelligence. International Journal of Methods in Psychiatric Research, 14(1), 29-42. doi:10.30918/AERJ.84.20.149
  • Friborg, O., Hjemdal, O., Rosenvinge, J.H. and Marinussen, M. (2003). A new rating scale for adult resilience: What are the central protective resources behind healthy adjustment? International Journal of Methods in Psychiatric Research, 12(2), 65-76. https://doi.org/10.1002/mpr.143
  • George, D. and Mallery, P. (2003). SPSS for windows step by step: A simple guide and reference 11.0 update. United States of America: Pearson Education, Inc.
  • Gizir, C.A. (2007). A review study on psychological resilience, risk factors and protective factors. Turkish Psychological Counseling and Guidance Journal, 3(28), 113-128. Retrieve from https://dergipark.org.tr/tr/pub/tpdrd
  • Glasman, L.R. and Dolores, A. (2006). Forming attitudes that predict future behavior: A meta-analysis of the attitude-behavior relation. Psychological Bulletin, 132(5), 778-822. doi:10.1037/0033-2909.132.5.778
  • Gonen, E. and Ozmete, E. (2007). Financial well-being: Examination of the relationship between satisfaction with the financial management process, financial behaviors and self-esteem. Journal of Social Policy Studies, 3(11), 57-69. Retrieved from https://dergipark.org.tr/tr/pub/spcd
  • Holzmann, R. (2010). Bringing financial literacy and education to low and middle income countries: The need to review, adjust, and extend current wisdom (IZA Discussion Paper No. 5114). Retrieved from https://papers.ssrn.com/sol3/papers.cfm?abstract_id=1663134
  • Kaplan, H.B. (1999). Toward an understanding of resilience: A critical review of definitions and models. In M.D. Glantz and J.L. Johnson (Eds.), Resilience and development, positive life adaptations (pp. 17-83). Retrieved from https://doi.org/10.1007/0-306-47167-1_3
  • Karairmak, Ö. (2006). Psychological resilience, risk factors and protective factors. Turkish Psychological Counseling and Guidance Journal, 3(26), 129-144. Retrieved from https://dergipark.org.tr/tr/pub/tpdrd
  • Kartal, Y. (2019). Üniversite öğrencilerinin finansal okuryazarlık, finansal tutum ve davranış düzeylerini belirlemeye yönelik bir araştırma: Necmettin Erbakan Üniversitesi örneği (Yayımlanmamış doktora tezi). Necmettin Erbakan Üniversitesi Sosyal Bilimler Enstitüsü, Konya.
  • Kilcan, B. and Ergur, Ş. (2019). Development of financial attitude scale (FAS): Validity and reliability studies. Future Visions Journal, 3(3), 58-67. http://dx.doi.org/10.29345/futvis.83
  • Kilic, S. (2016). Cronbach’s alpha reliability coefficient. Journal of Mood Disorders, 6(1), 47-48. doi:10.5455/jmood.20160307122823
  • Kobasa, S.C. (1979). Stressful life events, personality, and health: An inquiry into hardiness. Personality Social Psychology, 37(1), 2-11. doi:10.1037//0022-3514.37.1.1
  • Lazarus, R.S. (1993). From psychological stress to emotions: A history of changing outlooks. Annual Review of Psychology, 44, 1-21. https://doi.org/10.1146/annurev.ps.44.020193.000245
  • Leipold, B. and Greve, W. (2009), Resilience: A conceptual bridge between coping and development. European Psychologist, 14, 40-50. doi:10.1027/1016-9040.14.1.40
  • Masten, A.S. (2001). Ordinary magic: Resilience processes in development. American Psychologist, 3(56), 227-238. https://doi.org/10.1037/0003-066X.56.3.227
  • Masten, A.S., Best, K.M. and Garmezy, N. (1990). Resilience and development: Contributions from the study of children who overcome adversity. Development and Psychopathology, 2, 425-444. https://doi.org/10.1017/S0954579400005812
