Psychological Profile of Good and Bad Credit Payers in Barranquilla, Colombia
The financial world profits from the credit product, in turn, users can acquire goods that would otherwise be impossible for them. However, the circle is broken if one of the parties fails to comply, therefore, detecting possible bad payers in advance is important for companies. Research is done to...
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| বিন্যাস: | article |
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2024
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| অনলাইন ব্যবহার করুন: | https://revistas.ute.edu.ec/index.php/economia-y-negocios/article/view/1228 |
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ট্যাগ যুক্ত করুন | _version_ | 1824185870115143680 |
|---|---|
| author | Navia-Núñez, Marcela |
| author2 | Sánchez-Saánchez, Paola Andrea Rincón-Laurens, Ray Miller Barrios-Mendoza, Jaime Heredia-Vizcaíno, Diana |
| author2_role | author author author author |
| author_facet | Navia-Núñez, Marcela Sánchez-Saánchez, Paola Andrea Rincón-Laurens, Ray Miller Barrios-Mendoza, Jaime Heredia-Vizcaíno, Diana |
| author_role | author |
| collection | Revistas Universidad Tecnológica Equinoccial |
| dc.creator.none.fl_str_mv | Navia-Núñez, Marcela Sánchez-Saánchez, Paola Andrea Rincón-Laurens, Ray Miller Barrios-Mendoza, Jaime Heredia-Vizcaíno, Diana |
| dc.date.none.fl_str_mv | 2024-01-01 |
| dc.format.none.fl_str_mv | application/pdf text/html |
| dc.identifier.none.fl_str_mv | https://revistas.ute.edu.ec/index.php/economia-y-negocios/article/view/1228 10.29019/eyn.v15i1.1228 |
| dc.language.none.fl_str_mv | spa |
| dc.publisher.none.fl_str_mv | Universidad UTE |
| dc.relation.none.fl_str_mv | https://revistas.ute.edu.ec/index.php/economia-y-negocios/article/view/1228/1108 https://revistas.ute.edu.ec/index.php/economia-y-negocios/article/view/1228/1109 |
| dc.rights.none.fl_str_mv | Derechos de autor 2023 Los Autores https://creativecommons.org/licenses/by/4.0 info:eu-repo/semantics/openAccess |
| dc.source.none.fl_str_mv | Economía y Negocios; Vol. 15 No. 1 (2024): Journal Economía y Negocios (January - June); 43-63 Economía y Negocios; Vol. 15 Núm. 1 (2024): Revista Economía y Negocios (Enero - Junio); 43-63 2602-8050 10.29019/eyn.v15i1 reponame:Revistas Universidad Tecnológica Equinoccial instname:Universidad Tecnológica Equinoccial instacron:UTE |
| dc.subject.none.fl_str_mv | Economic Psychology Credit Banking Personality Consumer Profile Psicología Económica Crédito Banca Personalidad Perfil de Consumidor |
| dc.title.none.fl_str_mv | Psychological Profile of Good and Bad Credit Payers in Barranquilla, Colombia Perfil Psicológico de Buenos y Malos Pagadores de Crédito en Barranquilla, Colombia |
| dc.type.none.fl_str_mv | info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Evaluado por pares |
| description | The financial world profits from the credit product, in turn, users can acquire goods that would otherwise be impossible for them. However, the circle is broken if one of the parties fails to comply, therefore, detecting possible bad payers in advance is important for companies. Research is done to discern personality traits of good and bad credit payers. First stage consists of in-depth interviews to ten analysts and credit users. It is found that bad payers tend to indulge in external elements, being ostentatious, impulsive, and short-term; good payers, instead, indulge in internal elements. Money is a shelter to good payers, while it becomes a satisfaction, an oppression even a treason to bad ones. There are two profiles for bad payers: indifferent and addicted. For second research stage, nine factors and 48 items, with a Likert scale, are tested on 100 people. Factor analysis reduces factors to five. Money and calm are factors that identify bad payers. |
| eu_rights_str_mv | openAccess |
| format | article |
| id | REVUTE_e021d02fbc312005cfc59d4609ea9916 |
| identifier_str_mv | 10.29019/eyn.v15i1.1228 |
| instacron_str | UTE |
| institution | UTE |
| instname_str | Universidad Tecnológica Equinoccial |
| language | spa |
| network_acronym_str | REVUTE |
| network_name_str | Revistas Universidad Tecnológica Equinoccial |
| oai_identifier_str | oai:ojs.ute.edu.ec:article/1228 |
| publishDate | 2024 |
| publisher.none.fl_str_mv | Universidad UTE |
| reponame_str | Revistas Universidad Tecnológica Equinoccial |
| repository.mail.fl_str_mv | . |
| repository.name.fl_str_mv | Revistas Universidad Tecnológica Equinoccial - Universidad Tecnológica Equinoccial |
| repository_id_str | 0 |
| rights_invalid_str_mv | Derechos de autor 2023 Los Autores https://creativecommons.org/licenses/by/4.0 |
