scholarly journals Pengaruh literasi dan pengalaman keuangan terhadap penggunaan kartu kredit pekerja di Banyuwangi

2019 ◽  
Vol 6 (2) ◽  
Author(s):  
Cintya Restu Destianata ◽  
Lutfi Lutfi
Keyword(s):  
Regression Analysis ◽  
Multiple Regression Analysis ◽  
Financial Literacy ◽  
Credit Card ◽  
Credit Cards ◽  
Snowball Sampling ◽  
Luxury Good ◽  
The Rich ◽  
Credit Card Usage ◽  
The Impact

Nowadays, credit card is not any longer a luxury good because it is not only owned the rich. In addition, to use it wisely, the users should have adequate financial literacy and financial experience. This study aims to examine the impact of financial literacy and financial experience on credit card usage by the workers. The data were collected using a questionnaire. The respondents were taken from 110 workers in Banyuwangi who have got credit cards with them. They were selected based using snowball sampling. The data were analyzed by using Multiple Regression Analysis, this study finds that financial experience positively affects the credit card usage, but financial literacy has no effect on it.

scholarly journals Determinants of Customers’ Attitude towards Credit Card Usage: Lessons Learned From Academics in Sri Lanka

2016 ◽  
Vol 3 (2) ◽  
pp. 19
Author(s):  
Mallika Appuhamilage Kumudini Sriyalatha
Keyword(s):  
Regression Analysis ◽  
Sri Lanka ◽  
Credit Card ◽  
Credit Cards ◽  
Lessons Learned ◽  
Perceived Usefulness ◽  
Contributory Factor ◽  
Influential Variable ◽  
The University ◽  
Credit Card Usage

This study examines the factors that influence the attitude of customers toward utilization of credit cards among academics at the University of Sri Jayewardenepura, Sri Lanka. 236 questionnaires were distributed through Google forms among academics in the Faculty of Management Studies and Commerce and 94 respondents have replied questionnaire back. Sample of the study is selected based on purposive sampling method.The factors which are included in this study are availability of information, perceived usefulness, and characteristics of card issuers, general satisfaction and card use intension. Multiple regression analysis is used to determine the most contributory factor that best predict the attitude toward using credit cards. According to the results of the study the most influential variable on attitude towards credit card usage is card used intention followed by perceived usefulness and availability of information. The most influential variable is explained 47.4% of the variation in the attitude towards usage of credit cards and the adjusted R2 also indicates that the model has good fit: 52.5% variation in attitude towards credit card usage is explained by estimated regression equation.Keywords: Attitude, Credit Card, Academics, Sri Lanka

scholarly journals The Impact of Behavioral Finance on Credit Card Users in Chennai City

2019 ◽  
Vol 8 (4S3) ◽  
pp. 5-9
Keyword(s):  
Behavioral Finance ◽  
Credit Card ◽  
Online Shopping ◽  
Credit Cards ◽  
Key Factors ◽  
Frequent Change ◽  
Bank Marketing ◽  
Credit Card Usage ◽  
Chennai City ◽  
The Impact

The frequent change in the technology has given rise to many new innovative things in our country. And one among them is the debit and credit cards which people prefer using it for many things. This study aims at identifying the key factors determining the credit card usage like appearance of the card, credit limit, image of the issuer bank, marketing campaign, co-branding offerand also the reasons for using the credit cards like avoidance of risk, prestige power, immediate payment, cash withdrawal facility, safe online shopping by the customers in Chennai city. The factors like convenience, immediate payment, universal acceptance; fraud protection has the higher impact on the customers having credit cards.The study is restricted toChennai city with samples of 100 has been taken for the study by using simple random method.The concluding observation is that there is noted relationship between income of the users of credit cards and the variables determining the choice of credit cards.

scholarly journals Impact of Psycho-Social Dimensions in Adoption and Use of Credit Cards. An Empirical Study from Pakistan

2021 ◽  
Vol 7 (2) ◽  
pp. 301-310
Author(s):  
Sohail Saeed ◽  
Areeba Khan ◽  
Hina Shamshad
Keyword(s):  
Locus Of Control ◽  
Parental Involvement ◽  
Social Status ◽  
Financial Distress ◽  
Credit Card ◽  
Credit Cards ◽  
Digital World ◽  
Customer Attitude ◽  
Credit Card Usage ◽  
The Impact