  • Masten, A.S. and O'Connor, M.J. (1989). Vulnerability, stress, and resilience in the early development of a high risk child. Journal of the American Academy of Child & Adolescent Psychiatry, 28(2), 274-278. https://doi.org/10.1097/00004583-198903000-00021
  • Meydan, S. (2019). Fakülte öğrencilerinin finansal davranış ve finansal tutum düzeyleri: Trakya Üniversitesi örneği (Yayımlanmamış doktora tezi). Trakya Üniversitesi Sosyal Bilimler Enstitüsü, Edirne.
  • Nicholson, N., Soane, E., Fenton-O'Creevy, M. and Willman, P. (2005). Personality and domain-specific risk taking. Journal of Risk Research, 8(2), 157-176. https://doi.org/10.1080/1366987032000123856
  • OECD. (2015). National strategies for financial education OECD/INFE policy handbook. Retrieved from https://www.oecd.org/daf/fin/financial-education/National-Strategies-Financial-Education-Policy-Handbook.pdf
  • Olsson, C.A., Bond, L., Burns, J.M., Vella-Brodrick, D.A. and Sawyer, S.M. (2003). Adolescent resilience: A concept analysis. Journal of Adolescence, 26(1), 1-11. https://doi.org/10.1016/S0140-1971(02)00118-5
  • Oz, P. and Yilmaz, U. (2009). A significant concept in protecting mental health: Resilience. Journal of Hacettepe University Faculty of Nursing, 16(3), 82-89. Retrieved from https://dergipark.org.tr/tr/pub/hunhemsire
  • Ozkalp, E., Varoglu, A., Varoglu, D., Kirel, A.C. and Acar, P. (2013). Organizational Behaviour. Eskişehir: T.C. Anadolu Üniversitesi Yayını.
  • Ozturk, E. and Demir, Y. (2015). Financial literacy and money management: An application on the Suleyman Demirel University academic staff. The Journal of Accounting and Finance, 68, 113-134. doi:10.25095/mufad.396629
  • Phan, K.C. and Zhou, J. (2014). Factors influencing individual investor behavior: An empirical study of the Vietnamese Stock Market. American Journal of Business and Management, 3(2), 77-94. doi:10.11634/216796061706527
  • Polatci, S., Sobaci, F. ve Kaban, I. (2019). The effect of big five personality traits and person-job fit on job satisfaction: A research on subcontractors. Journal of Organizational Behavior Review, 2(1), 12–30. Retrieved from https://dergipark.org.tr/tr/pub/jobreview
  • Sahin, M. and Baris, S. (2017). Financial literacy and saving behaviours: A study on public employees. Journal of the Faculty of Economics and Administrative Sciences, 7(2), 77-103. doi:10.19129/sbad.346
  • Samandar, O. and Comlekci, I. (2019). Evaluation of personality types in the scope of behavioral finance. Trakya University Journal of Social Science, 21(2), 557-575. doi:10.26468/trakyasobed.507246
  • Schumacker, R.E. and Lomax R.G. (2004). A beginner's guide to structural equation modeling. New York: Psychology Press. https://doi.org/10.4324/9781410610904
  • Turker, N.T. (2018). Yetişkinlerde dindarlık ve psikolojik sağlamlık ilişkisi üzerine bir araştırma (Yayımlanmamış doktora tezi). Uludağ Üniversitesi Sosyal Bilimler Enstitüsü, Bursa.
  • Türkiye Zeka Vakfı. (2018). Psikolojik sağlamlık. Erişim adresi: https://www.tzv.org.tr/?#/haber/2121
  • Watson, S.J. and Barber, B.L. (2017). University attendance moderates the link between financial norms and healthy financial behavior for Australian young adults. Journal of Family and Economic Issues, 38(2), 238-248.doi:10.1007/S10834-016-9505-4
  • Werner, E.E. (1995). Resilience and development. Current Directions in Psychological Science, 4(3), 81-85. https://doi.org/10.1111/1467-8721.ep10772327

