Understanding the determinant of SME owners’ intention to have bank credit

• Autorzy: Mardika D. R. W. , Damayanti T. W. , Supramono

Identyfikatory

DOI

10.17512/pjms.2018.17.1.14

Warianty tytułu

PL

Postrzeganie determinant zamiarów właścicieli małych i średnich przedsiębiorstw do posiadania kredytów bankowych

• Języki publikacji: EN

Abstrakty

EN

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.

PL

Niniejsze badanie ma na celu przeanalizowanie czynników wpływających na zamiar działania właścicieli MŚP, uzyskania kredytów bankowych poprzez integrację teorii zachowania międzyludzkiego (TIB) i modeli teorii akceptacji technologicznej (TAM). W badaniu wzięło udział 150 właścicieli MŚP zlokalizowanych w mieście Salatiga w Indonezji. Do wygenerowania próby wykorzystano celową metodę próbkowania. Wykorzystując do analizy naszych danych technikę SEM PLS, wykazano, że: (1) stosunek do kredytu bankowego; społeczne; emocjonalne czynniki kredytu bankowego i postrzegana przydatność kredytu bankowego pozytywnie wpływają na zamiar posiadania kredytu bankowego i (2) postrzegana przydatność kredytu bankowego i postrzegana łatwość korzystania z kredytu bankowego pozytywnie wpływają na stosunek do kredytu bankowego. To wyjaśnia, że na zainteresowanie właścicieli MŚP kredytem bankowym wpływają czynniki poznawcze, społeczne i afektywne. Czynniki poznawcze determinowane są świadomością właścicieli MŚP na temat wykorzystania kredytu bankowego na rozwój biznesu i łatwością ubiegania się o kredyt bankowy. Biorąc pod uwagę kwestię wykorzystania kredytu bankowego, co wydaje się mieć największy wpływ na zamiar posiadania kredytu bankowego, aby zachęcić właścicieli MŚP do ubiegania się o kredyt bankowy, konieczna jest intensywna socjalizacja korzyści płynących z kredytu bankowego wśród właścicieli MŚP.

Słowa kluczowe

EN

bank credit; theory of interpersonal behavior; intention

PL

kredyt bankowy; teoria zachowania międzyludzkiego; intencja

• Wydawca: Czestochowa University of Technology
• Czasopismo: Polish Journal of Management Studies
• Rocznik: 2018
• Tom: Vol. 17, No. 1
• Strony: 165--174
• Opis fizyczny: Bibliogr. 36 poz., rys., tab.

Twórcy

autor

Mardika D. R. W.

• Universitas Kristen Satya Wacana, Indonesia, Faculty of Economics and Business

autor

Damayanti T. W.

• Universitas Kristen Satya Wacana, Indonesia, Faculty of Economics and Business

autor

Supramono

• Universitas Kristen Satya Wacana, Indonesia, Faculty of Economics and Business

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Uwagi

Opracowanie rekordu w ramach umowy 509/P-DUN/2018 ze środków MNiSW przeznaczonych na działalność upowszechniającą naukę (2018).