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Do Education Sector Credit Cards Differ with Other Credit Cards in Malaysia?

Author

Listed:
  • Alam, Md. Mahmudul

    (Universiti Utara Malaysia)

  • Ibrahim, Yusnidah Bt
  • Sriyana, Jaka

Abstract

Purpose: The credit card market is very large and segmented by targeting different types of consumers. One type of credit card is one that specifically targets people in the education sector, for instance students, teachers and other staff members. This study aims to compare the features of education and other credit cards in Malaysia. Design/methodology/approach: The study analyzes data concerning 234 credit cards by using descriptive statistics and one-way analysis of variance (ANOVA) test. Findings: Out of 234 credit cards, this study found only two credit cards especially target education sector customers. The study evaluated thirteen features of these credit cards and found that only two features are statistically significantly different from other conventional credit cards in Malaysia. These features are interest rate and cash withdrawal charge fees. Originality/value: This is an original study based on compilation of data from secondary sources. The findings will provide valuable insights to financial regulatory policy-makers, academics, and business managers.

Suggested Citation

  • Alam, Md. Mahmudul & Ibrahim, Yusnidah Bt & Sriyana, Jaka, 2022. "Do Education Sector Credit Cards Differ with Other Credit Cards in Malaysia?," OSF Preprints h9b7c_v1, Center for Open Science.
    • Handle: RePEc:osf:osfxxx:h9b7c_v1
    DOI: 10.31219/osf.io/h9b7c_v1
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    References listed on IDEAS

    as
    1. Gary S. Becker, 1994. "Introduction to the First Edition of Human Capital: A Theoretical and Empirical Analysis with Special Reference to Education," NBER Chapters, in: Human Capital: A Theoretical and Empirical Analysis with Special Reference to Education, Third Edition, pages 11-14, National Bureau of Economic Research, Inc.
    2. Shweta Singh & David H. Rylander & Tina C. Mims, 2016. "College students and credit card companies: Implications of attitudes," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 21(3), pages 182-193, September.
    3. Gary S. Becker, 1994. "Introduction to the Second Edition of Human Capital: A Theoretical and Empirical Analysis with Special Reference to Education," NBER Chapters, in: Human Capital: A Theoretical and Empirical Analysis with Special Reference to Education, Third Edition, pages 3-10, National Bureau of Economic Research, Inc.
    4. Loke Yiing Jia, 2007. "Determinants of Merchant Participation in Credit Card Payment Schemes," Review of Network Economics, De Gruyter, vol. 6(4), pages 1-21, December.
    5. Gary S. Becker, 1975. "Summary and Conclusions, Human Capital: A Theoretical and Empirical Analysis, with Special Reference to Education, Second Edition," NBER Chapters, in: Human Capital: A Theoretical and Empirical Analysis, with Special Reference to Education, Second Edition, pages 231-237, National Bureau of Economic Research, Inc.
    6. Gary S. Becker, 1975. "Human Capital: A Theoretical and Empirical Analysis, with Special Reference to Education, Second Edition," NBER Books, National Bureau of Economic Research, Inc, number beck75-1, February.
    7. Shweta Singh & David H. Rylander & Tina C. Mims, 2018. "Understanding credit card payment behavior among college students," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 23(1), pages 38-49, March.
    8. Gary S. Becker, 1975. "Appendix A: Sources and Methods, Human Capital: A Theoretical and Empirical Analysis, with Special Reference to Education, Second Edition," NBER Chapters, in: Human Capital: A Theoretical and Empirical Analysis, with Special Reference to Education, Second Edition, pages 238-256, National Bureau of Economic Research, Inc.
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