• ISSN: 2301-3567 (Print), 2972-3981 (Online)
    • Abbreviated Title: J. Econ. Bus. Manag.
    • Frequency: Quarterly
    • DOI: 10.18178/JOEBM
    • Editor-in-Chief: Prof. Eunjin Hwang
    • Executive Editor: Ms. Fiona Chu
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HOME > Archive > 2016 > Volume 4 Number 10 (Oct. 2016) >
JOEBM 2016 Vol.4(10): 599-605 ISSN: 2301-3567
DOI: 10.18178/joebm.2016.4.10.459

The Propensity of Young Consumers to Overspend on Credit Cards: Decomposition Effect in the Theory of Planned Behavior

Rizal E. Halim, Karto Adiwijaya, Jony Haryanto, and Firmanzah

Abstract— Using 111 respondents and survey conducted among a sample of young adult consumers (i.e., undergraduate and MBA students) in Universitas Indonesia, the study found that the decomposition effect of Theory of Planned Behavior play a significant role on the propensity of young consumer to overspend on credit cards. This study also built a more comprehensive model that can explain the determinants of the propensity of young individuals to overspend on their credit cards in more detail. The model constructed consists of three unidimensioanl belief constructs that affect the propensity of young individuals to overspend on their credit cards and the decomposition of each items. This finding is very important to provide a better understanding of young adults’ financial behaviors not only for business sector but also for future public policy making.

Index Terms— Overspending on credit cards, decomposition of theory of planned behavior, young consumers behavior.

The authors are with the Faculty of Economics and Business, Universitas Indonesia, Indonesia (e-mail: rizaledy@gmail.com).

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Cite: Rizal E. Halim, Karto Adiwijaya, Jony Haryanto, and Firmanzah, " The Propensity of Young Consumers to Overspend on Credit Cards: Decomposition Effect in the Theory of Planned Behavior," Journal of Economics, Business and Management vol. 4, no. 10, pp. 599-605, 2016.

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