Table 2.

Consumer credit behavior questions

Item no.QuestionsRange
Consumer behavioral creditBC1I would contemplate taking advantage of financing for the purchase of a product or service, even if I didn’t have an immediate need, but only when the financing terms were favorable1–7 Likert Scale
BC2I would entertain the idea of taking out a loan for a vacation1–7 Likert Scale
BC3I would explore the notion of utilizing financing to address potential liquidity issues1–7 Likert Scale
BC4I would prefer applying for a loan rather than depleting my financial resources for the acquisition of goods or services1–7 Likert Scale
BC5I would be inclined to spend all the money I earn1–7 Likert Scale
BC6My current account is in a deficit1–7 Likert Scale
BC7My monthly expenses surpass my monthly income1–7 Likert Scale
BC8Before seeking financing, I would meticulously assess the associated costs1–7 Likert Scale
BC9I would carefully consider the impact of fees before applying for a loan1–7 Likert Scale
BC10I would be capable of managing loans with varying costs and repayment schedules1–7 Likert Scale
BC11I would ensure to thoroughly read the contract prior to entering into a financing agreement1–7 Likert Scale
Notes:

Every item has a 1–7 Likert scale that reflects many facets of how people handle managing their obligations, expenditures and financing. The questions mostly cover the judgment of financial risks, the inclination to use credit and the factors considered while making decisions connected to credit

Source: Authors’ own creation
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