Published on: April 2026
A STUDY ON CREDIT SYSTEM AND ITS IMPACT ON CUSTOMERS
Himaja Anavilla Vuppu Vijay
Dr Rakhee Renapurkar
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Abstract
India’s credit system has drastically changed over time, from hand loans to loans from digital apps. This study observes how changes in the credit system is affecting the customers' consumption of credit from different resources over the last 5 years. After receiving the literature, it is observed that the majority of the research papers lack research on how customers utilise the credit system. Thus it is considered as one of the objectives for this research paper. This study evaluated if customers are aware of the credit system and its changes during changing times. Observes how the availability of credit to customers is evaluated using variables like CIBIL score, timely repayment of debt, income of customer etc., Focuses on how individuals plan their finances by optimally utilising their credit availability, are they willing to forego additional amount of interest to obtain specific product or services by taking it on credit is one of the major aspect of this study. Primary data is collected through questionnaires, which consist of a sample of 170 respondents. Since the topic deals with the credit system, only those with regular income are considered for quality input. The sampling technique and Sampling method used is convenience sampling. Used analytical tools like chi-square, ANOVA and regression to analyse the collected data. Data analysis is done using SPSS software. Based on the outcomes of the study, suggestions will be proposed for the research
How to Cite this Paper
Anavilla, H. & Vijay, V. (2026). A Study on Credit System and its Impact on Customers. International Journal of Creative and Open Research in Engineering and Management, <i>02</i>(04). https://doi.org/10.55041/ijcope.v2i4.869
Anavilla, Himaja, and Vuppu Vijay. "A Study on Credit System and its Impact on Customers." International Journal of Creative and Open Research in Engineering and Management, vol. 02, no. 04, 2026, pp. . doi:https://doi.org/10.55041/ijcope.v2i4.869.
Anavilla, Himaja, and Vuppu Vijay. "A Study on Credit System and its Impact on Customers." International Journal of Creative and Open Research in Engineering and Management 02, no. 04 (2026). https://doi.org/https://doi.org/10.55041/ijcope.v2i4.869.
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- •Published on: Apr 28 2026
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