Application of the Theory of Planned Of Behavior Against the Intention of MSMEs in Taking Bank Loans (Bank Jateng Purbalingga Case Study)

Nevy Octavia, Najmudin Najmudin, Rio Dhani Laksana

Abstract


Financial knowledge needs to be understood by every UMKM actor because the complexity of financial instruments and financial decisions is needed in everyday life. The most common problem of MSMEs is funding. The conceptual model based on the theory of planned behavior (TPB) states that the intention of MSME actors is determined by Attitudes, Subjective Norms, and Behavioral Control. The factors mentioned above play a role in the decision to make MSME funding. This study aims to determine the intention of MSMEs towards funding at Bank Jateng Capem, Purbalingga City. Data were collected by distributing questionnaires through MSMEs in Purbalingga Regency. The data used in this study were analyzed using Moderated Regression Analysis and performed with SPSS software. The results showed that attitudes, subjective norms, and behavioral control had a positive effect on the intention of MSME actors to make funding decisions at Bank Jateng Capem, Purbalingga City.

 

Keywords: Theory of Planned Behavior, Funding, UMKM, Financial Behavior


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References


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