Öldürmeyen Acı Güçlendirir mi Yoksa Batırır mı? Psikolojik Dayanıklılık Unsurlarının Finansal Tutuma Etkisi

Yıl 2022, Cilt: 7 Sayı: 3, 608 - 625, 30.09.2022

Umut Can Öztürk Hüseyin Başar Önem

https://doi.org/10.30784/epfad.1089145

Öz

Son yıllarda davranışsal finansın kişilik özellikleri ve psikoloji bağlantıları araştırmacılar tarafından sıklıkla tercih edilmektedir. Başka bir deyişle psikolojik değişkenlerin insanların finansal davranışları üzerindeki etkileri önemli birer araştırma konusu haline gelmiştir. Bu fikirle ile bağlantılı olarak araştırmanın amacı genç bankacı ve sigortacı adaylarının psikolojik dayanıklılıklarının ve finansal tutumları üzerindeki etkisinin belirlenmesidir. Çalışma kolayda örnekleme yöntemi tercih edilmiş olup 200 kişi araştırmaya dahil edilmiştir. Araştırmada güvenirlik ve geçerlilik analizi, frekans analizi, doğrulayıcı faktör analizi ve yol analizi yapılmıştır. Araştırma sonuçlarına göre; Yetişkinler için dayanıklılık ölçeği alt boyutlarından “Kendilik Algısı” boyutunun, finansal tutum ölçeği boyutlarından “Tutumlu” , “Sıkılgan” ve ” Savurgan” boyutları üzerinde pozitif bir etkisi bulunurken, “Bilinçli” boyutu ile anlamlı bir ilişkisine rastlanılmamıştır. Diğer bir alt boyut olan “Gelecek Algısı” boyutunun finansal tutum ölçeğinin “Bilinçli” boyutu üzerinde “Sosyal Kaynaklar” boyutunun ise “Sıkılgan” boyutu üzerinde negatif bir etkisi bulunurken, diğer boyutlar ile anlamlı bir ilişkisine rastlanılmamıştır.

