DETERMINAN KEPUTUSAN UMKM MENGGUNAKAN FASILITAS KREDIT BANK
DOI:
https://doi.org/10.47491/landjournal.v6i1.4012Keywords:
Micro, Small, and Medium Enterprises (MSMEs), Financial Decision-Making, Theory of Planned Behavior (TPB), Bank Credit Facilities, Financial InclusionAbstract
This research aims to explore the factors influencing the decision-making of micro, small, and medium enterprises (MSMEs) in choosing financing sources, focusing on attitudes towards debt, risk profiles, and financial knowledge among MSME owners in Indonesia. The study employs the Theory of Planned Behavior (TPB) as a framework to understand how attitudes, subjective norms, and perceived behavioral control influence the intentions and decisions of MSMEs to access bank credit facilities. The population comprises MSMEs registered under the Yayasan Bina Insani Gemilang Indonesia. A sample of 400 MSME owners was selected using simple random sampling techniques. Data was collected through both online questionnaires and direct interviews to accommodate a diverse range of respondents.
The key findings indicate that while MSME owners show a general hesitation towards formal bank loans, attitudes towards debt and financial knowledge significantly impact their borrowing intentions. The study reveals that subjective norms and perceived behavioral controls are critical in shaping these intentions, suggesting that external opinions and perceived ease of obtaining credit strongly influence decision-making processes. Most notably, despite the available formal credit facilities, many MSMEs continue to rely on informal lending due to perceived barriers and skepticism towards formal banking terms.
In conclusion, the research underscores the need for targeted government policies and bank strategies that address the specific fears and hurdles faced by MSMEs. Improving financial literacy and altering perceptions about formal credit risks may encourage more MSMEs to engage with banks, potentially leading to enhanced economic growth and financial inclusion in the region.
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