Öz
Bireylerin artan kişisel sorumluluklarından ötürü, risk azaltma
stratejilerini yönetmede bireysel sigorta tercihlerini etkileyen
güdülerin tespiti öncekinden daha önemli hale gelmiştir. Araştırma
tip A davranışı, kontrol odağı, heyecan arama, kaygılı olma,
finansal risk toleransının sigorta tercihlerindeki rolünü sorgulamayı
amaçlamaktadır. 71 kişilik örneklem veri setine uygulanan analiz
sonuçları kaygılı olma, kontrol odağının tip A davranışı üzerinde,
bu davranışının ve heyecan aramanın finansal risk toleransı üzerinde,
finansal risk toleransının sigorta sayısında etkili olduğunu
göstermiştir.
Anahtar Kelimeler
Kontrol Odağı Heyecan Arama Tip A Kişiliği Finansal Risk Toleransı Sigorta Tercihleri
Kaynakça
- Adhikari, B.K., V. O’leary. 2011. Gender Differences in Risk Aversion: A Developing Nation’s Case. Journal of Personal Finance, 10 (2):122-147. Anbar, A., M. Eker. 2009. Bireysel Yatırımcıların Finansal Risk Algılamalarını Etkileyen Demografik ve Sosyoekonomik Faktörler. ZKÜ Sosyal Bilimler Dergisi, 5 (9):129-150. Ansong, A. and M.A. Gyensare. 2012. Determinants of University Working- Students’ Financial Literacy at The University of Cape Coast, Ghana. International Journal of Business and Management, 7 (9): 126-133. Bajtelsmit, V.L., A. Bernasek. 1996. Why Do Women Invest Differently Than Men? Financial Counseling and Planning, 7:1-10. Barber, B.M., T. Odean. 2001. Boys will be boys: Gender, Overconfidence and Common Stock Investment. Quarterly Journal of Economics, 116: 261- 292. Bond, M.J., N.T. Feather. 1988. Some Correlates of Structure and Purpose in The Use Of Time. Journal of Personality and Social Psychology, 55: 321- 329. Botzen, W.J.W., Aerts, J.C.J.H., & Van Den Bergh, J.C.J.M. 2009. Willingness of Homeowners to Mitigate Climate Risk Through Insurance. Ecological Economics, 68: 2265-2277. Carducci, B.J., A.S. Wong. 1998. Type A and Risk Taking in Everyday Money Matters. Journal of Business and Social Psychology, Vol. 12 (3): 355-359. Charness, G., U. Gneezy. 2012. Strong Evidence for Gender Differences in Risk Taking. Journal of Economic Behavior & Organization, 83: 50-58. Duasa, J., S.A. Yusof. 2013. Determinants of Risk Tolerance on Financial Asset Ownership: A Case of Malaysia. International Journal of Business and Society, 14 (1): 1-16.
Öz
Due to their increasing responsibility in risk mitigating
strategies, understanding motives for insurance preferences is
more important than before. This study aims to explore anxiety,
locus of control (LoC), type A, sensation seeking and financial risk
tolerance (FRT)’s role on insurance preferences. Results indicate
that (a) anxiety and LoC as significant on type a personality, (b)
type a and sensation seeking as notable on FRT and (c) FRT as
important on insurance preferences.
Anahtar Kelimeler
locus of control sensation seeking type a personality financial risk tolerance insurance preference
Kaynakça
- Adhikari, B.K., V. O’leary. 2011. Gender Differences in Risk Aversion: A Developing Nation’s Case. Journal of Personal Finance, 10 (2):122-147. Anbar, A., M. Eker. 2009. Bireysel Yatırımcıların Finansal Risk Algılamalarını Etkileyen Demografik ve Sosyoekonomik Faktörler. ZKÜ Sosyal Bilimler Dergisi, 5 (9):129-150. Ansong, A. and M.A. Gyensare. 2012. Determinants of University Working- Students’ Financial Literacy at The University of Cape Coast, Ghana. International Journal of Business and Management, 7 (9): 126-133. Bajtelsmit, V.L., A. Bernasek. 1996. Why Do Women Invest Differently Than Men? Financial Counseling and Planning, 7:1-10. Barber, B.M., T. Odean. 2001. Boys will be boys: Gender, Overconfidence and Common Stock Investment. Quarterly Journal of Economics, 116: 261- 292. Bond, M.J., N.T. Feather. 1988. Some Correlates of Structure and Purpose in The Use Of Time. Journal of Personality and Social Psychology, 55: 321- 329. Botzen, W.J.W., Aerts, J.C.J.H., & Van Den Bergh, J.C.J.M. 2009. Willingness of Homeowners to Mitigate Climate Risk Through Insurance. Ecological Economics, 68: 2265-2277. Carducci, B.J., A.S. Wong. 1998. Type A and Risk Taking in Everyday Money Matters. Journal of Business and Social Psychology, Vol. 12 (3): 355-359. Charness, G., U. Gneezy. 2012. Strong Evidence for Gender Differences in Risk Taking. Journal of Economic Behavior & Organization, 83: 50-58. Duasa, J., S.A. Yusof. 2013. Determinants of Risk Tolerance on Financial Asset Ownership: A Case of Malaysia. International Journal of Business and Society, 14 (1): 1-16.
Ayrıntılar
| Bölüm | Makaleler |
|---|---|
| Yazarlar | |
| Yayımlanma Tarihi | 1 Nisan 2016 |
| Gönderilme Tarihi | 12 Mayıs 2017 |
| Yayımlandığı Sayı | Yıl 2016 Sayı: 105 |
Cited By
Dergi özellikle maliye, finans ve bankacılık alanlarında faaliyet göstermektedir.