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Culture’s Influence on Consumer Behaviors: Differences Among Ethnic Groups in a

Multiracial Asian Country


Kwon Jung, KDI School of Public Policy and Management
Ah Keng Kau, National University of Singapore

ABSTRACT Malays and Indians. During the years when Singapore was under
This study investigates the effects of culture on various aspects British rule, the three ethnic groups lived separately from each
of consumer behavior in an integrative framework among the three other. They were encouraged to maintain their own unique culture
ethnic groups in Singapore. Using the Hofstede’s (1980) cultural and customs, religious values and way of life. Although national
framework, differences in their cultural orientation are hypothesized. harmony has been emphasized, it has been encouraged to maintain
Then, for each cultural dimension, related consumer behaviors are each ethnic group’s own culture by the Singapore government since
identified and differences in those behaviors are hypothesized its independence.
according to the predicted differences in each related cultural
dimension. Although the results seem to suggest that culture may be The Chinese
one of the major factors that influence the consumption behaviors, The concept of ‘face’ or “public reputation” is a very important
the strong evidence for the link between the Hofsted’s framework value in the Chinese culture in the context of interpersonal interaction
and the related consumer behaviors is not observed in this study. and social exchange. A mirror reflection of the ‘face’ concept is the
idea of gaining respect, or the concern for public reputation. The
INTRODUCTION concept of ‘face’ points to an inner sense of worth which is
As companies head towards a global market that deals with experienced by the ego (Wong 1986; Wong and Ahuvia 1998).
people from many different backgrounds and cultures, it has According to Hu (1944), the emotional impact of the loss of ‘face’
become essential for marketers to understand culture’s influence on could constitute a real dread affecting the psyche of the ego more
consumer behaviors. The recognition of the importance of culture strongly than physical fear. Hence, the Chinese tend to place high
on consumer behaviors has led to an increasing amount of research importance on the protection of ‘face’.
across cultures (Sojka and Tansuhaj 1995). More significantly, In addition, the granting of ‘face’ and the maintenance of
many studies have succeeded in establishing links between culture cordial guanxi have been highly valued and widely practiced in the
and consumer behaviors (McCracken 1986). According to Wallace Chinese community, particularly in the business community (Tan
(1965), culture is the all-encompassing force which forms person- 1986). According to Alston (1989), the term guanxi refers to the
ality, which in turn is the key determinant of consumer behaviors. special relationship two persons have with each other. It is a
Numerous cultural studies on consumer behavior have been relationship combined with reciprocity and connections. A practical
conducted, especially in western context. In those studies, differ- consequence of guanxi is that personal loyalty is often more
ences were found in consumption patterns between people of important than organizational affiliation or legal standards.
various ethnic groups (e.g. Saegert, Hoover and Hilger 1985) and According to Bond (1987), loyalty is considered to be a virtue
various geographic subgroups that hold differing cultural values by the Chinese. The Chinese have been taught from young to place
(e.g. Gentry, Tansuhaj, Manzer and John 1988). For instance, their loyalty to their family and kin. In the case of services, where
researchers have found differences in various consumer behavior there is interpersonal contact, Chinese consumers would tend to
aspects such as brand loyalty (Saegert et al. 1985), decision making stay loyal to the same provider. This is because switching would
(Doran 1994), novelty seeking and perceived risk (Gentry et al. render a loss of face to the provider, an unfavorable move that a
1988) across subcultures. Although past research has identified Chinese customer would choose to avoid.
differences in various consumer behaviors across cultures, most of
the past studies dissected consumer behaviors and each study The Malays
examined one or two specific aspects in a piecemeal-based way. Islam is regarded as an inseparable part of Malay ethnicity and
There has been relatively little effort to examine the culture’s is ingrained in its culture (Li 1989). It has been reported that 99.6%
influence on consumer behaviors in an integrated framework. of Malays are Muslims (Singapore Census of population 2000).
Therefore, the objective of this study is to investigate the The Qur’an, the revealed word of God provides definite guidelines
effects of culture on various aspects of consumer behavior in an for people in all walks of life to follow. The guidance is
integrative framework. Using the Hofestede’s (1980) cultural frame- comprehensive and includes the social, economic, political, moral
work, various consumer behaviors that could be influenced by and spiritual aspects of life. It states clearly the halal (lawful) and
culture are identified and mapped to the Hofstede’s cultural dimen- haram (forbidden). To the Muslims, there is no compartmentalization
sions. Then, the influence of the cultural dimensions on the identi- between religion and secular aspects of life, rather they see life as
fied consumer behaviors is investigated in a multiracial Southeast an integrated whole and they aim to live out Islam in all areas of their
Asian country. life. Indeed, the cumulative institutionalization of Islamic values
and practices in Malay life is the single most important influence on
SINGAPORE: A MULTIRACIAL SOCIETY the development of Malay culture in Singapore presently (Tham
Although numerous subcultural studies were done in the past, 1985).
most are done in the American or European context. Few have According to Bedlinton (1971; 1974), the Malay idea of
investigated ethnic effects in the Asian context. With major rezeki, or belief in the predetermination of man’s economic destiny,
corporations seeking to move into Asia and sell to Asian consumers, results in fatalism and a “lack of will to go on striving.” As a result
it is surprising to note the lack of subcultural research in this region. of placing their full trust in Allah to provide for them in times of need
Singapore provides a good starting point for subcultural stud- and distress, Malays are reported to avoid taking up insurance
ies on Asian customers as it is a multiracial society of Chinese, policies. To them, they only take it up if it is compulsory (e.g., car

