Faktor-faktor Psikologis Perilaku Berhutang pada Karyawan Berpenghasilan Tetap

Abstract

The purpose of this study is to understand the debt behavior based on internal factors, social factor and functional factors in the environment. Theory of planned behavior is used as theoritical base. The study was conducted to test the hypothesis that opinions toward debt behavior, subjective norms, and perceived behavioral control influence directly and / or indirectly to the debt behavior, where the intention act as a mediator between the exogenous variables to the dependent variable. Subjects of the study were 182 civil servants at City Government of Yogyakarta who participated voluntarily. Path analysis showed that debt behavior is influenced by debt intention with value of b=0.359, p=0.004 (p<0.05). From the three exogenous variables, it is found that only subjective norm has a direct influence to the debt intentions with value of b=0.014, p=0.007 (p<0.05), and none of the three variables directly influence the debt behavior. This finding can be interpreted from the point of view that the debt behavior of people with fixed-income like the research subject is not a volutional behavior. Socio-cultural background that filled with collectivistic-culture is presumed as the base influence of subjective norms towards the debt behavior