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Growing Science » Accounting » Determinants of loan self control: Customer case “Kredit Usaha Rakyat” of Indonesia

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Accounting

ISSN 2369-7407 (Online) - ISSN 2369-7393 (Print)
Quarterly Publication
Volume 10 Issue 2 pp. 49-54 , 2024

Determinants of loan self control: Customer case “Kredit Usaha Rakyat” of Indonesia Pages 49-54 Right click to download the paper Download PDF

Authors: Ela Elliyana, Umi Widyastuti, Agung Dharmawan Buchdadi, Ahmed Benyahia Rabie

DOI: 10.5267/j.ac.2024.2.001

Keywords: Credit, Loan, MSME, Self Control

Abstract: Loan Self Control (LSC) can be defined as the ability of self-control related to behavioral control, cognitive control, and decisional control in managing loans or debts for financial welfare. The study aims to determine the factors of loan self-control in Kredit Usaha Rakyat (KUR) banking customers of Micro Small Medium Enterprise (MSMEs) in Indonesia so that they can obtain three-time financing from banks. This study used 87 samples collected by purposive sampling technique. Primary data was collected using an online survey. Factor analysis formed 3 loan self-control factors, namely Behavioral control, Cognitive control and decisional control from 14 indicators tested.

How to cite this paper
Elliyana, E., Widyastuti, U., Buchdadi, A & Rabie, A. (2024). Determinants of loan self control: Customer case “Kredit Usaha Rakyat” of Indonesia.Accounting, 10(2), 49-54.

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Journal: Accounting | Year: 2024 | Volume: 10 | Issue: 2 | Views: 729 | Reviews: 0

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