Anahtar Kelimeler

Psikolojik Dayanıklılık Finansal Tutum Davranışsal Finans

Kaynakça

  • Alkaya, A. and Yaglı, İ. (2015). Financial literacy - financial knowledge, financial attitude and financial behavior: An application on students of Nevşehir Hacı Bektaş Veli University Faculty of Economic and Administrative Sciences. Journal of International Social Research, 8(40), 585-599. doi:10.17719/jisr.20154013941
  • Basim, H.N. and Cetin, F. (2011). The reliability and validity of the resilience scale for adults Turkish version. Turkish Journal of Psychiatry, 22, 1-12. Retrieved from https://www.turkpsikiyatri.com
  • Cetin, F. and Basim, N. (2011). The role of resilience in the attitudes of job satisfaction and organizational commitment. The Journal of Industrial Relations & Human Resources, 13(3), 79-94. doi:10.4026/1303-2860.2011.0184.x
  • Csikszentmihalyi, M. (2009). The promise of positive psychology. Psychological Topics, 18(2), 203-211. Retrieved from https://hrcak.srce.hr
  • Dogan, T. (2021). Psikolojik sağlamlığı yüksek bireylerin özellikleri. Erişim adresi: https://www.tayfundogan.net/2021/11/05/kendini-toparlama-gucu-psikolojik-saglamlik-2
  • Florian, V., Mikulincer, M. and Taubman, O. (1995). Does hardiness contribute to mental health during a stressful real life situtaion? The roles of appraisal and coping. Journal of Personality and Social Psychology, 68(4), 687-695. https://doi.org/10.1037/0022-3514.68.4.687
  • Friborg, O., Barlaug, D., Martinussen, M., Rosenvinge, J.H. and Hjemdal, O. (2005). Resilience in relation to personality and intelligence. International Journal of Methods in Psychiatric Research, 14(1), 29-42. doi:10.30918/AERJ.84.20.149
  • Friborg, O., Hjemdal, O., Rosenvinge, J.H. and Marinussen, M. (2003). A new rating scale for adult resilience: What are the central protective resources behind healthy adjustment? International Journal of Methods in Psychiatric Research, 12(2), 65-76. https://doi.org/10.1002/mpr.143
  • George, D. and Mallery, P. (2003). SPSS for windows step by step: A simple guide and reference 11.0 update. United States of America: Pearson Education, Inc.
  • Gizir, C.A. (2007). A review study on psychological resilience, risk factors and protective factors. Turkish Psychological Counseling and Guidance Journal, 3(28), 113-128. Retrieve from https://dergipark.org.tr/tr/pub/tpdrd
  • Glasman, L.R. and Dolores, A. (2006). Forming attitudes that predict future behavior: A meta-analysis of the attitude-behavior relation. Psychological Bulletin, 132(5), 778-822. doi:10.1037/0033-2909.132.5.778
  • Gonen, E. and Ozmete, E. (2007). Financial well-being: Examination of the relationship between satisfaction with the financial management process, financial behaviors and self-esteem. Journal of Social Policy Studies, 3(11), 57-69. Retrieved from https://dergipark.org.tr/tr/pub/spcd
  • Holzmann, R. (2010). Bringing financial literacy and education to low and middle income countries: The need to review, adjust, and extend current wisdom (IZA Discussion Paper No. 5114). Retrieved from https://papers.ssrn.com/sol3/papers.cfm?abstract_id=1663134
  • Kaplan, H.B. (1999). Toward an understanding of resilience: A critical review of definitions and models. In M.D. Glantz and J.L. Johnson (Eds.), Resilience and development, positive life adaptations (pp. 17-83). Retrieved from https://doi.org/10.1007/0-306-47167-1_3
  • Karairmak, Ö. (2006). Psychological resilience, risk factors and protective factors. Turkish Psychological Counseling and Guidance Journal, 3(26), 129-144. Retrieved from https://dergipark.org.tr/tr/pub/tpdrd
  • Kartal, Y. (2019). Üniversite öğrencilerinin finansal okuryazarlık, finansal tutum ve davranış düzeylerini belirlemeye yönelik bir araştırma: Necmettin Erbakan Üniversitesi örneği (Yayımlanmamış doktora tezi). Necmettin Erbakan Üniversitesi Sosyal Bilimler Enstitüsü, Konya.
  • Kilcan, B. and Ergur, Ş. (2019). Development of financial attitude scale (FAS): Validity and reliability studies. Future Visions Journal, 3(3), 58-67. http://dx.doi.org/10.29345/futvis.83
  • Kilic, S. (2016). Cronbach’s alpha reliability coefficient. Journal of Mood Disorders, 6(1), 47-48. doi:10.5455/jmood.20160307122823
  • Kobasa, S.C. (1979). Stressful life events, personality, and health: An inquiry into hardiness. Personality Social Psychology, 37(1), 2-11. doi:10.1037//0022-3514.37.1.1
  • Lazarus, R.S. (1993). From psychological stress to emotions: A history of changing outlooks. Annual Review of Psychology, 44, 1-21. https://doi.org/10.1146/annurev.ps.44.020193.000245
