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Journal : Indonesian Journal of Business and Entrepreneurship (IJBE)

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Relationship Between Percepted Control Behavior, Intention, Facility and Behavior of Debt Return Santoso, Aprih; Nurhidayati; Susanto; Pratito, Dwi Widi
Indonesian Journal of Business and Entrepreneurship Vol. 10 No. 2 (2024): IJBE, Vol. 10 No. 2, May 2024
Publisher : School of Business, IPB University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/ijbe.10.2.389

Abstract

Background: Formulation of the problem for this research is, how will the role of intention as a mediating variable and facilities as a moderating variable be able to play a role in influencing perceived control behavior on debt repayment behavior.Purpose: This study empirically investigates the influence of perceived control behavior on debt repayment behavior, debt repayment intentions, and facilities on debt repayment behavior. Design/methodology/approach: Most of the determinants of research variables were developed based on the Theory of Planned Behaviour (TPB). Surveys to 120 people of owned Medium Small Enterprises (MSEs) in the culinary sector who took credit debt from the Wibawa government program in the city of Semarang. Data were analyzed using the structural equation model (SEM PLS)Findings/Result: The results showed perceived control behavior had a positive effect on the intention to repay the debt of MSE owners who took out Wibawa's credit debt. Furthermore, perceived control behavior and debt repayment intention have a positive effect on debt repayment behavior. We found empirical evidence that facilities have a role in strengthening the influence of debt service intentions on debt service behavior. Conclusion: This study enhances the behavioral debt literature by employing more extensive measures to assess perceived control, behavior, and intention, while also introducing the use of facilities as an alternative measure for variables that reinforce behavioral intention.Originality/value (State of the art): The originality lies in its contribution to the existing literature on debt behavior, as it utilizes two dimensions to measure behavior and introduces facilities as a novel reinforcement measure. Keywords: return behavior, debt facilities, culinary MSMEs, control behavior
Co-Authors Abi Suwito Aini, Widya Ali Imron Amanda Diamontina Amin Hou Anggita Hani Nurhanis Anggraeni, RR. Dewi Anita Marwing, Anita Anjani Putri Afrianti Aprih Santoso Ayuning Budiati Benny Lim Bhanu Prakash Nunna Chotamul Fajri Cici Handayani, Cici Daniaty, Hestining Deri Herdawan Dewi Wulandari Dewi, Ester Yunita Didik Iswadi, Didik Eddy Ema Farida Endi Arofa Fajar Mulya Adhi Pradana Fajri, Chotamul Fauzi, Amiratul Muhsinah Felix Leonardi Firmansyah, Frenza Fairuz Frenza Fridayani Hamdany, Mohammad Azharie Hardianti Hasbullah, Firman Hermawan, Widiantoni Heru Kurnianto Tjahjono Ika Puspa Satrianny Imanuddin, Iman Indriani, Iin Irman Ramdhan Fauzi Jamiludin, Moh. Fauzi KEMAL BIMA NUGRAHA, ACHMAD Khaeroman Khuzaeni Lela Nurlela Lely Zakiah Gunsar M. Khalid Fredy Saputra Maulida, Sofia Meikol Benned Mochammad Imron Awalludin Monica Fortunata Mudji Prasetiyo Muhamad Iqbal Muhamad Iqbal Mulya Adhi Pradana, Fajar Musbikhin Naib Naufal Farhan Hidayatullah Nessa Riyadi Nikmah, Nafidatun Noviarianto, Noviarianto Numa, Alya Mahirotun Nur Syamsi Norma Lalla Nurhidayati Pramadjaya, Angga Pratito, Dwi Widi Raditya Feda Rifandhana, Raditya Feda Rahmayani, Sekar Ayu Ratih Amelia, Ratih Riau, Dwi Putranto RINI INDAHWATI Sairin Sarian, Hazen Mellai Xyza Saskia Satria Eureka Nurseskasatmata Setiawan, Roy Setiawan, Toto’ Bara Sholekhah, Elok Faradina Isnawaty Sidjabat, Sonya Sri Aprianti Tarigan Sri Purwati Sri Purwati, Sri Subarto Sugeng Rianto Sugeng Riyanto SUGIYANTO Suhendra Anjar Dinata Sukarna , Timotius SURYA NINGRUM, APSARI Suryawadana, Edy Suryawardana, Edy Theng, Bestadrian Prawiro Tina Kunti Anggraeni Tri Widyawati Turnya Tyofyan, Gigih Tegar Wahyono, Bambang Angkoso Wahyu Ari Putranto Wendy Asswan Cahyadi Widyakto, Adhi Wijaya, Elyzabeth Wulan Sari, Wulan Yuliana Yuliana Yusuf Supardi Zulfitra