Survey on the Viewpoints of Credit Beneficiaries Qua Consumers in Order to increase Banking Accountability
The paper aims to demonstrate that the unprecedented granting of consumer credits to population in recent years, under the circumstances of a spectacular goods supply growth, has adversely affected some consumers, and jeopardized the protection of their life, health and safety. The research metho...
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| Format: | Article |
| Language: | English |
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Editura ASE
2014-02-01
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| Series: | Amfiteatru Economic |
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| Online Access: | http://www.amfiteatrueconomic.ro/ArticolEN.aspx?CodArticol=1256 |
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| _version_ | 1849306360833900544 |
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| author | Dragoş Ilie Laura Ungureanu |
| author_facet | Dragoş Ilie Laura Ungureanu |
| author_sort | Dragoş Ilie |
| collection | DOAJ |
| description | The paper aims to demonstrate that the unprecedented granting of consumer credits to
population in recent years, under the circumstances of a spectacular goods supply growth,
has adversely affected some consumers, and jeopardized the protection of their life, health
and safety. The research method consists in a survey that gave, to a number of 560 credit
beneficiaries, qua consumers, the opportunity to freely express their viewpoints. Data
collection and processing has resulted in the filling of a 14 queries questionnaire by each of
the 560 consumers in the South-Western Oltenia region and, subsequently, in data analysis.
The main findings show that consumers have experienced a decline in what concerns their
standard of living and that sustainable consumption of goods was barely stimulated. Based
on the survey results, the paper proposes a banking accountability indicators system and a
consumer credits quality pattern of analysis that would increase banking accountability
towards such credits by reducing their negative externalities on people’s lives, stimulating
sustainable consumption, giving thorough and accurate information, managing complaints
and disputes, educating and raising consumers awareness. |
| format | Article |
| id | doaj-art-2edb3a22cdc64442a501954b1921b2c3 |
| institution | Kabale University |
| issn | 1582-9146 2247-9104 |
| language | English |
| publishDate | 2014-02-01 |
| publisher | Editura ASE |
| record_format | Article |
| series | Amfiteatru Economic |
| spelling | doaj-art-2edb3a22cdc64442a501954b1921b2c32025-08-20T03:55:07ZengEditura ASEAmfiteatru Economic1582-91462247-91042014-02-011635138153Survey on the Viewpoints of Credit Beneficiaries Qua Consumers in Order to increase Banking AccountabilityDragoş Ilie0Laura Ungureanu 1Spiru Haret University - Bucharest, RomaniaSpiru Haret University - Bucharest, RomaniaThe paper aims to demonstrate that the unprecedented granting of consumer credits to population in recent years, under the circumstances of a spectacular goods supply growth, has adversely affected some consumers, and jeopardized the protection of their life, health and safety. The research method consists in a survey that gave, to a number of 560 credit beneficiaries, qua consumers, the opportunity to freely express their viewpoints. Data collection and processing has resulted in the filling of a 14 queries questionnaire by each of the 560 consumers in the South-Western Oltenia region and, subsequently, in data analysis. The main findings show that consumers have experienced a decline in what concerns their standard of living and that sustainable consumption of goods was barely stimulated. Based on the survey results, the paper proposes a banking accountability indicators system and a consumer credits quality pattern of analysis that would increase banking accountability towards such credits by reducing their negative externalities on people’s lives, stimulating sustainable consumption, giving thorough and accurate information, managing complaints and disputes, educating and raising consumers awareness.http://www.amfiteatrueconomic.ro/ArticolEN.aspx?CodArticol=1256viewpoints of credit beneficiaries qua consumersconsumer creditsbanking accountabilityconsumersnegative externalitiesbanking accountability indicatorsa pattern of quality analysis of consumer credits. |
| spellingShingle | Dragoş Ilie Laura Ungureanu Survey on the Viewpoints of Credit Beneficiaries Qua Consumers in Order to increase Banking Accountability Amfiteatru Economic viewpoints of credit beneficiaries qua consumers consumer credits banking accountability consumers negative externalities banking accountability indicators a pattern of quality analysis of consumer credits. |
| title | Survey on the Viewpoints of Credit Beneficiaries Qua Consumers in Order to increase Banking Accountability |
| title_full | Survey on the Viewpoints of Credit Beneficiaries Qua Consumers in Order to increase Banking Accountability |
| title_fullStr | Survey on the Viewpoints of Credit Beneficiaries Qua Consumers in Order to increase Banking Accountability |
| title_full_unstemmed | Survey on the Viewpoints of Credit Beneficiaries Qua Consumers in Order to increase Banking Accountability |
| title_short | Survey on the Viewpoints of Credit Beneficiaries Qua Consumers in Order to increase Banking Accountability |
| title_sort | survey on the viewpoints of credit beneficiaries qua consumers in order to increase banking accountability |
| topic | viewpoints of credit beneficiaries qua consumers consumer credits banking accountability consumers negative externalities banking accountability indicators a pattern of quality analysis of consumer credits. |
| url | http://www.amfiteatrueconomic.ro/ArticolEN.aspx?CodArticol=1256 |
| work_keys_str_mv | AT dragosilie surveyontheviewpointsofcreditbeneficiariesquaconsumersinordertoincreasebankingaccountability AT lauraungureanu surveyontheviewpointsofcreditbeneficiariesquaconsumersinordertoincreasebankingaccountability |