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3. The Impact of Economic Literacy and Attitude Toward Credit Card Usage on Rational Use of Credit Cards: The Case of Dumlupinar University Tavsanli Vocational College

Author

Unal, Seyfettin, Duger, Yavuz Selim, and Soylemez, Cevat

Subjects
Economic Literacy, Credit Cards, Rational Usage, Multiple Regression Analysis
Abstract

WOS: 000441974700002, Recent financial crisis indicates that financial world is becoming more complicated and risky, thus proves the importance of economic literacy. While individual decisions of consumers do have an impact on their personal lives, they also have an impact on macro economies in aggregate level. The best example of this is the mortgage crisis of the United States in 2008. Credit card is an important payment instrument; however, it is clear that irrational use of credit cards may create harmful damage in the economy. By employing a multiple regression analysis on data set gathered from a questionnaire, this study empirically tests the economic literacy by measuring rational credit card usage among students at Tavsanli Vocational College of Dumlupinar University. The results reveal that individuals with relatively higher degree of economic literacy are expected to be more rational and conscious about financial decision making.

Published
2015

5. Effect of Financial Crises on State and Private Bank Performance: The Turkish Experience of 2001.

Author

Unal, Seyfettin and Acikalin, Sezgin

Subjects
FINANCIAL crises, BANKING industry, CORPORATE profits, RETURN on assets
Abstract

In the shadow of today's prevailing world financial crisis, this study aims to investigate the changes that the financial crisis of 2001 has brought about in government and private commercial banking in Turkey. For this purpose, we perform an equality of mean analysis on the banks' financial indicators between 1997Q4 and 2007Q1 by dividing the whole period into pre- and post-crisis sub-sample periods. Our findings indicate that for all sample banks examined, the crisis has created a trend break only in net profit, ROA (Return on Assets) and ROE (Return on Equity) figures but not in the other six variables. In addition, since the negative results created by the 2001 crisis eroded about a year after, we may say that the impact of the crisis was only a temporary shock rather than a structural break. [ABSTRACT FROM AUTHOR]

Published
2012

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