AN INVESTIGATION AIMING AT THE RELATIONSHIP BETWEEN PREFERENCE OF CREDIT USAGE AND CONSIDERATION OF FUTURE / IMMEDIATE CONSEQUENCES AS PERSONALITY TRAITS

Abstract

This study aims at determining whether the tendency to consider future or immediate consequences, which is rather a new subject in local literature, influences individuals‟ preferences to use credits. For this purpose, it was attempted to examine whether individuals used credit before, considered taking a bank loan in the near future, the purposes of credit usage and the terms they preferred when using credits. Afterwards, whether these findings are related with the relevant personality trait was tried to be determined by using Chi square analysis. The results of the research show that there is a significant relationship between credit usage preferences and the consideration of future consequences or immediate consequences according to the set hypotheses

Keywords

• Personality,Consideration Of Future/Immediate Consequences,Credit Usage

Gelecekteki / Anlık Sonuçları Önemseme, Kişilik Özelliğinin Kredi Kullanma Tercihleri İle İlişkisine Yönelik Bir Araştırma

Öz

Bu çalışmanın amacı, yerli literatürde üzerinde oldukça yeni çalışılan bir kişilik özelliği olan gelecekteki sonuçları önemseme / anlık sonuçlara önemseme eğiliminin bireylerin kredi kullanma tercihlerini etkileyip etkilemediğini tespit edebilmektir. Bu amaç kapsamında bireylerin daha önce kredi kullanıp kullanmadıkları, yakın zamanda kredi kullanmayı düşünüp düşünmedikleri, kredi kullanma amaçları ve kredi kullanırken tercih ettikleri vadeler sorgulanmıştır. Daha sonra bu bulguların ilgili kişilik özelliği ile ilişkili olup olmadığı yapılan ki-kare analizi ile belirlenmeye çalışılmıştır. Araştırmanın sonuçları, bahsedilen kredi kullanma tercihlerinin gelecekteki sonuçları önemseme ve anlık sonuçları önemseme kişilik özellikleri ile kurulan hipotezler yönünde anlamlı ilişkilerinin olduğunu göstermektedir.

Anahtar Kelimeler

• Kişilik,Gelecekteki/Anlık Sonuçları Önemseme,Kredi Kullanımı

Kaynakça

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