Turkiye’de Hanehalki Tasarruflarinin Belirleyicileri

[TR] Turkiye’de yurt ici tasarruflarin yatirimlarin gerisinde kalmasi sonucu buyumenin kaynagi olan yatirimlar daha cok dis tasarruflar ile finanse edilmektedir. Yuksek ve surdurulebilir buyumenin saglanmasi ile dis kaynaklara olan bagimliligin azaltilmasinda yurt ici tasarruflarin artirilmasi oldukca onemlidir. Bu calismanin temel amaci, Turkiye’de hanehalki tasarruflari uzerinde etkili olan faktorlerin belirlenmesidir. Hanehalki tasarruflari zaman icerisinde onemli miktarda azalmaktadir. Bu azalista daha cok dayanikli tuketim mallari icinde ulastirma ve haberlesmeye iliskin harcamalar etkili olmaktadir. Tasarruf yapan hanehalklari daha cok banka hesabi ve ise yapilan yatirim araclarini tercih etmektedir. Hanehalki tasarruf oranlari uzerinde en cok gelir etkili olmaktadir. Hanede calisan kadin oranindaki artis ile oturulan konuta sahip olunmasi hanehalki tasarruf oranlarini pozitif etkilerken, ikinci konut, arsa sahipligi gibi durumlar ise hanehalki tasarruflarini negatif etkilemektedir. [EN]As a result of the investment remaining behind the savings in Turkey, investments that are the source of the growth are mostly financed by external savings. Increasing domestic savings is a very important issue for ensuring high and sustainable growth and reducing dependence on external resources. The main aim of this study is to determine the factors that impact on household savings in Turkey. Household savings have decreased significantly over time. This decrease is mainly driven by transport and communication expenditures in the durable consumer goods group. Households with positive savings usually direct their savings to bank accounts and investment for business more. It is found that the influential factor on household saving rate is income. It is observed that an increase in the proportion of women working in households and possession of an estate affect household savings rate positively. Second housing and land ownership negatively affect household savings.