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This study used convenience sampling and was conducted where data was obtained from card center staffs. Both of primary data and secondary data are collected. Primary data are collected from card operations bank staff by using structured questionnaires. Secondary data are obtained from previous studies, reports, related books, journals, literature review, and internet websites. A sample of 120 bank staffs who used credit card is selected from among 328 staff of card operations department of MAB bank. This study observes factors influencing the usage of credit card such as personal financial knowledge on credit card, attitude towards credit card usage, easy access to credit, aggressive promotion by credit card provider and minimum payment requirement on the usage of credit card. The study used both descriptive and analytical methods. The finding revealed that the results of regression analysis, easy access to credit, and minimum payment requirement attitude have a positive and significant influence on credit card usage. Aggressive promotion by credit card provider has a negative and significant influence on credit card usage. According to the results, attitude towards credit card usage and personal financial knowledge on credit card do not have significant influence on the usage of credit card. According to the results of the statements of attitude towards credit card usage and personal financial knowledge on credit card, it was found that respondents were fairly agreed on over limit fees and also fairly agreed on do not care on deferred payment. It means that bank needs to educate to its customer for improvement of their product and usage knowledge on credit card. This study suggested that the bank should improve on defined policy to efficient and effective credit approval criteria of credit policy and the bank should control aggressive promotional programs. This study may assist to set efficient and effective credit approval criteria of credit policy for credit card lending product."}]}, "item_1583103120197": {"attribute_name": "Files", "attribute_type": "file", "attribute_value_mlt": [{"accessrole": "open_access", "date": [{"dateType": "Available", "dateValue": "2020-05-05"}], "displaytype": "preview", "download_preview_message": "", "file_order": 0, "filename": "Aung Htet Paing (EMBF - 3).pdf", "filesize": [{"value": "775 Kb"}], "format": "application/pdf", "future_date_message": "", "is_thumbnail": false, "licensetype": "license_0", "mimetype": "application/pdf", "size": 775000.0, "url": {"url": "https://meral.edu.mm/record/1245/files/Aung Htet Paing (EMBF - 3).pdf"}, "version_id": "7cd5d584-2e5e-4c9a-966e-6fa9b4e6bebd"}]}, "item_1583103131163": {"attribute_name": "Journal articles", "attribute_value_mlt": [{"subitem_journal_title": "Yangon University of Economics"}]}, "item_1583103233624": {"attribute_name": "Thesis/dissertations", "attribute_value_mlt": [{"subitem_awarding_university": "Yangon University of Economics", "subitem_supervisor(s)": [{"subitem_supervisor": "Prof. Dr. Aye  Thu Htun"}]}]}, "item_1583105942107": {"attribute_name": "Authors", "attribute_value_mlt": [{"subitem_authors": [{"subitem_authors_fullname": "Aung Htet Paing (EMBF - 3)"}]}]}, "item_1583108359239": {"attribute_name": "Upload type", "attribute_value_mlt": [{"interim": "Other"}]}, "item_1583108428133": {"attribute_name": "Publication type", "attribute_value_mlt": [{"interim": "Thesis"}]}, "item_1583159729339": {"attribute_name": "Publication date", "attribute_value": "2019-12-02"}, "item_title": "FACTORS INFLUENCING THE USAGE OF CREDIT CARD OF MAB BANK STAFF (Aung Htet Paing, 2019)", "item_type_id": "21", "owner": "1", "path": ["1582963436320", "1582965701379"], "permalink_uri": "http://hdl.handle.net/20.500.12678/0000001245", "pubdate": {"attribute_name": "Deposit date", "attribute_value": "2020-03-05"}, "publish_date": "2020-03-05", "publish_status": "0", "recid": "1245", "relation": {}, "relation_version_is_last": true, "title": ["FACTORS INFLUENCING THE USAGE OF CREDIT CARD OF MAB BANK STAFF (Aung Htet Paing, 2019)"], "weko_shared_id": -1}

FACTORS INFLUENCING THE USAGE OF CREDIT CARD OF MAB BANK STAFF (Aung Htet Paing, 2019)

http://hdl.handle.net/20.500.12678/0000001245
b3cdbdf6-0958-4f76-bfa2-f256998ad28c
c7d30e38-78b0-4a2b-a6b1-0b0f0ac0ef00
None
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Aung Aung Htet Paing (EMBF - 3).pdf (775 Kb)
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Thesis
Upload type
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Title
Title FACTORS INFLUENCING THE USAGE OF CREDIT CARD OF MAB BANK STAFF (Aung Htet Paing, 2019)
Language en
Publication date 2019-12-02
Authors
Aung Htet Paing (EMBF - 3)
Description
The study aims to analyze factors influencing the usage of credit card of MAB bank staff. The objectives of the study are to identify the credit card policy and procedure and to analyze the factors influencing the usage of credit card of bank staff. This study used convenience sampling and was conducted where data was obtained from card center staffs. Both of primary data and secondary data are collected. Primary data are collected from card operations bank staff by using structured questionnaires. Secondary data are obtained from previous studies, reports, related books, journals, literature review, and internet websites. A sample of 120 bank staffs who used credit card is selected from among 328 staff of card operations department of MAB bank. This study observes factors influencing the usage of credit card such as personal financial knowledge on credit card, attitude towards credit card usage, easy access to credit, aggressive promotion by credit card provider and minimum payment requirement on the usage of credit card. The study used both descriptive and analytical methods. The finding revealed that the results of regression analysis, easy access to credit, and minimum payment requirement attitude have a positive and significant influence on credit card usage. Aggressive promotion by credit card provider has a negative and significant influence on credit card usage. According to the results, attitude towards credit card usage and personal financial knowledge on credit card do not have significant influence on the usage of credit card. According to the results of the statements of attitude towards credit card usage and personal financial knowledge on credit card, it was found that respondents were fairly agreed on over limit fees and also fairly agreed on do not care on deferred payment. It means that bank needs to educate to its customer for improvement of their product and usage knowledge on credit card. This study suggested that the bank should improve on defined policy to efficient and effective credit approval criteria of credit policy and the bank should control aggressive promotional programs. This study may assist to set efficient and effective credit approval criteria of credit policy for credit card lending product.
Journal articles
Yangon University of Economics
Thesis/dissertations
Yangon University of Economics
Prof. Dr. Aye Thu Htun
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