Credit card usage behaviour among teachers in the state of Perlis, Malaysia

Credit card usage behaviour among teachers in the state of Perlis, Malaysia

Credit card debt is an area of concern in Malaysia. Statistics from the Ministry of Education reports that credit card usage among teachers is disproportionately high in Malaysia when compared to other professions. To be able to further understand this situation, this study focused in the teachers i...

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Main Author: Mohamad Hisham, Shamardi
Format: Thesis
Language:eng
eng
Published: 2017
Subjects:
HG Finance
Online Access:https://etd.uum.edu.my/7365/1/s816665_01.pdf
https://etd.uum.edu.my/7365/2/s816665_02.pdf
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id my-uum-etd.7365
record_format uketd_dc
institution Universiti Utara Malaysia
collection UUM ETD
language eng
eng
advisor Abdullah, Shahmir Sivaraj
topic HG Finance
spellingShingle HG Finance
Mohamad Hisham, Shamardi
Credit card usage behaviour among teachers in the state of Perlis, Malaysia
description Credit card debt is an area of concern in Malaysia. Statistics from the Ministry of Education reports that credit card usage among teachers is disproportionately high in Malaysia when compared to other professions. To be able to further understand this situation, this study focused in the teachers in Perlis. The measures for the study were Bank Policy, Credit Card Benefits and User Attributes as the independent variables and credit card usage as the dependent variable. The outcome of the study enabled a better understanding of the reasons for the high usage of credit card by teachers. The findings indicate that credit card benefits have a significant positive relationship on Credit Card Usage. The other two variables (Bank Policy, User Attributes) did not have a significant influence on credit card usage among teachers
format Thesis
qualification_name other
qualification_level Master's degree
author Mohamad Hisham, Shamardi
author_facet Mohamad Hisham, Shamardi
author_sort Mohamad Hisham, Shamardi
title Credit card usage behaviour among teachers in the state of Perlis, Malaysia
title_short Credit card usage behaviour among teachers in the state of Perlis, Malaysia
title_full Credit card usage behaviour among teachers in the state of Perlis, Malaysia
title_fullStr Credit card usage behaviour among teachers in the state of Perlis, Malaysia
title_full_unstemmed Credit card usage behaviour among teachers in the state of Perlis, Malaysia
title_sort credit card usage behaviour among teachers in the state of perlis, malaysia
granting_institution Universiti Utara Malaysia
granting_department Othman Yeop Abdullah Graduate School of Business
publishDate 2017
url https://etd.uum.edu.my/7365/1/s816665_01.pdf
https://etd.uum.edu.my/7365/2/s816665_02.pdf
_version_ 1747828206016135168
spelling my-uum-etd.73652021-05-10T06:36:12Z Credit card usage behaviour among teachers in the state of Perlis, Malaysia 2017 Mohamad Hisham, Shamardi Abdullah, Shahmir Sivaraj Othman Yeop Abdullah Graduate School of Business Othman Yeop Abdullah Graduate School of Business HG Finance Credit card debt is an area of concern in Malaysia. Statistics from the Ministry of Education reports that credit card usage among teachers is disproportionately high in Malaysia when compared to other professions. To be able to further understand this situation, this study focused in the teachers in Perlis. The measures for the study were Bank Policy, Credit Card Benefits and User Attributes as the independent variables and credit card usage as the dependent variable. The outcome of the study enabled a better understanding of the reasons for the high usage of credit card by teachers. The findings indicate that credit card benefits have a significant positive relationship on Credit Card Usage. The other two variables (Bank Policy, User Attributes) did not have a significant influence on credit card usage among teachers 2017 Thesis https://etd.uum.edu.my/7365/ https://etd.uum.edu.my/7365/1/s816665_01.pdf text eng public https://etd.uum.edu.my/7365/2/s816665_02.pdf text eng public other masters Universiti Utara Malaysia Abdul-Muhmin, A. G. and Umar, Y. A. (2007). “Credit Card Ownership and Usage Behaviour in Saudi Arabia: The Impact of Demographics and Attitudes toward Debt”.Journal of Financial Services Marketing, 12(3), 219-234. Ali Kara, E. and Kucukemiroglu, O. (1994). “Credit Card Development Strategies for the Youth Market”. International Journal of Bank Marketing Agarwal, S. and C. Liu, (2003), Determinants of credit card delinquency and bankruptcy: Macroeconomic factors. Journal of Economics and Finance 27, 75-84. Agarwal, S., C. Liu and L. Mielnicki, (2003), Exemption laws and consumer delinquency and bankruptcy behavior: An empirical analysis of credit card data. 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