366 Advances in Consumer Research


Volume 31, © 2004
Advances in Consumer Research (Volume 31) / 367
insurance). This element of fatalism is also perceived to be the (78.2% and 80.2% respectively). When presented with the state-
likely explanation behind the lack of achievement orientation ment: “Conforming to social norms is very important to me”, 39.7%
among the Malays (Li 1989). of Chinese respondents agreed with the statement as compared to
53.7% of Malays and 55.3% of Indians. This could be due to the
The Indians influence of Western values, as well as an increase in affluence.
Caste ideas or beliefs still operate among members of the Furthermore, many Chinese move out of their parents’ home when
Indian community in Singapore despite the fact that the structural they get married, so there is the loss of intergenerational family
props supporting the caste system are no more there in its entirety. togetherness. Those trends could account for the lesser emphasis on
The central religious tenet of orthodox Hinduism was that men were collectivism on the part of the Chinese. Hence, the following
not equal and have never been (Tham 1985). The inequality of men hypothesis is proposed:
was explained in terms of the merits and demerits accrued in
previous incarnations. Therefore, each caste was required to live H1: The Chinese will exhibit higher levels of individualism,
according to its ordained way of life (dharma). However, in the compared to the Indians and the Malays.
contemporary and meritocratic society of Singapore, the caste
system has little functional value except when Indians themselves Individualism-collectivism pertains to the behavior of people
use it as a cultural marker to distinguish their members (Wu 1982). in groups, their relationships with others around them, and how they
As compared to the Chinese and Malays, there exists much perceive themselves in relation to others. We can identify several
lesser marketing literature on Indian consumers in Singapore. One consumer behaviors that could be related to the relationships
speculation for this lack of research pertained to their size as well between individuals and their interaction with the people around
as the vast diversity within the Indian community itself. The official them. They are reference group influence (Childers and Rao 1992;
category of “Indian” is actually composed of its many linguistic Webster and Faircloth III 1994), information sharing (Hirshman
groups, Pakistanis, and Ceylonese. Besides this, it is the group with 1981; Webster 1992), opinion leadership (Ownbey and Horridge
the greatest heterogeneity in religion (please refer to Table 1). 1997) and ethnocentrism (Shimp and Sharma 1987). Based on the
Religion, like ethnicity influences behaviors by the rules and taboos assumption that individualism-collectivism is one of the funda-
it inspires. There is also suggestion that the Indian orientation has mental cultural dimensions that influences the related consumer
disappeared among a vast majority of the population, persisting behaviors, it could be said that people from cultures high in
only among the most elderly Indians. Even so, it appears in a remote individualism would be less influenced by reference groups, less
idealistic sense, in the form of “nostalgia and emotional attachment likely to engage in information sharing, less likely to be opinion
of the place where they came from” (Arasaratnam 1979). leaders and are less ethnocentric. Hence, the following ethnic
differences are hypothesized:
CULTURAL DIFFERENCE AND ITS INFLUENCE
ON CONSUMER BEHAVIORS H2a: The Chinese are less likely to be influenced by reference
Having reviewed the key cultural tradition of the three ethnic groups compared to the Indians and the Malays.
groups, the differences in cultural values and associated consumer
behaviors exhibited by the ethnic groups will be analyzed using H2b: The Chinese are less likely to engage in information
Hofstede’s (1980) cultural framework in this section. sharing compared to the Indians and the Malays.

