PENGARUH PERSEPSI RESIKO, PERSEPSI KEBERMANFAATAN DAN GAYA HIDUP YANG DIANUT TERHADAP PERILAKU PENGGUNAAN KARTU KREDIT

Abstract

This research aims to know influence of perceived risk, perceived benefit and life style on
behavior of using credir card by card holders. This object for this research is in Mercu
Buana University, especially for lecturers on Faculty of Economic and Business.The
sampling technique used purposive sampling and type of causal research method.
Hypothesis testing using Partial Least Square (PLS) with the both of method Cronbach’s
Alpha and Composite Realiability. The result of this research show that perceived risk
variable gives significant influence towards the behavior of using the credit card,
Therefore, the early assumption is accepted. In the other way, perceived benefit dan life
style has not influence toward the behavior of using credit card. So,There are two
independent variable does not support the hyphotesis and one independent variable
support the hypothesis.