Analisis Faktor-Faktor Yang Mempengaruhi Perilaku Utang Rumah Tangga (Sebuah Kajian Literatur)

This study aims to identify, reveal factors, dimensions or indicators while analyzing the causes of households entering debt using the literature method or study described descriptively and associated with real conditions in the household, where the phenomenon of household debt behavior to partially finance from its consumption continues this today. From the results of this study the author can identify and find as many as 9 factors or dimensions of the household included in the debt, namely: due to small income, the influence of visual and online media, the influence of people nearby, the ease provided by financial institutions, ability to manage finances, class social and lifestyle, number of dependents in the family, as an alternative income, urgent and sudden needs. Some of the households in their lives use debt to facilitate consumption and other necessities because they do not have assets, saving, inheritance that can be used when facing sudden and unexpected needs, this study concludes that the behavior of household debt occurs because of the greater level of income in the end the household is faced with the choice to debt and as a consequence an obligation or burden must be borne by the household. In the end, every household that debt is expected to be a good debtor.