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The purpose of the paper is to compare measures of subjective and objective knowledge as well as usage/experience measures in a credence service environment for two different samples, namely college students and non‐student adults.

Data were collected from two independent samples using self‐administered questionnaires and were analyzed using correlation and reliability analyses, factor analysis, discriminant analysis and one‐way ANOVA.

For the student sample, the results show that even though measures of subjective product knowledge, objective product knowledge, and product usage are correlated with one another, each represents one unique dimension of total product knowledge. The results for the non‐student sample show that subjective and objective knowledge converge into one dimension, product usage is a second dimension, and vicarious product knowledge a third dimension.

One limitation of the present study is that its results are anchored in the context of hospitals and might thus be most relevant to this particular choice of service. In terms of implications, the “vicarious” component of total product knowledge the study uncovers for non‐students is a promising field for future studies because it is identified as one of the dimensions of total knowledge for those non‐student consumers who have a fairly low degree of objective knowledge and direct product experience.

Marketing managers should to take into account that, for adults, subjective knowledge is a better indicator of their objective knowledge than for students (or perhaps similar segments).

The present study is one of the first studies to investigate simultaneously the three dimensions of consumer product knowledge in a credence service environment.

The purpose of this paper is to produce up‐to‐date inventories for satisfaction and Likert scales that contain commonly used scale point descriptors and their respective mean scale values and standard deviations.

All data were collected online using the SSI Survey Spot Panel. This panel is national (USA) in scope. Thirty‐nine satisfaction items and 19 agreement items were tested on a random sample consisting of individuals 21‐65 years old.

The mean value and the standard deviation were calculated for each of these descriptors. Even though only six of the items that had been tested by Jones and Thurstone (1955) were included in the list of satisfaction scale descriptors, the semantic meanings of those six have changed very little over the years.

One limitation might be that scale point descriptor inventories developed within the context of health insurance might not be valid in other service contexts.

Since the present study focuses on Likert and satisfaction scales which are frequently used in service environments, the major contribution of this study is to provide services marketers with quantitative measurement of the meanings of commonly used scale point descriptors. This permits the development of successive and/or equal interval scales and thus aids in the analyses of data sets. It will thus help service marketers to develop questionnaires that more accurately reflect actual consumer satisfaction and opinions.

The development of up‐to‐date inventories for satisfaction and Likert scales.

Previous research concerning relevant source characteristics has often confounded source expertise and source experience. This study examines whether these two source attributes have differential effects on consumer attitudes. A laboratory study based on a 2 (high/low expertise) 2 (high/low experience) factorial design was conducted. The results indicate that: consumers can distinguish between endorser expertise and experience; information communicated by an endorser high in expertise as compared to one low in expertise leads to more positive attitudes toward the endorser and the advertisement; and even though consumers can discriminate between low and high experience endorsers, no effects on attitudes toward the endorser and the advertisement can be shown. Since it seems to be more difficult for consumers to assess experience than expertise and consumers seem to discount an experienced source as being too subjective and/or not knowledgeable enough, choosing an expert endorser might be more effective for certain target markets.

In the USA, the Federal Reserve Board (FRB) has adopted a final rule amending the Truth in Lending Act's Regulation Z, effective October 1, 2001. The present study aims to use the elaboration likelihood model to explore how consumers might respond to the revised credit card disclosure requirements, focusing specifically on college students.

Each subject was randomly assigned to one of two financial scenarios and asked to choose, among competing offers, the credit card that presented the “best” match to the scenario. Subsequently, all subjects completed measures designed to test hypothesized relationships within the framework of the elaboration likelihood model.

College students possess a fairly low level of knowledge of credit cards and thus are not very well equipped to make educated choices concerning such cards.

The use of a rural student sample is a limitation and future research should investigate different populations, including those in urban and international markets.

Since the variable APR information appears to distract consumers from taking into account other important cost information, credit card issuers should develop solicitations that aid consumers in making knowledgeable choices.

The present research is the first to investigate the impact of the FRB's recently adopted final rule amending the Truth in Lending Act's Regulation Z. The findings should thus be of interest to regulators, credit card issuers, and consumer advocates.

The findings of the present study show that healthier patients, older patients, males, those with a lower level of education, those who perceive system performance to be high and those with lower levels of system usage are more satisfied with both their healthcare and health plan than their opposite counterparts. Regarding the incremental effects of these variables, the most striking finding is the strong, pivotal role of physicians in influencing patient satisfaction with healthcare. In regard to satisfaction with health plan, the extent of the problems that members have had with their health plan has by far the largest statistical influence on their satisfaction with that plan. The effects of other independent variables including the three demographic variables, self‐stated health status, number of visits to doctor’s office or clinic, and issues related to access, though significant, show relatively small statistical influences on overall satisfaction with healthcare and health plan.

