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Journal : International Journal of Enterprise Modelling

Embed theory of planned behavior in predicting external financing of woman’s entrepreneur behavior Sijabat, Rauly; Setyorini, Noni; Amin, Fatkhul; Nastiti, Prianka Ratri
International Journal of Enterprise Modelling Vol. 20 No. 1 (2026): January: Publishing Process (Inpress)
Publisher : International Enterprise Integration Association

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/int.jo.emod.v20i1.142

Abstract

Empirical gaps regarding high credit interest rates, male dominance of asset ownership, the tendency to use own capital to start small businesses, gender discrimination, and a higher risk of credit rejection are reasons why female entrepreneurs are reluctant to apply for business loans. Individual investment behavior is influenced by gender differences. Previous research due to indications of behavioral differences between female and male entrepreneurs in making business debt decisions. Also found that individual debt or investment behavior is largely determined by personal attributes, one of which is gender. Based empirical gap and research gap perspective, the implementation of the Theory of Planned Behavior (THB) in entrepreneurship studies, particularly on business debt behavior with female entrepreneurs as the subject, is still very limited, if not non-existent. Furthermore, the factors tested have not specifically mapped research variables to factors such as attitude, subjective norms, and perceived behavioral control. So, it is necessary to develop a fundamental, theory-based model using the TPB approach that can organize predictor variables and comprehensively and systematically predict and explain business debt behavior among female entrepreneurs. The empirical model was tested using empirical data obtained from interviews with female entrepreneurs who had business debt for the purposes of establishing or expanding their businesses. The model testing and the influence between variables were then analyzed using a Structural Equation Modeling approach. The results of the analysis indicate that interest or desire determines the behavior or business debt decisions of female entrepreneurs. The results of this study also show that female entrepreneurs' interest in business debt is determined only by entrepreneurial self-efficacy, while factors such as entrepreneur desirability, entrepreneur opportunity recognition, and entrepreneur social identity do not statistically influence their interest in business debt.
Co-Authors -, Khalimah - Abdika, Muhammad Festin Abdulhamid Ali Abukil Abidin, Muhamad Aditya, Yudi Putra Aeni Dieka Prahesti, Ely Afiari Choirunnisa Amalisa, Popy Nurul Andriani, Prima Aprillia Suryani Pujiastuti Ardisa Lestari, Dwi arisul ulumudin Assiddiqy, Muchammad Najmi Aulia, Ananda Rahma Awalia Ririn Maulidina Ayu Ardila B. Jessediaz Ryswara Hati Bagus Cahyono Bayu Kurniawan Bayu Kurniawan BAYU KURNIAWAN Brilianda, Zenita C. Tri Widiastuti chadiyan faturachman Chadyan Fathurachman Daffa Arya Dinata Darmaputra, M. Fadjar Darmaputra, Mochamad Fadjar David Abdul Kholiq Devi Astrika Damayanti Devi Prihatini Deviana Nanda Widyasari Dhita Novia Ramadhani Drifanda, Valdian Dwi Nur Aini, Dwi Dwi Wahyuningsih, Dwi Dyah Ayu Ramandani Efriyani Sumastuti Elza Arindani Dwi Putri Aprilian Ervina I, Rr Hawik Ervina, Hawik Fadjar Darmaputra, Mochamad Fatkhul Amin Ferina Kusuma Fitrotul Amalia Gilang Maulana Gilang Maulana Gultom, Henry Casandra Herawati Rosalinda Herawati Rosalinda Heri Prabowo Ika Menarianti, Ika Inayatur Rosidah Indriasari, Ika Inovia Rizka Amalina Ira Setiawati Ira Setiawati Ira Setiawati, Ira Isnainiyah, Fitri Jannah, Syayyidah Maftuhatul Jarmadi Setiawan Kiki Rizki Yuliana Kukuh Setya Pamuji Lestari, Dwirani Fauzi Lestari, Yuli Dewi Lifiya Kholifatunnisa Luthfi, Reza MIFTAKHUL JANNAH Mindi Permata Mochamad Fadjar Darmaputra Muhamad Hanung Isma Sasongko Nastiti, Prianka Nikmatul Khasanah Nila Natasya, Dhita Noorzeha, Fuad Noventia Karina Putri Nugraha, Aryan Eka Prasetya Nugraheni, Devia Jeanindita Nugroho, Kiki Nur Putriati Nurrohim, Yusuf Teguh Pebryan Indra Yudha Permata, Mindi Prajasari, Anniza Citra Prianka Nastiti Prianka Ratri Nastiti Prianka Ratri Nastiti, Prianka Ratri Prima Andriani Priska Agustina Dewi Putra Aji, Bima Putra Pratama, Adhitya Putri Rahmawati Putri, Rellya Andarista Putri, Viki Anjani Qoma'iroh, Syili Qristin violinda Qudrotul Ainiyah, Lissa Ratih Hesti Utami P Ratih Hesty Utami Ratih Hesty Utami P Retnaning Dyah Dharmayanti, Fauziyah Revan Danu Aji Rionia Budiati Laksono Rita Meiriyanti Rita Nuraini Ramansyah Roki Putra, Adimas Romala, Elis Rr Hawik Ervina I Rr Hawik Ervina Indiworo Saputri, Ika Diana Sella, Elsa Putri Pramei Shibghatalloh, Ahmad Hafiyyan Sholikah, Nanik Sijabat, Rauly Som, Sanchita Suganda, Hady Sugeng Wahyudi, Sugeng Suniroh, Siti SUTRISNO Sutrisno Sutrisno Sutrisno, Sutrisno Syifa, Khilyatus Wattegama, Erandi Jinadari Widyastuti, Ria Wijayanti, Istiqomah Tri Yanuar Yulianto Yanuar Yulianto Yuhanisa, Fera Yuliana Dewi Setiawati Yulianna Regina Ratnasari Zhou Deyi