{"product_id":"point-of-sale-credits-from-vera-metzen-9783668111608","title":"Point of sale credits from a consumer's perspective: The relationship between age and social position on perception and usage patterns of POS credits","description":"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 reasons for a positive or negative perception are strongly related to a person's age rather than to social position. Most of users of this financing tool seem to use it for acquiring non-necessary prestig-ious items. The estimated price of the item rises with the person's age and income. Main motives for using the credit instead of a bank loan could not be identified due to the sample's size. However, primary research implies that using POS credits might often be subject to previous friends' experience.\u003cbr\u003e\u003cbr\u003e\u003cb\u003eAuthor:\u003c\/b\u003e Vera Metzen\u003cbr\u003e\u003cb\u003eISBN-10:\u003c\/b\u003e 366811160X\u003cbr\u003e\u003cb\u003eISBN-13:\u003c\/b\u003e 9783668111608\u003cbr\u003e\u003cb\u003ePublisher:\u003c\/b\u003e Grin Verlag\u003cbr\u003e\u003cb\u003eLanguage:\u003c\/b\u003e English\u003cbr\u003e\u003cb\u003ePublished:\u003c\/b\u003e 03\/02\/2016\u003cbr\u003e\u003cb\u003ePages:\u003c\/b\u003e 80\u003cbr\u003e\u003cb\u003eFormat:\u003c\/b\u003e Paperback\u003cbr\u003e\u003cb\u003eWeight:\u003c\/b\u003e 0.25lbs\u003cbr\u003e\u003cb\u003eSize:\u003c\/b\u003e 8.27h x 5.83w x 0.19d","brand":"Vera Metzen","offers":[{"title":"Paperback","offer_id":46747681947903,"sku":"9783668111608","price":58.5,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0662\/2982\/9887\/files\/img_49cdc47d-978d-478e-8077-bb7865a2e893.jpg?v=1743584422","url":"https:\/\/www.whiterainbookhouse.com\/products\/point-of-sale-credits-from-vera-metzen-9783668111608","provider":"WR Book House","version":"1.0","type":"link"}