An Empirical Investigation of Payment Performance for Consumer Loans in Turkey

Bu çalışmada tüketici kredisi almış müşterilerin kredi borçlarını geri ödeme performansları ile bazı demografik ve finansal değişkenler arasındaki ilişki araştırılmaktadır. Bu amaçla kullanılan veriler Türkiye'deki özel bankalardan biri tarafından tüketici kredisi almış müşteri raporlarından elde edilmiştir. Veri analizi için lojistik regresyon modeli kullanılmıştır. Kişilerin demografik özelliklerinden ziyade finansal değişkenlerin kredi borcu ödeme performansında etkili olduğu ortaya çıkmıştır. Vade ve faiz oranlarının artışı tüketici kredi borçlarının ödenme performansını olumsuz etkilemiştir. Buna göre müşterilerine kredi sağlayan bankalar ve diğer finansal kuruluşların vade ve faiz gibi finansal enstrümanlarda düzenleme yaparak risklerini minimuma indirmeleri mümkündür.

Türkiye'de Tüketici Kredisi Borçlarının Ödenmeme Riski Üzerine Ampirik Bir Çalışma

This paper explores the relationship between consumer credit clients’ payment performance and some demographic and financial variables. Data to examine this relationship is obtained from the customer records of a private bank in Turkey. A logistic binary regression is used to evaluate the data. Financial variables rather than the demographic characteristics of clients have significant influence on customers’ pay back performance. Thus, the longer the maturity time and the higher the interest rate, the higher the credit payment performance risks. Accordingly, banks and other financial institutions may minimize the credit payment performance risk by adjusting the financial instruments such as the interest rate and the maturity time.

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