The Asymmetric Effects of Consumer Confidence on Credit Card Spending in Turkey

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dc.contributor.authorİlhan, Ali
dc.date.accessioned2025-04-06T12:11:52Z
dc.date.available2025-04-06T12:11:52Z
dc.date.issued2024
dc.departmentTekirdağ Namık Kemal Üniversitesi
dc.description.abstractThis paper analyzes the asymmetric effects of consumer confidence on personal credit card expenditures in Turkey. To this end, the impact of the consumer confidence index on real credit card spending is investigated from January 2013 to June 2023 using the threshold generalized method of moments (GMM). The linear GMM model findings indicate that consumer confidence increases real credit card expenditures. Furthermore, when the threshold GMM model is estimated using the annual percentage change of the consumer confidence index as a threshold variable, the coefficients differ across low- and high-confidence regimes. More specifically, the consumer confidence index has a statistically significant positive impact on credit card expenditure in the low-confidence regime but not in the high-confidence regime. This indicates that the optimistic expectations of economic units in a low-confidence environment may stimulate credit card spending.
dc.identifier.doi10.11611/yead.1407003
dc.identifier.endpage114
dc.identifier.issn2148-029X
dc.identifier.issn2148-029X
dc.identifier.issue1
dc.identifier.startpage101
dc.identifier.urihttps://hdl.handle.net/20.500.11776/15638
dc.identifier.urihttps://doi.org/10.11611/yead.1407003
dc.identifier.urihttps://dergipark.org.tr/tr/pub/yead/issue/83766/1407003
dc.identifier.volume22
dc.institutionauthorİlhan, Ali
dc.language.isoen
dc.publisherBandirma Onyedi Eylul University
dc.relation.ispartofYönetim ve Ekonomi Araştırmaları Dergisi
dc.relation.publicationcategoryMakale - Ulusal Hakemli Dergi - Kurum Öğretim Elemanı
dc.rightsinfo:eu-repo/semantics/openAccess
dc.snmzKA_DergiPark_20250406
dc.subjectConsumer Confidence
dc.subjectCredit Card Spending
dc.subjectThreshold GMM
dc.subjectTurkey
dc.titleThe Asymmetric Effects of Consumer Confidence on Credit Card Spending in Turkey
dc.typeResearch Article

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