The Relationships of Self Control and Neuroticism Personality Tendency to Unhealthy Credit Card Usage of Career Women in Surabaya

Sandy, Devi Adilah; Renanita, Theda

doi:10.37715/jee.v7i1.631

Cited by 3 publications

(6 citation statements)

References 12 publications

(7 reference statements)

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“…Self-control is an activity to control behavior, where a person makes considerations before deciding what to do (Candra et al, 2021;Sandy & Renanita, 2018). The same opinion was expressed by Nastasia and Fenia, Wijaya, Mardianto, and Prasetia (2021) who added that self-control is a situation when a person is able to control himself in every action he takes.…”

Section: Self-controlmentioning

confidence: 84%

The Effect of Financial Literacy and Self-Control on the Consumptive Behavior of State Senior High School Students in East Jakarta

2022

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This research with a quantitative approach aims to describe the direct and indirect effects of financial literacy on self-control and consumptive behavior, as well as the role of self-control as a mediating variable between the influence of financial literacy and consumptive behavior. The population in this study were SMA Negeri students in East Jakarta, with a total of 285 students being the sample, which was determined by a proportionate random sampling technique. Data was obtained using a questionnaire distributed through Google Form, then analyzed using path analysis with the help of IBM SPSS Version 25 software. The results showed that: (1) There is a direct influence of financial literacy on consumptive behavior; (2) There is a direct influence of self-control on consumptive behavior; (3) There is a direct influence of financial literacy on self-control; and (4) Self-control is able to mediate the effect of financial literacy on the consumptive behavior of State Senior High School students in East Jakarta. In order to reduce consumptive behavior, the school can create activities that can help students improve their financial literacy and self-control. And for further researchers, it is hoped that they can examine other factors that are thought to influence consumptive behavior.

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Section: Self-controlmentioning

confidence: 84%

The Effect of Financial Literacy and Self-Control on the Consumptive Behavior of State Senior High School Students in East Jakarta

2022

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“…The relationship between self-control (SC) and CCU also has various results. In their investigation, Mansfield et al (2003), Wang et al (2011), Limerick & Peltier (2014, Haryana (2017), Sandy andRenanita (2018), andFernández-López et al (2023) report a negative sign. According to Perera et al (2016), a negative correlation exists between SC and revolving debt on credit cards in the married group but does not occur in the single group.…”

Section: Introductionmentioning

confidence: 83%

“…The study of 96 people in Surabaya by Haryana (2017) exhibits that the higher the self-control, the lower the personal tendency to use a credit card. In their research utilizing 73 Indonesian career women in Surabaya, Sandy and Renanita (2018) conclude that self-control reduces harmful credit card usage. By employing 8,554 Spanish citizens as the samples, Fernández-López et al ( 2023) prove a negative propensity of self-control towards taking cash in advance behavior on credit cards for individual level.…”

Section: Relationship Between Self-control and Usage Of Credit Cardmentioning

confidence: 99%

“…Studies learning the behavioral determinants of credit card users exist based on respondents from several countries, such as the United States (Limerick & Peltier, 2014;Mansfield, Pinto, & Parente, 2003;Robb, 2011), the United Kingdom (Gathergood, 2012), Brazil (Matos, Vieira, Bonfanti, & Mette, 2019), Mexico (Hernández-Mejía, García-Santillán, & Moreno-García, 2021), China (Chen, Yu, & Sun, 2023;Wang, Lu, & Malhotra, 2011), Oman (Uddin, 2021), Spain (Fernández-López, Castro-González, Rey-Ares, & Rodeiro-Pazos, 2023), Malaysia (Ahmed, Ismail, Sadiq Sohail, Tabsh, & Alias, 2010;Alam, Rahim, Haq, & Khan, 2014;Omar, Rahim, Wel, & Alam, 2014), Pakistan (Perera, Dayanga, & Jayasuriya, 2016), and Indonesia (Destianata & Lutfi, 2016;Haryana, 2017;Lestari, Suharjo, & Muflikhati, 2017;Sandy & Renanita, 2018;Simanjuntak & Rosifa, 2016).…”

Section: Introductionmentioning

confidence: 99%

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Financial literacy, self-control, self-esteem, and credit card utilization

Hadianto,

Herlina,

Mariana

et al. 2023

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This study combines one personal financial management concept, money-related literacy, and psychological ideas, i.e., self-control and self-esteem, in one model to be statistically associated with credit card behavior by utilizing gender as the control variable. Therefore, this study investigates and analyses the effect of financial literacy, self-control, and self-esteem on credit card usage. Furthermore, this study employs 120 bank employees as samples, taken by a snowball sampling technique. Besides, this study surveys their perspective based on the close-ended questions in the questionnaire. After obtaining their responses, their validity and reliability are verified. Also, the goodness-of-fit model is detected. After the model fits the data, the structural equation model based on covariance is utilized to examine the causal relationship declared in the proposed hypotheses. After checking them, this study concludes that financial literacy, self-control, and self-esteem successfully create credit card utilization. Employees with strong financial literacy, self-control, and self-esteem are responsible for owning credit cards because they tend to use them less and pay their bills on time. Females have a positive propensity for credit card utilization to achieve their identity and emotional status. As an implication, the study recommends females instantly convert their transactions into installments and pay the bill in the maximum and minimum ranges to avoid a decrease in credit scores. Besides, internal and external marketing is needed to attract female employees working at similar banks or other banks that cannot issue credit cards.

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“…It might be due to such diversity that Research in certain areas has failed to signify the positive effect of self-control on financial Behaviour. Sandy & Renanita (2018) carried out a study in Surabaya. From partial correlation analysis, they determined that there was no direct relationship between self-control and unhealthy usage of credit cards.…”

Section: Self-controlmentioning

confidence: 99%

The Effect of Self-Control on Loan Repayment Decisions of Women Market Vendors in Mbeya Municipality, Tanzania

Gomera

Ngollo

2023

J. Theor. Appl. Manage.

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Objective: This study aims to examine the effect of self-control on loan repayment decisions of women market vendors in Mbeya municipality, Tanzania. Design/Methods/Approach: This study employed a mixed research design. Primary data was collected via questionnaires and semi-structured interviews. A stratified random sampling technique was used to come up with a sample of 348 respondents selected from a population of 1741 women market vendors. Finally, descriptive statistics and regression analysis were utilized to process the collected data. Findings: The result of data analysis determined that self-control had a significant adverse effect on loan repayment decision Originality/Value: This study is unique since it studies self-control and loan repayment amongst women market vendors. The specificity of the set population allowed for a more in-depth and nuanced understanding of the experiences and challenges faced by this specific group of individuals hence deriving originality in this research. Practical/Policy implication: Findings are useful to policymakers and microcredit providers. Policymakers should promote activities and education that assist Tanzanians in attaining self-control. They should devise policies to make loans more affordable and easier to repay. Microcredit lenders should utilize subjective measures of self-control on loan applications as it is highly effective in enhancing repayment when coupled with high levels of financial literacy.

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The Relationships of Self Control and Neuroticism Personality Tendency to Unhealthy Credit Card Usage of Career Women in Surabaya

Cited by 3 publications

References 12 publications

The Effect of Financial Literacy and Self-Control on the Consumptive Behavior of State Senior High School Students in East Jakarta

The Effect of Financial Literacy and Self-Control on the Consumptive Behavior of State Senior High School Students in East Jakarta

Financial literacy, self-control, self-esteem, and credit card utilization

The Effect of Self-Control on Loan Repayment Decisions of Women Market Vendors in Mbeya Municipality, Tanzania

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