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1.
Mary Beth Pinto Diane H. Parente Phylis M. Mansfield 《Family and consumer sciences research journal / American Association of Family and Consumer Sciences》2005,33(4):357-367
Credit card use among college students has reached unprecedented levels. As a result, there is a movement to better educate college students about wise credit use habits. This research examines the credit information provided by four socialization agents (parents, peers, media, and schools). In addition, it assesses the relationship between these socialization agents and the credit use behavior of college students. Using paired sample t tests, the results indicate that the amount of credit information given by parents is significantly greater than the information received from the other three sources (schools, peers, and media). Correlation analysis indicates that there is a significant negative relationship between the amount of credit information learned from parents and credit use. The more information provided by parents, the lower the outstanding balance carried by college students on their credit cards. Media sources, educational sources, and peer sources of information showed no significant relationship with credit use. 相似文献
2.
Credit card companies aggressively solicit college students, without regardfor the consequences of high credit car debt for these customers. Theethical conflict of the sale of easy credit to college students too oftenresults in hazardous outcomes akin to the solicitation of youth by cigarettecompanies. This paper will investigate the dangers that credit card use presents to theyoung customer, the unethical manner in which the companies that issue these cards promote their products to this audience, and the role of institutions of higher education. A majority of students are not only using credit unwisely (average balances of over $1000 regardless of who reports the data) but are payingexorbitant interest (18%–22%). The credit card companies call this``responsible' use. They are collecting enough interest and fees to morethan cover losses resulting from bankruptcy. They use a variety ofmarketing techniques to lure college students – glitzy `MTV' type shows,free prizes and gifts, special interest rate offers, and now they can pretendthrough `educational services' to explain to college students why credit cards are important.This paper investigates the ethical considerations of credit card solicitationof college students as a result of research into factors that influence thenumber of credit cards held by these students. Current solicitation policiesof colleges and universities are also presented. 相似文献
3.
湖南省无论从率先开展银行卡助农取款服务,还是推广银行卡升级换代等都取得了一定成就。但也存在着持卡人用卡情况仍欠佳、用卡领域狭窄、服务欠完善、环境欠佳、法规环境欠优化等诸多问题。已成为银行卡产业发展的瓶颈。改变信用卡发展严重滞后现状,增加居民收入与改变消费观念,加大银行卡推广力度,加快银行卡产品创新,创造良好的银行卡受理和法规环境。拓展并规范信用卡市场无疑是一条有效途径。同时,应大力培养消费者良好用卡理念,避免“睡眠卡”的出现,提高持卡人用卡频率,增强用卡安全意识。推动银行卡产业的发展。 相似文献
4.
Marie J. Lachance 《International Journal of Consumer Studies》2012,36(5):539-548
This research project was undertaken to study young adults’ attitudes towards credit in general. A sample of 980 young Canadian adults, ages 18–29, participated in a telephone survey. Results reveal that they recognize both the advantages and the risks associated with credit. Regression analysis shows that attitudes towards credit is positively related to education, the number of credit cards held and knowledge of credit, but negatively related to the number of children. The young adults who reported that their parents and friends are heavy credit users are more likely to have positive attitudes towards credit. No link was found with the participants’ level of debt. 相似文献
5.
The current research examines influence of materialism and compulsive-buying behavior on Indian consumers’ credit card use. Research in Western countries posits that materialistic values and compulsiveness influence credit card use. However, results of the research differ from earlier researches. It suggests that Indian consumers’ credit card use is influenced by materialism but not by compulsiveness. Credit cards may be acquired to represent a lifestyle and improve individual’s status. The symbolic value associated with credit card is higher than its functional attributes. Consumers associate it with material possessions that bequeath status to them. 相似文献
6.
杨珩 《商业经济(哈尔滨)》2011,(19):71-73
目前,我国大学生信用卡市场普遍存在睡眠卡问题。其原因在于信用卡产品功能单一,附加值开发不够。银行应根据大学生群体特征制定营销策略,从建立关系纽带,培养顾客忠诚度与归属感入手,引导大学生使用信用卡,达到对大学生信用卡的营销目的。 相似文献
7.
《Consumer Psychology Review》2018,1(1):41-53
How people think about and use their time has critical implications for happiness and well‐being. Extant research on time in the consumer behavior literature reveals a predominantly dichotomized perspective of time between the present and future. Drawing on research on emotions, social relationships, and financial decision‐making, we discuss how removing categorical dichotomies might lead to beneficial outcomes. From this, we propose a conceptualization of time that assumes a less stark contrast between the present and the future, allowing these two time frames to more flexibly coexist in people's minds and experiences. Finally, we discuss one way people might adopt this perspective to increase happiness—by taking an elevated or “bird's‐eye” perspective of time where the future and present, as well as the past, become equally visible, and where events from different time points are treated and experienced as part of one's life and being overall. 相似文献
8.
