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The Relationship Between Socio-Economic Profile and Saving Behavior of Agricultural Enterprises in Turkey: The Case of Konya Province

Yıl 2024, Cilt: 27 Sayı: Ek Sayı 2 (Suppl 2), 508 - 520

Kemalettin Ağızan , Zeki Bayramoğlu , Hasan Gökhan Doğan , Yusuf Celik , Zuhal Karakayacı

https://doi.org/10.18016/ksutarimdoga.vi.1491494

Öz

The primary aim of this study is to identify the factors that impact the saving behavior of agricultural households residing in rural regions. To achieve this, a survey was undertaken with 268 agricultural households located in Konya province, Turkey. Accordingly, the socio-economic structures and amount of savings of agricultural households were determined because of the surveys. Considering the socio-economic characteristics of agricultural businesses in numerous countries, including Turkey, we utilized the tobit model to establish the factors that impact savings in agricultural businesses. The analysis showed that age, household size, capital, income from households, and off-farm business ventures have a significant and positive impact on household savings. Conversely, education level, experience, social security, health status, business expenses, loan amount, and level of subsidies have a significant and negative impact on savings. The research has highlighted the requirement for diverse income options to encourage greater savings, leading to economic growth. Due to the transfer of a substantial amount of investment funds to real estate or vehicle funds without regard to urban-rural differences, the promotion and dissemination of alternative investment instruments is essential. Consequently, policy recommendations have been devised for the deployment of savings.

