DEVELOPMENT OF A QUESTIONNAIRE TO EVALUATE THE DETERMINANT VARIABLES OF COLLEGE STUDENT`S INDEBTEDNESS IN CREDIT CARDS: A PILOT STUDY ADAPTED TO THE BRAZILIAN CREDIT CARD MARKET / ELABORAÇÃO DE UM QUESTIONÁRIO PARA AVALIAR AS VARIÁVEIS DETERMINANTES DO ENDIVIDAMENTO DE ESTUDANTES UNIVERSITÁRIOS NO CARTÃO DE CRÉDITO: UM ESTUDO PILOTO ADAPTADO PARA O MERCADO DE CARTÃO DE CRÉDITO BRASILEIRO

AUTOR(ES)
DATA DE PUBLICAÇÃO

2009

RESUMO

The credit card market in Brazil is growing year after year and the way to use the cards is also changing over the time. Currently, the credit card has become a payment method which can multiply the financial capacity of its holder, in other words, it became an instrument of financial leverage. In this context, college students are a very attractive niche for the credit card industry. This initial study aimed to develop a questionnaire to evaluate the determinant variables of college student`s indebtedness in credit cards by adapting the foreign literature to the Brazilian credit card market reality. The questionnaire developed was distributed to students of six different colleges in the State of Rio de Janeiro, in Brazil, and resulted in a sample of thirty-two students. The collected data were tabulated and statistically treated by the multiple linear regression method. The results showed that only one of the independent variables listed was statistically significant and could be considered a predictor of the degree of financial leverage of the students. This variable was the preferred payment method. In short, students who expressed the preference for credit cards as a payment method had higher levels of indebtedness.

ASSUNTO(S)

endividamento estudantes universitarios indebtedness credit card university students cartao de credito

ACESSO AO ARTIGO

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