Individualism-Collectivism H2c: The Chinese are less likely to be opinion leaders com-
Family is important to all three ethnic groups, as is the case for pared to the Indians and the Malays.
most Asians. However, differing levels of collectivism could be
detected among three ethnic groups in Singapore. The Malays see H2d: The Malays and Indians are more likely to exhibit
life as an integrated whole. According to Tham (1985), 53.8% of ethnocentric behaviors compared to the Chinese.
Malay respondents in his study listed loyalty to one’s culture and
way of life as an important value in their culture. This same value Uncertainty Avoidance
was listed by 40% of Indian respondents. However, it was not The Malays, with their fatalistic nature and their belief that
named at all by the Chinese respondents. The Malays believe that everything is predestined and out of their control, may rank the
their religion holds them together as a community and it is from lowest in terms of uncertainty avoidance. This is because their trust
Islam that they derive their collective identity (Lai 1995). This is in their religion allows them greater tolerance for ambiguity and
evidenced by the fact that 99.6% of all Malays in Singapore have risk. A study by Yeo (1997) found that the Malays had the lowest
Islam as their religion. levels of brand loyalty and perceived risk as compared to the
The Indians maintain that family solidarity should be shared Chinese and the Indians.
by all relatives (Arasu 1975), and all members of the family should The Chinese also seem to show a tendency of uncertainty
be integrated into the community. In Singapore, social and religious avoidance. This could be attributed to the need of the Chinese to
functions relating to marriage, birth and death are treated as impor- adhere to group norms in order to protect one’s ‘face’. This may
tant occasions among the Indians and this practice helps to maintain result in more image consciousness among the Chinese when they
family and community solidarity among Indians. select socially visible products. In addition, Buddhists or Taoists
The Chinese in Singapore tend to remain loyal only to their also have inclinations towards seeking religious divinations when
immediate family. For instance, they are concerned with propagat- it comes to making decisions in difficult life situations (Khoo
ing the family name (Wu 1975). However, in a recent study on 1996). This indicates that the Chinese may have a certain level of
Singaporean values by Kau, Tan and Wirtz (1998), it was found that uncertainty avoidance inherent in the culture. However, the level of
the emphasis placed by the Chinese on family is rapidly diminish- uncertainty avoidance, though expected to be lower than that of the
ing. Only 67.4% of Chinese respondents agreed with the statement: Indians, is likely to be higher than that of the Malays. This is because
“My family is the single most important thing to me”, which was only 64.4% of the Chinese are Buddhists or Taoists, compared to
much lower than the percentages of Malays and Indians who agreed the 99.6% of Malay Muslims.
368 / Culture’s Influence on Consumer Behaviors: Differences Among Ethnic Groups in a Multiracial Asian Country
On the other hand, several studies have suggested that Asian view is changing with increased education and achievements by the
Indians tend to have lower tolerance levels of ambiguity, risk and Indian community in Singapore. 40% of all married Indian women
anxiety compared to subjects from America, Canada and Japan work, second only to the 41% of Chinese women (The Straits Times
(Carament 1974; Orpan 1983). A study by Yeo (1997) confirmed 3/5/1994). Traditional Chinese women tended to stay at home to
this tendency by finding that Singaporean Indians placed an emphasis look after the household and the children. However, this has been
on product quality rather than brand when it came to making changed in Singapore, as statistics have shown. Many Chinese
purchases. Hence, the following hypothesis is suggested: women today are economically independent and perfectly capable
of looking after themselves. Therefore, both the Chinese and the
H3: The Indians will exhibit the highest level of uncer- Indians would not be high on masculinity.
tainty avoidance, followed by the Chinese, then the However, in a local lifestyle study conducted by Kau et al.
Malays. (1998), it was found that the Indians had the most liberal views on
feminism compared to the Chinese and the Malays. 78.5% of them
Uncertainty avoidance refers to how the unknown aspects of felt that a woman should have her own career, while 63.4% of
the future are dealt with. Extreme uncertainty causes anxiety and Chinese and 59.1% of Malays thought so. An even more interesting
stress, and different people have different degrees of tolerance for point to note was that 37.9% of the Indians agreed with the
such anxiety and stress. Different levels of uncertainty avoidance statement: “Women are smarter than men”, while only 18% of
tendency could influence consumer behaviors that examine the Malays and 13.1% of Chinese felt so.
ways people react in situations of uncertainty. Those behaviors The above observations lead to the conclusion that the Malays
could be perceived risk (Gentry et al. 1988), brand loyalty (Kanwar have the most prevalent values regarding sex role differentiation,
and Pagiavlas 1992; Hui et al. 1993), innovativeness (Hui et al. followed by the Chinese, while the Indians are the most pro-
1993; Tansuhaj et al. 1991), and information search (Garner and feminists. Therefore, the following hypothesis is developed:
Thompson 1986; Hirshman 1983). These behaviors involve an
element of risk, and therefore a culture that is high on uncertainty H5: The Malays are likely to rate the highest on masculinity,
avoidance would exhibit consumption behaviors that may reduce followed by the Chinese, and then the Indians.
this risk. Thus, people from such a culture would be likely to
experience higher levels of perceived risk, more brand loyal, less The cultural dimension of masculinity-femininity involves
likely to seek innovative products, and more likely to engage in sex role differentiation and the dominance of either male or female
information search. Thus, the following hypotheses are presented: values. This area of study is particularly of interest in the context of
the cultural dimension of masculinity-femininity because sex role
H4a: The Indians are likely to experience the highest levels attitudes and perceptions are ascribed through cultural norms and
of perceived risk in consumption, followed by the these attitudes influence the household decision role structure and
Chinese, then the Malays. responsibility (Kim, Laroche and Zhou 1993; O’Connor, Sullivan
and Pogorzelski 1985). Blood and Wolfe (1960) also stated that the
H4b: The Indians are most likely to remain brand loyal in degree of influence by either the husband or wife in a family
their purchase of products and services, followed by decision is contingent upon the level of traditional marital values
the Chinese, then the Malays. present in the family. It can be concluded that decision making in
the family differs across cultures and is dependent upon the extent
H4c: The Indians are least likely to seek out innovative to which the couple’s values belong to the traditional patriarchal
products or services, followed by the Chinese, then system where the husband dominates, or the more modern view of
the Malays. joint decision-making. Thus, people from cultures higher in mascu-
linity are more likely to engage in husband dominant decision
H4d: The Indians are the most likely to engage in informa- making because they believe that men should be in charge of the
tion search, followed by the Chinese, then the Malays. household.

