Bireysel Emeklilik Sistemi’ne Giriş Kararlarını Belirleyen Etmenler: Devlet ve Vakıf Üniversitelerinde Çalışan Akademisyenlerin Karşılaştırılması

Abstract

This study aimed to determine the factors that affect academicians’ decision to participate in the Individual Pension System. They will be analysed separately as a foundation university or public university. For this purpose, 405 academicians participated in a survey. The survey consisted of 18 statements and with the help of factor analysis; these statements were divided into three different dimensions. These dimensions were (1) Saving Habits and Investment, (2) Financial Literacy Level, and (3) Future Anxiety and Assurance. The answers given were analysed using a Logistic Regression Model. The results of the data for public university employees showed that the variables of the habit of saving, investment, financial literacy, future anxiety and assurance, gender, and experience affected an academics’ decision to enter the Individual Pension System. At the same time, this model correctly predicted that public university academicians with individual pensions, with a success rate of 83.7%. On the other hand, according to the data analysed for foundation university employees, the variables of the habit of saving and investment, financial literacy and age affected academics’ decision to enter the Individual Pension System. This model correctly predicted foundation university academicians with individual pensions, with a success rate of 77.1%.