Kuah, Yoke Chin and Wei, Chooi Yi and Chin, Lai Kwan and Chia, Mei Si (2017) An Empirical Investigation on Credit Card Repayment Pattern of Academicians in Malaysia. International Journal of Banking and Finance (IJBF), 13 (2). pp. 21-42. ISSN 2590-423X

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Abstract

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.

Item Type:	Article
Uncontrolled Keywords:	Personal attitude, Spending pattern, Repayment pattern, Gender, parenthood
Subjects:	H Social Sciences > HG Finance
Divisions:	School of Economics, Finance & Banking
Depositing User:	Mrs Nurin Jazlina Hamid
Date Deposited:	06 Jun 2023 09:02
Last Modified:	06 Jun 2023 09:02
URI:	https://repo.uum.edu.my/id/eprint/29526

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