All retailers have to keep an eye on how their consumers expenditure preferences change, below you can find the aggregate consumer loans and credit card debt trend from banking regulation and supervision agency. (Dec'12) (bddk.gov.tr)
As seen in the figure Turkish consumers prioritized Mortgage and consumer loans over credit cards. Credit card debt has fallen in 2014 for the first time in 5 years.
This may be the reason for our unexplained phenomena of decreasing footfall to our stores?
In the table below Retail Trade Index change from Tuik can be found. It is also the year 2014 which has the smallest growth rate vs prior year in the last 5 years.
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