PENGARUH FINANCIAL LITERACY DAN FINANCIAL ATTITUDE TERHADAP PERILAKU PEMBAYARAN KARTU KREDIT DI UNIVERSITAS MERCU BUANA MERUYA (Studi Pada Mahasiswa Kelas Karyawan Fakultas Ekonomi dan Bisnis Studi Manajemen)

Abstract

The use of credit cards in recent years has continued to increase, this is because the cash payment system is considered to reduce the convenience of transactions and is considered to have a relatively high security risk. While the use of credit cards provides a payment system that is more practical, fast, secure and convenient but in its use it requires financial literacy and a good financial attitude so that credit cards can be based on important needs and in accordance with the financial situation of each customer. This study aims to examine the influence of financial literacy and financial attitudes on credit card payment behavior at Mercu Buana Meruya University. The sample used amounted to 73 respondents in students of the Faculty of Economics and Business Management Studies at Mercu Buana Meruya University. The data was collected using questionnaires, the sampling technique used in this study is a non probability sampling technique. The analysis method used in this study is multiple linear regression analysis using SPSS 22. The results showed that financial literacy and financial attitudes had a positive and significant effect on credit card payment behavior.