Determinant factor of sharia credit card user in north of Bekasi city
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Jun 9, 2023
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Abstract
This study is a research that is used to measure the effect of income, financial literacy, credit attitude towards interest in using Sharia credit cards in North of Bekasi City, Indonesia. This research is a quantitative research where the object used is Sharia credit card. The technique used is a probability sampling technique using the Slovin formula. The number of samples used in this study were 100 respondents. The design used in this study is hypothesis testing using the structural equitation model (SEM) – SmartPLS 4.0. The results of this study provide an explanation that the variables of income and financial literacy have no effect on interest in using Sharia credit cards in North of Bekasi City. However, credit attitudes have an influence on interest in using Sharia credit cards in North of Bekasi City This research has a limited object of research which is only carried out on Sharia credit card users in North of Bekasi City. This can be a suggestion for future researchers. The novelty in this study combines the variables of income, financial literacy, credit attitude towards interest in using Sharia credit cards at in North of Bekasi City
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How to Cite
Putra, C. I. W., Yuniati, T., Rianto, M. R., Kurniawan, D., & Zen, A. (2023). Determinant factor of sharia credit card user in north of Bekasi city. Enrichment : Journal of Management, 13(2), 808-815. https://doi.org/10.35335/enrichment.v13i2.1347
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Besri. (2018). Pengaruh Financial Attitude, Financial Knowledge Dan Locus Of Control Terhadap Financial Management Behavior Mahasiswa S-1 Fakultas Ekonomi Universitas Islam Indonesia Yogyakarta. 15(2), 217–219.
Chen, H., Volpe, R. P., & Lui, S. (2006). An Analysis Of The Importance Of Personal Finance Topics And The Level Of Knowledge Possessed By Working Adults. Journal Financial Services Review, 15(1), 81–99.
Chien, Y., & Devany, S. (2010). The Effects of Credit Attitude and Socioe-conomic Factors on Credit Card and Installment Debt. Journal of Consumer Affairs, 35(2), 169–179.
Dash, M., Bhusan, M., Kanta, B., & Suryakanta, M. (2012). Understanding Consumers Risks Perception for Banking on the Internet. International Journal of Engineering and Management Sciences, 3(2), 146–150.
databoks.katadata.co.id. (n.d.). No Title.
Destiana Restu, C. (2016). Pengaruh Literasi dan Pengalaman Keuangan terhadap Penggunaan Kartu Kredit Pekerja di Banyuwangi. Journal of Business and Banking.
Disney, R., & Gathergood, J. (2013). Financial Literacy and Consumer Credit Portfolios. Journal of Banking & Finance, 37(7), 2246–2254.
Gathergood, J. (2012). Self Control, Financial Literacy and Consumer Over indebtedness. Journal of Economic Psychology, 33.
Hair, J. F., Black, W. C., Babin, B. J., & Anderson, R. E. (2019). Multivariate Data Analysis With Reading. https://doi.org/10.1080/00401706.1973.10489095
Handayani, M., & Rianto, M. R. (2021). Pengaruh Financial Knowledge , Pendapatan dan Social influence terhadap Minat Menggunakan Aplikasi Pembayaran Digital pada Generasi Milenial Islam di Kota Bekasi. Jurnal Ilmiah Ekonomi Islam, 7(03), 1858–1865.
Hurlock, B. . (2006). Psikologi Perkembangan. Erlangga.
John J, W. (2003). Analisis Laporan Keuangan. Salemba Empat.
Khalid, J., Safdar Butt, H., Murtaza, M., & Khizar, U. (2013). Perceived Barriers in the Adoption & Usage of Credit Cards in Pakistan Banking Industry. International Review of Management and Business Research, 2(1), 104–110.
Kusumaningtuti, S., & Gecep, S. (2018). Literasi Dan Inklusi Keuangan Indonesia.
Mardiastika. (2019). Analisis Pengaruh Kualitas Layanan, Kualitas Film, Efek Komunitas dan Persepsi Harga Terhadap Sikap Menonton dan Implikasinya Terhadap Minat Menonton. Jurnal Perpustakaan Universitas Diponegoro Semarang, 4(3).
Navickas, M., Gudaitis, T., & Krajnakova, E. (2014). Influence Of Financial Literacy On Management Of Personal Finances In A Young Household. Verslas: Teorija Ir Praktika, 15(1), 32–40.
Nisa, K. (2018). Analisis pengaruh Tingkat Pendapatan dan Religiusitas Mahasiswa Terhadap Minat Menabung di Bank Syariah. Ekonomi Dan Bisnis.
Nursal, M. F., Komariah, N. S., & Rianto, M. R. (2022). Pengaruh Money Saving , Time Saving , Pendapatan dan Lingkungan Sosial terhadap Keputusan Menggunakan Aplikasi Online Food pada Masyarakat Muslim di Kota Bekasi. Jurnal Ilmiah Ekonomi Islam, 8(02), 1769–1775.
Pantow, V. ., & Fista, B. . (2018). Sikap Warga Putat Jaya Mengenai City Branding Kota Surabaya Melalui Program Revitalisasi Eks Lokalisasi Dolly. Jurnal Komunikatif, 7(1), 1–26.
Sekti, A. D. P. (2013). Pengaruh Technology Acceptance Model dan Pengembangannya dalam Perilaku Menggunakan Core Banking System. Jurnal Keuangan Dan Perbankan, 17(2).
Shaleh, A. . (2009). Psikologi Suatu Pengantar Dalam Perspektif Islam. Kencana Prenada Media Grup.
Shih, T. Y., & Chen, S. (2014). Determinates Of Financial Behavior: Insights Into Consumer Money Attitudes And Financial Literacy. Jurnal Service Business, 8(2), 217–238.
Sudrajat, A. (2010). Tentang Pendidikan Karakter. Paramita.
Sugiyono. (2019). Metode Penelitian Kuantitatif Kualitatif Dan R&D.
Sujarweni, V. W. (2018). Metodologi Penelitian Bisnis dan Ekonomi Pendekatan Kuantitati.
Suparmoko, M. (2010). Pengantar Ekonomi Makro. BPFE.
Yanto, W., Baskoro, E., & Fitriani. (2020). Pengaruh Manfaat, Kemudahan Dan Keamanan Terhadap Minat Pemakaian Financial Technology Pada Aplikasi Ovo Sebagai Digital Payment. Jurnal Akuntansi AKTIVA, 1(1), 1.
Yogasnumurti, R. ., Sadalia, I., & Irawati, N. (2020). The Effect of Financial Attitude and Financial Knowledge on Personal Financial Management of University Students Moderator by Gender. International Journal of Research and Review,.
Yushita, A. . (2017). Pentingnya Literasi Keuangan Bagi Pengelolaan Keuangan Pribadi. Nominal, Barometer Riset Akuntansi Dan Manajemen, 6(1).