The Effect of Perceived Value and Social-psychology on Shopping Decisions using Credit Card

Abstract

Credit card users in Indonesia have continued to rapidly increase. This raises a variety of social problems, because credit card users can have a psychological influence on the people around them. Intention to do or not to do a certain behaviour is influenced by three things, which are attitude, subjective norms, and behavioural control. Behavioural control has a positive effect on non-compliance behaviour. In addition, the perceived value of a credit card is also an important factor in determining the intention to use a credit card. The purpose of this research is to determine the effect of perceived value and social-psychology on shopping decisions based on the intention of using a credit card. The research method employed is
quantitative research, the data collection techniques is in the form of questionnaires, and the analysis method used is descriptive and verification analysis using a Structural Equation Modeling (SEM) model based on variants or components, which is PLS (Partial Least Square). The results showed that perceived value and social psychology variables had a positive and significant effect on the intention to use a credit card with coefficient values of 0.25 and 0.23 respectively. While the influence of the intention to use a credit card on the shopping behaviour using a credit card showed 0.09 coefficients, meaning that the intention to use a credit card had a positive and significant influence on the shopping decision behaviour in using a credit card.