Analisis Perilaku Masyarakat Umkm Pasaman Barat Terhadap Pemanfaatan Kredit Program

Abstract

Government efforts to improve the micro small and medium enterprises manifested in various programs such as financial aid programs like credit program. In the journey of credit program is not always smooth and the loan is still quite high. This study tries to analyze the behavior of credit program customers by implementing the Theory of Planned Behavior of Ajzen (1988). Measurement of variables with the instrument measured by Likert scale. Descriptive analyzes were performed to see whether or not the good level of each variable and regression studies to examine the relationship between the independent variable and dependent variable. The results showed that the intentions and behavior of the credit program customer is still low level. While the variables that influence a positive and significant impact on intentions are attitudes and perceived behavioral control are still categorized as low. That is the intention and the behavior of customers are still low originated from the attitudes and behavior control is low. Whereas subjective norm has been categorized quite good, but no significant effect on intentions and customer behavior. Implications of this research is : To develop the credit program should be improving the behavior, attitudes and perceived behavioral control of the credit program customers. 
 
 Keywords : attitude, subjective norm, perceived behavioral control, intention, behavior.

ANALISIS PENGGUNAAN SISTEM INFORMASI AKUNTANSI DAN STRATEGI E-MARKETING PADA UMKM SAAT PANDEMI COVID-19 NEW NORMAL DI KARAWANG JAWA BARAT (Studi Kasus Pada Beras Puri Karawang)

“…Di Indonesia UMKM memiliki peran strategis dan pengaruh yang besar bagi perkembangan ekonomi Nasional dengan jumlah 64.194.057 pada tahun 2018 dengan memperkerjakan sekitar 116.978.631 tenaga kerja (Hardilawati, 2020). Sektor usaha kecil berpotensi mengalami kredit macet walaupun terkadang sektor ini dapat menjadi penyelamat krisis kondisi ekonomi di Indonesia secara nasional (Aisyah, Asraf, & Erdawati, 2015). Untuk bertahan dalam perkembangan perusahaan, adopsi pengembangan teknologi baru diperlukan kepada pelaku UMKM dalam ekonomi baru (Sani, Subiyakto, & Rahman, 2019).…”