کد مقاله | کد نشریه | سال انتشار | مقاله انگلیسی | نسخه تمام متن |
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931675 | 1474605 | 2016 | 13 صفحه PDF | دانلود رایگان |
The differential of this paper is to consider that compulsive buying and ill-being perception constructs act in opposite dimensions on credit card use and debt. While compulsive buying leads the individual to a higher credit card usage and therefore more debt, the perception that future financial problems would cause ill-being acts as a controlling force of the credit card use and consequently of the debt. Besides the model development, this study aims to evaluate if the model is suitable for men and women. A survey was conducted with 1831 individuals of three regions of Brazil. Results support the idea that in the purchase decision-making process with credit card, two forces act in opposite directions, while the compulsive buying stimulates usage and debt, the ill-being perception discourages it. However, this trade-off is unbalanced, because the impact of compulsive buying’s coefficients is superior to the ill-being perception ones.
Journal: Journal of Behavioral and Experimental Finance - Volume 10, June 2016, Pages 75–87