|
UPSI Digital Repository (UDRep)
|
|
| ||||||||||||||||||||
| Abstract : |
| In line with the advance in technology and the increasing demands for better services, the market for credit card has shown tremendous growth performance,. The genuine usage of credit card in the form of convenience has diverged to associate with overspending, irresponsibility, revolving liability and bankruptcy. This infers that the possession of credit cards has brought upon a change in consumers’ usage behaviors. Thus, this study aims to determine the academicians’ credit card usage behaviors in a private tertiary institution in Malaysia. The dependent variable is usage behavior and the independent variables that serve as attributes are personal attitude, spending and repayment patterns. Meanwhile, the moderating variable in this study is gender. Data obtained via questionnaire were keyed into Statistical Packages for Social Science (SPSS) version 22.0 to generate descriptive statistics such as the demographic profile of respondents and inferential analysis such as independent sample t-test, Pearson correlation and reliability test. The finding revealed that repayment patterns are the most significant attribute of academicians’ credit card usage behaviors. On the other hand, there are no differences in credit card usage behavior between male and female academicians. Outcome from this study enable the government and credit card companies to relook on the requirement of granting credit card by taking into consideration of the holder’s repayment ability. This enables to produce a financially healthier and educated society and also to reach to the younger generations’ positively through the influence of the academicians. |
| References |
1. Ahmed, Z. U., Ismail, I., Sohail, M. S., Tabsh, I., & Alias, H. (2010). Malaysia consumers’ credit card usage behavior. Asia Pacific Journal of Marketing and Logistic, 22(4), 528-544. 2. Bank Negara Malaysia. (2011). Annual Report. Kuala Lumpur:Central Bank of Malaysia. 3. Bank Negara Malaysia. (2016). BNM Catalogue - Monthly Statistical Bulletin June 2016. http://www.bnm.gov.my/index.php?ch=en_publication_catalogue&pg=en_publication_msb&mth=6&yr=2016&lang=en. Accessed August 2016. 4. Bank Negara Malaysia. (2015). BNM Payment Systems - List of Regulatees. http://www.bnm.gov.my/?ch=ps&pg=ps_regulatees#Credit. Accessed August 2016. 5. Cankaya, S., Ucal, M., & O’neil, M. L. (2011). Effects of gender on credit card usage among university students in Turkey. African Journal of Business Management, 5(22), 9023-9030. 6. Cebeci, I., & Sanli, T. (2016). A research study on the Attitude towards Credit Card Usage of the Academic Staff at Giresun University in Turkey. Global Journal for Research Analysis, 5(4), 117-119. 7. Chan, R. (1997). Demographic and attitudinal differences between active and inactive credit cardholders – the case of Hong Kong. International Journal of Bank Marketing, 15(4), 117-25. 8. Dewri, L. V., Islam, M.R., & Saha, N.K. (2016). Behavioral Analysis of Credit Card Users in a Developing Country: A Case of Bangladesh. International Journal of Business and Management, 11(4), 299. 9. Elangkovan, K., & Ahmed, R. A. L. (2013). Bankruptcy: A Natural Phenomena Being Attacked On Malaysians. International Journal of Humanities and Management Sciences, 1(1), 74-76. 10. Fogel, J., & Schneider, M. (2011). Credit card use: Disposable income and employment status. Young Consumers 12(1), 5-14. 11. Foscht, T., Maloless, C., Swoboda, B., & Chia, S. L. (2010). Debit and credit card usage and satisfaction: Who uses which and why – Evidence from Austria. International Journal of Bank Marketing, 28(2), 150-165. 12. Hussin, S. R., Kassim, S. & Jamal, N. (2013). Credit card holders in Malaysia: Customer Characteristics and credit card usage. International Journal of Economics and Management, 7(1), 108-122. 13. Ingene, C., & Levy, M. (1982). Cash discounts to retail consumers: An alternative to credit card sales. The Journal of Marketing, 92-103. 14. Jusoh, Z., & Lin, Y. L. (2012). Personal financial knowledge and attitude towards credit card practices among working adults in Malaysia. International Journal of Business and Social Science, 3(7), 176-185. 15. Klein, L. (1999). It’s in the cards: consumer credit and the American experience. Greenwood Publishing Group. 16. Krejcie, R. V., & Morgan, D. W. (1970). Determining sample size for research activities. Educational and Psychological Measurement, 30, 607-610. 17. Limbu, Y. B., Huhmann, B. A., & Xu, B. (2012). Are college students at greater risk of credit card abuse? Age, gender, materialism and parental influence on consumer response to credit cards. Journal of Financial Services Marketing, 17(2), 148-162. 18. Nawi, N.H.M., Redzuan, M., & Nawi, N.H.M. (2013). The effects of Relationship Management, Self-Management and Social Awareness Sub-scales on Transformational Leadership Behaviour among Educational Leaders. Akademika, 83(2&3), 3-11. 19. Nga, J. K. H., Yong, L. H. L., & Sellappan, R. (2011). The influence of image consciousness, materialism and compulsive spending on credit card use intentions among youth. Young Consumers, 12(3), 243-53. 20. Omar, N. A., Rahim, R. A., Wel, C. A. C. & Alam, S. S. (2014). Compulsive buying and credit card misuse among credit card holders: The roles of self-esteem, materialism, impulsive buying and budget constraint. Intangible Capital, 10(1), 52-74. 21. Penman, S., & McNeil, L. S. (2008). Spending their way to adulthood: consumption outside the nest. Young Consumers, 9(3), 155-69. 22. Ramayah, T., Nasser, N., Aizzat, M., & Lim, H. C. (2002). Cardholders’ attitude and bank credit card usage in Malaysia: an exploratory study. Asian Academy of Management Journal, 7(1), 75-102. 23. Rasiah, D., & Masuod, S. (2013). The flexible Alternative Consumer Financing in Malaysia, Credit Cards. Journal of Social and Development Sciences, 4(3), 147-151. 24. Tamara, D., & Javier, S. (2004).Generation Broke: The Growth Debt among Young Americans‘‘. Retrieved from http://www.demos.org/pubs/Generation_Broke.pdf. Accessed 10 January 2012. 25. Tan, A. K., Ten, S. T., & Loke, T. J. (2011). Credit card holders, convenience users and revolvers: A tobit model with binary selection and ordinal treatment. Journal of Applied Economics, 14(2), 225-255. 26. Themba, G., & Tumedi, C. B. (2012). Credit card ownership and usage behavior in Botswana. International Journal of Business Administration, 3(6), 60-71. 27. Ajzen, I. (1991). The Theory of Planned Behaviour. Organizational Behavior and Human Decision Processes, 50, 179-211, Retrieved from http://www.valuebasedmanagement.net/methods_ajzen_theory_planned_behavior.html. Accessed October 20 2015. 28. Thomas, A. (2000). Credit cards: use and consumer attitudes. Federal Reserve Bulletin, 623-634. |
| This material may be protected under Copyright Act which governs the making of photocopies or reproductions of copyrighted materials. You may use the digitized material for private study, scholarship, or research. |