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Türkiye’de 2003 yılında faaliyete geçen Bireysel Emeklilik Sistemi’ne yönelik algı ve bireylerin sistemle ilgili temel bilgi düzeylerinin ölçülmesi, bu çalışmanın amacıdır. Çalışmada anket soruları için frekans analizleri yapılmış ve anketteki ilgili sorular arasında istatistiksel anlamda ilişki olup olmadığı ki-kare testleri ile incelenmiştir. Çalışmanın bulguları şu şekildedir: I) Sisteme katılımın en önemli nedenleri gelecek için güvence sağlamak, emeklilikte ek gelir elde etmek ve otomatik katılımdır. II) Sisteme katılmamanın en önemli gerekçeleri, sistemin olumlu yanları ile ilgili yeterince bilgi sahibi olmamak ve tasarruf yapma imkânının olmamasıdır. III) Sistemden ayrılmanın en önemli nedenleri ise katılımcıların paraya ihtiyaç duyması ve otomatik katılım ile kendi istekleri dışında sisteme dâhil edilmiş olmasıdır. IV) Sistemin büyümesinin önündeki en önemli engel emeklilik sistemine ve şirketlerine güvenilmemesidir. Çalışma sonucunda emeklilik sisteminin büyüyebilmesi için sistemin kapsamlı bir tanıtımının yapılarak güven sorunun ortadan kaldırılması gerektiği sonucuna varılmıştır. Böylece tasarrufların ekonomiye kazandırılmış olacaktır.
The purpose of this study is to measure the perception of the Individual Pension System in Turkey in 2003 and the basic level of information of individuals about the system. In the study, the frequency analysis for the survey questions was made and the survey examined with the quarter tests whether there is a relationship in the statistical sense between the relevant questions in the survey. The findings of the study are as follows: I) The main reasons for participation in the system are to provide future security, to obtain additional income in retirement and to automatically participate. The main reason for the failure to participate in the system is the lack of sufficient knowledge of the positive aspects of the system and the lack of the possibility of saving. The main reason for the departure from the system is that the participants need money and have automatic participation and have been included in the system outside their own desires. The most important obstacle to the growth of the system is the failure to trust the pension system and the companies. The study concluded that a comprehensive promotion of the system should be made to eliminate the problem of confidence in order to grow the pension system. The savings will be made to the economy.
This study aims to measure the perception of the Individual Pension System, which became operational in Turkey in 2003, and the basic knowledge level of individuals about the system. In the study, frequency analyses were made for the survey and, whether there was a statistical relationship between the related questions in the questionnaire was examined by chi-square tests. The findings are as follows: I) The most important reasons for participation in the system are providing security for the future, obtaining additional income in retirement, and automatic participation. II) The most important reasons for not participating in the system are not having enough information about the positive aspects of the system and not being able to make savings. III) The most important reasons for leaving the system are that the participants need money and are automatically included in the system without their request. IV) The most important obstacle to the growth of the system is the lack of trust in the pension system and its companies. As a result of the study, it was concluded that for the pension system to grow, a comprehensive introduction of the system should be made and the problem of trust should be eliminated. Thus, savings will be brought into the economy.
Alan : Sosyal, Beşeri ve İdari Bilimler
Dergi Türü : Uluslararası
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