Anahtar Kelimeler

Rural area Savings Households behavior Tobit regresyon

Proje Numarası

121K160

Kaynakça

  • Abbas, S. (2022). Global warming and export competitiveness of agriculture sector: Evidence from heterogeneous econometric analysis of Pakistan. Environmental Science and Pollution Research 29(23), 34325-34337. https://doi.org/ 10.1007/s11356-022-18562-y
  • Abid, S. & Afridi G.S. (2010). Assessing the household saving pattern of urban and rural households in district Muzaffarabad. Pakistan Journal of Life and Social Sciences 8(2), 137-141.
  • Akgüngör, S., Miran B., Akbay C., Olhan E. & Nergis N. (1999). Estimation of potential consumer demand for environmentally friendly agricultural products in Istanbul, Ankara and Izmir. TEAE Report 3.
  • Akın, T. (2018). The Effects of Savings on Macroeconomic Performance: Theory and the Case of Turkey. Adnan Menderes University Institute of Social Sciences, Department of Economics, Doctoral Thesis, sy.245.
  • Aktas, A., Guner D., Gursel S. & Uysal G. (2010). Structural determinants of household savings in Turkey: 2003-2008. Proje No: sy.123
  • Alessie, R., Angelini V. & van Santen P. (2013). Pension wealth and household savings in Europe: Evidence from SHARELIFE. European Economic Review 63, 308-328. https://doi.org/10.1016/ j.euroecorev.2013.04.009
  • Balassa, L.L. 1992. Hydrated fibrous mats for use in curing cement and concrete, Google Patents.
  • Bernheim, B.D., Garrett D.M. & Maki D.M. (2001). Education and saving:: The long-term effects of high school financial curriculum mandates. Journal of public Economics 80(3), 435-465. https://doi.org/10.1016/S0047-2727(00)00120-1
  • Bozkuş, S. & Üçdoğruk Ş. (2007). Household Savings Preferences: The Case of Turkey. Journal of Finance-Politics & Economic Commentary 45(518), 85.
  • Browning, M. & Lusardi A. (1996). Household saving: Micro theories and micro facts. Journal of Economic literature 34(4), 1797-1855.
  • Burney, N.A. & Khan A.H. (1992). Socio-economic characteristics and household savings: an analysis of the households' saving behaviour in Pakistan. The Pakistan Development Review, 31-48.
  • Cafrı, R. (2009). Analysis of Poverty in Adana Province: An Analysis with Limited Dependent Variable Models. Master Thesis. Çukurova University Institute of Social Sciences. Adana. 113s.
  • Ceritoğlu, E. & Eren O. (2013). The effects of changes in Turkey's population and social structure on household savings. The Central Bank of the Republic of Turkey Economic Notes 24, 1-14.
  • Chamon, M., Liu K. & Prasad E. (2013). Income uncertainty and household savings in China. Journal of Development Economics 105, 164-177. https://doi.org/10.1016/j.jdeveco.2013.07.014
  • Cilasun, S.M. & Kirdar M.G. (2009). A cross-sectional analysis of income, consumption and saving behavior of Turkish household. İktisat, İşletme ve Finans 24(280), 9-46. https://doi.org/10.3848/ iif.2009.280.2791
  • Çelik, Z. (2009). Investigation of Household Income and Saving Tendencies in Adana Province. Unpublished Master's Thesis, Çukurova University Institute of Social Sciences, Adana.
  • Çiçek, A. (2000). Socio-Cultural Factors Affecting Consumption and Saving Tendencies of Families According to Different Income Levels: Elazig Case. Unpublished Master Thesis. Elazig: Firat University, sy.165
  • Çolak, Ö.F. & Öztürkler H. (2012). Determinants of saving: Changes in global saving trends and analyses of household saving trends in Turkey. Bankers Magazine 82, 1-43.
  • Edwards, S. (1996). Why are Latin America's savings rates so low? An international comparative analysis. Journal of Development Economics 51(1), 5-44.
  • Erdem, B.P. (2017). Türkiye’de Hanehalkı Tasarruflarını Etkileyen Faktörler. Ekonomik Modeller ve Stratejik Araştirmalar Genel Müdürlüğü, 2973, 243 sy.
  • Fletschner, D. & Kenney L. (2014). Rural women’s access to financial services: credit, savings, and insurance. Springer, 187-208 sy.
  • Gedela, S.P.R. (2012). Determinants of saving behaviour in rural and tribal households (An empirical analysis of Visakhapatnam District). International Journal of Research in Social Sciences 2(3), 108.
  • Greene, W.H. (2003). Econometric analysis. Pearson Education India, sy.827.
  • Hamaker, C.M. & Patrick G.F. (1996). Farmers and alternative retirement investment strategies. Journal of ASFMRA, 42-51.
  • Hassan, A., Salim R. & Bloch H. (2011). Population age structure, saving, capital flows and the real exchange rate: A survey of the literature. Journal of Economic Surveys 25(4), 708-736.
  • Hayta, A.B. (2008). Analysing the saving and investment tendencies of families. Kastamonu Education Journal 16(2), 345-358.
  • Horioka, C.Y. & Wan J. (2007). The determinants of household saving in China: a dynamic panel analysis of provincial data. Journal of Money, Credit and Banking 39(8), 2077-2096.
  • Jensen, F.E. & Pope R.D. (2004). Agricultural precautionary wealth. Journal of Agricultural and Resource Economics, 17-30.
  • Kanık, Z.B. & Dinç T.D. (2017). Education-savings relationship: An application. Journal of Banking and Insurance Research 2(11), 59-91.
  • Karaaslan, K.Ç., Oktay E. & Alkan Ö. (2022). Determinants of household saving behaviour in Turkey. Sosyoekonomi 30(51), 71-90.
  • Karataş, M. & Gavcar E. (2001). Investigation of Saving Tendencies of Some Occupational Groups The Case of Muğla Province. Dokuz Eylul University Journal of Institute of Social Sciences 3(2), 38-46.
  • Karlan, D., Ratan A.L. & Zinman J. (2014). Savings by and for the Poor: A Research Review and Agenda. Review of Income and Wealth 60(1), 36-78.
  • Kıymaz, T. (2023). Suggestions for Effective Support of Cereal Production for Food Security. Hacettepe University Journal of Faculty of Economics and Administrative Sciences 41(Tarım Özel Sayısı), 61-76.
  • Komal, R. & Abbas F. (2015). Linking financial development, economic growth and energy consumption in Pakistan. Renewable and sustainable energy reviews 44, 211-220.