Purpose: The main purpose of this study is to explore those psycho-social factors which are affecting the usage of credit cards in the present day. Furthermore, it is also aimed to investigate the impact of those factors like parental involvement, religiosity, impulsivity, compulsivity, locus of control, social status, customer attitude and financial distress on credit card usage in the context of Pakistan. Design/Methodology/Approach: For the purpose, the questionnaire has developed and distributed among users of credit cards in Bahawalpur region of Pakistan. This research is quantitative in nature and a probability sampling technique has been used to collect data. Moreover, regression analysis is used Findings: The results reveal that parental involvement, compulsivity, and financial distress have a significant impact on credit card usage. However, the study failed to find out any impact of impulsivity, locus of control and religiosity on credit card usage. Similarly, the customer attitude and social status also did not have any impact on usage of credit cards. Implications/Originality/Value: The results of this study extend help to the banks, financial institutions and, particularly, futures researches in the field of digital currency. It is also pertinent to mention that now it is a need of the time to start working and developing new digital banking tools and ways to compete in the digital world.                                                             

Does knowing overcome wanting? The impact of consumer knowledge and materialism upon credit card selection with young consumers

2015 ◽  
Vol 16 (1) ◽  
pp. 50-70 ◽  
Author(s):  
Jakob Cakarnis ◽  
Steve Peter D'Alessandro
Keyword(s):  
Comparative Study ◽  
Survey Research ◽  
Credit Card ◽  
Design Methodology ◽  
Credit Cards ◽  
Consumer Knowledge ◽  
Content Type ◽  
Young Professionals ◽  
The Impact ◽  
Selection Of

Purpose – This paper investigates the determinants of credit card use and misuse by student and young professionals. Critical to the research is the impact of materialism and knowledge on selection of the appropriate credit card. Design/methodology/approach – This study uses survey research and partial least squares to investigate credit card behaviors of students versus young professionals. Findings – In a comparative study of young professionals and students, it was found that consumer knowledge, as expected, leads to better consumer selection of credit cards. Materialism was also found to increase the motivation for more optimal consumer outcomes. For more experienced consumers, such as young professionals, it was found that despite them being more knowledgeable, they were more likely to select a credit card based on impulse. Originality/value – This paper examines how materialism may in fact encourage some consumers to make better decisions because they are more motivated to develop better knowledge. It also shows how better credit card selection may inhibit impulse purchasing.

Lending a hand: perceptions of green credit cards

2018 ◽  
Vol 36 (7) ◽  
pp. 1329-1346 ◽  
Author(s):  
Lei Huang ◽  
Julie Fitzpatrick
Keyword(s):  
Social Exchange ◽  
Undergraduate Students ◽  
Credit Card ◽  
Symbolic Interaction ◽  
Environmental Concern ◽  
Credit Cards ◽  
Medium Size ◽  
Content Type ◽  
The Usa ◽  
The Impact

Purpose The purpose of this paper is to explore the impact of donation amount and framing on financial products, this research investigates consumers’ attitudes and behaviors toward cause-related credit cards with different donation sizes and framing types. Design/methodology/approach This research investigates consumers’ perceptions of green credit cards using two experiments with a between-subject design (n =297) and a mixed design (n =238), respectively. All the participants, recruited from a major state university in the USA, are undergraduate students who use credit cards. Findings A medium-size donation optimizes the outcome of a cause-related credit card offer. Moreover, a donation framed as cash rewards has stronger effects on a consumer’s perception and consequent reactions to the “green” credit cards than an annual percentage rate framing. Finally, consumers with high levels of environmental concern and propensity to volunteer have stronger intention to adopt and are more likely to recommend the proposed credit card. Originality/value Building upon the theories of social exchange and symbolic interaction, this research is the first to provide empirical evidence regarding the application of volunteerism and perceived consumer effectiveness for financial institutions and their cause-related marketing campaign partners in selecting suitable environmental causes.

scholarly journals National Zakat Management Information System: E-Sercive Quality and Its Impact on National Zakat Collection

2019 ◽  
pp. 98-124
Author(s):  
Randi Swandaru
Keyword(s):  
Information System ◽  
Regression Analysis ◽  
Service Quality ◽  
Multiple Regression Analysis ◽  
Multiple Regression ◽  
Management Information System ◽  
Reliability And Validity ◽  
Management Information ◽  
The Impact

The purpose of this study is to examine the impact and the electronic service quality of the national zakat management information system (SIMBA) on the national zakat collection. This paper uses a multiple regression analysis in its explorative attempt to illustrate the impact of SIMBA implementation on the national zakat collection. It shows that SIMBA is positive and significantly impact the national zakat collection as well as the human development index that is used as a proxy for the human resource management quality of zakat institutions in the respective city. Nonetheless, the population is negative and significant to the zakat collection as endemic poverty and reluctance to pay zakat are indicated as the reasons. Moreover, this study has succeeded in adapting and conducting e-service quality survey to zakat information system realm. All the tests prove that the instrument in this study has a high degree of reliability and validity. The results show that some of the demographic factors significantly impact the perceived performance of SIMBA. Multiple regression analysis that is conducted in this study shows that e-service quality dimension is positive and significant towards SIMBA’ overall quality, perceived value, and loyalty intention. This study contributes to the zakat management system literature, especially in the impact of the national zakat information system, which is pivotal in enhancing zakat collection and poverty alleviation program funded by zakat.

