| Article |
|---|
| Article name |
Building Сonsumer Preferences of Students in Credit Market (Case of Universities in Samara) |
| Authors |
Izmaiylov A.D. chief economist, Internal Treasury department, Center for Aggregated Risks, Risk department, alexmu2000@mail.ru |
| Bibliographic description |
Izmailov A. M. Building Consumer Preferences of Students in Credit Market (Case of Universities in Samara) // Transbaikal State University Journal. 2025. Vol. 31, no. 3. P. 101–111. DOI: 10.21209/2227-9245-2025-31-3-101-111 |
| Category |
Economy |
| DOI |
339.138 |
| DOI |
10.21209/2227-9245-2025-31-3-101-111 |
| Article type |
Original article |
| Annotation |
Due to the fact that in Russia the share of students in the total population is quite significant, the study of issues of consumer preferences of this segment of the population in the field of credit products seems relevant. The object of the study is students of universities in the city of Samara. The subject of the study is consumer preferences of students of universities in the city of Samara in the field of credit products and services. The goal of the study is the analysis of consumer preferences of university students in choosing credit services provided by various credit institutions. The author has outlined the following tasks: firstly, to carry out a theoretical analysis of the most cited works in the field of formation of consumer preferences of students in order to identify key research trends in the selected problem area; secondly, to develop a specialized questionnaire aimed at identifying key consumer preferences among young people studying at universities; thirdly, to carry out a sociological study with subsequent statistical processing of the results; fourthly, to formulate conclusions and recommendations. The following are chosen as key tools for the study: theoretical (analysis of the scientific layer of works in the field of research into the formation of consumer preferences among students), sociological (development of a specialized questionnaire with subsequent organization and conduct of an anonymous survey), statistical (processing of the results, their assessment and interpretation in order to form conclusions and recommendations). The conclusion is formulated that students belong to a special group of the population, on the one hand, differing in the range of their needs, and on the other hand, as a rule, not possessing the necessary knowledge in the field of financial literacy and characterized by a low level of awareness of available credit products. According to the conclusions made, the following factors can influence the formation of students’ consumer preferences: increasing the level of financial literacy, improving tools for informing students about the possibilities of using credit and financial products, subsidizing loans, information support for students on lending issues.
|
| Key words |
youth, students, student youth, credit institutions, credit products, credit services, preferences, formation of preferences, consumer preferences, sociological survey |
| Article information |
|
| References |
1. Catic L., Poturak M. Influence of brand loyalty on consumer purchase behavior. International Journal of Research in Business and Social Science. 2022;11(8):83–91. DOI: 10.20525/ijrbs.v11i8.2024. EDN: IJKTTK
2. Dukhnovsky SV. Dynamics of career preferences in management students. Psychology in Education. 2022;4(2):164–172. DOI: 10.33910/2686-9527-2022-4-2-164-172. EDN: XGSVON
3. Delgado-Ballester E, Jose Luis Munuera-Aleman JL. Brand trust in the context of consumer loyalty. European Journal of Marketing. 2001;35(11–12):1238-1258. DOI: 10.1108/EUM0000000006475. EDN: EBLFWJ
4. Isik A., Yasar M. F. Effects of Brand on Consumer Preferences: A study in Turkmenistan. Eurasian Journal of Business and Economics. 2015;8(16):139–150. DOI 10.17015/ejbe.2015.016.08. EDN: VQEYYP
5. Kurovsky SV, Mishin DA, Ermakova NM. Evaluation of the Opinion Leader Characteristics Influence on Consumer Behavior in Perfumery and Cosmetics Retail. Russian Economic Developments. 2024;31(7):31–43. EDN: HCEPGC
6. Petravičiūtė K, Šeinauskiené B, Rūtelionė A, Krukowski K. Linking Luxury Brand Perceived Value, Brand Attachment, and Purchase Intention: The Role of Consumer Vanity. Sustainability. 2021;13(12):6912. DOI: 10.3390/su13126912. EDN: PMKMTN
7. Zulkifli R. M., Husssain M. A., Rahman B. W. A., Duisenbayeva Sh. S. Preferences of educators and students in vocational colleges regarding teaching methods. Perspectives of Science and Education. 2022;(1):159–170. DOI: 10.32744/pse.2022.1.10. EDN: SCUAMB
8. Rahimnia F, Arian NH. Luxury consumption and the moderating role of attitude toward counterfeits: The case of an emerging market. Journal of General Management. 2021;47(1):41–55. DOI: 10.1177/03063070211013335. EDN: UARZFT
9. Yakın V, Güven H, David S. The Effect of Cognitive Dissonance Theory and Brand Loyalty on Consumer Complaint Behaviors: A Cross-Cultural Study. Sustainability. 2023;15(6):4718. DOI: 10.3390/su15064718. EDN: KWQUML
10. Yao Qi, Hu Ch, Du J. Influence of consumption resources on observers’ attitudes towards luxury brands: the perspective of power distance belief. The Journal of Product & Brand Management. 2023;32(8):1191–1206. DOI: 10.1108/jpbm-03-2022-3920. EDN: DDPPAY
11. Anopchenko AI, Rossinskaya MV. Consumer preferences and factors influencing choice of medicines: a client journey analysis. Russian Economic Bulletin. 2024;7(4):283–290. DOI: 10.58224/2658-5286-2024-7-4-283-290. EDN: JENWSZ (In Russian).
12. Volkov AP. Consumer preferences of students in the food market. In: School of Young Scientists in the Humanities: Materials of the regional profile seminar. Lipetsk: Lipetskii gosudarstvennyi pedagogicheskii universitet im. PP. Semenova-Tyan-Shanskogo; 2018. P. 57–59. EDN: RUSUTZ (In Russian).
13. Kalinina AA. A study of consumer preferences of Tomsk students when choosing clothes. Alley of Science. 2017;1(15):374-379. EDN: YMDMMX (In Russian).
14. Kuzevanova AL, Tupikova OS. The consumer behavior of Russian youth in the conditions of globalization. Business. Education. Right. 2017;(3):15–18. EDN: WPWVMB (In Russian).
15. Tadtaeva NV. Financial literacy of the Russian population. Economics and Management: Problems, Solutions. 2024;7(12):129–134. EDN: BDMUST (In Russian).
16. Temnova LV, Kirichek AA. Career trajectories of graduates of Russian universities of natural sciences and humanities. Perspectives of Science and Education. 2024;2(68):97–113. DOI: 10.32744/pse.2024.2.6. EDN: DLRYLF (In Russian).
17. Khasanshina AA. Financial literacy and its impact on economic behavior of households. Economics and Management: Research and Practice Journal. 2024;(4):92–96. DOI: 10.34773/EU.2024.4.15. EDN: BHVBDG (In Russian).
18. Khizhnaya AV, Nazarova AN, Nazarova EN. The relationship between the concepts of “financial literacy”, “financial education” and “financial culture”. Problems of Modern Teacher Education. 2024;(4):92–96. EDN: OPUFMH (In Russian).
19. Khripko YuA. Digitalization and financial literacy as factors of unification of the control function of household finances. The Professorial Journal. Series: Economic Sciences. 2024;(3):50–56. DOI: 10.18572/3034-2341-2024-3-3-50-56. EDN: FOBVES (In Russian).
20. Yakunicheva AE. Financial literacy and financial reporting as decision-making assistants to investors. Sciff. Questions of Students Science. 2023;(4):409–417. EDN: EPMDMN (In Russian).
|
| Full article | Building Сonsumer Preferences of Students in Credit Market (Case of Universities in Samara) |
