Download or read book Consumer Attitude Toward Credit and Its Use written by Edith N. Gunnell and published by . This book was released on 1981 with total page 76 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Consumer Attitude Toward Credit and Its Use written by Edith N. Gunnell and published by . This book was released on 1981* with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Effects of Consumer Education on Low income Consumers Attitudes Toward Credit and Their Use of a Bank Credit Card written by Robert Harris Flashman and published by . This book was released on 1976 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Consumer Attitudes Toward Credit Insurance written by John M. Barron and published by Springer Science & Business Media. This book was released on 1996 with total page 186 pages. Available in PDF, EPUB and Kindle. Book excerpt: Consumer Attitudes Toward Credit Insurance provides the findings of a survey of approximately 3600 individuals who had the opportunity to purchase credit life insurance in conjunction with all types of consumer loans, except first mortgages and credit cards. The survey that forms the basis of the book was conducted in 1993 by the Credit Research Center at Purdue University's Krannert Graduate School of Management. It replicates and expands upon four previous national studies of credit insurance consumers, done between 1970 and 1985. Despite the generally positive findings of prior research with respect to consumer attitudes toward credit insurance, several open questions remain of interest to policy makers, specifically the question of whether coercion is involved in the sale of the insurance. Consumer Attitudes Toward Credit Insurance addresses these outstanding issues. It presents a profile of who is currently being served by the credit insurance market, as well as the reasons borrowers purchase the product and their experience with the offer of credit insurance at point of sale.

Download or read book A Survey of Consumer Attitudes Toward the Use of Credit and Borrowing of Money written by John Kobel and published by . This book was released on 1970 with total page 120 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Consumer Attitudes Toward Credit buying and the Shopper s Plan Credit Program written by Richard John Newbery and published by . This book was released on 1967 with total page 228 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Consumer Credit Attitudes Knowledge and Use by High School Juniors and Seniors in Rio Blanco County Colorado written by Laurel Covington Kubin and published by . This book was released on 1978 with total page 146 pages. Available in PDF, EPUB and Kindle. Book excerpt: The purpose of this research was to study teenagers' consumer credit attitudes, knowledge, and use. More specifically, the objectives were (1) to determine the relationships between the variables attitudes, knowledge, and use, and (2) to compare the use of credit with the independent variables sex, income, employment, spending, saving, and parents' income level. The researcher administered a questionnaire to high school juniors and seniors in a rural area of Colorado to obtain a sample of 181 students. The questionnaire consisted of (1) a series of positive and negative statements about credit to determine attitude, (2) a test for knowledge about credit, and (3) questions regarding use of credit and demographic information. Of the 181 students, 52 percent were males and 48 percent were females. Average age was 17 years, with 47 percent of the students being juniors, and 51 percent being seniors. Two percent did not give grade level. The students reported a mean income of $26.19 per week with the primary source of income coming from employment outside the home. Eighty six percent of the students had a job the previous summer. The students spent an average of $12.88 per week, presumably leaving a sum which could be saved. Only 22 percent reported that they hadnot saved any amount during the previous year. Further education and an automobile were the most frequently reported goals for saving. Credit attitude scores ranged from an unfavorable score of 12 to a favorable score of 47 with a mean attitude score of 30. The most favorable score possible was 51. Unfavorable attitudes were held by 36 percent of the students, 30 percent held neutral attitudes, and 34 percent held favorable attitudes toward credit. The students liked credit for its convenience and use in emergencies. They disliked paying the bills when they came due and were wary of the ease of over-spending. Of a possible perfect score of 34 on the knowledge test, the students' scores ranged from 10 to 30, with a mean score of 22. The students had received their knowledge of credit from a variety of sources, including both formal and informal education. Parents were cited as a source of knowledge by 87 percent of the students. Only 36.5 percent reported learning about credit in the classroom. Eighty three percent of the students reported having used some form of credit with parents' store charge accounts being the most used form. Credit was used an average of twice per month by the students. Of the types of credit cards used, the parents' gasoline credit card was the most frequently used. Affirmative responses were given by 39.8 percent of the students when they were asked if their parents approved of their use of credit. Nine hypotheses in the null form were tested with the rejection level set at .05. Hypotheses not rejected at the .05 level included: (1) no relationship between attitudes and use of credit, (2) no relationship between knowledge and use of credit, and (3) no relationship between use of credit and the variables sex, income, employment, savings, or parents' level of income. A positive relationship was found between knowledge and attitude toward credit. A significant positive relationship was also found to exist between teenage use of credit and spending.

