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Credit Card Ownership and Usage Behaviour in Botswana

Author

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  • Godfrey Themba
  • Clara. B. Tumedi

Abstract

The study examines credit card ownership and usage in Botswana, and their posited association with consumer demographics and attitude toward debt. In this study, we find that credit card ownership and usage in Botswana are relatively high and that these appear to be influenced by consumer demographics and in particular income, age, education, gender and marital status as well as attitude towards debt. Attitude towards debt is generally negative across all groups. However, chi-square results suggest that these findings are not statistically significant. Only age and gender seem to be significantly related to attitude towards debt where the youth and females are more likely than other demographic groups to have negative attitude towards debt. The study recommends segmenting the credit card market in Botswana based on consumer demographics and attitudes towards debt.

Suggested Citation

  • Godfrey Themba & Clara. B. Tumedi, 2012. "Credit Card Ownership and Usage Behaviour in Botswana," International Journal of Business Administration, International Journal of Business Administration, Sciedu Press, vol. 3(6), pages 60-71, November.
    • Handle: RePEc:jfr:ijba11:v:3:y:2012:i:6:p:60-71
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    File URL: http://www.sciedu.ca/journal/index.php/ijba/article/view/1903/963
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    File URL: http://www.sciedu.ca/journal/index.php/ijba/article/view/1903
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    Cited by:

    1. Leo Dewri & Md. Islam & Netai Saha, 2016. "Behavioral Analysis of Credit Card Users in a Developing Country: A Case of Bangladesh," International Journal of Business and Management, Canadian Center of Science and Education, vol. 11(4), pages 299-299, March.

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