ISSN2320-2882
Impact Factor9.17
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CrossRefDOI
ESTD2013
Peer ReviewTransparent
AccessOpen
Submission: Always Open
Paper Title
FACTORS INFLUENCING RETAIL CREDIT ACCESSIBILITY IN SHAPING CUSTOMER FINANCIAL STABILITY
Authors
Mr.A.Punithan , Dr. U.Thaslim Ariff
Keywords
Retail Credit, Credit Accessibility, Financial Stability, Income Level, Interest Rate, standard of living, etc.,
Abstract
Retail credit helps customers meet their financial needs and improve their standard of living. This study examines the factors influencing retail credit accessibility and its impact on customers' financial stability. The study is based on primary data collected from 200 respondents in Coimbatore using a structured questionnaire. Tools like percentage analysis, ranking analysis, ANOVA, correlation, and regression are used. The results show that income level, loan processing speed, and interest rate are the main factors affecting credit access. It also finds that better access to credit improves financial stability, while poor usage may create financial problems. Overall, proper access to credit and responsible borrowing can improve customers' financial condition.
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Choose the style your journal or department asks for, then copy it. Every version below is generated from this paper's own record.
IJCRT — journal style
"FACTORS INFLUENCING RETAIL CREDIT ACCESSIBILITY IN SHAPING CUSTOMER FINANCIAL STABILITY", IJCRT - International Journal of Creative Research Thoughts (www.ijcrt.org), ISSN:2320-2882, Vol.14, Issue 5, page no.a21-a28, May 2026, Available :https://ijcrt.org/papers/IJCRT2605004.pdf
APA — 7th edition
Mr.A.Punithan, & Ariff, U. T. (2026). FACTORS INFLUENCING RETAIL CREDIT ACCESSIBILITY IN SHAPING CUSTOMER FINANCIAL STABILITY. International Journal of Creative Research Thoughts, 14(5), a21-a28. https://ijcrt.org/viewpaperforall.php?paper=IJCRT2605004
MLA — 9th edition
Mr.A.Punithan, and U.Thaslim Ariff. "FACTORS INFLUENCING RETAIL CREDIT ACCESSIBILITY IN SHAPING CUSTOMER FINANCIAL STABILITY." International Journal of Creative Research Thoughts, vol. 14, no. 5, 2026, pp. a21-a28, https://ijcrt.org/viewpaperforall.php?paper=IJCRT2605004.
Chicago — 17th, bibliography
Mr.A.Punithan, and U.Thaslim Ariff. "FACTORS INFLUENCING RETAIL CREDIT ACCESSIBILITY IN SHAPING CUSTOMER FINANCIAL STABILITY." International Journal of Creative Research Thoughts 14, no. 5 (2026): a21-a28. https://ijcrt.org/viewpaperforall.php?paper=IJCRT2605004.
Harvard — author–date
Mr.A.Punithan and Ariff, U.T. (2026) 'FACTORS INFLUENCING RETAIL CREDIT ACCESSIBILITY IN SHAPING CUSTOMER FINANCIAL STABILITY', International Journal of Creative Research Thoughts, 14(5), pp. a21-a28. Available at: https://ijcrt.org/viewpaperforall.php?paper=IJCRT2605004
IEEE — numbered reference
Mr.A.Punithan and U. T. Ariff, "FACTORS INFLUENCING RETAIL CREDIT ACCESSIBILITY IN SHAPING CUSTOMER FINANCIAL STABILITY," IJCRT, vol. 14, no. 5, pp. a21-a28, May. 2026.
Vancouver — biomedical
Mr.A.Punithan, Ariff UT. FACTORS INFLUENCING RETAIL CREDIT ACCESSIBILITY IN SHAPING CUSTOMER FINANCIAL STABILITY. IJCRT. 2026 May;14(5):a21-a28.
AMA — 11th edition
Mr.A.Punithan, Ariff UT. FACTORS INFLUENCING RETAIL CREDIT ACCESSIBILITY IN SHAPING CUSTOMER FINANCIAL STABILITY. IJCRT. 2026;14(5):a21-a28. Accessed at https://ijcrt.org/viewpaperforall.php?paper=IJCRT2605004
BibTeX — Zotero, Mendeley, LaTeX
@article{IJCRT2605004,
author = {Mr.A.Punithan and U.Thaslim Ariff},
title = {FACTORS INFLUENCING RETAIL CREDIT ACCESSIBILITY IN SHAPING CUSTOMER FINANCIAL STABILITY},
journal = {International Journal of Creative Research Thoughts},
volume = {14},
number = {5},
pages = {a21-a28},
year = {2026},
month = {May},
issn = {2320-2882},
url = {https://ijcrt.org/viewpaperforall.php?paper=IJCRT2605004}
}
RIS — EndNote, RefWorks
TY - JOUR
AU - Mr.A.Punithan
AU - Ariff, U.Thaslim
TI - FACTORS INFLUENCING RETAIL CREDIT ACCESSIBILITY IN SHAPING CUSTOMER FINANCIAL STABILITY
T2 - International Journal of Creative Research Thoughts
JA - IJCRT
VL - 14
IS - 5
PY - 2026
SN - 2320-2882
UR - https://ijcrt.org/viewpaperforall.php?paper=IJCRT2605004
SP - a21-a28
ER -
Issue
Volume 14 Issue 5,
May-2026
Pages : a21-a28
Article Information
- Pages
- a21-a28
- Published
- May 2026
- Registration ID
- IJCRT_307325
- Published Paper ID
- IJCRT2605004
- Research Area
- Commerce All
- Author Type
- Indian Author
- Location
- Tiruppur, Tamilnadu, India
- Peer Review
- Request Peer Review Report
- Licence
- CC BY 4.0 · Open Access
- ISSN & Impact Factor
- 2320-2882 · IF 9.17
- Downloads
- 185
- Permanent Link
- https://ijcrt.org/viewpaperforall.php?paper=IJCRT2605004
- Published Paper PDF
- https://ijcrt.org/papers/IJCRT2605004.pdf
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International Journal of Creative Research Thoughts
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2320-2882
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The authors would like to thank the reviewers and the editorial board of International Journal of Creative Research Thoughts for their careful reading and constructive comments, and all colleagues who supported the preparation of this manuscript.
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