Browsing by Author "TAYDEN MACKONZIE FURTADO"

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    A Study on the Impact of Equated Monthly Instalment (EMI) Facilities on Customer’s Purchase Decision and Satisfaction Regarding Durable Products in Goa
    (ASST. PROF. MOHAN R. UNDAKOTI, 2026) TAYDEN MACKONZIE FURTADO; REEGAN CARDOSO; TAISEEN BI; ALAN BAIJU; JOLINDA ANNIDA FERNANDES
    The present study titled “A Study on the Impact of Equated Monthly instalment (EMI) Facilities on Customer’s Purchase Decision and Satisfaction Regarding Durable Products in Goa” examines how EMI facilities influence consumer buying behaviour and satisfaction levels. With the growing availability of credit-based payment options, EMI has emerged as a significant financial tool that enables consumers to purchase high-value durable goods without immediate financial burden. The study is based on primary data collected from 295 respondents across various talukas of Goa using a structured questionnaire. The findings indicate a high level of awareness and usage of EMI facilities, particularly among young and salaried individuals. Factors such as interest rates, repayment tenure, income level, ease of documentation, and promotional offers significantly influence customers’ decisions to opt for EMI. The study also reveals that EMI enhances affordability, supports budget management, and positively impacts customer satisfaction, although concerns regarding interest rates and financial discipline remain. Overall, EMI facilities play a crucial role in shaping purchase decisions and improving access to durable products while influencing consumer financial behaviour.