Does the information disclosure matters in my credit purchase?: An analysis of the effect of information credit disclore in the credit propensity of purchase

Detalhes bibliográficos
Autor(a) principal: Mette, Frederike Monika Budiner
Data de Publicação: 2015
Tipo de documento: Artigo
Idioma: por
Título da fonte: Revista Ciências Administrativas (Fortaleza. Online)
Texto Completo: https://ojs.unifor.br/rca/article/view/3984
Resumo: This article aimed to analyze the effect that is caused by the disclosure of credit terms in buying a particular product, measured in two levels the propensity of individuals to consume some credit. In addition, it has analyzed whether this relationship is moderated by debt literacy and purchasing power in cash. It was an experiment that manipulated the information of credit buying conditions ina sample of 60 people. The main findings were that a greater amount of information in the credit purchase conditions results in a greater propensity for individuals to consume this credit, meaning the expected inverse effect. And in a scenario with much information on credit buying conditions, the level of financial debt knowledge tends to increase the propensity of individuals to consume on credit. Keywords: Information disclosure. Credit purchase. Propensity of purchase. Experiment
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spelling Does the information disclosure matters in my credit purchase?: An analysis of the effect of information credit disclore in the credit propensity of purchaseAs informações de pagamento influenciam meu parcelamento?: Uma Análise do Efeito da Divulgação das Informações das Condições de Compra a Crédito na Propensão do Consumo a Prazo (Does the information disclosure matters in my credit purchase?: An analysis of the effect of information credit disclore in the credit propensity of purchase)This article aimed to analyze the effect that is caused by the disclosure of credit terms in buying a particular product, measured in two levels the propensity of individuals to consume some credit. In addition, it has analyzed whether this relationship is moderated by debt literacy and purchasing power in cash. It was an experiment that manipulated the information of credit buying conditions ina sample of 60 people. The main findings were that a greater amount of information in the credit purchase conditions results in a greater propensity for individuals to consume this credit, meaning the expected inverse effect. And in a scenario with much information on credit buying conditions, the level of financial debt knowledge tends to increase the propensity of individuals to consume on credit. Keywords: Information disclosure. Credit purchase. Propensity of purchase. ExperimentEste artigo teve como objetivo geral analisar qual o efeito causado pela divulgação das informações das condições de compra a crédito de um determinado produto, por meio de dois níveis, na propensão de os indivíduos consumirem este crédito. Além disso, busca-se analisar se essa relação é moderada pelos fatores “conhecimento financeiro sobre o crédito” (debt literacy) e “poder de compra para pagamento à vista”. Como procedimento metodológico, realizou-se um experimento com a manipulação da variável “divulgação das informações das condições de compra a crédito”, com uma amostra total de 60 pessoas. Dentre as principais conclusões, verificou-se que uma maior quantidade de informações das condições de compra a crédito de um determinado produto resulta em uma maior propensão de os indivíduos consumirem esse crédito, efeito inverso ao esperado. Assim como em um cenário com maior quantidade de informações das condições de compra a crédito, o nível de conhecimento financeiro de dívidas tende a aumentar a propensão de os indivíduos consumirem a prazo. DOI: 10.5020/2318-0722.2015.v21n2p599Universidade de Fortaleza2015-12-22info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionapplication/pdfhttps://ojs.unifor.br/rca/article/view/3984Revista Ciências Administrativas; v. 21 n. 2 (2015)2318-0722reponame:Revista Ciências Administrativas (Fortaleza. Online)instname:Universidade de Fortaleza (UNIFOR)instacron:UNIFORporhttps://ojs.unifor.br/rca/article/view/3984/pdfMette, Frederike Monika Budinerinfo:eu-repo/semantics/openAccess2020-04-02T18:26:39Zoai:ojs.ojs.unifor.br:article/3984Revistahttps://periodicos.unifor.br/rcahttp://ojs.unifor.br/index.php/rca/oai||revcca@unifor.br|| sergioforte@unifor.br2318-07221414-0896opendoar:2020-04-02T18:26:39Revista Ciências Administrativas (Fortaleza. Online) - Universidade de Fortaleza (UNIFOR)false
