{"title":"The Demographic and Behavior Determinant of Credit Card Default in Indonesia","authors":"Wahid Achsan, N. Achsani, B. Bandono","doi":"10.15408/sjie.v11i1.20215","DOIUrl":null,"url":null,"abstract":"The purpose of this paper is to analyze the demographic andbehavioral factors that significantly affect the credit card Non-Performing Loan (NPL). This study is carried out to providemanagerial recommendations for controlling credit card NPL. Thisstudy uses secondary data from Indonesia’s most significant privatebank with 100,000 samples of cardholder data. Demographicfactors and cardholder behavior that significantly influence creditcard NPL can be used to improve the credit scoring system fornew cardholders and as indicators for a behavior scoring system forexisting cardholders. This research uses a probability stratified randomsampling technique. Logistic regression uses demographic factors andcardholder behavior significantly affected credit card NPL. Accordingto the logistic regression model, cardholder behavior was more likelyto NPL than demographic characteristics. The number of credit cardsshowed the highest credit card NPL probability.How to Cite:Achsan, Wahid, Achsani, N. A, & Bandono, Bayu. (2022). The Demographic and Behavior Determinant of Credit Card Default in Indonesia. Signifikan: Jurnal Ilmu Ekonomi, 11(1), 43-56. https://doi.org/10.15408/sjie.v11i1.20215.","PeriodicalId":266329,"journal":{"name":"Signifikan: Jurnal Ilmu Ekonomi","volume":null,"pages":null},"PeriodicalIF":0.0000,"publicationDate":"2022-02-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"5","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"Signifikan: Jurnal Ilmu Ekonomi","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.15408/sjie.v11i1.20215","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
引用次数: 5
Abstract
The purpose of this paper is to analyze the demographic andbehavioral factors that significantly affect the credit card Non-Performing Loan (NPL). This study is carried out to providemanagerial recommendations for controlling credit card NPL. Thisstudy uses secondary data from Indonesia’s most significant privatebank with 100,000 samples of cardholder data. Demographicfactors and cardholder behavior that significantly influence creditcard NPL can be used to improve the credit scoring system fornew cardholders and as indicators for a behavior scoring system forexisting cardholders. This research uses a probability stratified randomsampling technique. Logistic regression uses demographic factors andcardholder behavior significantly affected credit card NPL. Accordingto the logistic regression model, cardholder behavior was more likelyto NPL than demographic characteristics. The number of credit cardsshowed the highest credit card NPL probability.How to Cite:Achsan, Wahid, Achsani, N. A, & Bandono, Bayu. (2022). The Demographic and Behavior Determinant of Credit Card Default in Indonesia. Signifikan: Jurnal Ilmu Ekonomi, 11(1), 43-56. https://doi.org/10.15408/sjie.v11i1.20215.
本文的目的是分析影响信用卡不良贷款(NPL)的人口因素和行为因素。本研究旨在为控制信用卡不良贷款提供管理建议。本研究使用了印度尼西亚最重要的私人银行的辅助数据,其中包含100,000个持卡人数据样本。影响信用卡不良贷款的人口因素和持卡人行为可用于改进新持卡人的信用评分系统,并作为现有持卡人行为评分系统的指标。本研究采用概率分层随机抽样技术。Logistic回归采用人口统计学因素和持卡人行为显著影响信用卡不良贷款。根据logistic回归模型,持卡人的行为比人口统计学特征更容易导致不良贷款。信用卡数量显示信用卡不良贷款的可能性最高。如何引用:Achsan, Wahid, Achsani, N. A, and Bandono, Bayu。(2022)。印度尼西亚信用卡违约的人口统计学和行为决定因素。意义[j] .经济研究,11(1),43-56。https://doi.org/10.15408/sjie.v11i1.20215。