scholarly journals The COVID-19 Shock and Consumer Credit: Evidence from Credit Card Data

2021 ◽  
Vol 2021 (008) ◽  
pp. 1-55
Author(s):  
Akos Horvath ◽  
◽  
Benjamin Kay ◽  
Carlo Wix ◽  
◽  
...  
Keyword(s):  
Interest Rates ◽  
Credit Card ◽  
Negative Impact ◽  
Consumer Credit ◽  
Credit Cards ◽  
Sharp Decrease ◽  
Main Driver ◽  
Credit Card Data ◽  
Pandemic Severity ◽  
The Impact

We use credit card data from the Federal Reserve Board's FR Y-14M reports to study the impact of the COVID-19 shock on the use and availability of consumer credit across borrower types from March through August 2020. We document an initial sharp decrease in credit card transactions and outstanding balances in March and April. While spending starts to recover by May, especially for risky borrowers, balances remain depressed overall. We find a strong negative impact of local pandemic severity on credit use, which becomes smaller over time, consistent with pandemic fatigue. Restrictive public health interventions also negatively affect credit use, but the pandemic itself is the main driver. We further document a large reduction in credit card originations, especially to risky borrowers. Consistent with a tightening of credit supply and a flight-to-safety response of banks, we find an increase in interest rates of newly issued credit cards to less creditworthy borrowers.

scholarly journals Credit Card Usage Among College Students in China

2018 ◽  
Vol 29 (2) ◽  
pp. 304-315 ◽  
Author(s):  
Rui Yao ◽  
Xiangyi Meng
Keyword(s):  
College Students ◽  
Credit Card ◽  
Credit Cards ◽  
Common Method ◽  
Financial Knowledge ◽  
Chinese College Students ◽  
Credit History ◽  
Using Data ◽  
High Level ◽  
Credit Card Usage

Credit cards have become a common method of payment for college students in China. It is important that they form good credit card usage behaviors and build a good credit history early in their financial life. Using data collected from 10 universities in China, results of this study found that being financially dependent on their parents is negatively associated with Chinese college students’ ability to pay their credit card bills. The study also found that students with a high level of financial knowledge were less likely to take cash advances on their credit card. Implications for financial educators and parents as well as policymakers were provided.

scholarly journals Effects of brand placement and player involvement on brand awareness: an empirical study on online game players

2019 ◽  
Vol 2 (1) ◽  
pp. 23
Author(s):  
Bonit Bogonondo ◽  
Yessy Artanti
Keyword(s):  
Regression Analysis ◽  
Data Analysis ◽  
Empirical Study ◽  
Multiple Regression Analysis ◽  
Multiple Regression ◽  
Brand Awareness ◽  
Online Game ◽  
Snowball Sampling ◽  
Brand Placement ◽  
Game Players

This paper examines the effects of brand placement and player involvement on brand awareness. The data in this study were collected from questionnaires distributed to 150 game players of online game with snowball sampling. Data analysis used multiple regression  analysis. However, our prediction that there were effect of brand placement and player involvement on brand awareness was not supported. We presents the discussions in this paper.

scholarly journals Moderating Effect of Mindfulness on the Influence of Stress on Depression According to the Level of Stress among University Students in South Korea

2020 ◽  
Vol 17 (18) ◽  
pp. 6634
Author(s):  
Kwang-Hi Park ◽  
Hyunlye Kim ◽  
Jaehee Kim
Keyword(s):  
Regression Analysis ◽  
University Students ◽  
South Korea ◽  
Multiple Regression Analysis ◽  
Multiple Regression ◽  
Life Stress ◽  
Mental Health Problems ◽  
Explanatory Power ◽  
Moderating Effect ◽  
The Impact

Stress and depression are representative of the mental health problems of university students worldwide. This cross-sectional study explored the moderating effect of mindfulness on the influence of stress on depression according to the degree of life stress. The participants were 738 university students in years 2–4 in five 4-year universities in South Korea. Depression was positively correlated with stress and negatively with mindfulness at a statistically significant level. In multiple regression analysis, stress was found to have an effect by increasing depression, and mindfulness by relieving depression. In the moderated multiple regression analysis, mindfulness had a moderating effect on the impact of stress on depression only in low-stress groups, showing that the interaction of stress with mindfulness was significantly negative (β = −0.11, t = −2.52, p = 0.012) and the inclusion of this interaction significantly increased the explanatory power for depression variation (F change 6.36, p = 0.012) in the full model. In conclusion, we suggest considering stress levels in the development of mindfulness-based intervention strategies to effectively manage the depression of university students.

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