Point of sale credits from a consumer's perspective

Bachelor Thesis from the year 2009 in the subject Business economics - Miscellaneous, grade: 1,4, Heidelberg International Business Academy, language: English, abstract: Being a traditional emergency credit for the poorer members of society for a long time, most people thought that POS credits were 'unsolid' and thus did not use it. Nowadays, this situation has changed for a variety of reasons and several authors have under-taken research on the subject in general or from a retailer's perspective. This piece of work focuses on the consumer's perspective of POS credits and shows that several factors, such as age, discretionary income and social position determine a person's perception and usage pattern of the POS credit. In order to identify these relationships the author has undertaken primary and secon-dary research. The knowledge of authors who have previously written on the subject has been used to design a questionnaire that allows for a considerable analysis of the above mentioned relationships. For primary research 100 anonymous people have been questioned in a shopping cen-tre in Heidelberg, Germany using an interview administered quantitative questionnaire. Most of the results are in line with the findings of other authors. However, primary re-search shows that society as a whole still believes that a POS credit is an emergency credit and that most people's perception of the credit is not as favourable as it is often assumed. Moreover, specific...