Masculinity H6: The Malays are the most likely to engage in husband
It seems that there is evidence that sex role differentiation is dominant decision making, followed by the Chinese,
still rather prominent in the Malay culture. Traditionally, Malay and then the Indians.
men want their wives to be submissive to the husband, and stay at
home full-time to look after the children. This has not been changed Power Distance
much in modern Singapore. According to several studies, Muslim The Indian religion of Hinduism states that men are not equal
men still hold conservative socio-cultural attitudes regarding and have never been. This resulted in caste differentiation which
marriage. They feel that their authority in the house should not be may still exist informally in Singapore today, though not in its
challenged, and prefer their wives not to be graduates (The Straits entirety. Similarly, the Malays, because of their fatalistic nature,
Times 29/11/1995; 5/12/1995). Only 23.9% of Malay male graduates willingly accept concepts of inequality and they accept that being
tied the knot with fellow graduates compared to the national born unequal is part of each person’s destiny in life and cannot be
average of 59.3% (The Straits Times 29/11/1995). Most of these altered. The Chinese on the other hand, are not governed by any
men still prefer marriages arranged by their parents, and marrying beliefs of this sort. Although all three ethnic groups share the values
down is the norm among them. These conservative attitudes are of respect for one’s elders and filial piety, there is evidence that
further evidenced by the fact that working wives make up only a these traditional perceptions of inequality result in different degrees
third of all Malay couples, way below the figures of the Chinese and of power distance among the three ethnic groups. According to Kau
the Indians (The Straits Times 5/12/1995). et al. (1998), when presented with the statement: “Respect for
The Indians are becoming increasingly modernized compared authority is important in our society”, 77.4% of Indian respondents
to the Malays. Traditionally steeped in the notion that women agreed with the statement, followed by 72.2% of the Malays and
belong in the house and should look after children full-time, this 61.8% of the Chinese. Hence the following hypothesis is presented:
Advances in Consumer Research (Volume 31) / 369
H7: The Malays and Indians will exhibit higher levels of RESULTS
power distance than the Chinese.
Differences in Cultural Dimensions
Opinion seeking could be one aspect that could be affected by The results of ANOVA tests on the cultural dimensions show
the differing degrees of power distance. Opinion seekers are those no difference among the three ethnic on individualism/ collectivism
who actively seek advice from others (Engel, Blackwell and Miniard (F=1.11, p=.33), uncertainty avoidance (F=.91, p=.40), and power
1990). Generally, there will be significant numbers of opinion distance (F=.12, p=.88), rejecting H1, H3, and H7. The three ethnic
seekers in cultures with high power distance. Therefore, people groups show significance differences on the masculinity dimension
from cultures with a large power distance are more likely to be (F=17.79, p=.00). The pair-wise comparisons with Duncan test
opinion seekers than those from cultures with a small power reveal significant differences among the three ethnic groups as
distance. Hence, the following hypothesis is suggested: predicted. Therefore, H5 is supported (Table 1).

