PENGARUH FINANCIAL LITERACY DAN FINANCIAL ATTITUDE TERHADAP PERILAKU PEMBAYARAN KARTU KREDIT DI UNIVERSITAS MERCU BUANA MERUYA (Studi Pada Mahasiswa Kelas Karyawan Fakultas Ekonomi dan Bisnis Studi Manajemen)

AMALIA, IZQI (2019) PENGARUH FINANCIAL LITERACY DAN FINANCIAL ATTITUDE TERHADAP PERILAKU PEMBAYARAN KARTU KREDIT DI UNIVERSITAS MERCU BUANA MERUYA (Studi Pada Mahasiswa Kelas Karyawan Fakultas Ekonomi dan Bisnis Studi Manajemen). S1 thesis, Universitas Mercu Buana Jakarta.

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Abstract

The use of credit cards in the last few years has continued to increase. This is because the cash payment system is considered to reduce convenience in transactions and is considered to have a relatively high security risk. While the use of credit cards provides a payment system that is more practical, fast, safe and comfortable but in its use financial literacy and financial attitude are needed so that credit cards can be based on important needs and in accordance with the financial situation of each customer. This study aims to examine the effect of financial literacy and financial attitude on credit card payment behavior at Mercu Buana Meruya University. The sample used amounted to 73 respondents in students of the Faculty of Economics and Business Management Studies at Mercu Buana University Meruya. Data was collected using a questionnaire, the sampling technique used in this study was a non probability sampling technique with a purposive sampling method. The analytical method used in this study is multiple linear regression analysis using SPSS 22. The results of the study show that financial literacy and financial attitude have a positive and significant effect on the behavior of credit card payments. Keywords: Financial Literacy, Financial Attitude, Financial Behavior, Credit Card Payment Behavior, Students Penggunaan kartu kredit beberapa tahun terakhir ini terus meningkat, Hal ini disebabkan karena sistem pembayaran tunai dianggap mengurangi kenyamanan dalam bertransaksi dan dinilai memiliki risiko keamanan yang relatif tinggi. Sedangkan penggunaan kartu kredit memberikan sistem pembayaran yang lebih praktis, cepat, aman dan nyaman tetapi dalam penggunaannya dibutuhkan financial literacy dan financial attitude yang baik sehingga kartu kredit bisa didasarkan pada kebutuhan yang penting dan sesuai dengan keadaan keuangan masing-masing nasabah. Penelitian ini bertujuan untuk meneliti pengaruh financial literacy dan financial attitude terhadap perilaku pembayaran kartu kredit di Universitas Mercu Buana Meruya. Sampel yang digunakan berjumlah 73 Responden pada mahasiswa Fakultas Ekonomi dan Bisnis Studi Manajemen di Universitas Mercu Buana Meruya. Data dikumpulkan menggunakan kuesioner, Teknik pengambilan sampel yang digunakan dalam penelitian ini adalah teknik non probability sampling dengan metode purposive sampling. Metode analisis yang digunakan dalam penelitian ini adalah analisis regresi linear berganda dengan menggunakan SPSS 22. Hasil penelitian menunjukan bahwa financial literacy dan financial attitude berpengaruh positif dan signifikan terhadap perilaku pembayaran kartu kredit. Kata Kunci: Financial Literacy, Financial Attitude, Financial Behaviour, Perilaku Pembayaran Kartu Kredit, Mahasiswa

Item Type: Thesis (S1)
Call Number CD: FE/MJ. 19 940
Call Number: SE/31/19/165
NIM/NIDN Creators: 43114120058
Uncontrolled Keywords: Financial Literacy, Financial Attitude, Financial Behaviour, Perilaku Pembayaran Kartu Kredit, Mahasiswa
Subjects: 300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi
300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi > 332 Financial Economics, Finance/Ekonomi Keuangan dan Finansial, Ekonomi Biaya dan Pembiayaan
300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi > 332 Financial Economics, Finance/Ekonomi Keuangan dan Finansial, Ekonomi Biaya dan Pembiayaan > 332.7 Credit/Kredit
300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi > 334 Cooperative/Koperasi, Sistem Perkoperasian
300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi > 334 Cooperative/Koperasi, Sistem Perkoperasian > 334.2 Banking and Credit Cooperatives/Koperasi Perbankan dan Kredit
Divisions: Fakultas Ekonomi dan Bisnis > Manajemen
Depositing User: Dede Muksin Lubis
Date Deposited: 11 Aug 2022 01:18
Last Modified: 05 Aug 2023 06:36
URI: http://repository.mercubuana.ac.id/id/eprint/67263

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