Vathsala Wickramasinghe Anurudh Gurugamage 《International Journal of Consumer Studies》2009,33(4):436-447
Knowledge that has been accumulated through research efforts concerning credit card ownership and usage behaviour has been confined to Western societies. Given the importance of cross‐national application of consumer marketing concepts and propositions for academic and practical reasons, investigations are needed to test whether consumer credit card usage patterns that are assumed to exist in the West also exist in non‐Western parts of the world, especially in Asia. Therefore, objectives of this research were to explore credit card ownership and usage practices in Sri Lanka, and to explore the relationship between credit card ownership and usage practices, and demographic and socio‐economic characteristics of credit card users. The findings offer implications for researchers and practitioners. 相似文献
9.
Yoon G. Lee Vibha Bhargava 《Family and consumer sciences research journal / American Association of Family and Consumer Sciences》2004,32(3):254-274
Using data from the 1998–1999 Family Interaction, Social Capital, and Trends in Time Use Study, the authors estimated the time use of 1,151 respondents on various leisure activities (e.g., active leisure, passive leisure, and social entertainment). Onaverage, the most time was spent on active sports (12 minutes) in the active leisure category, TVuse (119 minutes) in the passive leisure category, and socializing with people (27 minutes) in the social entertainment category. Single individuals spent more time playing musical instruments, singing, acting, and dancing than married individuals. Single individuals also spent more time listening to the radio, watching TV, socializing with people, going to bars/lounges, and traveling for social activities than married individuals. Married individuals spent significantly less time for leisure activities than did single individuals. Among the sociodemographic factors, income, employment status, age, gender, and race of respondents were significant determinants of their time use for leisure. 相似文献
10.
Kevin A. Galbraith Jay D. Schvaneveldt 《Family and consumer sciences research journal / American Association of Family and Consumer Sciences》2005,33(3):220-239
Transformational leadership has been associated with optimal outcomes in various organizational settings, in comparison to transactional and laissez‐faire leadership. In accordance with research findings from organizational contexts, an exploratory study was conducted with 231 two‐parent families to assess the relationship between family leadership styles and family well‐being. Family leadership styles were assessed using the Multifactor Leadership Questionnaire, and family well‐being was assessed using the Family Profile. Using cluster analysis, four combinations of father‐mother leadership styles emerged. From analysis of variance, significant differences in family well‐being were found when comparing couples characterized by active transformational leadership to those who were passive or had a laissez‐faire style of leadership. Few other statistically significant differences were found when comparing other combinations of leadership styles. 相似文献
11.
杜龙学 《商业经济(哈尔滨)》2007,(6):107-108
当代大学生的诚信状况从总体上看是积极向上的,但也存在着诚信观念缺失的现象。应完善学校管理体制,充分发挥"两课"教学的主渠道作用,构建诚信有效的教育机制和与社会主义市场经济内在要求相适应的价值观教育体系,建立大学生诚信档案,使当代大学生诚信观念得以重构。这有助于完善大学生的人格和创造良好的社会环境,并对社会主义现代化建设的顺利实现有着十分重要的意义。 相似文献
12.
13.
Shinae L. Choi Wookjae Heo Soo Hyun Cho Philseok Lee 《International Journal of Consumer Studies》2020,44(4):353-360
This study proposed a nuanced approach to the association between job insecurity and financial stress by examining whether financial well‐being mediates the established association. In addition, we examined whether the association between the job insecurity and financial stress, through financial well‐being, is moderated by income. For this study, we conducted a path analysis using 1,145 survey respondents. Results revealed a significant relationship between the job insecurity and financial stress and a partial mediation effect of financial well‐being. Moreover, the indirect effect of job insecurity on financial stress through financial well‐being was moderated by income. Although people who have higher financial well‐being were more likely to have lower financial stress, this relationship varied by income such that it was stronger for higher income groups than for lower income groups. Our findings provide insights into the way job insecurity and financial well‐being influence financial stress. This study will help the researchers and practitioners develop more effective and adaptive intervention programmes and resources for individuals and families. Implications for practice and directions for future research are discussed. 相似文献
14.
