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Identifying The Factors Affecting The Consumer Credit Card Ownership: Empirical Evidence From Turkey

Listed author(s):
  • Rüştü YAYAR
  • Süleyman Serdar KARACA
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    In this study, factors that determine consumers’ ownership of credit card have been analyzed using Binom Logit Model. For this purpose, 18 and over population was taken into consideration with the questionnaire method in Sivas, a province in Turkey, in 2011. Sample size was determined with Probability Sampling Method. Dependent variable of the study is to have or not to have a credit card. Independent variables include consumers’ social, economic and demographical attributes. It has been determined that upon credit card ownership; variables including gender, education level and age of household head, marital status, employment of housewife, the number of people in the family with an income, usefulness of the credit card and payment of debts on time have statistically important effects.

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    Article provided by Spiru Haret University, Faculty of Financial Management and Accounting Craiova in its journal Journal of Applied Economic Sciences.

    Volume (Year): 7 (2012)
    Issue (Month): 2(20)/ Summer 2012 ()
    Pages: 195-204

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    Handle: RePEc:ush:jaessh:v:7:y:2012:i:2(20)_summer2012:p:204
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    1. Yiing Jia Loke & Steven T. Yen & Andrew K. G. Tan, 2011. "Credit Card Averters and Amassers: Evidence from Malaysia," Asian Economic Journal, East Asian Economic Association, vol. 25(4), pages 397-412, December.
    2. White, Kenneth J, 1975. " Consumer Choice and Use of Bank Credit Cards: A Model and Cross-Section Results," Journal of Consumer Research, Oxford University Press, vol. 2(1), pages 10-18, June.
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