Debt behavior in daily life is not new; debt behavior is almost as old as human civilization because it has been
detected since 3200 years BC. Until now debt behavior has become a trend in modern household life for a
variety of reasons, therefore household debt behavior still has an appeal for a research study. The purpose of
this study is: to test debt behavior with a financial inclusion approach and theory of planned behavior.
Method: using the method of nonprobability sampling and purposive sampling, household units were
sampled as many as 390 respondents with population areas of Pekanbaru City, Indonesia. The analytical tool
used is SEM-warp PLS version 6. Findings: that TPB with three main elements namely behavioral attitudes,
subjective norms and behavioral control can predict intentions and behavior of household debt, financial
inclusion can then have a strong positive influence on debt behavior household. Conclusion: debt used as
alternative income can smooth consumption, improve the quality of life and welfare in the household, but
debt remains a burden and an obligation that must be paid by the household


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