• herispon herispon Akademi Keuangan & Perbankan Riau Pekanbaru, Sekolah Tinggi Ilmu Ekonomi Riau
Keywords: debitur baik, efek demonstrasi, konsumerisme


Tujuan penelitian ini adalah untuk mengidentifikasi dan mengungkapkan faktor-faktor atau dimensi yang menyebabkan rumah tangga untuk berutang dengan metode dan studi literatur yang dideskripsikan secara deskriptif dan terkait dengan kondisi nyata dalam rumah tangga ketika. Dari hasil penelitian ini kami dapat mengidentifikasi dan menemukan sebanyak 9 faktor atau dimensi rumah tangga yang termasuk dalam utang yaitu: karena pendapatan kecil, pengaruh visual dan media online, pengaruh orang terdekat, kemudahan yang diberikan oleh lembaga keuangan, kemampuan untuk mengelola keuangan, sosial dan gaya hidup, jumlah tanggungan dalam keluarga, sebagai penghasilan alternatif, kebutuhan mendesak dan tiba-tiba. Beberapa rumah tangga dalam kehidupan mereka menggunakan utang untuk memfasilitasi konsumsi dan kebutuhan lain karena mereka tidak memiliki aset, tabungan, warisan yang dapat digunakan dalam menghadapi kebutuhan yang tiba-tiba dan tidak terduga. Pada akhirnya setiap rumah tangga yang dapat ditagih diharapkan menjadi debitur yang baik



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