PENGARUH TINGKAT LITERASI KEUANGAN DAN PENGALAMAN KEUANGAN TERHADAP POLA PENGGUNAAN KARTU KREDIT PADA PEKERJA DI BANYUWANGI
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Institusion

Sekolah Tinggi Ilmu Ekonomi Perbanas Surabaya

Author

DESTIANATA, CINTYA RESTU

Subject

658.15 - FINANCIAL MANAGEMENT 

Datestamp

2017-02-27 03:58:52 

Abstract :
Nowadays, credit card isn’t luxury goods that only owned by person who has high income. It easily obtained by everyone, starting from the middle class and above, including employees. Credit card provides many advantages and facilities for daily transaction, but a lot of credit card user unwisely used it for unimportant stuff. To use a credit card, a user should be accompanied by financial literacy and financial experience, so they can use credit card based on their needs and financial capabilities. This study’s aim is to examine the financial literacy and financial experience on credit card usages on workers. Data were collected using a questionnaire. The respondent of this study is 110 workers who has credit card in Banyuwangi by snowball sampling. By using Multiple Regression Analysis, this study found that financial experience positively affected on credit card usage, but financial literacy has no impact on credit card usage. Key words : Financial Literacy, Financial Experience, and Credit Card Used 

File :
ARTIKEL ILMIAH.pdf
Cover.pdf
BAB I.pdf
BAB II.pdf
BAB III.pdf
BAB IV.pdf
BAB V.pdf
Lampiran.pdf