Faktor-Faktor yang Mempengaruhi Minat dan Penjualan Kartu Kredit BCA di PT. DIKA

https://doi.org/10.35912/simo.v6i1.3445
Published: Mar 21, 2025

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, Sales
How 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.

Keywords:
1. Banking Services
2. Credit Card
3. Economic Impact
4. Income Stability
5. Sales Promotion
Authors:
1 . Andrie Alexcandra Kusumahdinata
2 . Levyda Levyda
3 . Fauziah Eddyono
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How to Cite
Kusumahdinata, A. A., Levyda, L., & Eddyono, F. (2025). Faktor-Faktor yang Mempengaruhi Minat dan Penjualan Kartu Kredit BCA di PT. DIKA. Studi Ilmu Manajemen Dan Organisasi, 6(1), 1–20. https://doi.org/10.35912/simo.v6i1.3445
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Vol. 6 No. 1 (2025): April
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    Normawati, R., Rahayu, S., & Worokinasih, S. (2021b). Financial Knowledge, Digital Financial Knowledge, Financial Attitude, Financial Behaviour and Financial Satisfaction on Millennials. https://doi.org/10.4108/eai.6-3-2021.2305967

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    Soekarno, S., Mambea, I. Y., Mardiyyah, M. M., & Setiawati, M. (2021). Determining key factors that affect millennial indonesians in using mobile financial services using rasch measurement scale. Malaysian Journal of Consumer and Family Economics, 27, 98–112.

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  2. Ardelia, N., & Leon, F. (2021a). Faktor–faktor yang mempengaruhi konsumen dalam menggunakan dan berhutang dengan kartu kredit di Jabodetabek. Jurnal Akuntansi, Keuangan, Dan Manajemen, 2, 83–101. https://doi.org/10.35912/jakman.v2i2.136
  3. Ardelia, N., & Leon, F. (2021b). Faktor–faktor yang mempengaruhi konsumen dalam menggunakan dan berhutang dengan kartu kredit di Jabodetabek. Jurnal Akuntansi, Keuangan, Dan Manajemen, 2, 83–101. https://doi.org/10.35912/jakman.v2i2.136
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  9. Czech, M., & Puszer, B. (2021). Impact of the COVID-19 Pandemic on the Consumer Credit Market in V4 Countries. Risks, 9(12), 229. https://doi.org/10.3390/risks9120229
  10. Deasy Emalia, Pratana Puspa Midiastuty, Eddy Suranta, R. I. (2020). Dampak dari auditor quality, financial stability, dan financial target terhadap fraudulent financial reporting (The impact of auditor quality, financial stability, and financial targets on fraudulent financial reporting). Studi Ilmu Manajemen Dan Organisasi, 1(1), 44–59. https://ojs.unida.ac.id/JAKD/article/view/4457/2770
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  14. Kamila, N., Dwita, F., Adhi, T. M., & Desliana, N. (2024). Dampak Rasio Kecukupan Modal dan Risiko terhadap Profitabilitas pada Bank Konvensional di Indonesia ( The Impact of Capital Adequacy Ratio and Risk on Profitability in Conventional Banks in Indonesia ). Studi Ilmu Manajemen Dan Organisasi, 5(2), 207–221.
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  24. Putra, Y. (2017). Theoritical Review?: Teori Perbedaan Generasi. Among Makarti, 9. https://doi.org/10.52353/ama.v9i2.142
  25. Sari, W. F., Saputra, D., Yasmin, Y., Belitung, U. B., & Belitung, B. (2024). Analisis Kinerja Keuangan Bank BUMN dan Bank Swasta Indonesia?: Studi Komparatif ( Financial Performance Analysis of State-Owned Banks and Private Banks in Indonesia?: A Comparative Study ). Studi Ilmu Manajemen Dan Organisasi, 5(2), 269–283.
  26. Soekarno, S., Mambea, I. Y., Mardiyyah, M. M., & Setiawati, M. (2021). Determining key factors that affect millennial indonesians in using mobile financial services using rasch measurement scale. Malaysian Journal of Consumer and Family Economics, 27, 98–112.
  27. Sugianto, D., Suwartono, C., & Sutanto, S. (2020a). Reliabilitas Dan Validitas Self-Compassion Scale Versi Bahasa Indonesia. 1228–2580. https://doi.org/10.24854/jpu02020-337
  28. Sugianto, D., Suwartono, C., & Sutanto, S. (2020b). Reliabilitas Dan Validitas Self-Compassion Scale Versi Bahasa Indonesia. 1228–2580. https://doi.org/10.24854/jpu02020-337
  29. Sumahir, G. N., Wahyudi, H., & Nirmala, T. (2022). Effect of Research and Development (R&D) Investment, E-Commerce Company Employee, and E-Commerce Transaction Volume on Economic Growth in Indonesia 2010Q1 – 2020Q4. Peradaban Journal of Economic and Business, 1(2), 9–18. https://doi.org/10.59001/pjeb.v1i2.9
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