Abstrak

Baca Juga : PENGARUH POLA KONSUMSI TERHADAP PERMINTAAN KREDIT KONSUMTIF DI BANDA ACEH (Muhammad Aris, 2017) ,

Baca Juga : PERMINTAAN KARTU KREDIT DI KOTA BANDA ACEH (YOLA MAIRINA SARI, 2017) ,

ggunakan kartu kredit adalah usia, jenjang pendidikan, status perkawinan, jenis pekerjaan, pendapatan dan suku bunga kartu kredit. penelitian ini merekomendasikan pemerintah untuk memberikan sosialisasi tentang apmk (alat pembayaran menggunakan kartu), khususnya kartu kredit, agar masyarakat dapat lebih paham mekanisme sistem pembayaran dengan menggunakan kartu kredit. kelemahan penelitian ini terbatas pada masyarakat pengguna kartu kredit, untuk penelitian selanjutnya dapat menambah sampel dan diperlukan pengembangan model lebih baik misalnya menggunakan metode deskriptif dengan tobit model analysis. kata kunci : persentase pengeluaran dengan menggunakan kartu kredit, suku bunga kartu kredit, pendapatan, ordinary least square(ols) abstract title : credit card demand in banda aceh city name : yola mairina sari studend id : 1301101010093 faculty / department : economic and business/economic development academic advisor : dr. taufiq c dawood, se, m.ec. dev this study aims to determine the effect of credit card interest rate and income on expenditure percentage by using credit card in banda aceh city. the number of samples of 100 people selected at random to the community of credit card users. the analysis model used is multiple linear regression (multiple linear regression) to identify demand for credit cards in banda aceh. this research use approach ordinary least square (ols). the results showed that the interest rate of credit card has a negative effect on the percentage of expenditure by using credit card while income has a positive effect. other factors that affect the percentage of spending by credit card are age, education level, marital status, occupation type, income and credit card interest rate. this research recommends government to provide socialization about apmk (payment instrument using cards), especially credit card, so that people can better understand mechanism of payment system by using credit card. the weakness of this study is limited to people who use a credit card, for further research can add samples and required the development of better models using methods such as descriptive tobit model analysis. keywords: percentage of expenditures by using credit card, credit card interest rate, income, ordinary least square (ols)

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