Download or read book A Comparative Study of Consumers Attitudes Toward the Use of Credit written by James H. Donnelly and published by . This book was released on 1973 with total page 8 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Consumer Credit and the American Economy written by Thomas A. Durkin and published by . This book was released on 2014 with total page 737 pages. Available in PDF, EPUB and Kindle. Book excerpt: Consumer Credit and the American Economy examines the economics, behavioral science, sociology, history, institutions, law, and regulation of consumer credit in the United States. After discussing the origins and various kinds of consumer credit available in today's marketplace, this book reviews at some length the long run growth of consumer credit to explore the widely held belief that somehow consumer credit has risen "too fast for too long." It then turns to demand and supply with chapters discussing neoclassical theories of demand, new behavioral economics, and evidence on production costs and why consumer credit might seem expensive compared to some other kinds of credit like government finance. This discussion includes review of the economics of risk management and funding sources, as well discussion of the economic theory of why some people might be limited in their credit search, the phenomenon of credit rationing. This examination includes review of issues of risk management through mathematical methods of borrower screening known as credit scoring and financial market sources of funding for offerings of consumer credit. The book then discusses technological change in credit granting. It examines how modern automated information systems called credit reporting agencies, or more popularly "credit bureaus," reduce the costs of information acquisition and permit greater credit availability at less cost. This discussion is followed by examination of the logical offspring of technology, the ubiquitous credit card that permits consumers access to both payments and credit services worldwide virtually instantly. After a chapter on institutions that have arisen to supply credit to individuals for whom mainstream credit is often unavailable, including "payday loans" and other small dollar sources of loans, discussion turns to legal structure and the regulation of consumer credit. There are separate chapters on the theories behind the two main thrusts of federal regulation to this point, fairness for all and financial disclosure. Following these chapters, there is another on state regulation that has long focused on marketplace access and pricing. Before a final concluding chapter, another chapter focuses on two noncredit marketplace products that are closely related to credit. The first of them, debt protection including credit insurance and other forms of credit protection, is economically a complement. The second product, consumer leasing, is a substitute for credit use in many situations, especially involving acquisition of automobiles. This chapter is followed by a full review of consumer bankruptcy, what happens in the worst of cases when consumers find themselves unable to repay their loans. Because of the importance of consumer credit in consumers' financial affairs, the intended audience includes anyone interested in these issues, not only specialists who spend much of their time focused on them. For this reason, the authors have carefully avoided academic jargon and the mathematics that is the modern language of economics. It also examines the psychological, sociological, historical, and especially legal traditions that go into fully understanding what has led to the demand for consumer credit and to what the markets and institutions that provide these products have become today.

Download or read book Selected Consumer Attitudes Toward Specific Aspects of Consumer Credit written by University of Guelph. Department of Consumer Studies and published by . This book was released on 1975 with total page 130 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book A Comparative Study of French and American Consumer Attitudes Toward Credit Purchases written by Edouard Charles Pericchi and published by . This book was released on 1972 with total page 214 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Malaysian Consumer s Credit Card Usage Behavior written by Zafar Ahmed and published by . This book was released on 2015 with total page 22 pages. Available in PDF, EPUB and Kindle. Book excerpt: Purpose of this Paper - Despite the spread in usage and ownership of credit cards, few studies have examined its affect on consumer debt in developing nations. The main purpose of this study is to understand consumers' attitude and spending behavior using credit cards.Design/Methodology/Approach - This study is based on a questionnaire survey conducted in Malaysia. Based on an extensive review of literature, a model is developed to identify the psychographic factors that influence the consumer attitudes towards using credit cards.Findings - This study found support to some of the theoretical expectations and lend support to some of the earlier deviations reported in the literature.Practical Implications - The findings are likely to be important to banks and financial institutions issuing credit cards as it helps managers' to have a better understanding of cardholders in Malaysia and their attitude and behaviour towards usage of credit card.What is Original/Value of Paper - This paper makes a valuable contribution given the fact that there is a dearth of empirical studies of this nature focusing on Malaysia.

Download or read book Uses of and Attitudes Toward Consumer Credit as a Means of Financing Leisure time Products and Pursuits written by Douglass K. Hawes and published by . This book was released on 1975 with total page 22 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Knowledge and Use of Consumer Credit and Attitudes Toward it as Reported by Male Students at Southern Illinois University written by Carol Mentzer Throneburg and published by . This book was released on 1971 with total page 154 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Understanding Consumer Financial Behavior written by W. Fred van Raaij and published by Springer. This book was released on 2016-07-15 with total page 286 pages. Available in PDF, EPUB and Kindle. Book excerpt: Government policies, marketing campaigns of banks, insurance companies, and other financial institutions, and consumers' protective actions all depend on assumptions about consumer financial behavior. Unfortunately, many consumers have no or little knowledge of budgeting, financial products, and financial planning. It is therefore important that organizations and market authorities know why consumers spend, borrow, insure, invest, and save for their retirement - or why they do not. Understanding Consumer Financial Behavior provides a systemic economic and behavioral approach to the way people handle their finances. It discusses the different types of financial behaviors consumers may engage in and explores the psychological explanations for their behavior and choices. This exciting new book is essential reading for scholars of marketing, finance, and management; financial professionals; and consumer policy makers.

Download or read book Use Of Knowledge About and Attitude Toward Consumer Credit by Freshman Students Residing on the University of Nebraska Lincoln Campuses written by Laurel Marie Summerside Blair and published by . This book was released on 1975 with total page 204 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Influence of Situational Factors Personal Perceptions and Past Credit Experience on Attitudes Toward Consumer Credit Use of 436 Female Respondents written by Patricia Lynn Hallam and published by . This book was released on 1981 with total page 166 pages. Available in PDF, EPUB and Kindle. Book excerpt: