Kredi Kartı Kullanımının Kompulsif Satın Almaya Etkisi

Abstract

Tüketiciler alışveriş esnasında finansal sıkıntı çekmediği için ve gelecekte ödeme imkanı sağlamasından dolayı kredi kartı ile kolayca alım yapabilmektedirler. Kişi sahip olmak istediği ürünü, gelecekte ödeme imkanı sağlaması nedeniyle kredi kartı ile alır. Çünkü kişi sahip olamadığı ekonomik güce, kredi kartının sağladığı imkânlar doğrultusunda sahip olur. Bu çalışmanın amacı Türk tüketicilerinin kredi kartı kullanımının kompulsif satın alma üzerindeki etkisini belirlemektir. Çalışmaya yönelik hazırlanan anket 350 kişiye uygulandı ve edit aşamasından sonra 302 anket analize tabi tutuldu.Frekans dağılımları, güvenirlilik analizi, faktör analiz, t-testi ve regresyon analizi yapıldı. Araştırma analizi sonucunda kredi kartı kullanımının kompulsif satın almaya etkisi olduğu tespit edildi.

Keywords

• Kompulsif satın alma
• kredi kartı
• yaş
• gelir
• medeni durum
• cinsiyet

The Effect of Credit Card Usage on Compulsive Buying

Abstract

Consumers are able to make purchases easily with credit cards due to their lack of financial inconvenience during shopping and the opportunity they offer for paying in the future. An individual purchases a product he/she wants to own with a credit card as it allows for paying in the future. Because he/she possesses an economic power he/she does not have in line with the opportunities the credit card provides. The aim of this study is to determine the effect of Turkish consumers’ credit card usage on compulsive buying. The questionnaire which was prepared for the study was implemented on 350 people and 302 questionnaires were subjected to analysis after the editing phase. Frequency distribution, reliability analysis, factor analysis, t-test and regression analysis were carried out. As a result of the research analysis, it was concluded that credit card usage had an effect on compulsive buying.

Keywords

• Compulsive buying
• credit card
• age
• income
• marital status
• gender

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