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All Journal Jurnal Ilmiah Manajemen Kesatuan
Halawa, Vikarma Jaya
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Economics, Econometrics & Finance Social Sciences

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Factors Affecting Public Interest In Applying For Loans To Bank: Case Study on Furniture Entrepreneurs in Medan City Tarigan, Lennaria Lusia; Munte, Erni Dewi; Siahaan, Bertha Nerpy; Siagian, Duma Lasmaria; Halawa, Vikarma Jaya
Jurnal Ilmiah Manajemen Kesatuan Vol. 12 No. 6 (2024): JIMKES Edisi November 2024
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v12i6.2950

Abstract

In daily life, borrowing through financial institutions such as banks is a common activity. This study aims to examine the influence of perceived ease of use, perceived risk, privacy, trust, and perceived benefits on public interest in applying for bank loans. The study population consisted of 2,785 furniture entrepreneurs in Medan City, with 104 respondents selected through purposive sampling. Primary data were collected via questionnaires, supported by secondary data from relevant literature. Data analysis was conducted using Partial Least Squares (PLS) to assess relationships among variables. The findings reveal that perceived ease of use, privacy, trust, and perceived benefits significantly influence interest in borrowing from banks, while perceived risk does not show a significant effect. These results provide valuable insights for future research and contribute to the understanding of financial behavior, particularly in the context of entrepreneurial financing decisions. Keywords: perceived ease of use, risk, privacy, trust, perceived benefits, borrowing interest
Co-Authors Munte, Erni Dewi Siagian, Duma Lasmaria SIAHAAN, BERTHA NERPY Tarigan, Lennaria Lusia