Abdurrahman Nazif Çatık Ege University Turkey   Ege Universitesi IIBF Iktisat Bolumu Bornova, Izmir 35100 Turkey   a.nazif.catik@ege.edu.tr             JEL Areas: E5 : Monetary Policy, Central Banking, and the Supply of Money and Credit: General R2 : Urban, Rural, and Regional Economics: Household Analysis: General