KOBİ SAHİPLERİNİN KREDİ KARTI KULLANIMLARININ ANALİZİ: KARS İLİ ÖRNEĞİ

Bu çalışmanın amacı, Kars ilinde, Küçük ve Orta Büyüklükteki İşletme (KOBİ) sahiplerinin kredi kartı tutumlarını davranışsal, duygusal, kaygısal, kavramsal ve güvenilirlik olmak üzere beş boyutta incelemektir. Kredi kartı tutumlarına ait boyutlar faktör analizi ile belirlenmiştir. Araştırma kapsamında KOBİ sahiplerine anket yapılmış ve elde edilen veriler, frekans, t-testi, tek yönlü ANOVA ve korelasyon analizi ile incelenmiştir. Frekans analizi sonucunda KOBİ sahiplerinin kredi kartını alternatif fon kaynağından ziyade, ödeme aracı olarak kullandıkları belirlenmiştir. t-testi ve tek yönlü ANOVA analizi, KOBİ sahiplerinin cinsiyetleri, yaşları, medeni durumları, eğitim durumları, işletmelerin faaliyet alanları ve yılları, sahip olunan bireysel kredi kartı sayıları ve kredi kartı tutum boyutları arasında istatistiki olarak anlamlı bir fark olmadığını göstermektedir. Öte yandan, KOBİ sahiplerinin aylık gelirleri, kredi kartı türü, işletme kartı sayısı, kredi kartlarının toplam limiti, kredi kartları ile yapılan aylık harcamaları, aylık kredi kartı ödeme türü, kredi kartılarıyla yapılan en fazla harcama kalemleri ile kredi kartı tutumlarının bazı boyutları arasında istatistiki olarak anlamlı bir fark tespit edilmiştir. Korelasyon analizi, KOBİ sahiplerinin kredi kartı tutumlarının boyutları arasında anlamlı korelasyonlar olduğunu göstermiştir.

ANALYSIS OF CREDIT CARD USAGE OF SME OWNERS’: EXAMPLE OF KARS PROVINCE

The aim of this study is to examine Small and Medium-sized enterprise (SME) owners’ credit card attitudes in the five dimensions as behavioral, emotional, anxious, conceptual and reliability in Kars province. The dimensions of credit attitudes were determined through factor analysis. Within the scope of the research, SME owners were made survey and the data obtained were analyzed by frequency, t-test, one-way ANOVA, and correlation analysis. As a result of the frequency analysis, it was determined that SME owners use their credit cards as a means of payment rather than an alternative fund source. t-test and one-way ANOVA analysis showed that there were no statistically significant differences between the credit card attitude dimensions and the gender, age, marital status, educational status, fields of activity and years of enterprises, and number of individual credit cards owned. On the other hand, it was determined statistically significant differences between some dimensions of credit card attitudes and SME owners’ monthly income, type of credit card, number of business cards, total limit of credit cards, monthly expenses with credit cards, monthly credit card payment type, and most spending items made with credit cards. The correlation analysis indicated that there are statistically significant correlations between SME owners’ credit card attitudes dimensions.

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