| spelling | Psychological Profile of Good and Bad Credit Payers in Barranquilla, ColombiaPerfil Psicológico de Buenos y Malos Pagadores de Crédito en Barranquilla, ColombiaNavia-Núñez, MarcelaSánchez-Saánchez, Paola AndreaRincón-Laurens, Ray MillerBarrios-Mendoza, JaimeHeredia-Vizcaíno, DianaEconomic PsychologyCreditBankingPersonalityConsumer ProfilePsicología EconómicaCréditoBancaPersonalidadPerfil de ConsumidorThe financial world profits from the credit product, in turn, users can acquire goods that would otherwise be impossible for them. However, the circle is broken if one of the parties fails to comply, therefore, detecting possible bad payers in advance is important for companies. Research is done to discern personality traits of good and bad credit payers. First stage consists of in-depth interviews to ten analysts and credit users. It is found that bad payers tend to indulge in external elements, being ostentatious, impulsive, and short-term; good payers, instead, indulge in internal elements. Money is a shelter to good payers, while it becomes a satisfaction, an oppression even a treason to bad ones. There are two profiles for bad payers: indifferent and addicted. For second research stage, nine factors and 48 items, with a Likert scale, are tested on 100 people. Factor analysis reduces factors to five. Money and calm are factors that identify bad payers.El mundo financiero obtiene ganancias del producto crédito, a su vez, los usuarios pueden adquirir bienes que de otra manera les sería imposible. Sin embargo, el círculo se rompe si una de las partes incumple, por ello, para las empresas es importante detectar con anticipación posibles malos pagadores. La investigación busca descubrir rasgos de personalidad de buenos y malos pagadores. La primera etapa consiste en entrevistas a profundidad con diez analistas y usuarios de crédito. Se revela que los malos pagadores tienden a ser ostentosos, impulsivos, cortoplacistas y encuentran satisfacción en elementos externos. Mientras que los buenos pagadores encuentran satisfacción en elementos internos. Para los buenos pagadores el dinero cobija, para los malos pagadores el dinero satisface, oprime o traiciona. Hay dos perfiles de malos pagadores: indiferentes y adictos. En la segunda etapa de investigación se establecen nueve factores y 48 ítems con escala de Likert que son probados en 100 personas. El análisis factorial reduce a cinco los factores. Los factores dinero y calma permiten identificar a los malos pagadores.Universidad UTE2024-01-01info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionPeer-reviewedEvaluado por paresapplication/pdftext/htmlhttps://revistas.ute.edu.ec/index.php/economia-y-negocios/article/view/122810.29019/eyn.v15i1.1228Economía y Negocios; Vol. 15 No. 1 (2024): Journal Economía y Negocios (January - June); 43-63Economía y Negocios; Vol. 15 Núm. 1 (2024): Revista Economía y Negocios (Enero - Junio); 43-632602-805010.29019/eyn.v15i1reponame:Revistas Universidad Tecnológica Equinoccialinstname:Universidad Tecnológica Equinoccialinstacron:UTEspahttps://revistas.ute.edu.ec/index.php/economia-y-negocios/article/view/1228/1108https://revistas.ute.edu.ec/index.php/economia-y-negocios/article/view/1228/1109Derechos de autor 2023 Los Autoreshttps://creativecommons.org/licenses/by/4.0info:eu-repo/semantics/openAccess2024-01-10T21:47:00Zoai:ojs.ute.edu.ec:article/1228Institucionalhttps://www.ute.edu.ec/revistas-ute/Universidad privadahttps://www.ute.edu.ec/..Ecuador.1390-65421390-6542opendoar:02025-02-07T20:36:27.817087Revistas Universidad Tecnológica Equinoccial - Universidad Tecnológica Equinoccialtrue |
| spellingShingle | Psychological Profile of Good and Bad Credit Payers in Barranquilla, Colombia Navia-Núñez, Marcela Economic Psychology Credit Banking Personality Consumer Profile Psicología Económica Crédito Banca Personalidad Perfil de Consumidor |
| status_str | publishedVersion |
| title | Psychological Profile of Good and Bad Credit Payers in Barranquilla, Colombia |
| title_full | Psychological Profile of Good and Bad Credit Payers in Barranquilla, Colombia |
| title_fullStr | Psychological Profile of Good and Bad Credit Payers in Barranquilla, Colombia |
| title_full_unstemmed | Psychological Profile of Good and Bad Credit Payers in Barranquilla, Colombia |
| title_short | Psychological Profile of Good and Bad Credit Payers in Barranquilla, Colombia |
| title_sort | Psychological Profile of Good and Bad Credit Payers in Barranquilla, Colombia |
| topic | Economic Psychology Credit Banking Personality Consumer Profile Psicología Económica Crédito Banca Personalidad Perfil de Consumidor |
| url | https://revistas.ute.edu.ec/index.php/economia-y-negocios/article/view/1228 |