Understanding the Psychological and Financial Correlates for Consumer Credit Use;
| dc.contributor.author | Ertuğrul, Seyit | |
| dc.contributor.author | Sayar, Alperen | |
| dc.contributor.author | Şahin, Türkay | |
| dc.contributor.author | Çakar,Tuna | |
| dc.date.accessioned | 2024-02-28T12:04:16Z | |
| dc.date.available | 2024-02-28T12:04:16Z | |
| dc.date.issued | 2024 | |
| dc.description.abstract | This study investigated the behavioural and cognitive predictors of consumer credit usage to develop a behavioural credit risk assessment procedure for a factoring company. Participants completed surveys measuring personality traits, self-esteem, material and monetary values, compulsive and impulsive buying tendencies, self-control, and impulsiveness. Financial surveys also assessed financial literacy and knowledge of financial concepts. The results indicated that extraversion, conscientiousness, emotional stability, and experiential self-control were significant predictors of consumer credit usage. These findings suggest that a finance company can use these personality traits and financial characteristics to develop a more accurate and effective credit risk assessment procedure, such as psychometric tests. © 2024, Sosyoekonomi Society. All rights reserved. | |
| dc.identifier.citation | Cakar, T., Sahin, T., Ertugrul, S., Sayar, A. (Ocak 2024). Understanding the psychological and financial correlates for consumer credit use. Sosyoekonomi. 32(59). pp. 31-48. | |
| dc.identifier.doi | 10.17233/sosyoekonomi.2024.01.02 | |
| dc.identifier.issn | 1305-5577 | |
| dc.identifier.scopus | 2-s2.0-85192015375 | |
| dc.identifier.uri | https://doi.org/10.17233/sosyoekonomi.2024.01.02 | |
| dc.identifier.uri | https://hdl.handle.net/20.500.11779/2253 | |
| dc.language.iso | en | |
| dc.publisher | Sosyoekonomi Society | |
| dc.relation.ispartof | Sosyoekonomi | |
| dc.rights | info:eu-repo/semantics/openAccess | |
| dc.subject | Consumer behaviour | |
| dc.subject | Behavioural economics | |
| dc.subject | Financial literacy | |
| dc.subject | Factoring | |
| dc.subject | Consumer credit | |
| dc.title | Understanding the Psychological and Financial Correlates for Consumer Credit Use; | |
| dc.title.alternative | Tüketici Kredisi Kullanımının Altında Yatan Psikolojik ve Finansal Değişkenleri Anlamak | |
| dc.type | Article | |
| dspace.entity.type | Publication | |
| gdc.author.id | Tuna Çakar / 0000-0001-8594-7399 | |
| gdc.author.id | Türkay Şahin / 0000-0002-7722-7233 | |
| gdc.author.id | Seyit Ertuğrul / 0000-0003-0828-7336 | |
| gdc.author.id | Alperen Sayar / 0000-0001-6089-2547 | |
| gdc.author.institutional | Çakar, Tuna | |
| gdc.author.institutional | Şahin, Türkay | |
| gdc.author.institutional | Ertuğrul, Seyit | |
| gdc.author.institutional | Sayar, Alperen | |
| gdc.author.scopusid | 56329345400 | |
| gdc.author.scopusid | 57963550900 | |
| gdc.author.scopusid | 57905176100 | |
| gdc.author.scopusid | 57904383300 | |
| gdc.bip.impulseclass | C5 | |
| gdc.bip.influenceclass | C5 | |
| gdc.bip.popularityclass | C5 | |
| gdc.coar.access | open access | |
| gdc.coar.type | text::journal::journal article | |
| gdc.description.department | Mühendislik Fakültesi, Bilgisayar Mühendisliği Bölümü | |
| gdc.description.endpage | 48 | |
| gdc.description.issue | 59 | |
| gdc.description.publicationcategory | Makale - Uluslararası Hakemli Dergi - Kurum Öğretim Elemanı | |
| gdc.description.scopusquality | Q4 | |
| gdc.description.startpage | 31 | |
| gdc.description.volume | 32 | |
| gdc.description.woscitationindex | Emerging Sources Citation Index | |
| gdc.description.wosquality | Q4 | |
| gdc.identifier.openalex | W4391251674 | |
| gdc.identifier.trdizinid | 1224189 | |
| gdc.identifier.wos | WOS:001157869400002 | |
| gdc.index.type | WoS | |
| gdc.index.type | Scopus | |
| gdc.index.type | TR-Dizin | |
| gdc.oaire.accesstype | GOLD | |
| gdc.oaire.diamondjournal | false | |
| gdc.oaire.impulse | 0.0 | |
| gdc.oaire.influence | 2.5942106E-9 | |
| gdc.oaire.isgreen | true | |
| gdc.oaire.keywords | Factoring | |
| gdc.oaire.keywords | Behavioural Economics | |
| gdc.oaire.keywords | Economics | |
| gdc.oaire.keywords | Finansal Okuryazarlık | |
| gdc.oaire.keywords | Tüketici Kredisi | |
| gdc.oaire.keywords | Faktoring | |
| gdc.oaire.keywords | Financial Literacy | |
| gdc.oaire.keywords | Tüketici Kredisi;Finansal Okuryazarlık;Tüketici Davranışı;Faktoring | |
| gdc.oaire.keywords | Consumer Behaviour | |
| gdc.oaire.keywords | Consumer Credit;Behavioural Economics;Financial Literacy;Consumer Behaviour;Factoring | |
| gdc.oaire.keywords | Ekonomi | |
| gdc.oaire.keywords | Tüketici Davranışı | |
| gdc.oaire.keywords | Consumer Credit | |
| gdc.oaire.popularity | 2.9478422E-9 | |
| gdc.oaire.publicfunded | false | |
| gdc.openalex.collaboration | National | |
| gdc.openalex.fwci | 1.73443452 | |
| gdc.openalex.normalizedpercentile | 0.74 | |
| gdc.openalex.toppercent | TOP 10% | |
| gdc.opencitations.count | 0 | |
| gdc.plumx.mendeley | 20 | |
| gdc.plumx.scopuscites | 1 | |
| gdc.publishedmonth | Ocak | |
| gdc.scopus.citedcount | 1 | |
| gdc.virtual.author | Çakar, Tuna | |
| gdc.wos.citedcount | 1 | |
| gdc.wos.collaboration | Uluslararası işbirliği ile yapılmayan - HAYIR | |
| gdc.wos.documenttype | Article | |
| gdc.wos.indexdate | 2024 | |
| gdc.wos.publishedmonth | Ocak | |
| gdc.yokperiod | YÖK - 2023-24 | |
| relation.isAuthorOfPublication | 10f8ce3b-94c2-40f0-9381-0725723768fe | |
| relation.isAuthorOfPublication.latestForDiscovery | 10f8ce3b-94c2-40f0-9381-0725723768fe | |
| relation.isOrgUnitOfPublication | 05ffa8cd-2a88-4676-8d3b-fc30eba0b7f3 | |
| relation.isOrgUnitOfPublication | 0d54cd31-4133-46d5-b5cc-280b2c077ac3 | |
| relation.isOrgUnitOfPublication | a6e60d5c-b0c7-474a-b49b-284dc710c078 | |
| relation.isOrgUnitOfPublication.latestForDiscovery | 05ffa8cd-2a88-4676-8d3b-fc30eba0b7f3 |
Files
Original bundle
1 - 1 of 1