  • Koskela, E. & Virén M. (1982). Saving and inflation: some international evidence. economics letters 9(4), 337-344.
  • Kulikov, D., Paabut A. & Staehr K. (2007). Factors Affecting Household Saving Behaviour in Estonia. Kroon and Economy, 28-42.
  • Kutlu, G. (2016). Determinants of Household Savings Behavior İn Turkey. İstanbul Technical University, Graduate School of Arts and Social Sciences Department of Economics Programme, sy.103.
  • Lahiri, A.K. (1989). Dynamics of Asian savings: the role of growth and age structure. Staff Papers 36(1), 228-261.
  • Léon, Y. & Rainelli P. (1976). Savings of farmers: A cross-section analysis. European Review of Agricultural Economics 3(4), 501-522.
  • Lidi, B.Y., Amsalu B. & Belina M. (2017). Determinants of Saving Behavior of Farm Households in Rural Ethiopia: The Double Hurdle Approach. Journal of Economics and Sustainable Development 8(19), 33-42.
  • Littlefield, E., Morduch J. & Hashemi S. (2003). Is microfinance an effective strategy to reach the millennium development goals? Focus note 24(2003), 1-11.
  • Loayza, N., Schmidt-Hebbel K. & Servén L. (2000). What drives private saving across the world? Review of Economics and statistics 82(2), 165-181.
  • Mapesa, H.J. (2015). Shaping The Saving Behaviour Of The Rural Poor: Experiences Of Rural Finance Programmes In Tanzania. International Journal of Research in Business Management (IMPACT: IJRBM) 3(2), 47-56.
  • Mishkin, F.S. (2007). The economics of money, banking, and financial markets. Pearson education, sy.745.
  • Mishra, A.K. & Chang H.-H. (2009). Factors affecting precautionary savings of self-employed farm households. Agricultural Finance Review 69(3), 300-313.
  • Modigliani, F. (1970). The life cycle hypothesis of saving and intercountry differences in the saving ratio. Induction, growth and trade, 197-225.
  • Montiel, P.J. & Servén L. (2008). Real exchange rates, saving and growth: Is there a link? World bank policy research working paper(4636).
  • Morduch, J. (2009). Borrowing to save: Perspectives from portfolios of the poor. Financial Access Initiative.
  • Obayelu, O.A. (2013). Determinants of Savings Rate in Rural Nigeria: A Micro Study of Kwara State. Journal for the Advancement of Developing Economies 2(1), 1-18.
  • Özcan, K.M. & Günay A. (2012). Determinants of Private Savings in Turkey. Discussion Paper, Turkish Economic Association, Proje No: sy.24
  • Qi, W.-g., Zhu X.-l. & Zhang Y.-l. (2004). Study of fuzzy neural network control of energy-saving of oil pump. Proceedings of the Csee 6, 026.
  • Sallawu, H., Tanko L., Nmadu J. & Ndanitsa A. (2016). Determinants of income diversification among farm households in niger State, Nigeria. Russian Journal of Agricultural and Socio-Economic Sciences 50(2), 55-65.
  • Schaefer, H.G. (1993). Economic Trend Analysis for Executives and Investors. Praeger Pub Text, sy.221
  • Spence, L.C. & Mapp H.P. (1976). A retirement income simulation model for farm operators. Journal of Agricultural and Applied Economics 8(1), 163-168.
  • Steinert, J.I., Zenker J., Filipiak U., Movsisyan A., Cluver L.D. & Shenderovich Y. (2018). Do saving promotion interventions increase household savings, consumption, and investments in Sub-Saharan Africa? A systematic review and meta-analysis. World Development 104, 238-256. https://doi.org/10.1016/j.worlddev.2017.11.018
  • Strzelecka, A. & Zawadzka D. (2023). Savings as a Source of Financial Energy on the Farm—What Determines the Accumulation of Savings by Agricultural Households? Model Approach. Energies 16(2), 696. https://doi.org/ 10.3390/en16020696
  • Subhashree, N., Narayan S., Padmaja B. & Arundhati M. (2016). Determinants and Pattern of Saving Behavior in Rural Households of Western Odisha: A Micro-Level Analysis. Journal of Economic Policy & Research 12(1), 50-61.
  • Şengür, M. & Taban S. (2016). Income Distribution-Savings Relationship: The Effect of Household Income Type on Savings in Turkey. Anadolu University Journal of Social Sciences 16(1), 49-71.
  • Tan, J., Xu H. & Yu J. (2022). The effect of homeownership on migrant household savings: Evidence from the removal of home purchase restrictions in China. Economic Modelling 106, 105679. https://doi.org/10.1016/ j.econmod. 2021.105679
  • Temel Nalın, H. (2013). Determinants of household saving and portfolio choice behaviour in Turkey. Acta Oeconomica 63(3), 309-331. https://doi.org/ 10.1556/aoecon.63.2013.3.3
  • Thimann, M.C. & Dayal-Gulati M.A. (1997). Saving in Southeast Asia and Latin America compared: searching for policy lessons. International Monetary Fund, sy.
  • Tobin, J. (1958). Estimation of relationships for limited dependent variables. Econometrica: journal of the Econometric Society, 24-36.
  • Torun, M. & Karanfil M. (2016). 1980-2013 dönemi Türkiye ekonomisinde enflasyon ve faiz oranı arasındaki ilişki. Yönetim Bilimleri Dergisi 14(27), 473-490.
  • Üçdoğruk, Ş., Fahamet A. & Hamdi E. (2001). The use of the tobit model in household entertainment and culture expenditures in Turkey. Journal of Faculty of Economics and Administrative Sciences 3(3), 1-13.
  • Yunus, M. (2006). What is Micro credit?, http://www.grameen-info.org/bank/ whatis Microcredit.html
  • Zeng, M., Du J., Zhu X. & Deng X. (2023). Does internet use drive rural household savings? Evidence from 7825 farmer households in rural China. Finance Research Letters 57, 104275.
  • Zengin, S., Yüksel S. & Kartal M.T. (2018). A Study to Determine the Factors Causing Low Household Savings in Turkey. Journal of Yasar University 13(49), 86-100.
  • Zhou, D., Shah T., Ali S., Ahmad W., Din I.U. & Ilyas A. (2019). Factors affecting household food security in rural northern hinterland of Pakistan. Journal of the Saudi Society of Agricultural Sciences 18(2), 201-210. https://doi.org/10.1016/j.jssas.2017.05.003

