During Covid 19 in Indonesia: A Review Study on Credit Card Usage-Reference-Cited by-同舟云学术

During Covid 19 in Indonesia: A Review Study on Credit Card Usage

Published:2024-05-13 Issue: Volume:20 Page:148-157
ISSN:2224-3496
Container-title:WSEAS TRANSACTIONS ON ENVIRONMENT AND DEVELOPMENT
language:en
Short-container-title:

Author:

Sugesko Sugesko¹,Rahayu Agus¹,Disman Disman¹,Furqon Chairul¹

Affiliation:

1. Faculty of Economic and Business, Indonesia Education University, Jl. Dr. Setiabudi No. 229, Bandung 40154, INDONESIA

Abstract

The purpose of this study is to explore the effect of financial management and lifestyle on credit card usage in Indonesia during COVID-19 as moderating variable. The methodology used is hypothesis testing. The sample is 250 credit card users with specified characteristics. The result of the study using structural equation modeling - partial least square analysis show that these two variables have a significant effect on credit card usage and covid 19 can be a significant moderator for it.

Publisher

World Scientific and Engineering Academy and Society (WSEAS)

Reference31 articles.

1. Joyce, E. J. (2014), Associate Professor, Department of Design, Extension Specialist, Personal Finance, [Online]. www.nelliemae.com/library/research.html (Accessed Date: July 25, 2021).

2. Shui, Haiyan and Ausubel, Lawrence M., Time Inconsistency in the Credit Card Market (May 3, 2004), SSRN, http://dx.doi.org/10.2139/ssrn.586622.

3. Kim, J. Impact of the perceived threat of COVID-19 on variety-seeking. Australasian Marketing Journal (AMJ), 2020, 28, 108–116, https://doi.org/10.1016/j.ausmj.2020.07.001.

4. Kotkowski, R.; Polasik, M. COVID-19 pandemic increases the divide between cash and cashless payment users in Europe. Econ. Lett. 2021, 209, 110139.

5. Velananda, Yashoda. (2020), Factors Influencing the Use of Credit Cards Usage among Sri Lankan Working Adults, Asian Journal of Economics, Finance and Management. Article no. AJEFM.184.