Journal of Economic Policy Researches

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DOI :10.26650/JEPR652338   IUP :10.26650/JEPR652338    Full Text (PDF)

A Research on Consumer Behavior Towards Interestfree Financing with Special Reference to Planned Behavior Theory: An Empirical Analysis

Abdullah Mesut Uçar

This study seeks to empirically analyze the validity of consumer tendency/ behavior towards the interest-free financing models with reference to the planned behavior theory (PBT). Additionally, the research further tests the validity of the hypotheses on the consumer tendencies towards interest-free financing via PBT in Turkey and other predominantly Muslim countries. To this end, the main variables of the theory, attitude, subjective norm, and perceived behavioral control, have been redefined through certain factors spelled out in the literature. Subsequently, they have been analyzed through the Cronbach Alpha test in the relevant parts of the survey done with the participation of 235 persons. The study concludes that the attitude variable, redefined through the factors of desire for a fair financial system and cost advantage, determines the consumer behavior towards interest-free financial models. Additionally, it has also been observed that the avoidance from interest, one of the factors that define the subjective norm variable, underscores the consumer behavior towards these financial methods. However, the chi-square test results suggest that the subjective norm and perceived behavioral control variables do not provide consistent outcomes. Also, it can be said that the work is original due to a special reference to PBT in the sample of Turkey, even though it is similar to interest-free finance studies made with PBT. 

Keywords: Consumer behavior, interest-free financing, planned behavior theory, fair financial system, cost advantage
JEL Classification : F65 , G21 , G41
DOI :10.26650/JEPR652338   IUP :10.26650/JEPR652338    Full Text (PDF)

Planlı Davranış Kuramına Özel Bir Atıfla Faizsiz Finansmana Yönelik Tüketici Davranışı Üzerine Bir Araştırma: Ampirik Analiz

Abdullah Mesut Uçar

Bu çalışma, tüketici eğilimi / davranışının faizsiz finansman modellerine yönelik planlı davranış teorisi (PDK) referans alınarak geçerliliğini ampirik olarak analiz etmeyi amaçlamaktadır. Ayrıca araştırma, Türkiye’de ve diğer ağırlıklı olarak Müslüman ülkelerde PDK yoluyla faizsiz finansmana yönelik tüketici eğilimlerine ilişkin hipotezlerin geçerliliğini test etmektedir. Bunun için teorinin ana değişkenleri olan tutum, öznel norm ve algılanan davranış kontrol değişkenleri literatürde dile getirilen ilgili faktörlerle yeniden tanımlanmıştır. Daha sonra, 235’in katılımıyla yapılan anketin ilgili bölümleri Cronbach Alpha testi ile analiz edilmiştir. Çalışma, adil finansal sistem ve maliyet avantajı arzusu faktörleri aracılığıyla yeniden tanımlanmış tutum değişkeninin, faizsiz finansal modellere yönelik tüketici davranışını belirlediğini saptamıştır. Ek olarak, öznel norm değişkenini tanımlayan faktörlerden biri olan faizden kaçınmanın tüketici davranışını bu finansal modellere yönelik olarak etkilediği de gözlenmiştir. Ancak ki-kare test sonuçları, öznel norm ve algılanan davranışsal kontrol değişkenlerinin tutarlı sonuçlar sağlamadığını göstermiştir. Ayrıca, PDK ile yapılan faizsiz finans çalışmalarına benzese de çalışmanın Türkiye örneğindeki PDK’ye yapılan özel bir referans nedeniyle orijinal olduğu söylenebilir.

Keywords: Tüketici davranışı, tüketici eğilimi, faizsiz finans, planlı davranış kuramı, adil finansal sistem, maliyet avantajı
JEL Classification : F65 , G21 , G41

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APA

Uçar, A.M. (2019). A Research on Consumer Behavior Towards Interestfree Financing with Special Reference to Planned Behavior Theory: An Empirical Analysis. Journal of Economic Policy Researches, 7(1), 69-88. https://doi.org/10.26650/JEPR652338


AMA

Uçar A M. A Research on Consumer Behavior Towards Interestfree Financing with Special Reference to Planned Behavior Theory: An Empirical Analysis. Journal of Economic Policy Researches. 2019;7(1):69-88. https://doi.org/10.26650/JEPR652338


ABNT

Uçar, A.M. A Research on Consumer Behavior Towards Interestfree Financing with Special Reference to Planned Behavior Theory: An Empirical Analysis. Journal of Economic Policy Researches, [Publisher Location], v. 7, n. 1, p. 69-88, 2019.


Chicago: Author-Date Style

Uçar, Abdullah Mesut,. 2019. “A Research on Consumer Behavior Towards Interestfree Financing with Special Reference to Planned Behavior Theory: An Empirical Analysis.” Journal of Economic Policy Researches 7, no. 1: 69-88. https://doi.org/10.26650/JEPR652338


Chicago: Humanities Style

Uçar, Abdullah Mesut,. “A Research on Consumer Behavior Towards Interestfree Financing with Special Reference to Planned Behavior Theory: An Empirical Analysis.” Journal of Economic Policy Researches 7, no. 1 (Nov. 2024): 69-88. https://doi.org/10.26650/JEPR652338


Harvard: Australian Style

Uçar, AM 2019, 'A Research on Consumer Behavior Towards Interestfree Financing with Special Reference to Planned Behavior Theory: An Empirical Analysis', Journal of Economic Policy Researches, vol. 7, no. 1, pp. 69-88, viewed 24 Nov. 2024, https://doi.org/10.26650/JEPR652338


Harvard: Author-Date Style

Uçar, A.M. (2019) ‘A Research on Consumer Behavior Towards Interestfree Financing with Special Reference to Planned Behavior Theory: An Empirical Analysis’, Journal of Economic Policy Researches, 7(1), pp. 69-88. https://doi.org/10.26650/JEPR652338 (24 Nov. 2024).


MLA

Uçar, Abdullah Mesut,. “A Research on Consumer Behavior Towards Interestfree Financing with Special Reference to Planned Behavior Theory: An Empirical Analysis.” Journal of Economic Policy Researches, vol. 7, no. 1, 2019, pp. 69-88. [Database Container], https://doi.org/10.26650/JEPR652338


Vancouver

Uçar AM. A Research on Consumer Behavior Towards Interestfree Financing with Special Reference to Planned Behavior Theory: An Empirical Analysis. Journal of Economic Policy Researches [Internet]. 24 Nov. 2024 [cited 24 Nov. 2024];7(1):69-88. Available from: https://doi.org/10.26650/JEPR652338 doi: 10.26650/JEPR652338


ISNAD

Uçar, AbdullahMesut. “A Research on Consumer Behavior Towards Interestfree Financing with Special Reference to Planned Behavior Theory: An Empirical Analysis”. Journal of Economic Policy Researches 7/1 (Nov. 2024): 69-88. https://doi.org/10.26650/JEPR652338



TIMELINE


Submitted28.11.2019
Accepted30.12.2019
Published Online31.12.2019

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