scholarly journals Credit Limit of Unsecured Consumer Lending: Evidence from Micro Data

2021 ◽  
Vol 67 (1) ◽  
pp. 51
Author(s):  
Suwinto Johan ◽  
Calista Endrina Dewi
Keyword(s):  
Commercial Banks ◽  
Credit Card ◽  
Multiple Regression Model ◽  
Micro Data ◽  
Credit Risk Management ◽  
Buying Behavior ◽  
Home Location ◽  
Consumer Lending ◽  
Impulsive Buying ◽  
Retail Credit

As credit card debts have increased in Indonesia over the past ten years, concerns over the impulsive buying behavior of Indonesian credit card holders have emerged. Therefore, more attention must be paid to credit risk management of banks as it plays an important role in analyzing the possibility of losses due to the inability of prospective borrowers to repay debts. This study provides empirical evidence about the prudence of commercial banks in Greater Jakarta in offering credit card limits. Using primary micro-data collected from credit card applications submitted to the largest foreign private bank providing retail credit in the Greater Jakarta area in 2019, this study employed multiple regression model to analyze the determinants of credit card limits in the Greater Jakarta. Our empirical findings suggest that age, home location, income, type of industry, and office location of prospective borrowers significantly influence credit card limits. Commercial banks in the Greater Jakarta, thus, have been prudent in offering credit card limits.

scholarly journals PENGARUH GENDER, DAYA TARIK PROMOSI, KEPEMILIKAN KARTU KREDIT TERHADAP PERILAKU PEMBELIAN IMPULSIF ONLINE PRODUK LIFESTYLE

2018 ◽  
Vol 7 (10) ◽  
pp. 5570
Author(s):  
Made Santika Putra ◽  
I Wayan Santika
Keyword(s):  
Credit Card ◽  
Positive Impact ◽  
Rapid Development ◽  
Linear Regression Analysis ◽  
Population Data ◽  
Purchase Behavior ◽  
Buying Behavior ◽  
New Paradigm ◽  
Business World ◽  
Impulsive Buying

Technological advances create a new paradigm in the business world. The rapid development of internet usage will have a positive impact for online business in Indonesia. One of the most desirable consumer behavior by marketers who use online media is the impulsive purchase behavior. This study aims to determine the effect of gender, attractiveness of promotion and ownership of credit cards against impulsive buying behavior online. This research was conducted in Denpasar City involving 60 respondents through purposive sampling method. This method was chosen because it is not known exactly the number of population. Data were collected through questionnaires. Data analysis technique used is multiple linear regression analysis technique.The results of this study found that gender positively and positively affects online impulsive buying behavior, promotional appeal positively and significantly affects online impulsive buying behavior and credit card ownership positively and significantly affects online impulsive buying behavior. Marketers are expected to be more accurate in determining market segmentation, more creative in promoting and able to provide convenience and convenience in the payment process when shopping online. Keywords: gender, attraction of promotion, credit card ownership, impulsive buying behavior.

scholarly journals Does Credit Risk Management affect the Financial Performance of Commercial Banks in Kosovo?

2018 ◽  
Vol 7 (2) ◽  
pp. 49-57
Author(s):  
Rrustem Asllanaj
Keyword(s):  
Risk Management ◽  
Credit Risk ◽  
Financial Performance ◽  
Multiple Regression ◽  
Commercial Banks ◽  
Multiple Regression Model ◽  
Capital Adequacy ◽  
Regression Equations ◽  
Credit Risk Management ◽  
The Impact

This study analyses the impact of credit risk management on financial performance of commercial banks in Kosovo, and comparing the relationship between the determinants of credit risk management and financial performance by using CAMEL indicators. Panel data of 85 observations from 2008 to 2012 of ten commercial banks was analysed using multiple regression model. Findings through multiple regression analysis are presented in forms of tables and regression equations. The study also elaborates whether capital adequacy, asset quality, management efficiency, earnings and liquidity have strong or weak relationship with financial performance of commercial banks. The study concludes that CAMEL model can be used as a system of assessment and rating of credit risk management by commercial banks in Kosovo.

scholarly journals Pengaruh Penggunaan Paylater Terhadap Perilaku Impulse Buying Pengguna E-Commerce di Indonesia

2021 ◽  
Vol 7 (1) ◽  
pp. 44-57
Author(s):  
Rahmatika Sari
Keyword(s):  
Credit Card ◽  
Descriptive Analysis ◽  
Ease Of Use ◽  
Impulse Buying ◽  
Analysis Method ◽  
Payment Systems ◽  
Buying Behavior ◽  
Quantitative Descriptive Analysis ◽  
Impulsive Buying ◽  
Quantitative Descriptive

The development of e-commerce has had an impact on payment methods which were originally only known as cash payments,  paper-based, card based, are now being introduced with new electronic-based payment systems such as m-banking, virtual accounts, payment applications. Paylater is a type of online credit payment. Paylater allows its users to have a credit card without a card and without a complicated manufacturing process. This study uses a quantitative descriptive analysis method so that the data used is the result of distributing questionnaires to 404 samples who meet the criteria. The results of this study indicate that the ease of use oftechnology paylaterhas an effect of 6.4% on the impulsive buying behavior ofusers e-commerce in Indonesia. From the results of data processing, it can be concluded that the ease of use oftechnology paylater byusers e-commerce in Indonesia is very good andusers paylater tend to make impulse buying when shopping

scholarly journals O uso do cartão de crédito: o valor da marca e materialismo influenciam no comportamento impulsivo de compra?

