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Bireysel kredi kartı kullanımının yaygınlaşmasıyla hane halkının kayıt altına alınan tüketim, borçlanma ve tasarruf davranışlarının incelenmesi mümkün olmuş ve bireyin iktisadi davranışlarının ekonomiye yansımaları birçok çalışmaya konu edilmiştir. Bu çalışmada bireysel kredi kartı kullanımı ile para arzı ve ekonomik göstergeler arasındaki ilişkisi Türkiye düzeyinde araştırılmıştır. Bireysel kredi kartı kullanımının reel hacmi ile reel para arzı, sanayi üretim endeksi, tüketici fiyat endeksi-D, bankalararası gecelik faiz oranı ve USD döviz kuruna ait 2005M1-2019M8 dönemini kapsayan aylık veri setiyle çalışılmıştır. Granger nedensellik analizi sonuçlarına göre, sanayi üretim endeksi, tüketici fiyat endeksi, faiz oranı, para arzı ve döviz kurundan kredi kartı kullanımına doğru tek yönlü nedensellik ilişkisi bulunmuştur. Özetle, analiz sonuçları bireysel kredi kartı kullanımının ekonomik göstergelerden ve para arzından etkilendiğini göstermektedir.
With the spread of individual credit card use, it is possible to examine the recorded consumption, borrowing and saving behaviors of households and the reflections of the individual’s economic behaviors to the economy. In this study, the relationship between individual credit card use with money supply and economic indicators were investigated in Turkey. For this purpose, the data set of the real volume of individual credit card transaction and the real money supply, industrial production index, consumer price index-D and interbank overnight interest rate and USD exchange rate were used, for the monthly period over 2005M1-2019M8. According to the Granger causality analysis results, we found that the unidirectional causality relationship from industrial production index, consumer price index, interest rate, money supply and exchange rate to credit card use. In summary, analysis results indicate that individual credit card use is affected by economic indicators and money supply.
With the spread of individual credit card usage, it is possible to examine the recorded consumption, borrowing and saving behaviors of households and the reflections of the individual’s economic behaviors to the economy. In this study, the relationship between individual credit card usage with money supply and economic indicators were investigated in Turkey. For this purpose, the data set of the real volume of individual credit card transaction and the real money supply, industrial production index, consumer price index-D and interbank overnight interest rate and USD exchange rate were used, for the monthly period over 2005M1-2019M8. According to the Granger causality analysis results, we found that the unidirectional causality relationship from industrial production index, consumer price index, interest rate, money supply and exchange rate to credit card usage. In summary, analysis results indicate that individual credit card usage is affected by economic indicators and money supply.
Field : Sosyal, Beşeri ve İdari Bilimler
Journal Type : Uluslararası
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