<> "The repository administrator has not yet configured an RDF license."^^ . <> . . . "Credit Card Practices, Attitudes, Problems And Risks Among Individuals: Empirical Findings Using Structural Equation Model"^^ . "Credit card unhealthy practices have been a world-wide challenge in the global business\r\nenvironment for years. The effect of default hits not only the victim, but also the banks, credit\r\ncard companies and merchants. The objective of this paper is to examine the relationship\r\namongst practices, attitudes, problems and risks related to credit card usage. A literature review\r\non prior studies has indicated that there is a methodological gap to be filled in this area. Novelty\r\nis achieved by the usage of partial least square (PLS) model in answering the hypotheses.\r\nMultilevel method analysis using PLS allows for efficiency, convergence and power when\r\ninvestigating the causal effects in the two-level data, ensuring that the support for hypothesis is\r\nmuch more acceptable. Out of the 150 total survey questionnaires distributed, 114 were returned\r\nand used. Face to face data collection method was employed to enhance the response rate. Prior\r\nto collecting the data, the content of the survey questionnaire was reviewed by a content expert\r\nto enhance the understandability of the instrument. Mean analysis was performed to describe the\r\nprofile of respondents. Mann Whitney test reports (p = 0.71) indicated that bias did not exist in\r\nthis study, whereas Kolmogorov-Smirnov test in this paper showed (p > 0.05) proving normality\r\nin the data distribution. Convergent validity (average variance extracted > 0.50; composite\r\nreliability > 0.80) was also reported prior to presenting the final model. There is a relationship\r\nbetween problem, reason and risks related to credit card usage (p < 0.01). Missing bill payment\r\ndue dates and paying the debts late could lead to many risks to the users. Poor financing habits\r\ncan jeopardise relationships and can lead people to spend more than what is necessary.\r\nHowever, the relationship between the reason of using credit cards and the risk related to it is\r\nnot significant (p = 0.13). Future researchers are suggested to include moderating and\r\nmediating factors in the structural equation model to narrow down the methodological gap\r\navailable in this area. [ABSTRACT BY AUTHORS]"^^ . "2015" . "1" . "1" . . "Open University Malaysia (OUM)"^^ . . . "OUM International Journal of Business and Management"^^ . . . "2462134X" . . . . . . . . . . . . . . . . . . . ""^^ . "Noral Hidayah Alwi"^^ . " Noral Hidayah Alwi"^^ . . ""^^ . "Loo Sin Chun"^^ . " Loo Sin Chun"^^ . . ""^^ . "Liana Mohamad"^^ . " Liana Mohamad"^^ . . ""^^ . "Ratna Khuzaimah Mohamad"^^ . " Ratna Khuzaimah Mohamad"^^ . . ""^^ . "Mohamad Afzhan Khan Mohamad Khalil"^^ . " Mohamad Afzhan Khan Mohamad Khalil"^^ . . "Open University Malaysia (OUM)"^^ . . . . . . "HTML Summary of #1063 \n\nCredit Card Practices, Attitudes, Problems And Risks Among Individuals: Empirical Findings Using Structural Equation Model\n\n" . "text/html" . . . "HB Economic Theory"@en . . . "HC Economic History and Conditions"@en . .