Como os Gaúchos Utilizam o Cartão de Crédito? Análise do Comportamento de Uso e da Dívida no Cartão de Crédito
The objectives of this study are to investigate the use of the credit card by residents of Rio Grande do Sul, the profile of these individuals, the behaviors in card usage and debt, as well as check for diffe- rences in the level of behavior and debt considering socioeconomic e demographic factors....
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| Autores principales: | , , , , |
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| Formato: | article |
| Lenguaje: | PT |
| Publicado: |
Universidade Regional do Noroeste do Estado do Rio Grande do Sul
2016
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| Materias: | |
| Acceso en línea: | https://doaj.org/article/409868ff23844c579ab8cc1aacf79525 |
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| Sumario: | The objectives of this study are to investigate the use of the credit card by residents of Rio Grande do Sul, the profile of these individuals, the behaviors in card usage and debt, as well as check for diffe- rences in the level of behavior and debt considering socioeconomic e demographic factors. For this, we carried out a survey research with 942 card users citizens in the state of Rio Grande do Sul, with a structured questionnaire for data collection instrument. For data analysis, we performed descriptive statistics and tests of mean difference, Student’s t-test and Anova, using SPSS ® 17.0 software. The results indicate the conscious use of credit by individuals as well as the proper management of the card, in addition to compliance with the commitments acquired with the same. Moreover , it are no- teworthy characteristics such as gender, income, expenses, age, marital status, education , number of dependents and race, which are essential in characterizing the behavior of and/or debt the credit card. |
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