Türkiye’de Kredi Kartı Kullanımını Etkileyen Faktörleri Belirlemeye Yönelik Bir Model Çalışması(A Model Study Based on Setting The Factors Affecting The Credit Card Usage in Turkey)

• Main Authors: Nevin UZGÖREN, Gülçin CEYLAN, Ergin UZGÖREN
• Format: Article
• Language: deu
• Published: Celal Bayar University 2007-01-01
• Series: Yönetim ve Ekonomi
• Subjects: Kredi Kartı; Birim Kök Testi; Regresyon Analizi; Credit Card; Unit Root Test; Regression Analysis
• Online Access: http://www2.bayar.edu.tr/yonetimekonomi/dergi/pdf/C14S22007/NUGCEU.pdf

The usage of credit cards as a mean for payment and consumer credits is consistently increasing worldwide and Turkey.In this study, analyzing the factors that affect the expenditures by credit cards is aimed and multiple regression analysis is applied. The model which is gained through this analysis has shaved appropriate results for economic and statistical expectations. It has been realized that, the crisis in November 2000 and February 2001 in Turkey had an important role in the decrease of credit card usage giro. On the other hand, it has been concluded that the gross national product per capita, the number of pos machines and credit cards and the inflation rate increased the card usage giro.