Factors Affecting the Behavior of University Community to Use Credit Card
DOI:
https://doi.org/10.21632/irjbs.4.3.217-228Keywords:
Loyalty, Credit Card, Theory of Planned BehaviorAbstract
This study was aimed to gain insights and tested the factors that influence credit cards usage in university community of UPI through Theory of Planned Behavior model approach. Using Path Analysis to explain the direct and indirect influence of attitude, subjective norm and behavioral control to intention and behavior of credit card usage. The results showed all respondents have a positive attitude towards credit cards usage, with high influence of subjective norm, high behavior control, high intention to use credit cards and all respondents used credit cards wisely. There was positive and significant effect either simultaneously or partially between behavioral attitudes, subjective norms, and behavior control toward the intention to use credit card. The partial test results showed behavioral attitude has the greatest influence on the intention to use credit card. There was a positive and significant influence both simultaneously and partially between behavioral attitudes, subjective norms, and behavioral control on default-risk debt behavior. The partial results showed that attitude gives the greatest influence on default debt risk behavior. The result also proved there was a positive and significant influence of the intention to use credit card on default debt risk behavior.
References
Ajzen, Ajzen dan Fishbein. (1969).” The Prediction of Behavioral Intentions in a Choice Situation”. Journal of Experimental Social Psychology, 5, 400 - 416.
Ajzen, Icek. (1993) “Attitude Theory and the Attitude-Behavior Relation.” In New Directions in Attitude Measurement (edited by Krebs, Dogmar & Schumidt, Peter), Walter de Gruyte. Berlin, New York, 41-57.
Cumhur Erdem, Factors Affecting the Probability of Credit Card Default and the Intention of Card Use in Turkey, International Research Journal of Finance and Economics ISSN 1450-2887 Issue 18 (2008)
Fishbein, Martin dan Ajzen, Icek (1975) Belief, Attitude, Intention, and Behavior, Addison-Wesley Publishing Company, Reading- Massachusetts
Fred J.Weston & Eugene F Brigham, 1993, Essential of Managerial Finance, Ninth Edition, The Dryden Press, Florida
Dahlam Siamat, Manajemen Lembaga Keuangan : Kebijakan Moneter dan Perbankan Edisi 5, LEmbaga Penerbit Fakultas Ekonomi Universitas Indonesia, Jakarta, 2005
Instrument Pembayaran, Direktorat Akunting dan Sistem Pembayaran , Biro Pengembangan Sistem Pembayaran Nasional (http://www.bi.go.id/)
James C.Van Horn & John M Wachowicz, Jr,. 1998, Fundamentals of Financial Management, Ninth Edition, Prentice Hall, New Jersey
Kerjasama Bank Indonesia dengan Fakulas Ekonomi dan Manajemen IPB : Persepsi, Preferensi dan Perilaku Masyarakat dan Lembaga Penyedia Jasa Terhadap Pembayaran Non Tunai, 2006
Laporan Sistem Pembayaran dan Peredaran Uang tahun 2010, Bank Indonesia,2010
Leann G. Rutherford and Sharon A. DeVaney, Utilizing the Theory of Planned Behavior to Understand Convenience Use of Credit Cards, Journal of Financial Counseling and Planning Education, 20(2), 48-63. http://www.extension.org/pages/26302/convenience-use-of-credit-cards
Lukman Dendawijaya (2005) Manajemen Perbankan, Bogor : Ghalia Indonesia
Nur Asyiah Jalil , Analisis Preferensi Dosen Terhadap Kartu Kredit, Institut Pertanian Bogor, 2007
O.P Simorangkir (2004) Pengantar Lembaga Keuangan Bank dan Non Bank Bogor : Ghalia Indonesia.
Peraturan Bank Indonesia Nomor 11/11/PBI/2009 tanggal 13 April 2009 tentang Penyelenggaraan Kegiatan Alat Pembayaran dengan Menggunakan Kartu
Ricci Saadi Wijaya S.Psi, Awas Terlilit “Setan” Kredit (2009) , http://ruangpsikologi.com
Surat Edaran Bank Indonesia No 11/10/DASP tanggal 13 April 2009 perihal Penyelenggaraan Kegiatan Alat Pembayaran dengan Menggunakan Kartu
Tero Pikkarainen, Kari Pikkarainen, Heikki Karjaluoto and Seppo Pahnila : Consumer acceptance of online banking: an extension of the technology acceptance model, internet Reseach
Downloads
Submitted
Published
How to Cite
Issue
Section
License
Copyright (c) 2011 Maya Sari, Rofi Rofaida
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Journal Author(s) Rights
For IRJBS to publish and disseminate research articles, we need publishing rights (transferred from the author(s) to the publisher). This is determined by a publishing agreement between the Author(s) and IRJBS. This agreement deals with the transfer or license of the copyright of publishing to IRJBS, while Authors still retain significant rights to use and share their own published articles. IRJBS supports the need for authors to share, disseminate and maximize the impact of their research and these rights, in any databases.
As a journal Author, you have rights to many uses of your article, including use by your employing institute or company. These Author rights can be exercised without the need to obtain specific permission. Authors publishing in IRJBS journals have comprehensive rights to use their works for teaching and scholarly purposes without needing to seek permission, including:
- use for classroom teaching by Author or Author's institution and presentation at a meeting or conference and distributing copies to attendees;
- use for internal training by the author's company;
- distribution to colleagues for their research use;
- use in a subsequent compilation of the author's works;
- inclusion in a thesis or dissertation;
- reuse of portions or extracts from the article in other works (with full acknowledgment of the final article);
- preparation of derivative works (other than commercial purposes) (with full acknowledgment of the final article);
- voluntary posting on open websites operated by the author or the author’s institution for scholarly purposes,
(But it should follow the open access license of Creative Common CC-by-SA License).
Authors/Readers/Third Parties can copy and redistribute the material in any medium or format, as well as remix, transform, and build upon the material for any purpose, even commercially. Still, they must give appropriate credit (the name of the creator and attribution parties (authors' detail information), a copyright notice, an open access license notice, a disclaimer notice, and a link to the material), provide a link to the license, and indicate if changes were made (Publisher indicates the modification of the material (if any) and retain an indication of previous modifications.
Authors/Readers/Third Parties can read, print and download, redistribute or republish the article (e.g. display in a repository), translate the article, download for text and data mining purposes, reuse portions or extracts from the article in other works, sell or re-use for commercial purposes, remix, transform, or build upon the material, they must distribute their contributions under the same license as the original Creative Commons Attribution-ShareAlike (CC BY-SA).
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
