UNDERSTANDING THE DETERMINANT OF SME OWNERS’ INTENTION TO HAVE BANK CREDIT
Journal Title: Polish Journal of Management Studies - Year 2018, Vol 17, Issue 1
Abstract
This study aims to analyze factors affecting the intention of SME owners to obtain bank credit by integrating the Theory of Interpersonal Behavior (TIB) and the Theory of Technology Acceptance Model (TAM) frameworks. We generate our data from the survey of 150 SME owners located in the Salatiga City, Indonesia. The study uses the purposive sampling method to generate our sample. Using SEM PLS technique to analyze our data, we show that (1) the attitude toward bank credit; the social; emotional factors of bank credit and perceived usefulness of bank credit positively affect the intention to have bank credit and (2) perceived usefulness of bank credit and perceived ease of use of bank credit positively affects attitude toward bank credit. This explains that interest of SME owners have bank credit is influenced by cognitive, social and affective factors. Meanwhile, cognitive factors are determined by the understanding of SME owners about the use of bank credit for business development and the ease of applying for banking credit. Considering the use of bank credit perceived to have the greatest influence on the intention to have banking credit, to encourage the intention of SME owners to apply for bank credit; it is necessary to intensively socialize the benefits of bank credit among the SME owners.<br/><br/>
Authors and Affiliations
Dhony Rizky Widya Mardika, Theresia Woro Damayanti, Supramono Supramono
Keywords
Related Articles
- EP ID EP305878
- DOI 10.17512/pjms.2018.17.1.14
- Views 62
- Downloads 0
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