Understanding the Psychological and Financial Correlates for Consumer Credit Use

Yıl 2024, Cilt: 32 Sayı: 59, 31 - 48, 31.01.2024

Tuna Cakar , Türkay Şahin , Seyit Ertuğrul , Alperen Sayar

https://doi.org/10.17233/sosyoekonomi.2024.01.02

Öz

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.

Anahtar Kelimeler

Consumer Credit, Behavioural Economics, Financial Literacy, Consumer Behaviour, Factoring

Destekleyen Kurum

MEF Üniversitesi

Proje Numarası

E-47749665-050.01.04-893

Teşekkür

We appreciate all our participants who had a participation in these surveys on a voluntary basis. Moreover, we would like to thank the CEO of Tam Factoring, Hakan Karamanlı, for the project idea and his effort on the different stages of this project

Tüketici Kredisi Kullanımının Altında Yatan Psikolojik ve Finansal Değişkenleri Anlamak

Öz

Bu çalışma, tüketici kredisi kullanımını etkileyen davranışsal ve bilişsel faktörleri araştıran ilk çalışmalardan biridir. Araştırmanın sonuçları, bir faktöring şirketi için daha doğru ve etkili bir kredi risk değerlendirme prosedürü geliştirmek için kullanılabilecek önemli bilgiler sağlamaktadır. Bu tür bir prosedür, finansal kurumların risklerini azaltmasına ve tüketicilerin finansal refahını artırmasına yardımcı olabilir. Çalışmanın sonuçları ayrıca, tüketici kredisi kullanımını etkileyen faktörler hakkında daha fazla anlayış sağlamaktadır. Bu bilgiler, tüketicilerin daha sorumlu kredi kullanımı yapmalarına yardımcı olacak müdahalelerin geliştirilmesinde kullanılabilir. Sonuç olarak, bu çalışma, tüketici kredisi kullanımı konusunda önemli bir katkı sağlamaktadır. Araştırmanın sonuçları hem finans kurumları hem de tüketiciler için faydalı olabilir.

Anahtar Kelimeler

Tüketici Kredisi, Finansal Okuryazarlık, Tüketici Davranışı, Faktoring

Proje Numarası

E-47749665-050.01.04-893

Kaynakça

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