FAKTOR-FAKTOR PSIKOLOGIS PERILAKU BERHUTANG PADA KARYAWAN BERPENGHASILAN TETAP

• Main Authors: , THEDA RENANITA, , Rahmat Hidayat, Ph.D.
• Format: Theses and Dissertations NonPeerReviewed
• Published: [Yogyakarta] : Universitas Gadjah Mada 2012
• Subjects: ETD
• Online Access: https://repository.ugm.ac.id/99565/; http://etd.ugm.ac.id/index.php?mod=penelitian_detail&sub=PenelitianDetail&act=view&typ=html&buku_id=56039
• Institution: Universitas Gadjah Mada

The purpose of the study is to explain the debt behavior through a model that can describe when and how and situations that may stimulate debt behavior to appear. The theory of planned behavior is used to review the debt behavior of people with fixed-income. Based on the theory by Ajzen there were three independent variables namely attitudes towards debt behavior, subjective norms, and perceived behavioral control. Those three factors predicted their effects towards debt behavior as the dependent variable with intention as the mediator variable. Path analysis is used to test both hypotheses. The first hypothesis examined the direct and indirect effect toward debt behavior, subjective norm, perceived behavioral control and behavioral intentions toward debt. The second hypothesis examined the effect of direct and indirect debt behavior, subjective norms and perceived behavioral intentions of debt. From the results of path analysis 182 subjects were influenced by the debt behavior of debt intentions, b=0,359, p=0,004 (p<0,05). Only subjective norm had a direct influence on the intentions of debt.