Türkiye’de Tarım İşletmelerinin Sosyo-Ekonomik Profili ve Tasarruf Davranışları Arasındaki İlişki: Konya İli Örneği

Yıl 2024, Cilt: 27 Sayı: Ek Sayı 2 (Suppl 2), 508 - 520

Kemalettin Ağızan , Zeki Bayramoğlu , Hasan Gökhan Doğan , Yusuf Celik , Zuhal Karakayacı

https://doi.org/10.18016/ksutarimdoga.vi.1491494

Öz

Bu çalışmanın temel amacı kırsal alandaki tarımsal hanehalklarının tasarruf davranışlarına etki eden faktörlerin belirlenmesidir. Bu amaca yönelik olarak Türkiye’de Konya ilinde faaliyet gösteren 268 tarım işletmesiyle anket yapılmıştır. Bu doğrultuda anketler sonucunda tarım işletmelerinin sosyo-ekonomik yapıları ve tasarruf miktarları belirlenmiştir. Türkiye gibi birçok ülkede tarım işletmelerinin sahip oldukları sosyo-ekonomik özellikler göz önünde bulundurulduğunda işletmelerin tamamının tasarruf yapamayacağı ihtimali göz önünde bulundurularak tarım işletmelerinde tasarrufları etkileyen faktörlerin belirlenmesinde tobit model kullanılmıştır. Model sonucunda yaş, aile nüfusu, sermaye, tarımsal gelir, işletme büyüklüğü ve tarım dışı gelir ile işletmelerin tasarruf miktarları üzerinde anlamlı ve pozitif etkisi olduğu belirlenmiştir. Fakat eğitim seviyesi, tecrübe ve sosyal güvence, sağlık durumu, işletme maliyetleri, kredi miktarı ve destekleme miktarının tasarruf miktarı üzerinde anlamlı ama negatif bir etkiye sahip olduğu söylenebilir. İşletmede edilen sonuçlara göre ekonomik büyüme için daha fazla tasarrufu harekete geçirmek için farklı gelir seçenekleri için alternatif kaynakların ihtiyacına işaret edilmektedir. Çünkü kent-kır fark etmeksizin yatırım fonların önemli bir kısmı gayrimenkul veya vasıta fonlarına aktarılmaktadır. Bu sebeple alternatif yatırım araçlarının desteklenerek yaygınlaştırılması gerekmekte olup tasarrufların değerlendirilmesine yönelik politika önerileri hazırlanmıştır.

