Özet:

Family life cycle is a long process from marriage to birth, education of children, their having a profession, leaving home and death of one of spouses.In this process, life period of families affects demands and needs of families and creates differences in spending and borrowing patterns of them. This study aims to determine borrowing forms, borrowing reasons, borrowing expense types, places to borrow and borrowing patterns of families within different life cycles. The study was conducted on N=440 families living in different districts of Ankara, capital of Turkey. The study group was selected with random sampling method. The research data were collected by face-to-face interviews with people who were responsible for income management in family based on the questionnaire form. SPSS 15.0 package program was used to assess the data. According to the research results, more than half of the families (73.4%) borrow; they borrow due to unconscious credit card use (42.7%), the first place to borrow is financial institutions (64.7%) (p < 0.01; p < 0.05). It was found that in all of the three family life cycles, borrowing rates in the expenses of food, health, education, durable consumer goods, cultural and entertainment differ by life cycles

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