  • Leipold, B. and Greve, W. (2009), Resilience: A conceptual bridge between coping and development. European Psychologist, 14, 40-50. doi:10.1027/1016-9040.14.1.40
  • Masten, A.S. (2001). Ordinary magic: Resilience processes in development. American Psychologist, 3(56), 227-238. https://doi.org/10.1037/0003-066X.56.3.227
  • Masten, A.S., Best, K.M. and Garmezy, N. (1990). Resilience and development: Contributions from the study of children who overcome adversity. Development and Psychopathology, 2, 425-444. https://doi.org/10.1017/S0954579400005812
  • Masten, A.S. and O'Connor, M.J. (1989). Vulnerability, stress, and resilience in the early development of a high risk child. Journal of the American Academy of Child & Adolescent Psychiatry, 28(2), 274-278. https://doi.org/10.1097/00004583-198903000-00021
  • Meydan, S. (2019). Fakülte öğrencilerinin finansal davranış ve finansal tutum düzeyleri: Trakya Üniversitesi örneği (Yayımlanmamış doktora tezi). Trakya Üniversitesi Sosyal Bilimler Enstitüsü, Edirne.
  • Nicholson, N., Soane, E., Fenton-O'Creevy, M. and Willman, P. (2005). Personality and domain-specific risk taking. Journal of Risk Research, 8(2), 157-176. https://doi.org/10.1080/1366987032000123856
  • OECD. (2015). National strategies for financial education OECD/INFE policy handbook. Retrieved from https://www.oecd.org/daf/fin/financial-education/National-Strategies-Financial-Education-Policy-Handbook.pdf
  • Olsson, C.A., Bond, L., Burns, J.M., Vella-Brodrick, D.A. and Sawyer, S.M. (2003). Adolescent resilience: A concept analysis. Journal of Adolescence, 26(1), 1-11. https://doi.org/10.1016/S0140-1971(02)00118-5
  • Oz, P. and Yilmaz, U. (2009). A significant concept in protecting mental health: Resilience. Journal of Hacettepe University Faculty of Nursing, 16(3), 82-89. Retrieved from https://dergipark.org.tr/tr/pub/hunhemsire
  • Ozkalp, E., Varoglu, A., Varoglu, D., Kirel, A.C. and Acar, P. (2013). Organizational Behaviour. Eskişehir: T.C. Anadolu Üniversitesi Yayını.
  • Ozturk, E. and Demir, Y. (2015). Financial literacy and money management: An application on the Suleyman Demirel University academic staff. The Journal of Accounting and Finance, 68, 113-134. doi:10.25095/mufad.396629
  • Phan, K.C. and Zhou, J. (2014). Factors influencing individual investor behavior: An empirical study of the Vietnamese Stock Market. American Journal of Business and Management, 3(2), 77-94. doi:10.11634/216796061706527
  • Polatci, S., Sobaci, F. ve Kaban, I. (2019). The effect of big five personality traits and person-job fit on job satisfaction: A research on subcontractors. Journal of Organizational Behavior Review, 2(1), 12–30. Retrieved from https://dergipark.org.tr/tr/pub/jobreview
  • Sahin, M. and Baris, S. (2017). Financial literacy and saving behaviours: A study on public employees. Journal of the Faculty of Economics and Administrative Sciences, 7(2), 77-103. doi:10.19129/sbad.346
  • Samandar, O. and Comlekci, I. (2019). Evaluation of personality types in the scope of behavioral finance. Trakya University Journal of Social Science, 21(2), 557-575. doi:10.26468/trakyasobed.507246
  • Schumacker, R.E. and Lomax R.G. (2004). A beginner's guide to structural equation modeling. New York: Psychology Press. https://doi.org/10.4324/9781410610904
  • Turker, N.T. (2018). Yetişkinlerde dindarlık ve psikolojik sağlamlık ilişkisi üzerine bir araştırma (Yayımlanmamış doktora tezi). Uludağ Üniversitesi Sosyal Bilimler Enstitüsü, Bursa.
  • Türkiye Zeka Vakfı. (2018). Psikolojik sağlamlık. Erişim adresi: https://www.tzv.org.tr/?#/haber/2121
  • Watson, S.J. and Barber, B.L. (2017). University attendance moderates the link between financial norms and healthy financial behavior for Australian young adults. Journal of Family and Economic Issues, 38(2), 238-248.doi:10.1007/S10834-016-9505-4
  • Werner, E.E. (1995). Resilience and development. Current Directions in Psychological Science, 4(3), 81-85. https://doi.org/10.1111/1467-8721.ep10772327
Toplam 40 adet kaynakça vardır.

Ayrıntılar

Birincil Dil İngilizce
Konular Finans
Bölüm Makaleler
Yazarlar

Umut Can Öztürk 0000-0002-3122-6366

Hüseyin Başar Önem 0000-0003-0192-2886

Yayımlanma Tarihi 30 Eylül 2022
Kabul Tarihi 28 Haziran 2022
Yayımlandığı Sayı Yıl 2022 Cilt: 7 Sayı: 3

Kaynak Göster

APA Öztürk, U. C., & Önem, H. B. (2022). Does Pain that Doesn’t Kill Strengthen or Bankrupt? The Effect of Psychological Resilience Factors on Financial Attitude. Ekonomi Politika Ve Finans Araştırmaları Dergisi, 7(3), 608-625. https://doi.org/10.30784/epfad.1089145
 Kapak Resmi İndir