Anahtar Kelimeler

Kırsal alan Tasarruflar Hane halkı davranışları Tobit regresyon

Proje Numarası

121K160

Kaynakça

  • Abbas, S. (2022). Global warming and export competitiveness of agriculture sector: Evidence from heterogeneous econometric analysis of Pakistan. Environmental Science and Pollution Research 29(23), 34325-34337. https://doi.org/ 10.1007/s11356-022-18562-y
  • Abid, S. & Afridi G.S. (2010). Assessing the household saving pattern of urban and rural households in district Muzaffarabad. Pakistan Journal of Life and Social Sciences 8(2), 137-141.
  • Akgüngör, S., Miran B., Akbay C., Olhan E. & Nergis N. (1999). Estimation of potential consumer demand for environmentally friendly agricultural products in Istanbul, Ankara and Izmir. TEAE Report 3.
  • Akın, T. (2018). The Effects of Savings on Macroeconomic Performance: Theory and the Case of Turkey. Adnan Menderes University Institute of Social Sciences, Department of Economics, Doctoral Thesis, sy.245.
  • Aktas, A., Guner D., Gursel S. & Uysal G. (2010). Structural determinants of household savings in Turkey: 2003-2008. Proje No: sy.123
  • Alessie, R., Angelini V. & van Santen P. (2013). Pension wealth and household savings in Europe: Evidence from SHARELIFE. European Economic Review 63, 308-328. https://doi.org/10.1016/ j.euroecorev.2013.04.009
  • Balassa, L.L. 1992. Hydrated fibrous mats for use in curing cement and concrete, Google Patents.
  • Bernheim, B.D., Garrett D.M. & Maki D.M. (2001). Education and saving:: The long-term effects of high school financial curriculum mandates. Journal of public Economics 80(3), 435-465. https://doi.org/10.1016/S0047-2727(00)00120-1
  • Bozkuş, S. & Üçdoğruk Ş. (2007). Household Savings Preferences: The Case of Turkey. Journal of Finance-Politics & Economic Commentary 45(518), 85.
  • Browning, M. & Lusardi A. (1996). Household saving: Micro theories and micro facts. Journal of Economic literature 34(4), 1797-1855.
  • Burney, N.A. & Khan A.H. (1992). Socio-economic characteristics and household savings: an analysis of the households' saving behaviour in Pakistan. The Pakistan Development Review, 31-48.
  • Cafrı, R. (2009). Analysis of Poverty in Adana Province: An Analysis with Limited Dependent Variable Models. Master Thesis. Çukurova University Institute of Social Sciences. Adana. 113s.
  • Ceritoğlu, E. & Eren O. (2013). The effects of changes in Turkey's population and social structure on household savings. The Central Bank of the Republic of Turkey Economic Notes 24, 1-14.
  • Chamon, M., Liu K. & Prasad E. (2013). Income uncertainty and household savings in China. Journal of Development Economics 105, 164-177. https://doi.org/10.1016/j.jdeveco.2013.07.014
  • Cilasun, S.M. & Kirdar M.G. (2009). A cross-sectional analysis of income, consumption and saving behavior of Turkish household. İktisat, İşletme ve Finans 24(280), 9-46. https://doi.org/10.3848/ iif.2009.280.2791
  • Çelik, Z. (2009). Investigation of Household Income and Saving Tendencies in Adana Province. Unpublished Master's Thesis, Çukurova University Institute of Social Sciences, Adana.
  • Çiçek, A. (2000). Socio-Cultural Factors Affecting Consumption and Saving Tendencies of Families According to Different Income Levels: Elazig Case. Unpublished Master Thesis. Elazig: Firat University, sy.165
  • Çolak, Ö.F. & Öztürkler H. (2012). Determinants of saving: Changes in global saving trends and analyses of household saving trends in Turkey. Bankers Magazine 82, 1-43.
  • Edwards, S. (1996). Why are Latin America's savings rates so low? An international comparative analysis. Journal of Development Economics 51(1), 5-44.
  • Erdem, B.P. (2017). Türkiye’de Hanehalkı Tasarruflarını Etkileyen Faktörler. Ekonomik Modeller ve Stratejik Araştirmalar Genel Müdürlüğü, 2973, 243 sy.
  • Fletschner, D. & Kenney L. (2014). Rural women’s access to financial services: credit, savings, and insurance. Springer, 187-208 sy.
