Shopping Motives, Financial Literacy, and Credit Card Utilization Among College Students

摘要

This study aims to determine whether there is a significant influence between shopping motives and financial literacy toward credit card utilization among college students. The research method used is a quantitative method through the distribution of questionnaires to college students in Surabaya who have a credit card and have conducted transactions, the results of the questionnaire are then processed using smart pls. The results of the research stated that shopping motive and financial literacy have a significant effect on the use of credit cards among college students.