Analysis of the intention to use loan facilities from formal financial institutions for large chili farmers through the theory of planned behavior approach

Q2 Economics, Econometrics and Finance

Investment Management and Financial Innovations Pub Date : 2023-05-04 DOI:10.21511/imfi.20(2).2023.12

Nanda Widaninggar, Muhammad Firdaus, Suherman, Farid Wahyudi, A. Sauqi

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引用次数: 1

Abstract

This study analyzes and examines the factors influencing the intention to use loan facilities from formal financial institutions. This study was carried out quantitatively using the Structural Equation Modeling (SEM) method with the population of large chili farmers in 19 districts in Jember Regency as the region with the best large chili productivity in Indonesia. The results obtained from 116 respondents indicate that the construct of situational temptation does not affect subjective norms. In addition, formal financial institution financing positively affects attitudes toward behavior and subjective norm on intention to use loan facilities, but not on the perceived behavior. Meanwhile, the intention was positively influenced by attitude, subjective norm, and perceived behavior control. The factor with the most significant effect on the intention is perceived behavior control (t-statistics = 4.940). This shows that control of perceived behavior towards intention to use loan facilities from formal financial institutions has the most significant influence among other variables. Acknowledgment The authors would like to thank the Directorate of Research, Technology, and Community Service from the Ministry of Education, Culture, Research, and Technology of the Republic of Indonesia, which provided research grants, namely Higher Education Excellence Basic Research (Penelitian Dasar Unggulan Perguruan Tinggi/PDUPT) in 2022-2024.

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运用计划行为理论分析辣椒大户使用正规金融机构贷款工具的意向

本研究分析并检验了影响使用正规金融机构贷款工具意愿的因素。本研究采用结构方程模型(SEM)方法，以印尼大辣椒产量最高的地区为研究对象，选取了Jember Regency 19个地区的大辣椒种植人口进行了定量分析。对116名被调查者的调查结果表明，情境诱惑的建构并不影响主观规范。此外，正规金融机构融资对行为态度和使用贷款工具意愿的主观规范有正向影响，但对感知行为没有正向影响。态度、主观规范和感知行为控制对意向有正向影响。对意向影响最显著的因素是感知行为控制(t-statistics = 4.940)。这表明，在其他变量中，对使用正规金融机构贷款工具的意向的感知行为的控制具有最显著的影响。作者要感谢印度尼西亚共和国教育、文化、研究和技术部的研究、技术和社区服务局，它在2022-2024年提供了研究资助，即高等教育卓越基础研究(Penelitian Dasar Unggulan Perguruan Tinggi/PDUPT)。

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来源期刊

Investment Management and Financial Innovations Economics, Econometrics and Finance-Finance

CiteScore

2.50

自引率

0.00%

发文量

审稿时长

11 weeks

期刊介绍： The international journal “Investment Management and Financial Innovations” encompasses the results of theoretical and empirical researches carried out both on macro- and micro-levels, concerning various aspects of financial management and corporate governance, investments and innovations (including using of quantitative methods). It is focused on the international community of financiers, both academics and practitioners. Key topics: financial and investment markets; government policy and regulation; corporate governance; information and market efficiency; financial forecasting and simulation; financial institutions: investment companies, investment funds, investment banks, hedge funds, private pension funds; objects of real and financial investing; financial instruments and derivatives; efficiency of investment projects; econometric and statistic methods in project management; alternative investments; ratings and rating agencies.