Pengaruh gaya hidup, kontrol diri dan preferensi waktu terhadap tingkat utang kartu kredit

Indrawati, Indrawati (2019) Pengaruh gaya hidup, kontrol diri dan preferensi waktu terhadap tingkat utang kartu kredit. Masters thesis, Universitas Pelita Harapan.

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Abstract

This study aims to determine the influence of lifestyle, self-control and time preference on credit card debt in Jabodetabek. The research method used is the research method survey. The study sample was 200 people. The results showed that there were influences on Lifestyle, Self Control and Time Preferences on credit card debt. Its contribution reaches 45.23%. Individually Lifestyle can explain Credit Card Debt 36.6862% or it can be interpreted: every change in one unit of Lifestyle can result in changes in Credit Card Debt by 36.2688%. Self Control can explain Credit Card Debt 16.4597% or can be interpreted: every change in one Self Control unit can result in changes in Credit Card Debt by 16.4597%. While Time Preference can explain Credit Card Debt 35.7544% or can be interpreted: each change in one Time Preference unit can result in changes in Credit Card Debt by 35.7544%. Thus, Lifestyle is the variable that has the greatest influence on credit card debt, then the time preference. Self control has the smallest influence. / Penelitian ini bertujuan ingin mengetahui pengaruh gaya hidup, kontrol diri dan preferensi waktu terhadap utang kartu kredit di Jabodetabek. Metode penelitian yang digunakan adalah survey research method. Sampel penelitian sebanyak 200 orang. Hasil penelitian menunjukkan terdapat pengaruh Gaya Hidup, Kontrol Diri dan Preferensi Waktu terhadap utang kartu kredit. Kontribusinya mencapai 45,23%. Secara individu Gaya Hidup dapat menjelaskan Utang Kartu Kredit 36.6862% atau dapat diartikan: setiap perubahan satu satuan Gaya Hidup dapat mengakibatkan perubahan pada Utang Kartu Kredit sebesar 36.6862%. Kontrol Diri dapat menjelaskan Utang Kartu Kredit 16.4597% atau dapat diartikan: setiap perubahan satu satuan Kontrol Diri dapat mengakibatkan perubahan pada Utang Kartu Kredit sebesar 16.4597%. Sedangkan Preferensi Waktu dapat menjelaskan Utang Kartu Kredit 35,7544% atau dapat diartikan: setiap perubahan satu satuan Preferensi Waktu dapat mengakibatkan perubahan pada Utang Kartu Kredit sebesar 35,7544%. Dengan demikian, gaya hidup adalah variabel yang paling besar pengaruhnya terhadap utang kartu kredit, selanjutnya adalah preferensi waktu. Kontrol diri mempunyai pengaruh paling kecil.

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