This is an outdated version published on 2024-07-27. Read the most recent version.

What role do credit cards play in impulse buying?

Authors

  • Herna Rizaldi Universitas Muhammadiyah Pekajangan Pekalongan
  • Muhammad Arifiyanto Universitas Muhammadiyah Pekajangan Pekalongan
  • Nur Laili Hidayah Universitas Muhammadiyah Pekajangan Pekalongan

Keywords:

Credit card, impulse buying, hedonic motivation, promotion;, payment

Abstract

This research aims to determine the mediating role of credit card use on the relationship between hedonic motivation and promotional programs on the impulse purchases of online and offline store consumers. This quantitative research was conducted in Pekalongan, Central Java, Indonesia, with a total of 92 credit card user respondents collected using purposive random sampling. The data was processed using Partial Least Square, the results that hedonic motivation has no effect on impulsive buying, promotional programs has a positive and significant effect on impulsive buying, hedonic motivation and promotional programs has a positive and significant effect on credit card use, credit card use has a positive and significant effect on impulsive buying , credit card use has a full mediating role in the relationship between hedonic motivation and impulsive buying and partial mediation in the relationship between promotional programs and impulsive buying. 

References

Akbar, A., Wahab, Z., Widad, A., & Syamsurijal, A. K. (2019). Analisis Pengaruh Promosi Penjualan Dan Periklanan Terhadap Pemakaian Kartu Kredit Bank Mandiri Di Kota Palembang. Jurnal Manajemen Dan Bisnis Sriwijaya, 17(1), 17-30.

Alexander, J., & Kristiani, L.S. (2009). Pengaruh promosi penjualan dengan menggunakan kartu kredit melalui analisis perceived value dan kepuasan konsumen di restoran-restoran di Surabaya.

Amstrong, Gary & Philip, Kotler. (2012). Dasar-Dasar Pemasaran. Jilid I, Alih Bahasa Alexander Sindoro dan Benyamin Molan. Jakarta: Penerbit Prenhalindo.

Asosiasi Kartu Kredit Indonesia (AKI) https://www.akki.or.id/index.php/credit-card-growth accessed on 25 September 2023

Baron, R. M., & Kenny, D. A. (1986). “The moderator–mediator variable distinction in social psychological research: Conceptual, strategic, and statistical considerations.” Journal of personality and social psychology, 51(6), 1173.

Belch, George E. & Michael A. Belch. (2015). Advertising and Promotion: An Integrated Marketing Communications Perspective. 10th edition. Boston: McGraw-Hill Irwin.

Canner, G. B., Luckett, C. A., Cook, W. C., & Peirce, M. A. (1992). Developments in the pricing of credit card services. Fed. Res. Bull., 78, 652.

Cantikasari, Y., & Basiya, R. (2022). Pengaruh motivasi hedonis, materialisme, dan shopping lifestyle terhadap pembelian impulsif. E-Mabis: Jurnal Ekonomi Manajemen dan Bisnis.

Cinjarevic, M., Tatic, K., & Petric, S. (2011). See it, like it, buy it! Hedonic shopping motivations and impulse buying. Economic Review: Journal of Economics and Business, 9(1), 3-15.

Daulay, R. (2022). Analysis Of The Effect Of Shopaholic Behavior And Promotion On Impulse Buying Through E-Commerce On Students In Medan. International Journal of Educational Review, Law And Social Sciences (IJERLAS), 2(2), 239-244.

Dewi, N.M., & Aksari, N.M. (2019). Pengaruh gaya hidup, perceived benefit, dan perceived risk terhadap niat menggunakan kartu kredit di indonesia. E-Jurnal Manajemen Universitas Udayana.

Dewi, S. K. (2020). Analisis Faktor-Faktor Yang Memengaruhi Minat Penggunaan Fitur Pay Later Pada Aplikasi Traveloka(Doctoral dissertation, Universitas Islam Indonesia).

Dey, D. K., & Srivastava, A. (2017). Impulse buying intentions of young consumers from a hedonic shopping perspective. Journal of Indian Business Research, 9(4), 266-282.

Fernanda, M. (2019). Pengaruh Promosi Penjualan, Daya Tarik Iklan Internet, Dan Kualitas Website Terhadap Pembelian Impulsif. Jurnal Manajemen Bisnis Dan Kewirausahaan, 3(5), 07-12.

Gültekin, B. (2012). The influence of hedonic motives and browsing on impulse buying. Journal of Economics and Behavioral Studies, 4(3), 180-189.

Graa, A., Dani-Elkebir, M., & Bensaid, M. (2014). The impact of environmental factors on impulse buying behavior using the Mehrabian and Russell’s framework. Leonardo Journal of Sciences, 13(24), 101-114.

Hair, J, J, F,. Hult, G, T, M,. Ringle, C, M,. & Sarstedt, M. (2010). A Primer On Partial Least Squares Structural Equation Modeling (PLS-SEM). United States Of America : Sage Publications Ltd.

