Pengaruh literasi dan pengalaman keuangan terhadap penggunaan kartu kredit pekerja di Banyuwangi
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...
Saved in:
| Main Author: | |
|---|---|
| Format: | Article |
| Language: | English |
| Published: |
Research Center and Community Services
2017-04-01
|
| Series: | Journal of Business & Banking |
| Subjects: | |
| Online Access: | https://journal.perbanas.ac.id/index.php/jbb/article/view/730 |
| Tags: |
Add Tag
No Tags, Be the first to tag this record!
|
| _version_ | 1850177485392576512 |
|---|---|
| author | Cintya Restu Destianata |
| author_facet | Cintya Restu Destianata |
| author_sort | Cintya Restu Destianata |
| collection | DOAJ |
| description | 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. |
| format | Article |
| id | doaj-art-3de3a6bf503b4a5090563241bd6e2b1f |
| institution | OA Journals |
| issn | 2088-7841 2303-3460 |
| language | English |
| publishDate | 2017-04-01 |
| publisher | Research Center and Community Services |
| record_format | Article |
| series | Journal of Business & Banking |
| spelling | doaj-art-3de3a6bf503b4a5090563241bd6e2b1f2025-08-20T02:18:58ZengResearch Center and Community ServicesJournal of Business & Banking2088-78412303-34602017-04-016226928010.14414/jbb.v6i2.730Pengaruh literasi dan pengalaman keuangan terhadap penggunaan kartu kredit pekerja di BanyuwangiCintya Restu DestianataNowadays, 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.https://journal.perbanas.ac.id/index.php/jbb/article/view/730financial literacyfinancial experienceand credit card usage. |
| spellingShingle | Cintya Restu Destianata Pengaruh literasi dan pengalaman keuangan terhadap penggunaan kartu kredit pekerja di Banyuwangi Journal of Business & Banking financial literacy financial experience and credit card usage. |
| title | Pengaruh literasi dan pengalaman keuangan terhadap penggunaan kartu kredit pekerja di Banyuwangi |
| title_full | Pengaruh literasi dan pengalaman keuangan terhadap penggunaan kartu kredit pekerja di Banyuwangi |
| title_fullStr | Pengaruh literasi dan pengalaman keuangan terhadap penggunaan kartu kredit pekerja di Banyuwangi |
| title_full_unstemmed | Pengaruh literasi dan pengalaman keuangan terhadap penggunaan kartu kredit pekerja di Banyuwangi |
| title_short | Pengaruh literasi dan pengalaman keuangan terhadap penggunaan kartu kredit pekerja di Banyuwangi |
| title_sort | pengaruh literasi dan pengalaman keuangan terhadap penggunaan kartu kredit pekerja di banyuwangi |
| topic | financial literacy financial experience and credit card usage. |
| url | https://journal.perbanas.ac.id/index.php/jbb/article/view/730 |
| work_keys_str_mv | AT cintyarestudestianata pengaruhliterasidanpengalamankeuanganterhadappenggunaankartukreditpekerjadibanyuwangi |