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Determinants of Households' Saving Preferences: Application of Nested Logit Model to Turkey Example
(Alanya Alaaddin Keykubat Üniversitesi, 2023) Karaaslan, Kübranur Çebi; Oktay, Erkan; Karaaslan, Abdulkerim; Alkan, Ömer
Savings, which are the most important building blocks of economic activity, are very important for all decision units. Among the decision units, households support sustainable growth and economic development through their savings. This economic impact of household savings depends not only on how much is saved, but also on how these savings are evaluated. Do households save and, if so, where do they put their savings? The answers to these questions formed the motivation of the study. The comprehensive data set of the study was obtained from the Turkish Statistical Institute. In the study, the nested logit model was used, which allows to examine simultaneously both the factors affecting the state of saving and the factors affecting where the savings will be evaluated. According to the results of the study, it has been determined that demographic, economic factors, housing characteristics and social-environmental indicators are effective on the savings preferences of the households. Determining the effects of these features will guide policy makers to explain household saving preferences and evaluate household savings accurately in the system.