Financial Fragility of Household Economies in the Context of Income, Poverty, and Education: The Case of Turkey (2009–2024)

Authors : Muhammed Mustafa Tuncer Çalışkan

Pages : 1897-1925

Doi:10.17494/ogusbd.1720866

View : 75 | Download : 197

Publication Date : 2025-12-30

Article Type : Research Paper

Abstract :This study examines household financial fragility in Turkey between 2009 and 2024 using a multidimensional framework. Drawing on indicators such as income poverty, housing tenure, education level, consumption deprivation, and debt burden, it identifies the structural persistence of fragility over time. The findings reveal heightened fragility among female-headed households, families with children, and individuals with low educational attainment. Declining homeownership and limited capacity to cope with unexpected expenses further illustrate the erosion of household resilience. The results suggest that growth-oriented policies have fallen short in addressing entrenched vulnerabilities. Accordingly, the study underscores the need for rights-based, multidimensional policy interventions that integrate income, education, care responsibilities, and housing as interrelated pillars of household economic security.
Keywords : Finansal kırılganlık, gelir yoksulluğu, eğitim düzeyi, hanehalkı kırılganlığı, Türkiye

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