  • Gedela, S.P.R. (2012). Determinants of saving behaviour in rural and tribal households (An empirical analysis of Visakhapatnam District). International Journal of Research in Social Sciences 2(3), 108.
  • Greene, W.H. (2003). Econometric analysis. Pearson Education India, sy.827.
  • Hamaker, C.M. & Patrick G.F. (1996). Farmers and alternative retirement investment strategies. Journal of ASFMRA, 42-51.
  • Hassan, A., Salim R. & Bloch H. (2011). Population age structure, saving, capital flows and the real exchange rate: A survey of the literature. Journal of Economic Surveys 25(4), 708-736.
  • Hayta, A.B. (2008). Analysing the saving and investment tendencies of families. Kastamonu Education Journal 16(2), 345-358.
  • Horioka, C.Y. & Wan J. (2007). The determinants of household saving in China: a dynamic panel analysis of provincial data. Journal of Money, Credit and Banking 39(8), 2077-2096.
  • Jensen, F.E. & Pope R.D. (2004). Agricultural precautionary wealth. Journal of Agricultural and Resource Economics, 17-30.
  • Kanık, Z.B. & Dinç T.D. (2017). Education-savings relationship: An application. Journal of Banking and Insurance Research 2(11), 59-91.
  • Karaaslan, K.Ç., Oktay E. & Alkan Ö. (2022). Determinants of household saving behaviour in Turkey. Sosyoekonomi 30(51), 71-90.
  • Karataş, M. & Gavcar E. (2001). Investigation of Saving Tendencies of Some Occupational Groups The Case of Muğla Province. Dokuz Eylul University Journal of Institute of Social Sciences 3(2), 38-46.
  • Karlan, D., Ratan A.L. & Zinman J. (2014). Savings by and for the Poor: A Research Review and Agenda. Review of Income and Wealth 60(1), 36-78.
  • Kıymaz, T. (2023). Suggestions for Effective Support of Cereal Production for Food Security. Hacettepe University Journal of Faculty of Economics and Administrative Sciences 41(Tarım Özel Sayısı), 61-76.
  • Komal, R. & Abbas F. (2015). Linking financial development, economic growth and energy consumption in Pakistan. Renewable and sustainable energy reviews 44, 211-220.
  • Koskela, E. & Virén M. (1982). Saving and inflation: some international evidence. economics letters 9(4), 337-344.
  • Kulikov, D., Paabut A. & Staehr K. (2007). Factors Affecting Household Saving Behaviour in Estonia. Kroon and Economy, 28-42.
  • Kutlu, G. (2016). Determinants of Household Savings Behavior İn Turkey. İstanbul Technical University, Graduate School of Arts and Social Sciences Department of Economics Programme, sy.103.
  • Lahiri, A.K. (1989). Dynamics of Asian savings: the role of growth and age structure. Staff Papers 36(1), 228-261.
  • Léon, Y. & Rainelli P. (1976). Savings of farmers: A cross-section analysis. European Review of Agricultural Economics 3(4), 501-522.
  • Lidi, B.Y., Amsalu B. & Belina M. (2017). Determinants of Saving Behavior of Farm Households in Rural Ethiopia: The Double Hurdle Approach. Journal of Economics and Sustainable Development 8(19), 33-42.
  • Littlefield, E., Morduch J. & Hashemi S. (2003). Is microfinance an effective strategy to reach the millennium development goals? Focus note 24(2003), 1-11.
  • Loayza, N., Schmidt-Hebbel K. & Servén L. (2000). What drives private saving across the world? Review of Economics and statistics 82(2), 165-181.
  • Mapesa, H.J. (2015). Shaping The Saving Behaviour Of The Rural Poor: Experiences Of Rural Finance Programmes In Tanzania. International Journal of Research in Business Management (IMPACT: IJRBM) 3(2), 47-56.
  • Mishkin, F.S. (2007). The economics of money, banking, and financial markets. Pearson education, sy.745.
  • Mishra, A.K. & Chang H.-H. (2009). Factors affecting precautionary savings of self-employed farm households. Agricultural Finance Review 69(3), 300-313.
  • Modigliani, F. (1970). The life cycle hypothesis of saving and intercountry differences in the saving ratio. Induction, growth and trade, 197-225.
