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Chairul Saleh
Jurusan Kimia Fakultas Matematika Dan Ilmu Pengetahuan Alam Universitas Mulawarman
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Journal : BISMA (Bisnis dan Manajemen)

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Intention model and factors leading to MSMEs falling into the trap of illegal online loans Farida, Lilik; Saleh, Chairul; Indraningrat, Ketut; Utami, Elok Sri; Apriliana, Tria
BISMA (Bisnis dan Manajemen) Vol. 18 No. 1 (2025)
Publisher : Universitas Negeri Surabaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/bisma.v18n1.p86-112

Abstract

The micro, small, and medium enterprises (MSMEs) sector in Indonesia plays a vital role in the economy and job creation, but often struggles with limited access to capital. As a result, many MSMEs turn to fintech solutions or online loans, including illegal ones, which usually trap them in high-interest debt. Factors influencing this behaviour include social norms, perceived behavioural control, financial literacy, risk perception, interest rates, social influence, perceived ease of use, perceived usefulness, trust in illegal loans, education level, and social media usage for advertising. At the same time, the Financial Services Authority (OJK) are working to reduce MSMEs’ involvement with illegal online loans. This research aims to examine the factors that drive MSMEs to use illegal loans, focusing on how trust in online loans and the intention to use them mediate this behaviour. Additionally, education level and frequency of social media use are examined as moderating factors. The study surveyed 330 MSMEs and analysed the data using structural equation modelling. The findings indicate that subjective norms significantly increase trust in illegal loans but do not significantly impact the intention to use them. Perceived behavioural control influences both trust and the intention to use illicit loans. Interest rates also have a significant positive effect on both trust and intention. Social influence increases trust but decreases the intention to use illegal loans. Lastly, the intention to use illicit loans strongly predicts actual behaviour, with education level reinforcing this link, while frequent social media use weakens it.
Co-Authors Agung Prasetyo Agus Priono Ajeng Kartini Akbar, Fath Ali Alimuddin - Alimuddin - Alimuddin Alimuddin Alpina Nora Kaban Ami, Suyatmi Ana Arum Sari Ana Arum Sari, Ana Arum Ardiansyah - Ardiansyah - Arifah, Churniati Nur Arwidhiah, Nanda Ary Rizki Darmawi Ary Rizki Darmawi, Ary Rizki Aulia Husna Rabbani Azhar Seli Apriani Azhar Seli Apriani, Azhar Seli Barikah, Kuni Z. Bastara, Dimas B. Bohari Yusuf Bonita Tahir Daniel Daniel - Daniel - Daniel -, Daniel Daniel Daniel Daniel Daniel Daniel Daniel Daniel Tarigan Deni Karisnawati Dessy Karlina Desy Ridho Rahayu Dewi, Camelia Eugenia Djihan Ryn Pratiwi, Djihan Ryn Dwi Fitria Sari Dwi Perwitasari Wiryaningtyas, Dwi Perwitasari Eci Endang Sinulingga Eko Haryanto Eko Haryanto Elean, Samuel Elok Sri Utami Ema Desia Prajitiasari Erwin - Erwin - Erwin E Erwin Erwin Erwin Erwin Erwin Erwin Eva Marliana, Eva Fadillah, Fahmi Farhany, Farhany Farida Amir Farida Amir, Farida Fauziah, Nadiya Ayu Hairani, Rita Hammamiyah, Ulinnuha Hamsiana - Hevin Muttaqin Husnul Chatimah Indra Masmur Izkia Mawaddah Jaya, Edi Novian Juwita, Retno Karolina Sinukaban Ketut Indraningrat KHOIRUN NISAK Krishnabudi, N. G Kusumaningrum, Indah Yulia Kusumawardani, Niken Lembang, Darmita Tiku Lilik Farida Lutfiana Devi Kurnia M.Riza Agus Pramana Magdaleni Agustina Rahayu Magdaleni, Agustina R. Magdaleni, Agustina Rahayu Marsella, Virna Rindra Masmur, Hestina Medi Hendra, Medi Mira Wahyuni Mira Wahyuni, Mira Muhammad Rivai Mujahidin1, Muhamad Mustafidah - Mustafidah -, Mustafidah Mutma Inna Nadhirah - Natalia, Princessa Noor Hindryawati, Noor Nugraheni, Dyah Ayu Nur Aina Nur Aini Haryati Nuranda, Apri Nyoman Gede Krishnabudi Oman, Aries Panannangan, Josua K. Pangaribuan, Fransiscus X. Rico Pindan, Neli Peni Prabowo, Rachmat Udhi Pratiwi, Ricka Indria Precelia, Sari Clara Priyanto, Fajar Wahyu Purnamie Titisari Purwanti, Gettik Andri Puspita, Leonita Dwi Puspitasari, Intan Dessy Rachman, Ferry Aditya Rahmat Gunawan RAHMAT GUNAWAN Ramadhan, Aulia Ravensca, Irene Rindawati, Novi Ritbey Ruga Ritson Purba, Ritson Rochman, Mayasari Azhari Rohmat Hidayat Rohmat Hidayat Rudi Kartika, Rudi Ruga, Ritbey Ryn Pratiwi, Djihan Saibun Sitorus Sandra, Putri Ayu Sanjaya, I Made Duwi Septi Roro Liniawati Simatupang, Eliene Br. Siti Maimunah Sitompul, Citra Uli Soma, Yolanda V. A Subagyono, RR Dirgarini Julia Nurlianti Subur P Pasaribu Sulistiawati, Iqlimah Sulistiyawati, Rizki Ramadhani Sumarni, Feni Sunardi Sunardi Susanto, Arnis Budi Syafriyanti, Yuly Theresia Susetyarsi Tri Novianti Tria Annisa Rizky Tria Apriliana, Tria Ulfa Mutia Ulfa Mutia, Ulfa Ulfa, Yulyanti Sartika Utami, Diandra Weningtyas Wahyu Pratama Wajdie, Farid Winni Astuti Winni Astuti, Winni Yuli Yana