The Influence of Social Norms on Debt Behavior, With Intervention in Debt as an Intervening Variable

Jurnal Ilmu Sosial Mamangan Pub Date : 2023-05-10 DOI:10.22202/mamangan.v12i1.6386

Aprih Santoso, Ardiani Ika Sulistyawati

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Abstract

The main problem of this research is whether interest can play a role in mediating social norms in one's behavior. The research objective was to examine the influence of social norms on indebtedness behavior in the Semarangan batik UMKM community, with interest in debt as a mediating variable. The theory used in this research is the TPB theory. The research method is: the population of all Semarangan batik UKM community entrepreneurs who owe Wibawa credit in the city of Semarang is 197 people and is also used as a research sample (census method). Data analysis method with the AMOS-25 program. The results showed that social norms had a positive and significant effect on interest, and social norms, interest in debt also had a positive and significant effect on debt behavior in the Semarangan batik UMKM community. The conclusion is that interest in debt is able to mediate the influence of social norms on debt behavior in the Semarangan batik UMKM community. The novelty of this research is the use of TPB theory in this social research, because so far TPB theory has been widely used in psychological research.

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社会规范对债务行为的影响——以债务干预为干预变量

这项研究的主要问题是兴趣是否能在一个人的行为中起到中介社会规范的作用。研究目的是考察社会规范对Semarangan-batik UMKM社区负债行为的影响，债务利息是一个中介变量。本研究所使用的理论是TPB理论。研究方法为：三宝垄市所有欠Wibawa信用的三宝垄蜡染UKM社区企业家的人口为197人，也用作研究样本（人口普查方法）。数据分析方法与AMOS-25程序。结果表明，在Semarangan-batik UMKM社区，社会规范、债务利息对债务行为也有积极显著的影响。结论是，在Semarangan-batik UMKM社区，债务利息能够调节社会规范对债务行为的影响。这项研究的新颖之处在于TPB理论在这项社会研究中的应用，因为到目前为止，TPB理论已经在心理学研究中得到了广泛的应用。

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Jurnal Ilmu Sosial Mamangan

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审稿时长

12 weeks