TY  - THES
N1  - Promotor: Prof. Drs. Hadri Kusuma, MBA., Ph.D dan Prof. Dr. Syafiq Mahmada Hanafi, M.Ag
ID  - digilib61350
UR  - https://digilib.uin-suka.ac.id/id/eprint/61350/
A1  - Moch Nurhidayat, NIM.: 1630316005
Y1  - 2023/06/13/
N2  - This study aims to empirically analyze the effect of the
locus of control variable on debt behavior and debt repayment. In
addition, this study also includes religiosity as a moderating
variable between locus of control on debt behavior and consumer
credit payment during the Covid-19 epidemic. This study is
quantitative research, namely by conducting direct research on 155
respondents, then analyzed using the statistical tool STATA version
14. The source of data in this study is primary data, namely through
surveys of respondents to obtain information in the form of
respondents opinions on management behavior debt during the
Covid-19 pandemic, the objects in this study were Muslim
respondents who had debt in financial institutions, both
sharia/conventional banking and non-banking. The results showed
that locus of control moderated by religiosity had a significant
effect in a negative direction on debt behavior so that the higher the
locus of control moderated by religiosity, the lower the intensity of
debt during the Covid-19 pandemic, and the locus of control
moderated by religiosity has a significant influence in a positive
direction on debt repayment behavior, where individuals who have
an increased locus of control moderated by religiosity will
increasingly understand and carry out religious orders, namely by
hastening to pay off debts so that they do not become a burden in
their lives. These findings indicate that the concept of locus of
control can be used as an individual psychological factor to
determine attitudes in making decisions on debt behavior and
paying off debt, where individuals who have an increasing locus of
control moderated by high religiosity, these individuals have a high
level of self-control and good at managing their finances.
PB  - UIN SUNAN KALIJAGA YOGYAKARTA
KW  - Locus of control
KW  -  Religusitas
KW  -  Perilaku Berutang
KW  - 
Perilaku Pembayaran Utang
M1  - doctoral
TI  - PERAN LOCUS OF CONTROL DALAM PERILAKU BERUTANG DAN PEMBAYARAN UTANG KONSUMEN KREDIT PADA MASA PANDEMI COVID-19
AV  - restricted
EP  - 226
ER  -