Sunanda
Postgraduate Masters in Management, Mercubuana University, UMB, Jakarta, Indonesia
Dr Mirza
Postgraduate Masters in Management, Mercubuana University, UMB, Jakarta, Indonesia
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http://doi.org/10.37648/ijrst.v10i02.001
Credit cards are a great demand by urban communities, especially in the DKI Jakarta area. Because credit cards have considerable benefits in terms of prospective debtors. The problem of this study originates from Bank Mega market share, which is in the sixth position, the number of Bank Mega credit card users from 2012 to 2018 which is volatile and does not achieve the target of acquiring new customers for credit card users in the January to October 2019 period. This research is to find outinfluence factors of someone's interest to use a credit card. The data collection process carried out by distributing questionnaires to 240 credit card users outside of Bank Mega in Greater Jakarta. The questionnaire results analyzed and processed using SPSS 25.0. The analysis results show that motivation variable has the greatest influence on interest in using a credit card, while the effect size is 33.7%, followed by personal selling variables which have an influence on interest in using a credit card by 11.4%, promotion variable has an influence on interest use a credit card of 10.1%, but for lifestyle variables do not have a significant effect on interest in using a credit card because it only has an influence of 1.3%.
Keywords: motivation; personal selling; interests; credit cards
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