Bram Hadianto|Herlina Herlina|Ana Mariana|Rully Arlan Tjahyadi|Lauw Tjun Tjun
Financial literacy, self-control, self-esteem, and credit card utilization
Maranatha Christian University|Maranatha Christian University|Maranatha Christian University|Maranatha Christian University|Maranatha Christian University
study combines one personal financial management concept moneyrelated literacy psychological ideas ie selfcontrol selfesteem one model statistically associated credit card behavior utilizing gender control variable therefore study investigates analyses effect financial literacy selfcontrol selfesteem credit card usage furthermore study employs 120 bank employees samples taken snowball sampling technique besides study surveys perspective based closeended questions questionnaire obtaining responses validity reliability verified also goodnessoffit model detected model fits data structural equation model based covariance utilized examine causal relationship declared proposed hypotheses checking study concludes financial literacy selfcontrol selfesteem successfully create credit card utilization employees strong financial literacy selfcontrol selfesteem responsible owning credit cards tend use less pay bills time females positive propensity credit card utilization achieve identity emotional status implication study recommends females instantly convert transactions installments pay bill maximum minimum ranges avoid decrease credit scores besides internal external marketing needed attract female employees working similar banks banks cannot issue credit cards