Use of consumer credits and relation between gross domestic product rates

Nowadays, increasing banking services and competition between banks have brought some innovations in the area of using of consumer credits. Consumer credits as oner of the important credit type given by banks has great importance on relation of banks with customers and chosing of banks. Profits of using of consumer credits in short and long-time are important for both banks and their customers.Endogenous growth rates as indicators of developing levels of a country may be seen as ratios indicate current statue of a country from education to economy and labor. Evaluating of relation of endogenuous growth rates with using of credits may be used to define possible costs of banks for using of consumer credits. For this reason, determining of relation between endogenous growth rates and consumer credits was aimed.In the research, consumer credit data of banks and participation banks from 2002 to 2008 and GDP data determined by income and expanditure from 1999 to 2006 determined by TUIK were used as a data set, afterwards correlation and repeated measure statistical tests were performed to find out relations between these variables. According to analysis results, there was not a statistical relation between consumer credits and GDP rates (p>0.01).Key Words: Consumer Credits, GDP, Endogenous Growht, Growth.