Repayment patterns, financial discipline and consumer profiling: an empirical investigation among credit card users in Malaysia
This study attempts to investigate the extent of financial discipline being observed by the credit card users in Malaysia and subsequently relate the financial discipline levels to the profile of the credit card users. To measure financial discipline, the study focuses on repayment preference of t...
| Main Authors: | , |
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| Format: | Article |
| Language: | English |
| Published: |
IDOSI Publications
2013
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| Online Access: | http://psasir.upm.edu.my/id/eprint/30877/ http://psasir.upm.edu.my/id/eprint/30877/1/Repayment%20patterns.pdf |
| _version_ | 1848846803203522560 |
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| author | Hussin, Siti Rahayu Kassim, Salina |
| author_facet | Hussin, Siti Rahayu Kassim, Salina |
| author_sort | Hussin, Siti Rahayu |
| building | UPM Institutional Repository |
| collection | Online Access |
| description | This study attempts to investigate the extent of financial discipline being observed by the credit card
users in Malaysia and subsequently relate the financial discipline levels to the profile of the credit card users.
To measure financial discipline, the study focuses on repayment preference of the card users, as to whether
they would pay in the full amount of the outstanding balance, pay according to ability, or pay the minimum
required amount. Descriptive analysis is used to describe the profile of the credit card users, while the
relationship between the repayment preferences and credit card users’ profile is assessed empirically using
Pearson correlation analysis and further substantiated by the chi-square analysis. The results of this study
provide information on the segments of the credit card users that are susceptible to financial difficulties,
which are of particular interests to the policymakers amid the increasing concerns of consumer indebtedness
in this country. |
| first_indexed | 2025-11-15T09:08:31Z |
| format | Article |
| id | upm-30877 |
| institution | Universiti Putra Malaysia |
| institution_category | Local University |
| language | English |
| last_indexed | 2025-11-15T09:08:31Z |
| publishDate | 2013 |
| publisher | IDOSI Publications |
| recordtype | eprints |
| repository_type | Digital Repository |
| spelling | upm-308772015-09-11T03:10:31Z http://psasir.upm.edu.my/id/eprint/30877/ Repayment patterns, financial discipline and consumer profiling: an empirical investigation among credit card users in Malaysia Hussin, Siti Rahayu Kassim, Salina This study attempts to investigate the extent of financial discipline being observed by the credit card users in Malaysia and subsequently relate the financial discipline levels to the profile of the credit card users. To measure financial discipline, the study focuses on repayment preference of the card users, as to whether they would pay in the full amount of the outstanding balance, pay according to ability, or pay the minimum required amount. Descriptive analysis is used to describe the profile of the credit card users, while the relationship between the repayment preferences and credit card users’ profile is assessed empirically using Pearson correlation analysis and further substantiated by the chi-square analysis. The results of this study provide information on the segments of the credit card users that are susceptible to financial difficulties, which are of particular interests to the policymakers amid the increasing concerns of consumer indebtedness in this country. IDOSI Publications 2013 Article PeerReviewed application/pdf en http://psasir.upm.edu.my/id/eprint/30877/1/Repayment%20patterns.pdf Hussin, Siti Rahayu and Kassim, Salina (2013) Repayment patterns, financial discipline and consumer profiling: an empirical investigation among credit card users in Malaysia. World Applied Sciences Journal, 23 (Enhancing Emerging..). pp. 12-16. ISSN 1818-4952; ESSN: 1991-6426 http://www.idosi.org/wasj/wasj23(eemcge)/3.pdf |
| spellingShingle | Hussin, Siti Rahayu Kassim, Salina Repayment patterns, financial discipline and consumer profiling: an empirical investigation among credit card users in Malaysia |
| title | Repayment patterns, financial discipline and consumer profiling: an empirical investigation among credit card users in Malaysia |
| title_full | Repayment patterns, financial discipline and consumer profiling: an empirical investigation among credit card users in Malaysia |
| title_fullStr | Repayment patterns, financial discipline and consumer profiling: an empirical investigation among credit card users in Malaysia |
| title_full_unstemmed | Repayment patterns, financial discipline and consumer profiling: an empirical investigation among credit card users in Malaysia |
| title_short | Repayment patterns, financial discipline and consumer profiling: an empirical investigation among credit card users in Malaysia |
| title_sort | repayment patterns, financial discipline and consumer profiling: an empirical investigation among credit card users in malaysia |
| url | http://psasir.upm.edu.my/id/eprint/30877/ http://psasir.upm.edu.my/id/eprint/30877/ http://psasir.upm.edu.my/id/eprint/30877/1/Repayment%20patterns.pdf |