CREDIT CARD OWNERSHIP AND DEBT STATUS IN MALAYSIA

被引：2
|
作者：
Loke, Yiing Jia [1 ]
Yen, Steven T. [2 ]
Tan, Andrew K. G. [1 ]
机构：
[1] Univ Sains Malaysia, Sch Social Sci, George Town 11800, Malaysia
[2] Univ Tennessee, Dept Agr & Resource Econ, Knoxville, TN 37996 USA
来源：
SINGAPORE ECONOMIC REVIEW | 2013年 / 58卷 / 03期
关键词：
Credit card debt; credit card ownership; credit revolver; convenience user; ordered probit model; sample selection; DEMAND; MONEY; BEHAVIOR; PAYMENT; MODEL; COST;
D O I：
10.1142/S0217590813500161
中图分类号：
F [经济];
学科分类号：
02 ;
摘要：
This paper examines the role of socio-demographic and credit consumption tendencies in affecting credit card ownership and debt status. Based on a sample of 938 individuals from three major cities in Malaysia, card holders' debt status is measured in relation to credit card expenditure, which in turn is categorized into convenience users, low-risk credit revolvers and high-risk credit revolvers. While socio-demographic factors play significant roles in determining card ownership, card holders' credit consumption tendencies, such as past debt history and type of loan possessed, have varying adverse effects on the card holder's debt status.
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页数：26
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