Abstract: Realization of
Non-Performing Loans (NPL)
credit cards in the period 2007 to 2010 has
experienced a rising trend. An
increase of NPL have been caused by the use of credit cards and compulsive
buying. The purpose of this study was to determine the effect of credit card
use and compulsive buying against default risk. Variables consisted of: the use
of credit cards (independent variable), compulsive buying, and default risk
(dependent variable). By using the method of sampling purpose, the respondents
of this study is the user's credit card Bank X in Surabaya, and the number of
samples are 120 respondents. The analytical method used is descriptive analysis
and inferential statistical approach using SEM Approach. Research conclusions
are: the use of credit cards have significant effect on compulsive buying, the
use of credit cards have no significant effect on default risk and compulsive
buying significantly influence to default risk.
Kaywords: use of credit cards,
compulsive buying, default risk
Penulis: Sumarto, Andi Subroto,
Adil Arianto
Kode Jurnal: jpmanajemendd110081
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