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All Journal Indonesian Journal of Forestry Research Jurnal Master Pariwisata (JUMPA) JURNAL PENGABDIAN KEPADA MASYARAKAT Jurnal Ilmiah Universitas Batanghari Jambi Journal of Economic, Bussines and Accounting (COSTING) J-MAS (Jurnal Manajemen dan Sains) Jambura Journal of Health Sciences and Research Journal of Humanities and Social Studies Jurnal Mantik Dinasti International Journal of Education Management and Social Science Community Engagement and Emergence Journal (CEEJ) Ilomata International Journal of Management Jurnal Ilmiah Manajemen Kesatuan Bubungan Tinggi: Jurnal Pengabdian Masyarakat Reswara: Jurnal Pengabdian Kepada Masyarakat Cendekia Niaga Ilomata International Journal of Management Quantitative Economics and Management Studies Ilomata International Journal of Social Science Studi Ilmu Manajemen dan Organisasi Jurnal Ekonomi Journal of Applied Management Research Jurnal Ilmu Multidisplin Journal of Management and Administration Provision Jurnal Indonesia Sosial Teknologi Jurnal Penelitian Kehutanan Wallacea Jurnal Kepariwisataan: Destinasi, Hospitalitas dan Perjalanan Indonesian Journal of Forestry Research Advances in Tourism Studies
Eddyono, Fauziah
Magister Manajemen Universitas Sahid, Jakarta
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Journal : Studi Ilmu Manajemen dan Organisasi

 1 
Faktor-Faktor yang Mempengaruhi Minat dan Penjualan Kartu Kredit BCA di PT. DIKA Kusumahdinata, Andrie Alexcandra; Levyda, Levyda; Eddyono, Fauziah
Studi Ilmu Manajemen dan Organisasi Vol. 6 No. 1 (2025): April
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/simo.v6i1.3445

Abstract

Purpose: The purpose of the thesis is to analyze the impact of the COVID-19 pandemic on credit card sales performance at PT Danamas Insan Kreasi Andalan (PT DIKA), with a focus on factors influencing customer behavior in credit card usage. It uses statistical methods to evaluate changes before and after the pandemic.Methodology/approach: The methodology in this study adopts a descriptive and quantitative approach, utilizing hypothesis testing. The data consists of both primary and secondary sources, with samples drawn from PT Danamas Insan Kreasi Andalan (PT DIKA) customers, specifically credit card holders.Results/findings: The research finds that consumer demand for credit cards decreased during the pandemic due to changes in financial behavior and income instability. However, income, credit limits, down payments, and low-interest rates continue to attract consumers. Credit cards remain relevant, especially for consumers with stable jobs and income.Conslusions: Factors such as income, limit, down payment and low interest are still the main attractions for consumers in deciding to have a credit card.Limitations: The limitations of the research include data constraints from the year 2023, and a reliance on surveys from active credit card users. Additionally, easier access to credit cards raises concerns about promoting a consumerist lifestyle that can lead to higher financial burdens.Contribution: This study provides an analysis using an econometric model based on a survey of users and non-users of credit cards for a specific corporation engaged in the credit card business. Additionally, the results offer a practical overview for further analysis in terms of financial and managerial aspects. Keywords: Banking Services, Credit Card, Economic Impact, Income Stability, SalesHow to Cite: Dinata, A, A, K., Levyda., Eddyono. (2025). Faktor-Faktor Yang Mempengaruhi Minat Untuk Memiliki Kartu Kredit Performance Hasil Penjualan Sales Kartu Kredit BCA di PT Danamas Insan Kreasi Andalan (PT DIKA). Studi Ilmu Manajemen dan Organisasi, 6(1), 1-20.
Co-Authors Afifatus Solehah, Artika Ali Selamat, Melani Andiwinata, Fauzi Aritonang, Reikman Avero, Marten Christanti, Dyah Constancya Talitha Meyrza Dewi A Kusumaningrum Dudung Darusman Dudung Darusman Dudung Darusman Dudung Darusman Edison C. Sembiring Ekaterina Setyawati, Ekaterina Emir Ferdian, Mohamat Favorita, Danti Hadiningsih, Shanty Harimurti, Itok Hariyadi B. Sukamdani Imam Nur Hakim Imam Nur Hakim, Imam Nur Islamey, Disa Isti Andira Rachmadiyah Latief Jamal Jamal Jamalullail Kusumahdinata, Andrie Alexcandra Lulus Sugiharto Malini, Lamtiar Hema Maulana, Irvan Nugroho B Nugroho B Sukamdani Nurdiansyah Nurdiansyah Oktapianty, Oky Dwi Putra, Mario Pradana Putri Ayu Lestari Rachman, Muhammad Arief Rusman, Ulung Saadah, Nailis Manan Satrio, Nugroho Budi Sukamdani, Hariyadi B Sukamdani, Hariyadi B. Suputra, I Dewa Ayu Mytha Logenta Yanti Syahfirin Abdullah Syahfirin Abdullah TATAN SUKWIKA Tumangger, Hasrioni Dosma Arih Tutut Sunarminto Ujang Sumarwan Ujang Sumarwan Ulfa, Haurani Yohanes Sulistyadi