Döviz Almak ya da Almamak: Kaçırma Korkusu, Plansız Satın Alma Davranışı ve Satın Alma Sonrası Pişmanlık Arasındaki Etkileşim
Özet
Son altı ay içinde Türk lirasına karşı döviz kurlarında yaşanan ani yükselişler ve bireylerin özellikle birbirlerinin döviz satın alma davranışlarından etkilenerek daha fazla döviz satın alma davranışına yönelmeleri dikkat çekmiştir. Bu kapsamda bu çalışma, kaçırma korkusu, plansız satın alma davranışı ve satın alma sonrası pişmanlık arasındaki ilişkiyi bireylerin döviz satın alma davranışları çerçevesinde incelemeyi amaçlamaktadır. Çalışmada kaçırma korkusu bağımsız değişken olarak belirlenirken, plansız satın alma davranışı, kaçırma korkusu ve satın alma sonrası pişmanlık arasındaki ilişkide aracı değişken olarak belirlenmiştir. Çalışmanın örneklemine kolayda örnekleme yolu ile ulaşılmış ve veriler 392 katılımcıdan toplanmıştır. Değişkenler arasındaki ilişkileri analiz etmek için yapısal eşitlik modelinden faydalanılmıştır. Çalışmanın bulguları, kaçırma korkusunun, plansız döviz satın alma davranışı ve satın alma sonrası pişmanlığı anlamlı ve olumlu yönde etkilediğini; plansız döviz satın alma davranışının ise satın alma sonrası pişmanlığı anlamlı ve olumlu yönde etkilediğini göstermiştir. Ayrıca elde edilen bulgular, plansız döviz satın alma davranışının, kaçırma korkusu ve satın alma sonrası pişmanlık arasındaki ilişkide kısmi aracılık etkisinin bulunduğunu göstermiştir. Bulgular, son altı ay içinde döviz satın alımı gerçekleştirmiş bireylerin satın alma davranışlarının anlaşılmasına ışık tutarken, bireylerin gelecekteki döviz satın alma davranışlarını daha planlı şekilde gerçekleştirmelerine katkı sağlamaktadır.
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