Proceedings of the International Conference on Banking, Accounting, Management, and Economics (ICOBAME 2018)

The Influence of Attitude and Herding on the Credit Decision-Making of Micro, Small, and Medium Enterprises

Authors
Alvianita Gunawan Putri, Nungki Pradita, Ika Rosyada Fitriati
Corresponding Author
Alvianita Gunawan Putri
Available Online July 2019.
DOI
10.2991/icobame-18.2019.15How to use a DOI?
Keywords
attitude; herding; interest in taking credit; credit decision-making
Abstract

This research aims to analyse the influence of attitude and inner group (herding) in making credit decision by micro, small, and medium enterprises (MSMEs) person. The samples of this research was conducted with 150 samples of 1350 units population of MSMEs in Salatiga and using purposive sampling technique in data collection. The results of this research shows that attitude and herding have a significant influence to interest and interest have a significant influence towards credit decision-making of MSMEs. This result is based on the calculation in this study by including intervening variables in the form of interest, giving the result that the direct effect between attitudes and herding with the decision to take credit on MSMEs becomes insignificant, but the relationship of interest with credit decision making is significant with a high t-statistic value. So that with the interest of being able to increase the urge to do something and that environmental factors also influence the interest or motivation of a person.

Copyright
© 2019, the Authors. Published by Atlantis Press.
Open Access
This is an open access article distributed under the CC BY-NC license (http://creativecommons.org/licenses/by-nc/4.0/).

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Volume Title
Proceedings of the International Conference on Banking, Accounting, Management, and Economics (ICOBAME 2018)
Series
Advances in Economics, Business and Management Research
Publication Date
July 2019
ISBN
10.2991/icobame-18.2019.15
ISSN
2352-5428
DOI
10.2991/icobame-18.2019.15How to use a DOI?
Copyright
© 2019, the Authors. Published by Atlantis Press.
Open Access
This is an open access article distributed under the CC BY-NC license (http://creativecommons.org/licenses/by-nc/4.0/).

Cite this article

TY  - CONF
AU  - Alvianita Gunawan Putri
AU  - Nungki Pradita
AU  - Ika Rosyada Fitriati
PY  - 2019/07
DA  - 2019/07
TI  - The Influence of Attitude and Herding on the Credit Decision-Making of Micro, Small, and Medium Enterprises
BT  - Proceedings of the International Conference on Banking, Accounting, Management, and Economics (ICOBAME 2018)
PB  - Atlantis Press
SP  - 69
EP  - 73
SN  - 2352-5428
UR  - https://doi.org/10.2991/icobame-18.2019.15
DO  - 10.2991/icobame-18.2019.15
ID  - Putri2019/07
ER  -