H8: The Malays and Indians are more likely to show opin- Differences in Associated Consumer Behaviors
ion-seeking tendency than the Chinese. Although no significant difference is found on the relevant
cultural dimensions, significant differences are found on the
METHODOLOGY utilitarian reference group influence (F=6.37, p=.00), the information
sharing (F=4.88, p=.01), the ethnocentric tendency (F=8.11, p=.00),
Samples and the brand loyalty (F=4.37, p=.01). As for the ethnic differences,
The research data was collected by means of a survey. The the Malays tend to be more ethnocentric and to share information
sampling unit was a married Singaporean individual, either Chi- more than the Chinese and the Indians, whereas the Indians tend to
nese, Malay or Indian because as one of the consumer behaviors be less brand loyal and less likely to be influenced by the utilitarian
involved is family decision making which looks at the interaction reference group information compared to other ethnic groups
between husband and wife. A method of snowball sampling was (Table 2).
employed in the distribution of the questionnaires in order to get It is found that the three ethnic groups differ in their family
respondents from each ethnic group. decision-makings. For grocery products, there is significant
A total of 300 questionnaires were distributed and 258 were differences in means across the three groups for “when to buy”
returned, thus the response rate was 86%. Among them, 27 ques- (F=2.42, p=.09) and “how much to pay” (F=6.52, p=.00). The pair-
tionnaires were rejected either because the respondents were not wise comparisons with Duncan test show that the Chinese and
from one of the three ethnic groups studied, were unmarried, or the Indians wives dominate decisions of “when to buy” and “how much
questionnaires were not adequately completed, resulting in 231 to pay” compared to the Malays. As for “where to buy”, the Malays
valid samples. The sample comprised of 83 Chinese (35.9%), 75 and Indians were significantly more husband dominated than the
Malays (32.5%) and 73 Indians (31.6%). The respondents did not Chinese, while the Malays were more husband dominated than the
appear to differ in terms of gender or age. As the requirement was Chinese for the aspect of “what to buy”. It can be seen that the
for respondents to be married, there were also no significant Malays were consistently more husband dominant in decision
differences in this aspect. making than the Chinese. Thus hypothesis 6 was partially supported
in grocery product category.
Measures When it comes to major appliances, F-tests results again
The cultural dimensions are measured using Hofstede’s (1980) showed significant differences among the three groups for “when
framework. However, the original values scales used by Hofstede to buy” (F=5.14, p=.01) and “how much to pay” (F=2.66, p=.07).
(1980) contained work-organization related questions which can- According to the pair-wise comparisons among the ethnic groups,
not be directly applied in this study. Hence, an adapted version of the decisions of the Chinese and Indians were more wife dominated
survey questions was used from various sources (Triandis et al. than the Malays for the aspects of “what to buy” and “where to buy”.
1986, 1988; Lao 1977; Scanzoni and Szinovacz 1980) which met In addition, the Chinese wives took part in more decision making
more closely with the needs of this study. The scales were chosen than the Malays when it came to “how much to pay”. Again, the
based on the following criteria: (1) the scale should be generic in its main differences found were those for the Chinese who were more
nature, unlike Hofstede’s values module survey which pertained to influenced by the wife than the Malays. Therefore, hypothesis 6 was
work; and (2) the scale should fit accurately to the descriptions of partially supported in major appliance category (Table 3).
the four cultural dimensions outlined by Hofstede. Using this
method, a list of statements was generated, screened individually DISCUSSIONS
for their face validity and a final list of twenty items obtained. Among the four cultural dimensions outlined by Hofstede
Measures for consumer behaviors were directly adapted from (1980), the dimension of masculinity produces a significant
past studies (Park and Lessig 1977; Hirschman 1981; Hui et al. difference among the three ethnic groups. The low masculinity
1993; Shimp and Sharma1987; Raju 1980; Oliver and Bearden rating for the Indians suggests that they have discarded traditional
1985; Green et al. 1983; Wells and Tigert 1971). With the exception sex role ideas and are receptive to Western ideas of equality
of information sharing and family decision making, all items were between sexes, and changes in gender roles. This can be seen from
measured on a five-point Likert scale, ranging from “1” for “Strongly statistics which show that the percentage of working Indian women
Disagree” to “5” for “Strongly Agree” including measures for the enjoyed the greatest increase of 12.6% among the three ethnic
cultural dimensions. Information sharing was measured by asking groups between 1980 and 1990 (Singapore Census of Population
the frequency of providing information to others on a five-point 1980; 1990). In addition, as the Indians become more affluent and
scale, ranging 1 for “Very low frequency” to 5 “Very high frequency.” enjoy greater achievements in their careers, the percentage of
Family decision making was measured for grocery and major home educated Indians also increases proportionately (The Straits Times
appliances in four aspects such as when to buy, where to buy, what 3/5/1994). Thus the Indians, especially the younger ones, find it
to buy, and how much to pay on a five-point scale, ranging from 1 easier to accept feministic ideas and values. On the other hand, the
for “Husband decide” to 5 for “Wife decide.” Chinese may still retain some of the traditional teachings that define
370 / Culture’s Influence on Consumer Behaviors: Differences Among Ethnic Groups in a Multiracial Asian Country

