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


  • Rüştü YAYAR
  • Süleyman Serdar KARACA


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.

Suggested Citation

  • Rüştü YAYAR & Süleyman Serdar KARACA, 2012. "Identifying The Factors Affecting The Consumer Credit Card Ownership: Empirical Evidence From Turkey," Journal of Applied Economic Sciences, Spiru Haret University, Faculty of Financial Management and Accounting Craiova, vol. 7(2(20)/ Su), pages 195-204.
  • Handle: RePEc:ush:jaessh:v:7:y:2012:i:2(20)_summer2012:p:204

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    References listed on IDEAS

    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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    Cited by:

    1. Alessandra Amendola & Alfonso Pellecchia & Luca Sensini, 2016. "Factors Driving the Credit Card Ownership in Italy," International Business Research, Canadian Center of Science and Education, vol. 9(6), pages 131-142, June.

    More about this item


    credit card ownership; consumer; socio-economic factors; logit model; Turkey;

    JEL classification:

    • D12 - Microeconomics - - Household Behavior - - - Consumer Economics: Empirical Analysis
    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • C35 - Mathematical and Quantitative Methods - - Multiple or Simultaneous Equation Models; Multiple Variables - - - Discrete Regression and Qualitative Choice Models; Discrete Regressors; Proportions


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