{"id":"https://openalex.org/W1901423208","doi":"https://doi.org/10.1111/j.1470-6431.2010.00946.x","title":"Idiosyncratic use of credit facilities by consumers in an emerging economy","display_name":"Idiosyncratic use of credit facilities by consumers in an emerging economy","publication_year":2010,"publication_date":"2010-11-19","ids":{"openalex":"https://openalex.org/W1901423208","doi":"https://doi.org/10.1111/j.1470-6431.2010.00946.x","mag":"1901423208"},"language":"en","primary_location":{"id":"doi:10.1111/j.1470-6431.2010.00946.x","doi":"https://doi.org/10.1111/j.1470-6431.2010.00946.x","is_oa":false,"landing_page_url":"https://doi.org/10.1111/j.1470-6431.2010.00946.x","pdf_url":null,"source":{"id":"https://openalex.org/S173807628","display_name":"International Journal of Consumer Studies","issn_l":"1470-6423","issn":["1470-6423","1470-6431"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-a","anvur-scientific","cwts-core","fnege-3","jufo-1","ki-jl-1","norway-1","poland-100","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310320595","host_organization_name":"Wiley","host_organization_lineage":["https://openalex.org/P4310320595"],"host_organization_lineage_names":["Wiley"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Consumer Studies","raw_type":"journal-article"},"volume":null,"type":"article","indexed_in":["crossref"],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5019085954","display_name":"Alet C. Erasmus","orcid":"https://orcid.org/0000-0001-7874-3814","observed_orcids":["https://orcid.org/0000-0001-7874-3814"]},"institutions":[{"id":"https://openalex.org/I69552723","display_name":"University of Pretoria","ror":"https://ror.org/00g0p6g84","country_code":"ZA","type":"education","lineage":["https://openalex.org/I69552723"]}],"countries":["ZA"],"is_corresponding":false,"raw_author_name":"Alet C Erasmus","raw_affiliation_strings":["Department of Consumer Science, University of Pretoria, RSA"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Consumer Science, University of Pretoria, RSA","institution_ids":["https://openalex.org/I69552723"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5062907453","display_name":"Gugu Q Mathunjwa","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I69552723","display_name":"University of Pretoria","ror":"https://ror.org/00g0p6g84","country_code":"ZA","type":"education","lineage":["https://openalex.org/I69552723"]}],"countries":["ZA"],"is_corresponding":true,"raw_author_name":"Gugu Q Mathunjwa","raw_affiliation_strings":["Department of Consumer Science, University of Pretoria, RSA"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Consumer Science, University of Pretoria, RSA","institution_ids":["https://openalex.org/I69552723"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":["https://openalex.org/A5062907453"],"corresponding_institution_ids":["https://openalex.org/I69552723"],"apc_list":{"value":3400,"currency":"USD","value_usd":3400},"apc_paid":null,"fwci":5.5977,"has_fulltext":false,"cited_by_count":19,"citation_normalized_percentile":{"value":0.95984976,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":89,"max":97},"biblio":{"volume":"35","issue":"3","first_page":"359","last_page":"371"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.9707000255584717,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.9707000255584717,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.009999999776482582,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T14244","display_name":"Consumer Behavior and Marketing Influence","score":0.005499999970197678,"subfield":{"id":"https://openalex.org/subfields/1406","display_name":"Marketing"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/consumer-credit","display_name":"consumer credit","score":0.8320000171661377},{"id":"https://openalex.org/keywords/household-debt","display_name":"household debt","score":0.9390000104904175},{"id":"https://openalex.org/keywords/credit-consumption","display_name":"credit consumption","score":0.6430000066757202},{"id":"https://openalex.org/keywords/eswatini","display_name":"Swaziland","score":0.7379999756813049},{"id":"https://openalex.org/keywords/loan-agreement","display_name":"loan agreement","score":0.4169999957084656},{"id":"https://openalex.org/keywords/consumer-vulnerability","display_name":"consumer