SMES’decision In Bank Credit Taking: Interpersonal Theory Behavior Approach

  • Edi Wijayanto Politeknik Negeri Semarang
  • Sri Widiyati Politeknik Negeri Semarang
  • Prihatiningsih Prihatiningsih Politeknik Negeri Semarang


 SMEs' access to low credit credits can be due to the complexity of credit application processing, the difficulty of providing collateral, and high interest rates. The low access of SMEs’ to banking credit is not only related to these factors, but it may be related to the interest of SMEs’ actors. A high likelihood of interest will be related to the decision of credit taking. This study aims to determine (1) the influence of attitudes, social and emotional factors on interest (2) the influence of interest on the decision of banking credit. This study attempts to analyze the factors that influence the decision of credit taking on bank credit using the framework of Theory Interpersonal Behavior (TIB). Data collection methods in this study used a questionnaire involving 150 respondents of SMEs in the city of Salatiga. Data analysis used is SEM technique that is covariance based analysis technique with AMOS tools. The results of this study indicate that interest in banking credit is significantly influenced positively by emotional banking, while attitudes about bank credit, social factors about bank credit, have no significant
positive effect. Interest in banking credit has a significant positive effect on the lending decisions of banks.

How to Cite
WIJAYANTO, Edi; WIDIYATI, Sri; PRIHATININGSIH, Prihatiningsih. SMES’decision In Bank Credit Taking: Interpersonal Theory Behavior Approach. Prosiding Sentrinov (Seminar Nasional Terapan Riset Inovatif), [S.l.], v. 3, n. 1, p. EB273-EB283, nov. 2017. ISSN 2477-2097. Available at: <>. Date accessed: 13 aug. 2022.