Analisis Faktor-faktor yang Mempengaruhi Pengguna Kartu Kredit Kalangan Pekerja Di Batam

Juliani, Sisca (2019) Analisis Faktor-faktor yang Mempengaruhi Pengguna Kartu Kredit Kalangan Pekerja Di Batam. Undergraduate thesis, Universitas Internasional Batam.

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Abstract

Penelitian ini berfungsi untuk mengetahui faktor yang berpengaruhi terhadap pengguna kartu kredit pada kalangan pekerja di Batam. Benefit Given by Bank, Qualification of Applying Credit Card, Payment Policies, Willingness to Pay, Awareness about The Total Debt Owed, dan Management of Income vs Expenses selaku variabel bebas dan pengguna kartu kredit selaku variabel terikat. Sampel yang digunakan pada pengetesan ini adalah para pekerja yang memiliki kartu kredit. Pada penelitian ini menggunakan 250 responden dari 350 yang sudah dibagikan. Penelitian ini menggunakan metode regresi berganda untuk memahami pengaruh antara variabel terikat dengan variabel bebas. Sampel ini dianalisa dengan program SPSS versi 21.00. Hasil uji dari penelitian ini menjelaskan bahwa variabel qualification of applying credit card, payment policies, willingness to pay, awareness about total debt owed berpengaruh signifikan positif terhadap pengguna kartu kredit, management of income vs expenses berpengaruh signifikan negatif terhadap pengguna kartu kredit, sedangkan benefit given by bank tidak berpengaruh signifikan negatif terhadap pengguna kartu kredit. ********************************************************************** This study serves to determine the factors that influence credit card users among workers in Batam. Benefit Given by Bank, Qualification of Applying Credit Card, Payment Policies, Willingness to Pay, Awareness about The Total Debt Owed, dan Management of Income vs Expenses as an independent variable while credit card users as the dependent variable. The sample used in this test is workers who have credit cards. In this study using 250 respondents from 350 who had been distributed. This study uses multiple regression methods to determine the effect of the dependent variable with independent variables. The sample was tested using the SPSS program version 21.00. The results of this study illustrate that the qualification variables of credit card, willingness to pay, awareness of total debt owing have a significant positive effect on credit card users, management of income vs. expenses has a significant negative effect on credit card users, while benefit is given by the bank does not have a significant negative effect on credit card users.

Item Type: Thesis (Undergraduate)
Additional Information: Similarity: 24
Uncontrolled Keywords: credit card usage, bank’s policies, attitude toward money
Subjects: H Social Sciences > H Social Sciences (General)
H Social Sciences > HG Finance
Divisions: School of Economic and Business > Accounting
SWORD Depositor: Admin Repository Universitas Internasional Batam
Depositing User: Admin Repository Universitas Internasional Batam
Date Deposited: 14 Mar 2019 04:57
Last Modified: 14 Mar 2019 04:57
URI: http://repository.uib.ac.id/id/eprint/1260

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