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  1. Yangon University of Economics
  1. Yangon University of Economics
  2. Master of Banking and Finance (MBF/EMBF)

SPENDING BEHAVIOR OF CREDIT CARDHOLDERS IN UNITED AMARA BANK LIMITED (Pyae Moe Kyaw, 2019)

http://hdl.handle.net/20.500.12678/0000001057
http://hdl.handle.net/20.500.12678/0000001057
e625ef52-ff01-407d-a987-0ba582928251
f1b753c7-5f2e-4961-bb8b-7e8df1dad65d
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Title
Title SPENDING BEHAVIOR OF CREDIT CARDHOLDERS IN UNITED AMARA BANK LIMITED (Pyae Moe Kyaw, 2019)
Language en
Publication date 2019-12-01
Authors
Pyae Moe Kyaw
Description
This study focused on Spending Behavior of Credit Cardholders in United Amara Bank Limited (UAB). The objectives of the study are to identify the UAB bank’s credit card policies and to explore factors influencing on credit card spending behavior to satisfy basic needs. Food, clothes, shelter, education and healthcare were defined as basic need of human in this study. To achieve those two objectives, both primary data and secondary data were applied in analysis. Structured questionnaires were used to collect as primary data. The analysis based on sample size of 200 Credit Cardholders who are residing in Central Business District (downtown 6 townships, Yangon). Descriptive research method was applied on the study and regression analysis were used in this study. According to the analysis result, food, clothing and Healthcare are the most favorable spending category for Credit Card holders of UAB Bank. Credit Card application Policy, Minimum Qualification Policy, Repayment Policy under bank policy variable and Awareness about total debt own under Psychological factors are strongest influencing factor on spending behavior of Credit Cardholders Therefore, UAB bank should review Bank Credit Card policy and plan the strategy to maintain eco-system for Credit card spending behavior. UAB bank should focus on creating the program how to improve Credit Cardholder’s Awareness about total debt own and also should plan to review the Credit Card application Policy, Minimum Qualification Policy, Repayment Policy and modified in order to support Cardholder spending behavior positively.
Journal articles
Yangon University of Economics
Thesis/dissertations
Yangon University of Economics
Dr. Aye Thu Htun
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