2021 ◽  
Vol 14 (3) ◽  
pp. 502-520
Author(s):  
Luis Adriano Rodrigues ◽  
Marta Olivia Rovedder de Oliveira
Keyword(s):  
Brand Equity ◽  
Credit Card ◽  
Structural Equation ◽  
The State ◽  
Equation Modeling ◽  
Survey Method ◽  
Future Research ◽  
Buying Behavior ◽  
Footwear Industry ◽  
Impulsive Buying

Purpose - This study aims to identify factors, such as materialism and brand equity, that can influence impulsive buying behavior associated with the use of a credit card.Design/methodology/approach - We adopted the survey method, collecting 384 structured face-to-face questionnaires, focusing on the footwear industry. We collected the data in the state of Rio Grande do Sul - Brazil, covering the seven mesoregions of the state. Confirmatory factor analysis, descriptive statistics, ANOVA, T test and Structural Equation Modeling (SEM) were used to analyze the data.Findings – In this study, we find that brand equity does not impact impulsive buying behavior, but the credit card positively impacts impulsive buying behavior.Research limitations/implications – The research was executed just in one province, so future research could be developed in other’s places and culturesPractical Implications – This study can help scholars and managers of footwear industry understand impulsive buying behavior of its consumers.Original value – This study shows the relationship between credit card use, materialism and impulsive buying behavior constructs.

Retail Credit Risk Management in Indian Public Sector Banks

2012 ◽  
Vol 3 (8) ◽  
pp. 31-37
Author(s):  
Nayan J. Nayan J. ◽  
◽  
Dr. M. Kumaraswamy Dr. M. Kumaraswamy
Keyword(s):  
Risk Management ◽  
Public Sector ◽  
Credit Risk ◽  
Credit Risk Management ◽  
Public Sector Banks ◽  
Retail Credit

Pengaruh Positive Emotion, Time Availability, dan Money Availability terhadap Impulsive Buying Behavior Konsumen Mahasiswa pada Department Store di Kota Yogyakarta

2020 ◽  
Vol 14 (1) ◽  
Author(s):  
Faizal Ardiyanto
Keyword(s):  
Positive Emotion ◽  
Department Store ◽  
Department Stores ◽  
Buying Behavior ◽  
Managerial Implication ◽  
Impulsive Buying ◽  
Time Availability ◽  
Unplanned Buying ◽  
Buying In ◽  
Yogyakarta City

This research was conducted to examine the influence of positive emotion, time availability, and money availabilty toward impulsive buying behavior both partially and simultaneously. The respondent of this research are university students who have experienced unplanned buying in several department stores at Yogyakarta City. Purposive sampling method was utilized then 102 respondents were chosen. The results indicate that positive emotion, time availability, and money avaiability positively and significantly influence impulsive buying behavior. The three independent variables as stated above, simultaneously influence impulsive buying behavior also. Finally, as the managerial implication stated, it can be concluded that understanding consumers condition related with unplanned buying is important topics in recent years, especially in department store.

The Influence of Personality Traits on Consumer Impulsive Buying Behaviour

2016 ◽  
Vol 5 (1) ◽  
Author(s):  
Khagendra Nath Gangai ◽  
Rachna Agrawal
Keyword(s):  
Personality Traits ◽  
Cultural Influences ◽  
Buying Behavior ◽  
Doing Business ◽  
The Social ◽  
Impulsive Buying ◽  
Social And Physical Environment ◽  
The Common ◽  
Buying Behaviour

Consumer behavior is a complex phenomenon which is evolving according to the time, situations, demographic characteristics of individuals, personality traits, cultural influences etc. The personality of individuals is a unique dynamic organization of the characteristics of a particular person, physical and psychological, which influence behavior and responses to the social and physical environment. It gives the impression that consumer buying is always influenced by their personality. Therefore, many marketers make use of personality traits in the advertisement of products and at the same time they enhance their marketing strategy. The marketers always designed different products and target specific market segments which commonly addressed on individuals personality traits. The individuals few personality traits influence consumer for impulsive buying behavior. The aim of present research is to study the personality traits influence on consumer impulsive buying behavior as it will help to create opportunities of doing business and dealing with customers. The objectives of this research are: (1) to investigate the influence of personality traits on consumer impulsive buying behavior, and (2) to identify the role of gender and their personality traits influence on consumer impulsive buying behavior. To fulfill the purpose of the study, the researchers randomly collected sample and divided them on the basis of gender, 60 males and 60 females. Data were collected from Delhi and NCR region. The data were analyzed using statistical applications such as correlation and t Test. The result was revealed that the common personality traits have a significant relationship with impulsive buying behavior that is psychoticism in the case of male and female. The role of gender has significant differences in impulsive buying behavior. The man showed more impulsive buying behavior compare to women.

