Perception of KWSP employees on the factors that influence over limit credit card uses: case study in KWSP Ayer Keroh, Melaka

This research is about a perception of KWSP employees on the factors that influence over limit credit card uses, the study are being based in KWSP Ayer Keroh, Melaka. The factors such as economic, financial, self-attribution, life style and knowledge are being identified in order to make a investigated whether or not these factor have significantly and influenced the over limit credit card uses. This research was conducted in KWSP Ayer Keroh, Melaka, where the sample size is 101 employees of KWSP Ayer Keroh, Melaka. 101 questionnaires were distributed and only 58 questionnaires were returned. To obtained data, researchers were used two methods that are primary and secondary data. Data analyzed using reliability test, Pearson correlation analysis, Frequency analysis and Regression analysis. The result show, two out of five of the element from independent variable which is financial factor and life style factor have a significant relationship with over limit credit card uses. Mean while the other three factors are not significantly, there are knowledge factors, self-attribution factor and economic factor.