DETERMINANTS OF CONSUMER LOANS IN TURKEY: A STUDY ON ALTERNATÄ°VE CONSUMER LOANS

K. Batu Tunay () and Necla Tunay ()
Additional contact information
K. Batu Tunay: Marmara Üniversitesi Finansal Bilimler Fakültesi
Necla Tunay: Marmara Üniversitesi Finansal Bilimler Fakültesi

Eurasian Eononometrics, Statistics and Emprical Economics Journal, 2023, vol. 23, issue 23, 48-61

Abstract: Consumer loans that their risks are lower than corporate loans and their profitability is satisfactory are an important type of placement for banks. It is seen that the households also have a serious demand for these loans to finance various consumption expenditures. These assessments are valid to a large extent in Turkey and therefore the volume of consumer loans has increased in recent years. In our study, the determinants of consumer loans in Turkey were investigated econometrically in the context of international literature. Using two dynamic regression models, a sample of quarterly data covering the periods 2005:4 to 2022:4 was analyzed. In the analyzes, it was tried to determine the variables explaining the alternative consumer loans. The findings revealed that consumer loans are dependent on the past  and are affected positively by the disposable income level and negatively by the interest rate in almost all estimates. In some models, inflation and unemployment rates were also found to be effective on consumer loans. Consumer loans are affected positively by the inflation rate and negatively by the unemployment rate.

Date: 2023
References: Add references at CitEc
Citations:

Downloads: (external link)
https://eurasianacademy.org/index.php/econstat/article/view/1115 (application/pdf)

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:eas:econst:v:23:y:2023:i:23:p:48-61

DOI: 10.17740/eas.stat.2023-V23-05

Access Statistics for this article

More articles in Eurasian Eononometrics, Statistics and Emprical Economics Journal from Eurasian Academy Of Sciences
Bibliographic data for series maintained by Kutluk Kagan Sumer ().