vulnerability","score":0.4620000123977661},{"id":"https://openalex.org/keywords/purchase-decision","display_name":"purchase decision","score":0.5090000033378601},{"id":"https://openalex.org/keywords/age-and-gender-differences","display_name":"age and gender differences","score":0.8320000171661377},{"id":"https://openalex.org/keywords/emerging-markets","display_name":"emerging markets","score":0.7749999761581421}],"concepts":[{"id":"https://openalex.org/C2778732403","wikidata":"https://www.wikidata.org/wiki/Q815577","display_name":"Ignorance","level":2,"score":0.7027209401130676},{"id":"https://openalex.org/C2776562857","wikidata":"https://www.wikidata.org/wiki/Q17164798","display_name":"Household debt","level":3,"score":0.6102080345153809},{"id":"https://openalex.org/C30772137","wikidata":"https://www.wikidata.org/wiki/Q5164762","display_name":"Consumption (sociology)","level":2,"score":0.6038987636566162},{"id":"https://openalex.org/C120527767","wikidata":"https://www.wikidata.org/wiki/Q3196867","display_name":"Debt","level":2,"score":0.5878596901893616},{"id":"https://openalex.org/C121087249","wikidata":"https://www.wikidata.org/wiki/Q546395","display_name":"Emerging markets","level":2,"score":0.551021933555603},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.5479233264923096},{"id":"https://openalex.org/C95713431","wikidata":"https://www.wikidata.org/wiki/Q631425","display_name":"Vulnerability (computing)","level":2,"score":0.5250290036201477},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.4198300838470459},{"id":"https://openalex.org/C2777267654","wikidata":"https://www.wikidata.org/wiki/Q3519023","display_name":"Test (biology)","level":2,"score":0.4107687473297119},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.36596590280532837},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.22639289498329163},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.0},{"id":"https://openalex.org/C38652104","wikidata":"https://www.wikidata.org/wiki/Q3510521","display_name":"Computer security","level":1,"score":0.0},{"id":"https://openalex.org/C86803240","wikidata":"https://www.wikidata.org/wiki/Q420","display_name":"Biology","level":0,"score":0.0},{"id":"https://openalex.org/C138885662","wikidata":"https://www.wikidata.org/wiki/Q5891","display_name":"Philosophy","level":0,"score":0.0},{"id":"https://openalex.org/C111472728","wikidata":"https://www.wikidata.org/wiki/Q9471","display_name":"Epistemology","level":1,"score":0.0},{"id":"https://openalex.org/C144024400","wikidata":"https://www.wikidata.org/wiki/Q21201","display_name":"Sociology","level":0,"score":0.0},{"id":"https://openalex.org/C36289849","wikidata":"https://www.wikidata.org/wiki/Q34749","display_name":"Social science","level":1,"score":0.0},{"id":"https://openalex.org/C151730666","wikidata":"https://www.wikidata.org/wiki/Q7205","display_name":"Paleontology","level":1,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.1111/j.1470-6431.2010.00946.x","doi":"https://doi.org/10.1111/j.1470-6431.2010.00946.x","is_oa":false,"landing_page_url":"https://doi.org/10.1111/j.1470-6431.2010.00946.x","pdf_url":null,"source":{"id":"https://openalex.org/S173807628","display_name":"International Journal of Consumer Studies","issn_l":"1470-6423","issn":["1470-6423","1470-6431"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-a","anvur-scientific","cwts-core","fnege-3","jufo-1","ki-jl-1","norway-1","poland-100","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310320595","host_organization_name":"Wiley","host_organization_lineage":["https://openalex.org/P4310320595"],"host_organization_lineage_names":["Wiley"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Consumer Studies","raw_type":"journal-article"}],"best_oa_location":null,"sustainable_development_goals":[],"sustainable_development_goals_aurora":[],"study_designs":[{"id":"https://openalex.org/study-designs/observational-study","display_name":"Observational