Sue McGregor 《International Journal of Consumer Studies》2005,29(3):170-180
This paper provides a primer on structural adjustment programmes (SAPs) anticipating that a deeper understanding of these policies enables home economists to influence the global trend for SAPs that is profoundly impacting human well‐being. It addresses the issue of what SAPs are (their intended and actual impact on family well‐being), provides five reasons why home economists should care about SAPs and tenders seven ideas for what we can do, as professionals, to mitigate the negative impact of SAPs on familial well‐being and human security. 相似文献
15.
The household life‐cycle stage is a significant contributor to the perception of subjective well‐being; however, the effect of household expenditures of life‐cycles on subjective well‐being has not been thoroughly explored. The life‐course perspective, specifically the study of family/household life‐cycles, emphasizes the understanding of subjective well‐being across the entire life‐span. Accordingly, in the literature subjective well‐being is often studied at different life‐stages considering the influence of variables such as age, cohabitation and fertility. The present study evaluates the level of subjective well‐being across the various life‐cycle stages using a matching method on a Hungarian national sample. This approach is appropriate for studies using observational data because the administration of a true experimental design is usually not feasible for this type of research. The main finding of the article is that controlling for the expenditure structure significantly modifies the effect of life‐cycle on subjective well‐being, which is varied across life‐cycle stages and shown to be highly dependent on household expenditures. 相似文献
16.
Cliff A. Robb 《Family and consumer sciences research journal / American Association of Family and Consumer Sciences》2011,39(4):388-398
The purpose of this research was to develop a better understanding of how students cope with college costs. As part of an online survey at two large public universities, students responded to an open‐ended question at the end of the survey about financial management, paying for college, and advice they would offer to incoming freshmen. A qualitative analysis of the responses produced six dominant themes: costs and methods of payment, spending, credit card use, time management, financial knowledge and education, and personal feelings and family impacts. The themes were organized into a theoretical framework with costs and methods of payment serving as the dominant theme. The themes provide insight into the college students’ beliefs about paying for college. The findings could assist educators, college administrators and researchers in addressing students’ needs in the future. 相似文献
17.
Vathsala Wickramasinghe Anurudh Gurugamage 《International Journal of Consumer Studies》2012,36(1):80-89
The aim of this paper is to identify and assess the effects of credit card users' demographic and socio‐economic characteristics, knowledge about credit cards, and perceived lifestyle outcomes of the credit card usage on credit card usage practices. A sample of 177 individuals in Sri Lanka who possess Visa, MasterCard or American Express credit cards responded to the survey. The hypothesized relationships were examined by means of path analysis. The findings offer implications for research and practice. 相似文献
18.
《Family and consumer sciences research journal / American Association of Family and Consumer Sciences》2017,46(2):144-159
Economic downturns and environmental concerns have aroused consumer educators’ interests in limiting excessive consumption. Frugality and materialism are consumer values associated with excessive consumption. Consumer education focusing on those values will be more persuasive if it helps to increase consumers’ well‐being. From this perspective, this study examined the effects of frugality and materialism on consumers’ subjective well‐being and assumed that those effects differ according to consumers’ ages. Using regression analysis with data collected from 719 individuals in Korea, it was found that frugality positively affected consumers’ well‐being while materialism negatively affected it, and the relative effects of frugality and materialism differed among age groups. 相似文献
19.
ABSTRACTWe examined whether financial literacy changes college students' assessments of their student-loan providers. As predictors in our backward regression, we included (a) financial literacy, (b) perceived importance of loan, (c) satisfaction with college, (d) financial optimism, (e) experience using credit cards, and (f) perceived importance of decisions about credit cards. We also included two-way interactions between financial literacy and the other variables. Our regression explained about 24% of the variance in the dependent variable. Our results indicated that financial literacy was a significant predictor of attitude toward the student loan provider—but only in the interaction terms. 相似文献
20.
Victor R. Wilburn Delores E. Smith 《Family and consumer sciences research journal / American Association of Family and Consumer Sciences》2009,38(1):63-75
This study investigated the relationships among self‐esteem, social competence, stress, social support (family and peer), gender, and ethnicity among urban, rural, and suburban adolescents. The participants in this study were drawn from a nationally representative sample of adolescent youth. Analyses of data revealed that there were significant relationships between self‐esteem, social competence, stress, and social support. Significant differences within gender were found between self‐esteem, social competence, peer support, and stress. Also, there were significant ethnic differences in self‐esteem and peer support. Regression analyses revealed that both family and peer support accounted for a significant degree of the variation on self‐esteem and significant family and peer effects. No significant distinctions between geographic locations and the psychosocial variables were indicated. 相似文献