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Optimal inventory decisions when offering lay a way

机译：提供临时工时的最佳库存决策

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摘要

This paper presents an inventory management policy for a retailer offering a layaway programme. Layaway is a service provided by retailers that allows budget constrained consumers who have sufficiently high valuations to pay for a product in several instalments rather than at once and obtain the product that has been reserved for them at the end of the payment period. If a consumer defaults on payments, then the reserved item is released back into store inventory. In this paper, we first determine the retailer's optimal order decisions when layaway is offered. We find that the order quantity under a layaway programme decreases with the likelihood of consumers not finishing their layaway plans and that it is not always profitable for a retailer to offer a layaway programme. We then identify the market conditions under which the retailer would benefit from a layaway programme. Lastly, we consider an extension to capture the influence of the timing of consumer defaults.
机译：本文提出了针对零售商提供库存计划的库存管理策略。 Layaway是零售商提供的一项服务，它允许预算有限，拥有足够高估值的消费者分几次而不是一次分期付款购买产品，并在付款期结束时获得为他们保留的产品。如果消费者拖欠付款，则保留的商品将释放回商店库存中。在本文中，我们首先确定提供上架时零售商的最佳订购决策。我们发现，随着消费者未完成他们的上架计划的可能性，下架计划的订单数量会减少，零售商提供下架计划并不总是有利可图。然后，我们确定零售商可从中受益的市场条件。最后，我们考虑扩展以捕获消费者违约时间的影响。

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