A Study on the Effects of Regulatory Fit and Framing

2014 ◽  
Vol 644-650 ◽  
pp. 6289-6292
Author(s):  
Li Chen
Keyword(s):  
Regulatory Focus ◽  
Framing Effect ◽  
Regulatory Fit ◽  
Regulatory Focus Theory ◽  
Buying Behavior ◽  
Impulsive Buying ◽  
Effect Theory ◽  
The Face ◽  
Inherent Nature ◽  
Regulatory Fit Theory

Regulatory fit theory is based on regulatory focus theory which was from hedonism and decision-making motives, explaining individual consumer’s decisions making processes from both psychological and mental point of views. Regulatory fit theory proposed consumers in the face of different forms of information representation will lead to match or mismatch of consumer wants. And the effect of adjusting the matching value will affect the perception of the product or service, thereby affecting the consumer’s buying wish.Framing effect is originated from prospect theory indicate that people will make different choices when they face the same, but different forms of expression scheme. This article tries to explore the inherent nature of impulsive buying behavior mechanisms, drawing on regulatory fit theory and framing effect theory.

An Investigation of Credit Risk Management Strategies of Private Commercial Banks of Bangladesh

2014 ◽  
Vol 2 (2) ◽  
pp. 77-87
Author(s):  
Abu Hanifa Md. Noman ◽  
Md. Amzad Hossain ◽  
Sajeda Pervin
Keyword(s):  
Risk Management ◽  
Credit Risk ◽  
Commercial Banks ◽  
Management Practices ◽  
Management Practice ◽  
Management Strategies ◽  
Third Party ◽  
Primary Data ◽  
Credit Risk Management ◽  
Risk Management Strategies

Objective - The study aims to investigate credit risk management practices and credit risk management strategies of the local private commercial banks in Bangladesh. Methodology -The investigation is conducted based on primary data collected from a set of both closed end and open end questionnaire from 23 out of 39 local private commercial banks in Bangladesh. Descriptive statistics has been used in processing the data and interpreting the results. Findings - The results reveal that credit risk management practice of the sample banks is sound which is attributed to the appropriate implementation of Basel II and credit risk management guidelines the country's central bank. The findings further show that use of Credit risk grading is most popular and effective criteria for measuring the borrowing capacity of the borrowers. In order to control credit risk and preventing losses from credit exposure banks give more focus on collateralization, accurate loan pricing and third party guarantee. Loan is monitored properly and credit reminder is given to the client if principal and interest remain outstanding for three months. The study further reveals that lack of experienced and trained credit officers, lack of genuine market information and Lack of awareness regarding non-genuine borrower are the most important problems of current credit risk management practices in Bangladesh. Novelty - To the best of the knowledge of the authors the study is the first that investigates credit risk management strategies of private commercial banks, especially on Bangladesh. Type of Paper - Empirical Keyword : Bangladesh; Commercial Bank; Credit risk; Credit risk management; Credit risk management strategies.

How social presence influences impulse buying behavior in live streaming commerce? The role of S-O-R theory

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Junlan Ming ◽  
Zeng Jianqiu ◽  
Muhammad Bilal ◽  
Umair Akram ◽  
Mingyue Fan
Keyword(s):  
Social Presence ◽  
Consumer Trust ◽  
Equation Modeling ◽  
Live Streaming ◽  
Flow State ◽  
Buying Behavior ◽  
Content Type ◽  
The Social ◽  
Impulsive Buying ◽  
Sense Of Power

Purpose This paper aims to examine how presence (the social presence of live streaming platforms, of viewers, of live streamers and telepresence) affects consumer trust and flow state, thus inducing impulsive buying behaviors, personal sense of power as moderator. Design/methodology/approach Drawing on the Stimulus-Organism-Response (S-O-R) framework, the conceptual model covers social presence, telepresence, consumer trust, flow state, personal sense of power and impulsive buying behavior. An online survey was conducted from 405 consumers with the experience of live streaming shopping in China; structural equation modeling (SEM) was used for data analysis. Findings Results find that three dimensions of social presence (the social presence of live streaming platforms, of viewers, of live streamers) and telepresence have a positive and significant influence on consumer trust and flow state, thus triggering consumers’ impulsive buying behavior. Furthermore, consumers’ sense of power moderates the process from consumer trust, flow state to impulsive buying behavior. Practical implications This study will help live streamers and e-retailers to have a further understand on how to stimulate consumers’ buying behavior. Furthermore, it also provides reference for the development of live streaming commerce in other countries. Originality/value This research examines the effect of social presence and telepresence on impulsive buying behavior in live streaming commerce, which is inadequately examined in extant literature.

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