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Wednesday, May 20 • 11:00am - 12:30pm
B3b Attitude Towards Consumer Credit Use: Scale Validation

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Various ways of measuring attitude have their advantages and disadvantages and it becomes difficult to know which is the optimal way to achieve an accurate measurement (Krosnick, Judd, & Wittenbrink, 2019). The aim of this paper is to propose a scale measuring attitude towards consumer credit use based on different evidence of validity. An electronic survey was sent by email to students from two major universities in Quebec (Canada). A total of 1323 students completed it, whose 1006 were undergraduate students and 317 were (post)graduate students (male = 325, female = 981, not mentioned = 17). Messick's (1995) approach was used to collect several types of evidence of the validity of the construct. Preliminary results of an exploratory factor analysis indicate that three dimensions compose this scale: credit is good and useful (7 items; α =.818), credit worries (7 items; α =.723) and cost and indebtedness caused by credit (3 items ; α =.643). Knowing that attitude plays an important role and is significantly linked to the motivations for credit use and the method of selection for consumer financing (Pattarin & Cosma, 2012), an accurate measurement of attitude is essential to guide professionals and policy makers in their decision-making in the right direction.  

Author(s): Jacinthe Cloutier

avatar for Jacinthe Cloutier

Jacinthe Cloutier

Assistant professor, Laval University
I have worked on personal finances researches since 2007. I use quantitative tools and statistics like SEM, regression analyses and s others. I have developped an expertise to create and validate measuring scale.

Wednesday May 20, 2020 11:00am - 12:30pm CDT
Room 3