Study"}],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":29,"referenced_works":["https://openalex.org/W180068945","https://openalex.org/W1483061398","https://openalex.org/W1501328383","https://openalex.org/W1516103728","https://openalex.org/W1523544194","https://openalex.org/W1993216650","https://openalex.org/W2004391037","https://openalex.org/W2005123281","https://openalex.org/W2014030366","https://openalex.org/W2031714046","https://openalex.org/W2032959214","https://openalex.org/W2033507053","https://openalex.org/W2034906470","https://openalex.org/W2048305348","https://openalex.org/W2051052146","https://openalex.org/W2054086156","https://openalex.org/W2057847416","https://openalex.org/W2058949794","https://openalex.org/W2077365790","https://openalex.org/W2132778619","https://openalex.org/W2137000480","https://openalex.org/W2141771360","https://openalex.org/W2142717837","https://openalex.org/W2158262158","https://openalex.org/W2417939194","https://openalex.org/W2914656729","https://openalex.org/W2997960800","https://openalex.org/W3021609474","https://openalex.org/W3123340585"],"related_works":["https://openalex.org/W2611832492","https://openalex.org/W1979421682","https://openalex.org/W2140119075","https://openalex.org/W1985117677","https://openalex.org/W1828390440","https://openalex.org/W3121351995","https://openalex.org/W4291274604","https://openalex.org/W3044672828","https://openalex.org/W4391169703","https://openalex.org/W7099511881"],"abstract_inverted_index":{"Abstract":[0],"A":[1],"worldwide":[2],"increase":[3],"in":[4,24,46,103,157,173,243],"household":[5,82,150],"debt":[6],"since":[7],"the":[8,11,18,34,41,71,92,111,139,158,174,215,233,236],"turn":[9],"of":[10,20,44,55,69,73,91,94],"century":[12],"has":[13],"created":[14],"considerable":[15],"concern":[16],"about":[17],"indebtedness":[19],"households,":[21],"especially":[22],"those":[23],"emerging":[25],"economies":[26],"that":[27,58,65,97,107,113,154,161,167,210],"have":[28,169,194],"been":[29],"hit":[30],"particularly":[31],"hard":[32],"by":[33,53],"global":[35],"economic":[36],"slump.":[37],"In":[38],"this":[39],"study,":[40],"credit":[42,74,95,165,237],"consumption":[43],"consumers":[45,108],"Swaziland":[47],"(N":[48],"=":[49],"264)":[50],"was":[51,217],"investigated":[52],"means":[54],"a":[56],"survey":[57],"aimed":[59],"to":[60,119,124,131,180,193,199],"identify":[61],"and":[62,129,147,184,190,232,246],"describe":[63],"factors":[64],"encouraged":[66],"consumers'":[67,89],"use":[68,102],"credit,":[70,117],"influence":[72],"on":[75,149],"their":[76,101,177,181,185,211],"buying":[77],"behaviour":[78],"when":[79],"choosing":[80],"major":[81],"appliances":[83],"or":[84],"furniture":[85],"as":[86,88,143],"well":[87],"knowledge":[90,159,238],"conditions":[93],"facilities":[96],"were":[98,155,206,223],"available":[99],"for":[100,197,219,235,250],"retail.":[104],"Findings":[105],"revealed":[106],"unequivocally":[109],"appreciate":[110],"convenience":[112],"is":[114],"associated":[115],"with":[116,121],"specifically":[118],"cope":[120],"unexpected":[122],"purchases,":[123],"benefit":[125],"from":[126,241],"special":[127],"offers":[128],"opportunity":[130,249],"afford":[132],"expensive":[133],"goods.":[134],"These":[135],"advantages":[136],"apparently":[137],"negate":[138],"negative":[140],"consequences":[141,196],"such":[142],"high":[144],"interest":[145],"rates":[146],"strain":[148],"budgets.":[151],"Mean":[152],"scores":[153],"obtained":[156],"test":[160,239],"only":[162],"reflected":[163],"upon":[164],"agreements":[166],"respondents":[168],"actually":[170],"entered":[171],"into":[172],"past,":[175],"confirmed":[176],"ignorance":[178],"pertaining":[179],"contractual":[182],"obligations":[183],"consequent":[186],"vulnerability.":[187],"Consumers'":[188],"age":[189],"gender":[191],"seem":[192],"noteworthy":[195],"efforts":[198],"enhance":[200],"informed":[201,209],"consumer":[202],"decision\u2010making.":[203],"Younger":[204],"females":[205],"significantly":[207],"better":[208],"older":[212],"counterpart":[213],"while":[214],"reverse":[216],"true":[218],"males,":[220],"although":[221],"differences":[222],"not":[224],"significant.":[225],"The":[226],"significant":[227],"inverse":[228],"relationship":[229],"between":[230],"income":[231],"LS\u2010means":[234],"differ":[240],"findings":[242],"developed":[244],"countries":[245],"provide":[247],"valuable":[248],"further":[251],"investigation.":[252]},"counts_by_year":[{"year":2025,"cited_by_count":1},{"year":2024,"cited_by_count":1},{"year":2022,"cited_by_count":2},{"year":2020,"cited_by_count":2},{"year":2019,"cited_by_count":1},{"year":2017,"cited_by_count":3},{"year":2016,"cited_by_count":2},{"year":2014,"cited_by_count":2},{"year":2013,"cited_by_count":1},{"year":2012,"cited_by_count":2}],"updated_date":"2026-10-14T16:39:01.820549","created_date":"2016-06-24T00:00:00"}
