Asia Business development,Indonesia IT market,Japan market research,sales channel,consumer trend, distribution

Questionnaire surveys on cash advance and card loan

 

Project name:	Questionnaire surveys on cash advance and card loan
Subject (Respondents):	Japanese male and female age 20～49 who have used cashing card or card loan within a year
Samples:	300s
	Male Male 150s Female 150s Sum 300s
Research conducted on	April 7, 2009 - May 28, 2009

 

Sex N=300

Age N=300

Marital Status N=300

Place N=300

Occupation N=300

 

Salary (in Yen) N=300

 

Result

Q1. How often do you use cash advance and card loan?(No warranty) (SA)

 

N=300

No.1: Once a month- 19.3%

No.2: Once every 2-3months-18.0%

No.3: Once a year-14.0%

 

Q2. How much do you borrow each time ? (In JPY)

 

N=300

No.1: Less than JPY10,000-20,000 -26.7%

No.2: Less than JPY100,000-200,000 - 16.0%

No.3: Less than JPY20,000-30,000 - 15.0%

No.4: Less than JPY40,000 -66.0%

 

Q3. What is the purpose of using cash advance or card loan?(No warranty) (MA)

 

No.1: For living expense - 53.0%

No.2: For companionship costs - 27.7%

No.3: To buy things I want - 23.7%

 

Q4. when have you used cash advance the first?(SA)

 

N=300

No.1: More than 6 years-20.3%

No.2 -I don't remember-18.3%

No.3: Within 5 years -17.7%

 

Q5. What credit card or card loan do you have? (No warranty) (MA) Please clarify which card you use often.

 

 

No.1: Credit card - 78.0%

 

Q6. What do you feel about future use of cash advance? (SA)

 

No.1: Not sure- 38.0%

No.2: I think I'lll use it less - 30.3%

No.3: I think I'll use it a bit less-19.0%

 

Q7. What is the reason of feeling that?

 

N=300

<I think I'll use it more> n=12

• Due to depression (Male, 30s)
• I need more stuff due to marriage(Male, 40s)
• I have little salary. (Female, 20s)
• In order to use it for living expense. (Female, 30s)

<I think I'll use it a bit more> n=26

• I basically use credit card or cyber money. I don’t carry banking card so when I need money, I use card advance. （Male, 30s）  
• My living expenses are too much since my bonus payment and over working hours pay were lessen. (Male, 40s)
• There are a lot of my friends' weddings. (Female, 20s)
• My husband's salary got less. (Female, 30s)
  <Not sure>　n=114
• I want to use less cash advance. I don’t want to make it my habit. (Male, 30s)
• If this economical condition continues, I would never use it. If I lose job or this economical condition changes, I might use it. (Male, 40s)  
• I do not want to borrow money but sometimes I might have to borrow. (Female, 20s)
• I want to use less of it but family budget is tight so I might need to use it.  (Female, 30s)

<I think I'll use it a bit less>　n=57

• I don't want to use it besides there is an emergency (Male, 30s)
• I would like to use less of it since I have to return the money anyways. (Male, 40s)
• If you cannot return the money, you carefully borrow. (Female, 30s)
• I try not to use it.(Female, 40s)

<I think I’ll use it less>　n=91

• I suspended card advance to eliminate money waste. (Male, 30s)
• Now, I don't have a plan to invest since stock market remains stagnant. (Male, 40s)
• I have no job so I am not thinking about borrowing money but returning money. (Female, 20s)
• Unless there is an emergency, I wouldn't want to use it until I pay off all. (Female, 30s)