The Behaviours about using the consumer credits of civil servants who works on the public service

Ill ABSTRACT This research has been implemented using sampling method of asymetrical group in 510 each of government personal working in different government organizations in Konya about behaviours of using consumer credits. The 31.57% these individuals in research are woman and remaining 68.43% are men and the 45.10% are 30-39 years old. Also the 22.35% are personal on contract, the 21.37% are worker, the 15.49% are general administiration personal, the 14.51% are academic personal. The 36.86% of the individuals are graduated from high scholl and the 34.31% have licence degree. Two people of the half of indiviuals are earning money for the family. The 42.55% of individuals lives in rental houses and many of them(65.29%) has not own car. In the 65.29% of the individuals, the man of the family is responsible for the management of the money. The 27.55% of the individuals has a salary between 25. 1 - 45 Million Turkish Liras. The individuals pay an average of 11.851 ±10.039 Million TL. for constant expenditures in a monthly and 14.576±7.367 Million TL for food and 7.782±5.276 Million TL for clothing. The individuals save their income of 15.673±12.390 Million TL as foreign currency and 12.864±7.604 Million TL of this amount is paid as installment, 18.21 1±10.737 Million TL is paid for the credit card.IV The 29.41% of the individuals prefers shopping as cash and installments. The 36.20% of the individuals prefers to pay cash for the change of the price negotiation and discount with the seller, the 40.83% of them prefer to pay as installments since economical problems and the 44.03% of the individuals prefers to using credit card for the easily use. The 39.02% of the individuals use consumer credits. The 54.77% of the individuals used a consumer credit once in the last five years, the consumer credits used mainly for to buy house, car and payment of lending. The consumer credits provided by shops(86.49%) is used for electronical products, the 36.87% of individuals indicate the which bank considering the interest rate. The 47.7İ% of the individuals decide to get the credit by their husband or wife, the 31.35% of the individuals believe the first positive point to acceleration of purchasing process for use the credit. The 46.20% of the individuals believe the first negative points as high amount of the interest rate, the 49.25 % of there are partially glad to use credit, the 58.59% of them use the credit of their objectives.. The 37.88% have partially difficulties for repayment of the credit, The 51.52% prefers repayment for 12 months. The 72.86% know the interest rate of consumer credits, the 62.1 1% know bank interest rates, the 61.11% know the insurance, the 55.78% read agrement form before the signing it and 64. 14% do not know the laws of the consumer credit.