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Croatian Operational Research Review, Vol.5 No.1 Ožujak 2014.

Izvorni znanstveni članak

Credit card spending limit and personal finance: system dynamics approach

Mirjana Pejić Bach   ORCID icon orcid.org/0000-0003-3899-6707 ; University of Zagreb, Zagreb, Croatia
Jovana Zoroja   ORCID icon orcid.org/0000-0003-2178-2913 ; University of Zagreb, Zagreb, Croatia
Marjana Merkač Skok ; Fakulteta za poslovne in komercijalne vede, Celje

Puni tekst: engleski, pdf (1 MB) str. 35-47 preuzimanja: 1.388* citiraj
APA 6th Edition
Pejić Bach, M., Zoroja, J. i Merkač Skok, M. (2014). Credit card spending limit and personal finance: system dynamics approach. Croatian Operational Research Review, 5 (1), 35-47. Preuzeto s https://hrcak.srce.hr/120191
MLA 8th Edition
Pejić Bach, Mirjana, et al. "Credit card spending limit and personal finance: system dynamics approach." Croatian Operational Research Review, vol. 5, br. 1, 2014, str. 35-47. https://hrcak.srce.hr/120191. Citirano 15.12.2018.
Chicago 17th Edition
Pejić Bach, Mirjana, Jovana Zoroja i Marjana Merkač Skok. "Credit card spending limit and personal finance: system dynamics approach." Croatian Operational Research Review 5, br. 1 (2014): 35-47. https://hrcak.srce.hr/120191
Harvard
Pejić Bach, M., Zoroja, J., i Merkač Skok, M. (2014). 'Credit card spending limit and personal finance: system dynamics approach', Croatian Operational Research Review, 5(1), str. 35-47. Preuzeto s: https://hrcak.srce.hr/120191 (Datum pristupa: 15.12.2018.)
Vancouver
Pejić Bach M, Zoroja J, Merkač Skok M. Credit card spending limit and personal finance: system dynamics approach. Croatian Operational Research Review [Internet]. 2014 [pristupljeno 15.12.2018.];5(1):35-47. Dostupno na: https://hrcak.srce.hr/120191
IEEE
M. Pejić Bach, J. Zoroja i M. Merkač Skok, "Credit card spending limit and personal finance: system dynamics approach", Croatian Operational Research Review, vol.5, br. 1, str. 35-47, 2014. [Online]. Dostupno na: https://hrcak.srce.hr/120191. [Citirano: 15.12.2018.]

Sažetak
Credit cards have become one of the major ways for conducting cashless transactions. However, they have a long term impact on the well being of their owner through the debt generated by credit card usage. Credit card issuers approve high credit limits to credit card owners, thereby influencing their credit burden. A system dynamics model has been used to model behavior of a credit card owner in different scenarios according to the size of a credit limit. Experiments with the model demonstrated that a higher credit limit approved on the credit card decreases the budget available for spending in the long run. This is a contribution toward the evaluation of action for credit limit control based on their consequences.

Ključne riječi
credit card; credit limit; system dynamics

Hrčak ID: 120191

URI
https://hrcak.srce.hr/120191

Posjeta: 1.773 *