Hajjat, F. M. (2021). Using marketing for good: An experiential project on cause-related marketing in a principles course. Journal of Education for Business, 96(7), 461-467.

Hirschman, E. C.& Holbrook, M. B. (1982). Hedonic Consumption: Emerging Concepts, Methods and Propositions. Journal of Marketing, 46, 92-101.

Hosseini, S. H., Zadeh, F. H., Shafiee, M. M., & Hajipour, E. (2020). The effect of price promotions on impulse buying: the mediating role of service innovation in fast moving consumer goods. International journal of business information systems, 33(3), 320-336.

Koulayev, S., Rysman, M., Schuh, S., & Stavins, J. (2016). Explaining adoption and use of payment instruments by US consumers. The RAND Journal of Economics, 47(2), 293-325.

Linuwih, H. (2022). Analisis Faktor-Faktor yang Mempengaruhi Penggunaan Paylater (Doctoral dissertation, Universitas Islam Indonesia).

Mamuaya, N. C. I., & Pandowo, A. (2018). The effect of the situational factor, store atmosphere, and sales promotion on hedonic shopping motivation and its implication on supermarket consumer impulsive buying in Manado city. Journal of Business and Retail Management Research, 13(2).

Mowen, John C. & Michael Minor. (2002). Perilaku Konsumen. Alih Bahasa: Dwi Kartini Yahya. Jilid2. Jakarta: Penerbit Erlangga.

Mulyana, A. E., & NI, A. P. (2020). Pengaruh Promosi, Atmosfer Toko, Dan Motivasi Belanja Hedonis Terhadap Pembelian Impulsif Konsumen Ritel Modern Di Kota Batam. Journal of Applied Business Administration, 4(1), 18-22.

Muruganantham, G., & Bhakat, R. S. (2013). A review of impulse buying behavior. International journal of marketing studies, 5(3), 149.

Park, H. J., & Burns, L. D. (2005). Fashion orientation, credit card use, and compulsive buying. Journal of Consumer Marketing, 22(3), 135-141.

Pratminingsih, S. A., Hayati, N., Sukandi, P., Rahmayanti, R., Drajat Aji Sujai, R. A., & Akbar, Y. K. (2021). The Influence Of Lifestyle, Hedonic Motivation, And Sales Promotion On Impulse Buying. Review of International Geographical Education Online, 11(6).

Purnamawati, N.S., & Panjawa, J.L. (2021). Dampak e-money dan dimensi transaksi terhadap permintaan uang di indonesia. Eqien: Jurnal Ekonomi dan Bisnis.

Putra, A. N. B. M., & Kusuma, A. A. A. (2015). Pengaruh kecanduan internet, daya tarik promosi dan kepemilikan kartu kredit terhadap perilaku pembelian impulsif online (Doctoral dissertation, Udayana University).

Putra, M. S., & Santika, I. W. (2018). Pengaruh gender, daya tarik promosi, kepemilikan kartu kredit terhadap perilaku pembelian impulsif online produk lifestyle (Doctoral dissertation, Udayana University).

Putra, M. S., & Santika, I. W. (2018). Pengaruh Gender, Daya Tarik Promosi, Kepemilikan Kartu Kredit Terhadap Perilaku Pembelian Impulsif Online Produk Lifestyle (Doctoral dissertation, Udayana University).

Risti, A. P. E., & Usman, M. N. (2017). Pengaruh promosi penjualan, citra merek, dan nilai yang dirasakan dengan variabel intervening WOM terhadap keputusan penggunaan kartu kredit. Journal of Business & Banking, 6(1), 99-112.

Sari, N. Y., & Hermawati, S. (2020). The effect of shopping lifestyle, hedonic shopping motivation, and sales promotion on impulse buying behavior in e-commerce (case study of berrybenka consumer). Jurnal Ilmiah Ekonomi Bisnis, 25(1), 45-54.

Sasikarani, M., Andrian, T., & Ciptawaty, U. (2022). Pengaruh Kartu Kredit, Dana Float dan Suku Bunga Kebijakan Terhadap Velocity Of Money Di Indonesia. E-journal Field of Economics, Business and Entrepreneurship.

Vishnu, P., & Raheem, A. R. (2013). Factors influencing impulse buying behavior. European Journal of Scientific Research, 100(3), 67-79.

Zigari, M. B. M., Malik, A. J., Fadla, V. M., Sulaikah, H., & Safitri, W. A. (2023). Analisis Faktor-Faktor Yang Mempengaruhi Keputusan Pembelian Menggunakan Paylater Pada Mahasiswa Di Kota Makassar. Jurnal Ilmiah Manajemen dan Bisnis (JIMBI), 4(2), 171-182.

Downloads

Published

2024-07-27

Versions

How to Cite

Rizaldi, H. ., Arifiyanto, M. ., & Hidayah, N. L. . (2024). What role do credit cards play in impulse buying?. Economics and Business International Conference Proceeding, 1(2), 1144–1156. Retrieved from http://429005.jxltd.asia/index.php/EBiC/article/view/526