kulutustekijät
Kulutustekijät, or consumption factors, refer to the various elements that influence an individual's or household's spending patterns and overall consumption levels. These factors can be broadly categorized into economic, social, psychological, and environmental aspects.
Economic factors include income levels, the availability of credit, interest rates, and the overall economic climate.
Psychological factors relate to individual motivations, attitudes, and perceptions. These can include the desire for novelty,