Please use this identifier to cite or link to this item:
https://hdl.handle.net/20.500.11779/2253
Title: | Understanding the Psychological and Financial Correlates for Consumer Credit Use; | Other Titles: | Tüketici Kredisi Kullanımının Altında Yatan Psikolojik ve Finansal Değişkenleri Anlamak | Authors: | Çakar,T. Şahin,T. Ertuğru,S. Sayar,A. |
Keywords: | Behavioural Economics Consumer Behaviour Consumer Credit Factoring Financial Literacy |
Publisher: | Sosyoekonomi Society | Source: | 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. | 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. | URI: | https://doi.org/10.17233/sosyoekonomi.2024.01.02 | ISSN: | 1305-5577 |
Appears in Collections: | Bilgisayar Mühendisliği Bölümü koleksiyonu Scopus İndeksli Yayınlar Koleksiyonu / Scopus Indexed Publications Collection TR-Dizin İndeksli Yayınlar Koleksiyonu / TR Dizin Indexed Publications Collection WoS İndeksli Yayınlar Koleksiyonu / WoS Indexed Publications Collection |
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