4. 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.
5. 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.
10. DO YOU USE CREDIT CARD (n) (%)
Yes 60 100
No 0 0
HOW DID YOU HAVE CREDIT CARD (n) (%)
demand of myself 12 20
demand of bank 48 80
DO YOU HAVE ONE COPY OF CONCRACTUAL RELATED CREDIT CARD
(n) (%)
yes 0 0
No 60 100
DO YOU KNOW THAT INTEREST APPLICATION OF CREDIT CARD
(n) (%)
Yes 43 71,6
No 17 28,3
HOW DO YOU PAY YOUR CREDIT CARD EXPENSE (n) (%)
by spot business 13 21,6
by instalments 47 78,3
WHAT KIND OF EXPENSE DO YOU USE CREDIT CARD USUALLY (n) (%)
Clothing 27 45
Nutrient 17 28,3
Education 3 5
fuel oil 8 13,3
Travelling 5 8,3
DO YOU DO SHOPPING TOO MUCH OR UNNECESSARY WHEN DO YOU USE
CREDIT CARD
(n) (%)
Yes 42 70
No 18 30
DO YOU HAVE DIFFUCULTY IN PAYING CREDIT CARD LOAN (n) (%)
Yes 22 36,6
No 38 63,3
DO YOU APPRECIATE THAT YOU CAN HAVE CREDIT CARD SERVICE, PLEASE (n) (%)
very bad 1 1,6
Bad 13 21,6
Middle 33 55
Good 11 18,3
very good 2 3,3
11. 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.
12. 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
13. 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%
14. 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
15. 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%
16. 3rd ;
_ HOW DO YOU PAY YOUR CREDIT CARD EXPENSE?
B = by spot business
I = by instalments
_ MARRIAL STATUS
M = married
S = single
17. 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%
18. 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
19. 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%
13,33
TOTAL 27 45% 17 28,3% 3 5% 8 % 5 8,3% 60 100%
20. 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
21. 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%
22. 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
23. 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%
