Pengaruh Faktor Demografi Terhadap Perilaku Penggunaan Kartu Kredit

Malelak, Mariana Ing; Memarisa, Gesti; Anastasia, Njo

doi:10.35314/inovbiz.v4i2.79

Cited by 4 publications

(5 citation statements)

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“…The results of the path coefficients and f-square for effect size show that age had a small and negative effect on perceived behaviour control; that is, an increase in age would decrease perceived behavior control, which would then affect the use of Sharia-compliant credit cards. This result is consistent with those of Malelak et al (2016), who found that age had a significant influence in a negative direction, which indicated that the younger the users, the more productively and wisely they would use credit cards.…”

Section: Influence Of Age On Attitude Subjective Norm and Perceived supporting

confidence: 91%

“…The results from the f-square test show a negative and small effect; that is, the higher a person's income, the lower the use of Sharia-compliant credit cards. However, the study by Malelak et al (2016) found that those with higher incomes would sequence be balanced by increasing the fulfillment of needs, so this would increase the use of credit cards. The argument regarding the negative effect may reflect the increasing utilisation of other modes of payment, such as e-money, QR-coded money, or even cash when income increases.…”

Section: Influence Of Income On Attitude Subjective Norm and Perceivmentioning

confidence: 99%

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Sharia Compliance-Credit Card Exposure and Utilization in the Growing Digital Economy

Arsyianti

Adelia

2019

JIMF

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Many cashless payment tools have been introduced to Indonesia market in the form of cards to electronic money. Sharia compliance-credit card is one of traditional electronic payment tools that are provided by only two Islamic finance institutions among many in Indonesia. The increase of Sharia compliance-credit card transactions from time to time may lead banks to be exposed to non-performing risk. Customers’ behaviors are varying in utilizing Sharia compliance-credit card, and their behavior may cause unpredicted results on card’s performance. Therefore, the purposes of this study are: 1) To identify the behavior of Sharia compliance-credit card’s users and 2) To analyze the factors influencing the behavior of Sharia compliance-credit card’s users. Primary data is gathered through distributing questionnaires with a total sample of 170 respondents. The data is analyzed by employing Structural Equation Modeling. This research shows that gender, age, and education influence perceived behavior control; and, expenditure influences subjective norms. Customers’ attitudes, subjective norms, and perceived behavior control are proven to influence customer intentions, where customers’ intentions, perceived behavior control, and income influence customers’ behavior towards using Sharia compliance-credit card. For further sustainable inclusive growth, the issuers should pay attention on education for specific audiences.

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Section: Influence Of Age On Attitude Subjective Norm and Perceived supporting

confidence: 91%

Section: Influence Of Income On Attitude Subjective Norm and Perceivmentioning

confidence: 99%

Sharia Compliance-Credit Card Exposure and Utilization in the Growing Digital Economy

Arsyianti

Adelia

2019

JIMF

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“…Demography is a branch of science that studies the dynamics of society that shows a person's position or population structure from the background, age, education, gender, marriage structure, income, and changes [5,8].…”

Section: Demographic Factorsmentioning

confidence: 99%

Demographic Factors, Self-efficacy on Financial Literacy in Upla

Suaebah

Suciati

2022

KSS

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Financial literacy is the knowledge and ability of financial management that allows individuals to manage their finances more effectively. For managing finances, farmers in Indonesia still rely on informal financial institutions. There are several reasons for this – the farmers’ location being substantially far from the locations of financial institutions, their age and varied educational levels, and the level of confidence in achieving success in agriculture. This study, thus, identifies and analyzes the demographic factors and self-efficacy in financial literacy in upland horticultural crop farmers. The study population was upland horticultural plant farmers, the sampling technique was probability sampling, and the analysis was done using the two-way ANOVA technique. The results show a significant difference in the financial literacy between women and men. Although no difference was seen in the farmers’ financial literacy based on their age, a significant difference was noted based on their education. Additionally, a substantial difference was seen in the understanding based on self-efficacy. Keywords: demographic factors, self-efficacy, financial literacy

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“…Kartu kredit yang diimbangi dengan sistem yang matang diharapkan mampu menopang proses bisnis, namun dilapangan muncul masalah yang awalnya tidak diprediksikan muncul, dari masalah sistem munculnya kejaharan carding maupun masalah dari nasabah itu sendiri, pada penelitian ini akan membahas tentang masalah demografi berpengaruh dalam aktifitas penggunaan kartu kredit dalam hal pembayaran tagihan menggunakan Framework NIST 800-30. Variabel demografi seperti umur pengguna, status perkawinan pengguna, dan pendidikan terakhir pengguna mempunyai pengaruh signifikan dalam aktifitas pemaiakan kartu kredit, hal ini dibuktikan dengan hasil analisis Uji Reliabilitas yang menunjukkan bahwa semakin muda usia nasabah maka semakin produktif orang tersebut, responden terbanyak diusia 23-30 tahun dan cenderung belum menikah dan akan menggunakan kartu kredit dengan bijak [4]. Persamaan dengan penelitian yang akan dilakukan adalah temanya, sama-sama meneliti dampak demografi dari penggunaan kartu kredit yang membedakan pada analisis dan metode yang dipakai.…”

Section: Pendahuluanunclassified

Manajemen Risiko Default Pada Pengguna Kartu Kredit Menggunakan Framework NIST 800-30

Musantono¹,

Nisa²,

A’Yuni³

et al. 2022

INFORMAL

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The emergence of credit cards as one of the earliest fintech technologies capable of providing benefits to customers or users, the maturity of the system in its application is very important because it is related to user data. Several problems arise including carding crimes or problems from the users themselves. This study aims to determine demographic factors with the effect of using credit cards. Demographic factors (gender, age, marital status and academic) are related to usage activities as well as in paying off credit card bills. Quantitative research is carried out using available datasets. from the dataset will be processed and the required part will be taken. By using the NIST 800-30 framework, it is hoped that it can assist in risk management and assessment, then it will lead to risk tendencies in using credit cards. The final result of the study show that demographic factors including age, academic and marital status able to show the affect activities in paying credit card bills and the reliability of the credit card issuer's system can reduce the impact of default on credit card users.

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Pengaruh Faktor Demografi Terhadap Perilaku Penggunaan Kartu Kredit

Cited by 4 publications

References 0 publications

Sharia Compliance-Credit Card Exposure and Utilization in the Growing Digital Economy

Sharia Compliance-Credit Card Exposure and Utilization in the Growing Digital Economy

Demographic Factors, Self-efficacy on Financial Literacy in Upla

Manajemen Risiko Default Pada Pengguna Kartu Kredit Menggunakan Framework NIST 800-30

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