  • Montiel, P.J. & Servén L. (2008). Real exchange rates, saving and growth: Is there a link? World bank policy research working paper(4636).
  • Morduch, J. (2009). Borrowing to save: Perspectives from portfolios of the poor. Financial Access Initiative.
  • Obayelu, O.A. (2013). Determinants of Savings Rate in Rural Nigeria: A Micro Study of Kwara State. Journal for the Advancement of Developing Economies 2(1), 1-18.
  • Özcan, K.M. & Günay A. (2012). Determinants of Private Savings in Turkey. Discussion Paper, Turkish Economic Association, Proje No: sy.24
  • Qi, W.-g., Zhu X.-l. & Zhang Y.-l. (2004). Study of fuzzy neural network control of energy-saving of oil pump. Proceedings of the Csee 6, 026.
  • Sallawu, H., Tanko L., Nmadu J. & Ndanitsa A. (2016). Determinants of income diversification among farm households in niger State, Nigeria. Russian Journal of Agricultural and Socio-Economic Sciences 50(2), 55-65.
  • Schaefer, H.G. (1993). Economic Trend Analysis for Executives and Investors. Praeger Pub Text, sy.221
  • Spence, L.C. & Mapp H.P. (1976). A retirement income simulation model for farm operators. Journal of Agricultural and Applied Economics 8(1), 163-168.
  • Steinert, J.I., Zenker J., Filipiak U., Movsisyan A., Cluver L.D. & Shenderovich Y. (2018). Do saving promotion interventions increase household savings, consumption, and investments in Sub-Saharan Africa? A systematic review and meta-analysis. World Development 104, 238-256. https://doi.org/10.1016/j.worlddev.2017.11.018
  • Strzelecka, A. & Zawadzka D. (2023). Savings as a Source of Financial Energy on the Farm—What Determines the Accumulation of Savings by Agricultural Households? Model Approach. Energies 16(2), 696. https://doi.org/ 10.3390/en16020696
  • Subhashree, N., Narayan S., Padmaja B. & Arundhati M. (2016). Determinants and Pattern of Saving Behavior in Rural Households of Western Odisha: A Micro-Level Analysis. Journal of Economic Policy & Research 12(1), 50-61.
  • Şengür, M. & Taban S. (2016). Income Distribution-Savings Relationship: The Effect of Household Income Type on Savings in Turkey. Anadolu University Journal of Social Sciences 16(1), 49-71.
  • Tan, J., Xu H. & Yu J. (2022). The effect of homeownership on migrant household savings: Evidence from the removal of home purchase restrictions in China. Economic Modelling 106, 105679. https://doi.org/10.1016/ j.econmod. 2021.105679
  • Temel Nalın, H. (2013). Determinants of household saving and portfolio choice behaviour in Turkey. Acta Oeconomica 63(3), 309-331. https://doi.org/ 10.1556/aoecon.63.2013.3.3
  • Thimann, M.C. & Dayal-Gulati M.A. (1997). Saving in Southeast Asia and Latin America compared: searching for policy lessons. International Monetary Fund, sy.
  • Tobin, J. (1958). Estimation of relationships for limited dependent variables. Econometrica: journal of the Econometric Society, 24-36.
  • Torun, M. & Karanfil M. (2016). 1980-2013 dönemi Türkiye ekonomisinde enflasyon ve faiz oranı arasındaki ilişki. Yönetim Bilimleri Dergisi 14(27), 473-490.
  • Üçdoğruk, Ş., Fahamet A. & Hamdi E. (2001). The use of the tobit model in household entertainment and culture expenditures in Turkey. Journal of Faculty of Economics and Administrative Sciences 3(3), 1-13.
  • Yunus, M. (2006). What is Micro credit?, http://www.grameen-info.org/bank/ whatis Microcredit.html
  • Zeng, M., Du J., Zhu X. & Deng X. (2023). Does internet use drive rural household savings? Evidence from 7825 farmer households in rural China. Finance Research Letters 57, 104275.
  • Zengin, S., Yüksel S. & Kartal M.T. (2018). A Study to Determine the Factors Causing Low Household Savings in Turkey. Journal of Yasar University 13(49), 86-100.
  • Zhou, D., Shah T., Ali S., Ahmad W., Din I.U. & Ilyas A. (2019). Factors affecting household food security in rural northern hinterland of Pakistan. Journal of the Saudi Society of Agricultural Sciences 18(2), 201-210. https://doi.org/10.1016/j.jssas.2017.05.003
Toplam 68 adet kaynakça vardır.

