ANALISIS PENGARUH BELANJA ONLINE TERHADAP KREDIT BERLEBIHAN

Abstract

Credit is seen as an alternative source of income. Misperceptions of income coupled with easy internet access can result in more compulsive online shopping, thereby contributing to higher credit. This will result in financial difficulties that lead to excessive credit. As a result, excessive credit is seen as a problem. This study aims to test whether online shopping significantly affects excessive credit. This study uses data from the 2019 National Socioeconomic Survey (SUSENAS) in Indonesia and the probit regression analysis method. The results showed that when households with internet access did online shopping, the chance of having excessive credit increased significantly by 3.17% compared to those who did not shop online. This result is statistically significant at the 1% level. As well as individual characteristics, the results show that with online shopping, male households, productive age households, married households