TABLE 1
Mean Cultural Dimensions Among the Ethnic Groups*
Chinese Malays Indians
Cultural Dimensions F F-Prob
(n=83) (n=75) (n=73)
2.85 2.73 2.87 1.11 0.33
H1: Individualism
3.03 3.02 3.13 0.91 0.40
H3: Uncertainty Avoidance
3.00a 3.35b 2.62c 17.79 0.00
H5: Masculinity
2.47 2.49 2.44 0.12 0.88
H7: Power Distance

* Different letters (a, b, c) indicate significant differences between groups at 0.05 level with Duncan tests.

TABLE 2
Mean Consumer Behavior Ratings Among the Ethnic Groups*

Chinese Malays Indians


Consumer Behaviors F F-Prob
(n=83) (n=75) (n=73)
H2a: Reference Group Influence
Informational 3.10 3.07 2.94 0.97 0.38
Utilitarian 3.02a 2.96a 2.64b 6.31 0.00
Value Expressive 2.66 2.70 2.47 1.70 0.19
H2b: Information sharing 2.73a 3.01b 2.73a 4.88 0.01
H2c: Opinion Leadership 3.18 3.14 3.16 0.11 0.90
H2d: Ethnocentrism 2.46a 2.72b 2.29a 8.11 0.00
H4a: Perceived Risk 3.42 3.43 3.37 0.33 0.72
H4b: Brand Loyalty 3.17a 3.15a 2.84b 4.37 0.01
H4c: Innovativeness 2.76 2.90 2.83 0.85 0.43
H4d: Information Search 3.08 3.03 3.06 0.16 0.85
H8: Opinion Seeking 3.02 3.01 2.86 1.00 0.37
* Different letters (a, b, c) indicate significant differences between groups at 0.05 level with Duncan tests

TABLE 3
Mean Family Decision Making Ratings Among the Ethnic Groups*

Family Decision Chinese Malays Indians


F F-Prob
Making Aspect (n=83) (n=75) (n=73)

Grocery Products:
When to buy 4.05a 3.69b 3.96a 2.42 0.09
Where to buy 3.88a 3.61b 3.58b 1.70 0.18
What to buy 4.06a 3.75b 3.89 2.16 0.12
How much to pay 3.76a 3.11b 3.56a 6.52 0.00

Major Appliances:
When to buy 2.88a 2.40b 2.78a 5.14 0.01
Where to buy 2.69a 2.44b 2.68a 1.56 0.21
What to buy 2.70 2.75 2.71 0.05 0.95
How much to pay 2.77a 2.40b 2.59 2.66 0.07
* Different letters (a, b, c) indicate significant differences between groups at 0.05 level with Duncan tests.
Scales are rated from 1-“ husband decided” to 5-“ wife decided”
Advances in Consumer Research (Volume 31) / 371
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