Ayrıntılar

Birincil Dil Türkçe
Konular Tarım Politikaları
Bölüm ARAŞTIRMA MAKALESİ (Research Article)
Yazarlar

Kemalettin Ağızan 0000-0002-2340-2614

Zeki Bayramoğlu 0000-0003-3258-3848

Hasan Gökhan Doğan 0000-0002-5303-1770

Yusuf Celik 0000-0002-4249-0541

Zuhal Karakayacı 0000-0003-2933-5608

Proje Numarası 121K160
Erken Görünüm Tarihi 19 Aralık 2024
Yayımlanma Tarihi
Gönderilme Tarihi 28 Mayıs 2024
Kabul Tarihi 29 Ağustos 2024
Yayımlandığı Sayı Yıl 2024Cilt: 27 Sayı: Ek Sayı 2 (Suppl 2)

Kaynak Göster

APA Ağızan, K., Bayramoğlu, Z., Doğan, H. G., Celik, Y., vd. (2024). Türkiye’de Tarım İşletmelerinin Sosyo-Ekonomik Profili ve Tasarruf Davranışları Arasındaki İlişki: Konya İli Örneği. Kahramanmaraş Sütçü İmam Üniversitesi Tarım Ve Doğa Dergisi, 27(Ek Sayı 2 (Suppl 2), 508-520. https://doi.org/10.18016/ksutarimdoga.vi.1491494
 Kapak Resmi İndir

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