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DECISION-MAKING CREDIT PROCESS (ON THE EXAMPLE OF SELECTED OFFERS OF THE RETAIL BANKS) (Proces podejmowania decyzji kredytowej (na przykladzie ofert wybranych banków detalicznych))

100%
Wroblewska J.
Ekonomia. Rynek, Gospodarka, Społeczeństwo
|
2011
|
issue 26
97-114
EN
The article deals with the factors influencing decisions and the consumer behavior in the market for consumer loans. It appoints the differences in the perception of credit costs in terms of economics and behavior. Its main objective is to determine how important are the nominal interest rate, total cost and the amount of monthly payment in the process of choosing a particular loan offer. Based on the conjoint analysis, conducted on a group of 105 adult Poles, who declared the contact with any form of credit, the author of the article proves the hypothesis that borrowers perceive the cost of borrowing under the assumptions of mental accounting. It also answers many research questions related to individual differences in the perception of credit costs and the relationship between declared attitudes toward borrowing and accounting of mental and materiality of the analyzed characteristics of the loan.
2

TELEVISION ADVERTISING MARKET IN POLAND IN THE LIGHT OF THE GLOBAL ECONOMIC CRISIS (Rynek reklamy telewizyjnej w Polsce w swietle swiatowego kryzysu gospodarczego.)

80%
Makowski M.
Pieniądze i Więź
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2010
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vol. 13
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issue 2(47)
149-159
EN
In the last several months, we hear a lot about the global economic crisis. The crisis which stroked hardest in the United States begins to wreak havoc in Europe. In Poland the crisis is not yet as bad as in the USA or other Western Europe countries. Traders functioning on the market try to deal with bankruptcy at all costs. Enterprises, through various activities in the promotion area, are trying to encourage customers to make business transactions. It is precisely in times of crisis, when buying activity is an important condition for further enterprises' operating (existence) in the market. The article presents changes in television advertising market in Poland in the era of global economic crisis. It was noted that during the economic crisis, financial resources rationally spent on television advertising might stimulate the trade, and thus revive the economy and increase consumer optimism in the market.
3

Energy conservation as pro-environmental behaviour - a Hungarian case

80%
Dudas K.
Tarsadalomkutatas (Social Science Research)
|
2006
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vol. 24
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issue 1
87-101
EN
The solution of ecological problems requires the contribution of international organizations, national governments, civil organizations, companies, academic researchers, and individuals. The unsustainable buyer, consumer and user patterns have to be changed. Fortunately, nowadays there are more and more efforts on the part of consumers, according to results of consumer researches ecological consciousness of consumers is growing all over the world. Individuals have several opportunities to lower their own environment use; one form of it is energy conserving behaviour. Household energy use is a relevant question because producing energy burdens the environment, especially if it is not done in an environmentally conscious way. Households can conserve water, gas and electricity in many ways but every behaviour requires some kind of sacrifices. The motivations of energy-conserving behaviour can save money, together with environmental/moral considerations. Positive environmental attitudes, beliefs and values influence energy-saving behaviour favourably. According to our research, the Hungarian population has positive general environmental attitudes, and can be divided into five clusters: Unheeding townspeople, Environment sensitive people, Distance-keeper inquirers, Doubters, and Responsibilitytaker countrymen. People fundamentally try to save energy and expect it from family members, too. The main motivations are money saving and inner driving forces, but in the third place there is environment protection as energy conserving motivation. However, we have some doubts in connection with this result because respondents definitely want to meet some imaginary requirements, and this intention influences the answers. The Hungarian people are not environmentally conscious in their purchases, but their energy conserving behaviour is widespread. In demographics gender, age and education have a weak or possibly a medium effect, and property status and residence have a strongly significant influence. Positive attitudes increase while negative attitudes decrease the possibilities of such activities.
4

Sotsiokulturna rol’ hroshei u protsesi spozhyvannia

80%
Nabrusko I.
Sotsiolohiia: teoriia, metody, marketyng (Sociology: Theory, Methods, Marketing)
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2011
|
issue 1
147-155
EN
The article provides a study of money functioning and dynamics of its role in consumption. Theoretical approaches to the concept “money” as a sociological category in the works of classical authors and modern researchers are examined. Although money is, first of all, a regulator of consumption, monetarization of everyday life causes the change of traditional factors of social integration. Key characteristics of socio-cultural situation are outlined in the paper. Since the process of consumption is getting beyond the limits of economic realities, money is becoming a criterion of human values. Interiorization of cultural norms and values by an individual is equated with acquiring dominating consumption practices. So, money defines the well-established quantitative limits of consumption and, at the same time, potential limitless number of propositions that can be realized during the consumption process. Specific money properties are outlined while analyzing the process of shopping as a widely used type of consumption behavior. Money is transformed from universal equivalent of commodity value into motive and stimulus for different types of activity and acquires features of cultural value.
5

Psychologiczne predykatory zakupów online

80%
Hermanowicz-Górny M., Wiciok J., Gorbaniuk O.
Psychologia Społeczna
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2007
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vol. 2
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issue 3-4(5)
201-213
EN
The research was conducted to investigate the determinants of consumers' attitudes toward using new technology during the buying process (e-commerce). Two hundreds seventy four subjects participated in this study. The age of participants ranged from 19 to 55. 139 participants used the Internet for shopping, 135 participants were Internet users but had never done online shopping. The results are compatible to a large degree with studies that have been carried out in developed countries. The online shoppers are more impulsive in making decisions (during shopping), more variety oriented, and more risk tolerant than Internet users who do not shop online. Additionally, online purchasers accept new products faster than do traditional consumers. The relevant predictors of online shopping behavior are also: the attitude toward the process of shopping, attitude toward computers and an experiential orientation (people who are experientially-oriented like seeing, touching and trying products before buying). The general model of psychological determinants was tested by path analysis. The path analysis showed that the Theory of Planned Behavior by Ajzen and Fishbein can be a very useful tool in predicting online shopping behavior.
6

Kolko ponuk potrebuje slovensky spotrebitel?

70%
Hrabackova V., Sabo M.
Communication Today
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2012
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vol. 3
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issue 1
98-105
EN
The aim of this study is to present the results of author’s research that uncover range of offers searched by a Slovak consumer before final decision making across particular product categories. Sample size and quota sampling allow generalization of our results to whole Slovak population. Many significant differences of purchasing strategy have been revealed between demographic groups. As an example, results of our study reveal strong and direct relationship between education and number of offers searched by an individual. Additional findings are devoted to the influence of specific demographic variables as marital status or gender for the range of searched offers.
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