{"doi":"10.1111/j.1470-6431.2012.01123.x","title":"The effects of financial literacy on the borrowing behaviour of <scp>T</scp>urkish financial consumers","abstract":"<jats:title>Abstract</jats:title><jats:p>Our research attempts to measure the effects of financial literacy of <jats:styled-content style=\"fixed-case\">T</jats:styled-content>urkish financial consumers on the borrowing behaviour. A questionnaire is administered to a sample of 550 people in the city of <jats:styled-content style=\"fixed-case\">E</jats:styled-content>skisehir. In‐depth interviews are undertaken with 10 financial consumers to support the findings. Findings of the study indicate differences in the borrowing behaviour of consumers with different levels of financial literacy. Considering the relationship between financial literacy and borrowing behaviour, we suggest that attempts to increase financial literacy of financial consumers may have important implications in the prevention of excessive borrowing.</jats:p>","journal":"International Journal of Consumer Studies","year":2012,"id":690009,"datarank":0.6846522287201755,"base_score":4.564348191467836,"endowment":4.564348191467836,"self_citation_contribution":0.6846522287201755,"citation_network_contribution":0.0,"self_endowment_contribution":0.6846522287201755,"citer_contribution":0.0,"corpus_percentile":null,"corpus_rank":null,"citation_count":95,"citer_count":0,"citers_with_citation_signal":0,"citers_with_endowment":0,"datacite_reuse_total":0,"is_dataset":false,"is_dataset_confidence":null,"is_data_producer":false,"deposit_databanks":null,"is_oa":false,"file_count":0,"downloads":0,"has_version_chain":false,"published_date":null,"fair_score":null,"fair_percentile":null,"algorithm_id":"datarank_citation_only_1hop_v6","ranking_scope":"data_only","authors":[{"id":1802624,"name":"Fatih Temizel","orcid":null,"position":1,"is_corresponding":false},{"id":1802625,"name":"Özlem Sayılır","orcid":null,"position":2,"is_corresponding":false},{"id":1802623,"name":"Nurdan Sevim","orcid":null,"position":0,"is_corresponding":false}],"reference_count":0,"raw_metadata":{"has_enrichment":true,"resolved":true,"title":"The effects of financial literacy on the borrowing behaviour of <scp>T</scp>urkish financial consumers","abstract":"<jats:title>Abstract</jats:title><jats:p>Our research attempts to measure the effects of financial literacy of <jats:styled-content style=\"fixed-case\">T</jats:styled-content>urkish financial consumers on the borrowing behaviour. A questionnaire is administered to a sample of 550 people in the city of <jats:styled-content style=\"fixed-case\">E</jats:styled-content>skisehir. In‐depth interviews are undertaken with 10 financial consumers to support the findings. Findings of the study indicate differences in the borrowing behaviour of consumers with different levels of financial literacy. Considering the relationship between financial literacy and borrowing behaviour, we suggest that attempts to increase financial literacy of financial consumers may have important implications in the prevention of excessive borrowing.</jats:p>","is_dataset_classified":null,"base_score":4.564348191467836,"endowment":4.564348191467836,"datacite_reuse_total":0,"file_count":0,"downloads":0,"views":0,"has_version_chain":false,"is_dataset":false,"is_oa":false,"pmid":"21097893","pmcid":null,"openalex_id":"https://openalex.org/W1632279219","authors":[],"funders":[],"total_grants":0,"fwci":6.5526,"citation_percentile":0.96117352,"influential_citations":5,"citation_trend":[{"year":2014,"count":3},{"year":2015,"count":6},{"year":2016,"count":6},{"year":2017,"count":4},{"year":2018,"count":4},{"year":2019,"count":10},{"year":2020,"count":4},{"year":2021,"count":8},{"year":2022,"count":11},{"year":2023,"count":11},{"year":2024,"count":17},{"year":2025,"count":7},{"year":2026,"count":4}],"oa_status":"closed","license":"http://onlinelibrary.wiley.com/termsAndConditions#vor","oa_locations":[{"url":"https://api.wiley.com/onlinelibrary/tdm/v1/articles/10.1111%2Fj.1470-6431.2012.01123.x","host_type":"publisher"},{"url":"https://onlinelibrary.wiley.com/doi/pdf/10.1111/j.1470-6431.2012.01123.x","host_type":"publisher"},{"url":"https://doi.org/10.1111/j.1470-6431.2012.01123.x","host_type":"journal"}],"fields_of_study":["Financial Literacy, Pension, Retirement Analysis","Housing Market and Economics","Microfinance and Financial Inclusion","Economics","Business"],"mesh_terms":[],"keywords":["Financial literacy","Sample (material)","Business","Finance","Literacy","Marketing","Economics","Economic growth"],"sdg_mappings":[{"sdg_number":0,"sdg_label":"Quality Education"}],"linked_datasets":[],"clinical_trials":[],"software_tools":[],"database_accessions":[],"source":"live","citation_network_status":"fetched"},"created_at":"2026-08-22T20:42:21.297927Z","pmid":null,"pmcid":null,"fwci":null,"citation_percentile":null,"influential_citations":0,"oa_status":null,"license":null,"views":0,"total_file_size_bytes":0,"version_count":0,"fair_f":null,"fair_a":null,"fair_i":null,"fair_r":null,"fair_zscore":null,"fair_rationale":null,"fair_model":null,"fair_agent_version":null,"fair_fulltext_source":null,"fair_has_llm":null,"fair_computed_at":null,"clinical_trials":[],"software_tools":[],"db_accessions":[],"linked_datasets":[],"topics":[]}