Özet:

Objective - The subject of savings in general economic thinking plays a key role for development and growth. The country’s achievement of a high level of income balance is largely due to the increase in investments. In the business sector, the household sector has the highest savings share. Therefore, it becomes a necessity to examine the savings behavior of their households. The aim of this study is to investigate the determiners of their preferences regarding savings and savings of households. Method - Research, using the 2017 Household Budget Survey published by the Turkish Statistical Bureau (TÜIK), the Ardışık Logit Model and the households’ savings and savings preferences have been studied. When determining the dependent variables of the model, the households in the data set are divided into two groups as the households that first save and not do. The savings of the households are divided into three categories as investors in real estate, gold and currency, and other valuable values. The findings - The research finds that the owners of housing and car owners tend to make more savings than the non-owners. The variables of housing, private insurance, monthly spending, household size, age and working time have been statistically important (P<0.05 for each variable). In addition, having a private insurance of the variables that influence the investment in gold or currency, the monthly spending, the size of the household, the age has been statistically important (P<0.05 for each variable). In terms of marginal effects, it is important for individuals to increase their savings as they age and the increased possibility of saving for real estate and currency and gold in terms of savings. Discussions - In addition to the savings channels and real estate that individuals in Turkey see traditional and unrisk, it is necessary to create awareness to save through diversification in financial instruments and to increase financial literacy due to education.

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