Based on previous studies and using an approach of tripartite classijication of attitude, an instrument measuring college students' attitudes toward credit was carefully constructed. Its reliability and validity were tested. Chi-square tests indicated that the factors associated with differences in attitude towards credit card use comprising three componentsaffective, cognitive and behavioural included gender, academic major, living arrangement, number of credit cards owned, number of all cards (store cards, phone cards, and petrol cards) owned, time of using credit cards, and cosignment status. Implications for consumer credit educators and practitioners were specified.College students are a very important population in terms of credit card use. Even though full-time college students cannot meet the customary standards of creditworthinessliving for a certain length of time at one address, working for an employer for an extended period, or earning a minimum incomethey still have several ways to acquire credit cards. The targeting of thirteen million college students has been one marketing strategy to increase the number of credit cardholders. Twenty-nine per cent of U.S. undergraduates have Amex cards, Citicorp cards, and other cards. More importantly, today's college students are more likely to be credit card users in the future. According to the Bank Credit Card Observer's 1986 survey, 60% of Americans without a college degree owned at least one credit card, versus 83% for college graduates.The attitude towards credit cards was found to be an important factor in behaviour of credit card use. Also, credit attitudes contribute to financial satisfaction. As Danes and Hira stated, 'The college students often know general facts about money management topics, but they lack knowledge in specifics'. Thus, identifying factors that influence college students' attitudes towards credit cards will be of benefit to consumer credit educators and practitioners when they help these young adults achieve their financial well-being in effective use of credit cards. This paper presents a carefully constructed instrument for measuring college students' attitudes toward credit cards. This instrument has several features. First, it was developed on the basis of previous credit card studies. Second, its reliability and validity, which
Despite its many health benefits, seafood consumption has declined partially due to consumers' safety concerns. Efforts to provide safety assurance to consumers have focused on provision of government inspection programs; programs that both consumer groups and the seafood industry have called inadequate. This study explores consumer preferences for a wide array of alternative safety assurances. Consumers' selection of and willingness to pay for seafood safety assurances were elicited using an in-person market-like experiment.Results indicate that consumers are able to demonstrate clear preferences and values for alternative assurances. This indicates further consumer research is warranted to provide a basis for public policy recommendations regarding seafood safety assurances.Over the past decade, consumers have become aware of the many benefits of seafood consumption. Concern for more healthy diets has led to increased levels of seafood consumption. In 1992, per capita consumption of seafood was 14.8 pounds, an 18.4 percent increase from 1980 (U.S. Department of Commerce 1993).' This has occurred despite the fact that the price index for seafood has risen faster than any other animal food commodity over the same period (Putnam and Allshouse 1992). The above data mask the fact that seafood consumption has declined to 14.8 pounds per capita from a record high in 1987 of 16.2 pounds per capita. In part, this may be due to increases in relative prices or decreased demand for luxury goods in a 'Per capita consumption is calculated by the U.S. Department of Commerce using disappearance data for commercially available seafood. As a general category, seafood includes finfish, shellfish, and crustaceans in fresh, frozen, and processed product forms.
The benefits and risks of consuming seafood have received much media attention recently yet little research has been done in the area of seafood quality. This paper provides a background of the issues involved and proposes a research agenda for the study of consumers and seafood quality. Implications for public policy are drawn.
This paper identifies factors that influence consumers' seafood safety perceptions and examines how these perceptions affect consumers' anticipated consumption when consumers are provided with additional information relevant to seafood. A recursive system of equations is specified describing consumers' safety perceptions as a function of past experience with seafood, recreational harvest activities, and risk-taking behavior, and describing the influence of safety perceptions on consumers' anticipated demand response to hypothetical information concerning seafood. A telephone survey of randomly selected Rhode Island consumers provided data for the analysis.
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