OKAN UNIVERSITY

FACULTY OF ECONOMICS AND ADMINISTRATIVE SCIENCES

STATISTICS l GROUP PROJECT

NAME OF THE GROUP MEMBERS :

ASLI BOZKURTBURCU KARADENİZOKAN SEMİH İMİRSELİN USTASERKAN ŞAHİNBUĞRA ÖZKANGÖZDE BALCI

‘’THINKING OF CONSUMERS ABOUT USING CREDIT CARD’’

INTRODUCTION :

As a group ; we would like to analyze ‘’ thinking of consumers about using credit card.’’

Usage of credit card is continues increasing day by day,because offers several alternatives to people lives.

Disadvantages will affect people's lives as well as having a negative way.

We prepared by taking both good and bad aspects of our project.

SURVEY :We did survey with employers, employees

and students on the area of Tuzla.The survey be formed in 2 parts.In first part; we approach demographic

specialities such as gender, age, education, marial status and average income.

In second part; there is a questionary that include questions about using credit card.

According to the survey ;we prepare

PRIMARY DATA SUMMARY

TABLE 1 : DEMOGRAPHIC SPECIALITIES

GENDER (n) (%)

Male 25 41,6

Female 35 58,3

AGE (n) (%)

under 25 19 31,6

26-35 24 40

36-45 12 20

upper 46 5 8,3

EDUCATION (n) (%)

elementary school 13 21,6

university-undergraduate 25 41,6

university-postgraduate 22 36,6

MARRIAL STATUS (n) (%)

Married 17 28,3

Single 43 71,6

DO YOU (n) (%)

Employer 8 13,3

Employee 24 40

Student 28 46,6

AVERAGE INCOME (n) (%)

under 750 12 20

750-1500 0 0

1500-2000 15 25

upper 2000 33 55

TABLE 2 : QUESTIONARY

DO YOU USE CREDIT CARD (n) (%)Yes 60 100No 0 0HOW DID YOU HAVE CREDIT CARD (n) (%)demand of myself 12 20demand of bank 48 80DO YOU HAVE ONE COPY OF CONCRACTUAL RELATED CREDIT CARD

(n) (%)yes 0 0No 60 100DO YOU KNOW THAT INTEREST APPLICATION OF CREDIT CARD

(n) (%)Yes 43 71,6No 17 28,3HOW DO YOU PAY YOUR CREDIT CARD EXPENSE (n) (%)by spot business 13 21,6by instalments 47 78,3WHAT KIND OF EXPENSE DO YOU USE CREDIT CARD USUALLY (n) (%)Clothing 27 45Nutrient 17 28,3Education 3 5fuel oil 8 13,3Travelling 5 8,3DO YOU DO SHOPPING TOO MUCH OR UNNECESSARY WHEN DO YOU USE CREDIT CARD

(n) (%)Yes 42 70No 18 30DO YOU HAVE DIFFUCULTY IN PAYING CREDIT CARD LOAN (n) (%)Yes 22 36,6No 38 63,3

DO YOU APPRECIATE THAT YOU CAN HAVE CREDIT CARD SERVICE, PLEASE (n) (%)very bad 1 1,6Bad 13 21,6Middle 33 55Good 11 18,3very good 2 3,3

DRAFT REPORTS :As a group ;

We appreciated the results of survey as a draft report.

We handled primary data summary to prepare draft reports.

We choosed only some of determinative questions for draft reports.

1st ;_ HOW DID YOU HAVE CREDIT CARD? M= demand of myself B = demand of bank

_ DO YOU HAVE DIFFUCULTY IN PAYING CREDIT CARD LOAN?

Y = yes N = no

Y N TOTAL

M 4 6,66% 8 13,3% 12 20%

B 18 30% 30 50% 48 80%

TOTAL 22 36,6% 38 63,3% 60 100%

2nd ;_ DO YOU? R = employer E = employee S = student

_ DO YOU APPRECIATE THAT YOU CAN HAVE CREDIT CARD SERVICE , PLEASE

V = very bad B = bad M = middle G = good D = very good

V B M G D TOTAL

R 0 0% 0 0% 0 0% 7 11,6% 1 1,66% 8 13,3%

E 0 0% 7 11,6% 13 21,6% 3 5% 1 1,66% 24 40%

S 1 1,66% 6 10% 20 33,3% 1 1,66% 0 0% 28 46,6%

TOTAL 1 1,66% 13 21,6% 33 55 11 18,3% 2 3,33% 60 100%

3rd ;_ HOW DO YOU PAY YOUR CREDIT CARD

EXPENSE? B = by spot business I = by instalments

_ MARRIAL STATUS M = married S = single

B I TOTAL

M 2 3,33% 15 25% 17 28,3%

S 11 18,3% 32 53,3% 43 71,6%

TOTAL 13 21,6% 47 78,3% 60 100%

4th ;_ GENDER M = male F = female

_ WHAT KIND OF EXPENSE DO YOU USE CREDIT CARD USUALLY?

C = clothing N = nutrient E = education O = fuel oil T = travelling

C N E O T TOTAL

M 9 15% 4 6,6% 1 1,6% 6 10% 5 8,3% 25 41,6%

F 18 30% 13 21,6% 2 3,33% 2 3,33% 0 0% 35 58,3%

TOTAL 27 45% 17 28,3% 3 5% 8 13,33% 5 8,3% 60 100%

5th ;_ AVERAGE INCOME A = under 750 B = 750 - 1500 C = 1500 - 2000 D = upper 2000

_ DO YOU DO SHOP TOO MUCH OR UNNECESSARY WHEN YOU USE CREDIT CARD?

Y = yes N = no

A B C D TOTAL

Y 3 5% 0 0% 9 15% 30 50% 42 70%

N 9 15% 0 0% 6 10% 3 5% 18 30%

TOTAL 12 20% 0 0% 15 25% 33 55% 60 100%

6th ;_ AGE A = under 25 B = 26 – 35 C = 36 – 45 D = upper 46

_ DO YOU KNOW THAT INTEREST APPLICATION OF CREDIT CARD?

Y = yes N = no

A B C D TOTAL

Y 11 18,3% 19 31,6% 11 18,3% 2 3,3% 43 71,6%

N 8 13,3% 5 8,3% 1 1,6% 3 5% 17 28,3%

TOTAL 19 31,6% 24 40% 12 20% 5 8,3% 60 100%

THANKS FOR YOUR ATTENTION