Özet:

The division of household income between consumption and savings is an important economic decision that affects the country’s economy. Today, the dynamic choice of consumers and the changes that may occur in socio-economic factors have a significant impact on the decision on consumption and savings, creating significant outcomes on the country’s economy. The preferences between household consumption and savings and the reasons affecting these behaviors give different results for income groups. The aim of the study is to investigate the trend of household savings in Turkey by using the 2003-2013 year HBA (Human Budget Survey) data set, which the Turkish Statistical Bureau (TÜIK) has done. As an econometric method, Dilim Regression technique has been used, and low, medium and high-income household savings trends have been studied through different fields and the different parameters results provided for each field estimate have different effects. According to the results of the econometric analysis, high-educated parents with health insurance have not seen positive savings in families with no careful concern when the variables, such as wealth elements, are studied, while in families with a survival level and without a future assurance, a positive savings trend has been seen for careful purposes. An attractive characteristic was also found in age change. People continue to save in the age period, whether with caution or with the motivation to leave the inheritance.

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