An Empirical Investigation on Credit Card Repayment Pattern of Academicians in Malaysia
The credit card market has witnessed tremendous growth resulting from a paradigm shift in technology. The genuine usage of credit cards as a form of convenience has diverged to overspending, irresponsibility, revolving liability and bankruptcy. This implies that possession of credit cards has broug...
| Main Authors: | , , , |
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| Format: | Article |
| Language: | English |
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Universiti Utara Malaysia
2018-08-01
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| Series: | The International Journal of Banking and Finance |
| Subjects: | |
| Online Access: | https://www.e-journal.uum.edu.my/index.php/ijbf/article/view/8504 |
| _version_ | 1828069301732507648 |
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| author | Kuah Yoke Chin Wei Chooi Yi Chin Lai Kwan Chia Mei Si |
| author_facet | Kuah Yoke Chin Wei Chooi Yi Chin Lai Kwan Chia Mei Si |
| author_sort | Kuah Yoke Chin |
| collection | DOAJ |
| description |
The credit card market has witnessed tremendous growth resulting from a paradigm shift in technology. The genuine usage of credit cards as a form of convenience has diverged to overspending, irresponsibility, revolving liability and bankruptcy. This implies that possession of credit cards has brought about a change in users’ repayment behavior. Thus, this study aims to determine academicians’ credit card repayment pattern in a private tertiary institution in Malaysia. The dependent variable is the repayment pattern and the independent variables that serve as the attributes include personal attitude and spending pattern, while, gender and parenthood serve as the moderating variables. Findings revealed that personal attitude and spending pattern were important attributes in determining the repayment pattern among the academicians. Gender and parenthood were found to play a moderating role in the repayment pattern. Findings from this study is expected to facilitate the government and credit card companies to work towards nurturing a financially healthier and informed society, and also to each out positively to the younger generations through the influence of the academicians.
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| first_indexed | 2024-04-11T00:15:58Z |
| format | Article |
| id | doaj.art-fd021822b7d3405a95793fc3621302d7 |
| institution | Directory Open Access Journal |
| issn | 2811-3799 2590-423X |
| language | English |
| last_indexed | 2024-04-11T00:15:58Z |
| publishDate | 2018-08-01 |
| publisher | Universiti Utara Malaysia |
| record_format | Article |
| series | The International Journal of Banking and Finance |
| spelling | doaj.art-fd021822b7d3405a95793fc3621302d72023-01-09T03:08:02ZengUniversiti Utara MalaysiaThe International Journal of Banking and Finance2811-37992590-423X2018-08-01132An Empirical Investigation on Credit Card Repayment Pattern of Academicians in MalaysiaKuah Yoke Chin0Wei Chooi Yi1Chin Lai Kwan2Chia Mei Si3Faculty of Business and Finance, Universiti Tunku Abdul Rahman, MalaysiaFaculty of Business and Finance, Universiti Tunku Abdul Rahman, MalaysiaFaculty of Business and Finance, Universiti Tunku Abdul Rahman, MalaysiaFaculty of Business and Finance, Universiti Tunku Abdul Rahman, Malaysia The credit card market has witnessed tremendous growth resulting from a paradigm shift in technology. The genuine usage of credit cards as a form of convenience has diverged to overspending, irresponsibility, revolving liability and bankruptcy. This implies that possession of credit cards has brought about a change in users’ repayment behavior. Thus, this study aims to determine academicians’ credit card repayment pattern in a private tertiary institution in Malaysia. The dependent variable is the repayment pattern and the independent variables that serve as the attributes include personal attitude and spending pattern, while, gender and parenthood serve as the moderating variables. Findings revealed that personal attitude and spending pattern were important attributes in determining the repayment pattern among the academicians. Gender and parenthood were found to play a moderating role in the repayment pattern. Findings from this study is expected to facilitate the government and credit card companies to work towards nurturing a financially healthier and informed society, and also to each out positively to the younger generations through the influence of the academicians. https://www.e-journal.uum.edu.my/index.php/ijbf/article/view/8504Personal attitudeSpending patternRepayment patternGenderparenthood |
| spellingShingle | Kuah Yoke Chin Wei Chooi Yi Chin Lai Kwan Chia Mei Si An Empirical Investigation on Credit Card Repayment Pattern of Academicians in Malaysia The International Journal of Banking and Finance Personal attitude Spending pattern Repayment pattern Gender parenthood |
| title | An Empirical Investigation on Credit Card Repayment Pattern of Academicians in Malaysia |
| title_full | An Empirical Investigation on Credit Card Repayment Pattern of Academicians in Malaysia |
| title_fullStr | An Empirical Investigation on Credit Card Repayment Pattern of Academicians in Malaysia |
| title_full_unstemmed | An Empirical Investigation on Credit Card Repayment Pattern of Academicians in Malaysia |
| title_short | An Empirical Investigation on Credit Card Repayment Pattern of Academicians in Malaysia |
| title_sort | empirical investigation on credit card repayment pattern of academicians in malaysia |
| topic | Personal attitude Spending pattern Repayment pattern Gender parenthood |
| url | https://www.e-journal.uum.edu.my/index.php/ijbf/article/view/8504 |
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