Determinants of Indebtedness Propensity: The Case of Indonesian MSME Borrowing to Loan Sharks

Arif, Fauzan Hendrosfa (2023) Determinants of Indebtedness Propensity: The Case of Indonesian MSME Borrowing to Loan Sharks. Diploma thesis, Fakultas Ekonomi dan Bisnis.

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Abstract

This study aims to determine the influence of financial literacy, financial management, and risk perception mediated by emotions on propensity of indebtedness of MSMEs to loan sharks in the city of Padang. The data were obtained through a online questionnaire and directly mee and meet directly with MSME owners in the field. Data analyzed on this study using Microsoft Excel apps and Smart-PLS 3.0. The result on this study showed that financial literacy positive significant on debt tendencies of MSME to loan sharks. Financial management have a negative significant effect on propensity indebtedness of MSME to loan shark. Risk perception insignificant effect on indebtedness and emotion can mediate risk perception positive significant effect on indebtedness.

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