dc.title.none.fl_str_mv Does the information disclosure matters in my credit purchase?: An analysis of the effect of information credit disclore in the credit propensity of purchase
As informações de pagamento influenciam meu parcelamento?: Uma Análise do Efeito da Divulgação das Informações das Condições de Compra a Crédito na Propensão do Consumo a Prazo (Does the information disclosure matters in my credit purchase?: An analysis of the effect of information credit disclore in the credit propensity of purchase)
title Does the information disclosure matters in my credit purchase?: An analysis of the effect of information credit disclore in the credit propensity of purchase
spellingShingle Does the information disclosure matters in my credit purchase?: An analysis of the effect of information credit disclore in the credit propensity of purchase
Mette, Frederike Monika Budiner
title_short Does the information disclosure matters in my credit purchase?: An analysis of the effect of information credit disclore in the credit propensity of purchase
title_full Does the information disclosure matters in my credit purchase?: An analysis of the effect of information credit disclore in the credit propensity of purchase
title_fullStr Does the information disclosure matters in my credit purchase?: An analysis of the effect of information credit disclore in the credit propensity of purchase
title_full_unstemmed Does the information disclosure matters in my credit purchase?: An analysis of the effect of information credit disclore in the credit propensity of purchase
title_sort Does the information disclosure matters in my credit purchase?: An analysis of the effect of information credit disclore in the credit propensity of purchase
author Mette, Frederike Monika Budiner
author_facet Mette, Frederike Monika Budiner
author_role author
dc.contributor.author.fl_str_mv Mette, Frederike Monika Budiner
description This article aimed to analyze the effect that is caused by the disclosure of credit terms in buying a particular product, measured in two levels the propensity of individuals to consume some credit. In addition, it has analyzed whether this relationship is moderated by debt literacy and purchasing power in cash. It was an experiment that manipulated the information of credit buying conditions ina sample of 60 people. The main findings were that a greater amount of information in the credit purchase conditions results in a greater propensity for individuals to consume this credit, meaning the expected inverse effect. And in a scenario with much information on credit buying conditions, the level of financial debt knowledge tends to increase the propensity of individuals to consume on credit. Keywords: Information disclosure. Credit purchase. Propensity of purchase. Experiment
publishDate 2015
dc.date.none.fl_str_mv 2015-12-22
dc.type.driver.fl_str_mv info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
format article
status_str publishedVersion
dc.identifier.uri.fl_str_mv https://ojs.unifor.br/rca/article/view/3984
url https://ojs.unifor.br/rca/article/view/3984
dc.language.iso.fl_str_mv por
language por
dc.relation.none.fl_str_mv https://ojs.unifor.br/rca/article/view/3984/pdf
dc.rights.driver.fl_str_mv info:eu-repo/semantics/openAccess
eu_rights_str_mv openAccess
dc.format.none.fl_str_mv application/pdf
dc.publisher.none.fl_str_mv Universidade de Fortaleza
publisher.none.fl_str_mv Universidade de Fortaleza
dc.source.none.fl_str_mv Revista Ciências Administrativas; v. 21 n. 2 (2015)
2318-0722
reponame:Revista Ciências Administrativas (Fortaleza. Online)
instname:Universidade de Fortaleza (UNIFOR)
instacron:UNIFOR
instname_str Universidade de Fortaleza (UNIFOR)
instacron_str UNIFOR
institution UNIFOR
reponame_str Revista Ciências Administrativas (Fortaleza. Online)
collection Revista Ciências Administrativas (Fortaleza. Online)
repository.name.fl_str_mv Revista Ciências Administrativas (Fortaleza. Online) - Universidade de Fortaleza (UNIFOR)
repository.mail.fl_str_mv ||revcca@unifor.br|| sergioforte@unifor.br
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