The Federal Reserve Board has recently adopted a final rule amending the Truth in Lending Act's Regulation Z, effective October 1, 2001. The first study investigates how vulnerable consumers (i.e. college students) might respond to the revised credit card disclosure requirements and investigates credit card knowledge of college students. The second and third studies examine external validity issues, that is, whether urban college students are more knowledgeable about credit cards than rural students, and whether adult populations are more knowledgeable than student populations. These latter studies further investigate the relationships among objective knowledge, subjective knowledge and product usage. The results show that consumers in general are not very knowledgeable about credit cards. In order to avoid government regulation of the industry, it is recommended that credit card issuers become involved in educating consumers.

The purpose of this paper is to investigate the impact of intrinsic religious orientation (IRO) on environmental attitudes (EA) and green product purchases (GPP) in Mexico.

The study uses structural equation modeling to analyze the survey results of 242 consumers from Northern Mexico.

The results of the study show a significant influence of EA on purchasing green products. In addition, the findings suggest that consumers with higher levels of IRO have a higher propensity to buy environmentally-friendly products, but do not show more favorable attitudes toward the environment than less-religious consumers.

The study relies on a convenience sample from Northern Mexico. Further, the study relies on self-reported measures of green product purchase (GPP) and future research should incorporate real purchases of green products in addition to self-reported measures.

The findings of the study imply that marketers and policy makers striving to increase the purchasing of green products should try to induce positive attitude changes concerning the protection of the natural environment and the effectiveness of buying green products.

Since religiosity in Mexico influences the purchasing of green products positively, policy makers may reflect on what parts of current Catholic social norms could be leveraged to promote green behaviors among the general Mexican population. Social institutions and change agents, such as the Church and its representatives, may be central to achieving behavioral compliance to environmentally-friendly doctrines.

Investigating the factors that influence consumers’ environmentally-friendly attitudes and behaviors in emerging economies is imperative for attenuating the negative environmental consequences of economic growth and consumption.

The purpose of this study is to contribute to the understanding of the interrelationships between corporate social responsibility (CSR) isomorphism of headquarters (HQs) and their subsidiaries as well as corporate social performance (CSP) and corporate financial performance (CFP) at the subsidiary level.

This study tested these relationships through canonical correlation analyses. The data used were drawn from corporate HQ and 63 subsidiaries, which were publicly listed on the Istanbul Stock Exchange in 2007. Both qualitative and quantitative techniques were used in the study.

The results generally indicated that the isomorphism between the CSR practices of the HQ and those of their subsidiaries could impact both the CSP, especially the product and employee dimensions, and the CFP. No relationship was found to exist between the CSP and CFP.

Despite extensive interest by scholars and practitioners in the subject area, relatively little is known about the management of CSR by the multinational enterprises (MNEs) (Meyer, 2004), as the literature does not systematically examine the effects that occur on employee performance following the diffusion of CSR among the MNEs subsidiaries. Extending earlier literature on CSR, by integrating the effect of the CFP, the present study focuses on the effects of isomorphism between the CSR practices of the MNEs and those of their subsidiaries on both CSP and CFP. Further, the study examined the interrelation of CSP and CFP from the perspective of international management. Given the increased interest in corporate governance matters at the international level, CSR plays a central and fundamentally important role in the corporate governance of the MNEs because of both globalization forces and the pressures exerted by stakeholders. In this context, this paper is one of the first to explore the transfer of CSR practices from the MNEs to their subsidiaries. The effect of CSR on performance is an important research question, especially for emerging markets (Ibrahim and Angelidis, 1995; Waddock and Graves, 1997; Ghazali, 2007; Johnson and Greening, 1999). Despite the importance of this issue, however, until recently, only a limited discussion has been evident in the literature on CSR in the international arena with particular reference given to the emerging economies. Studying the effects of the CSR isomorphism on the performance in Turkish context is justified in three ways. First, Turkey is the largest emerging economy in Eastern Europe, the Balkans and the Middle East (Tatoglu et al., 2003, p. 7). It presents the emerging nature of the market and the transitional characteristics of the institutional environment (Cavusgil et al., 2002). Second, the drivers for CSR in Turkey, such as the other emerging markets whose institutional characteristics and economic fundamentals is similar, are exogenous and institutional rather than endogenous factors (Ararat and Gocenoglu, 2006, p. 11). Excluding the philanthropic activities, the very first manifestations of CSR were observed in the business conduct of MNEs in Turkey (Ararat and Gocenoglu, 2006, p. 11). MNEs have a dominant and leader role in Turkey for CSR practices. Finally, the subsidiaries operating in Turkey are less likely to resist the transfer of the organizational policies and practices such as human resource management policies (Sayim, 2010, 2011) and organizational culture (Ilhan, 2008). In fact, they want to even transfer the policies and practices from MNEs (Sayim 2010, 2011; Ilhan, 2008). Therefore, Turkish context provides a good case to test the effects of the CSR isomorphism on the performance.