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The Intention in Online Submission of Micro Credit

Author

Listed:
  • Hartoyo
  • Fermico Karambut
  • Rita Nurmalina
  • Mukhamad Najib

Abstract

Purpose: The research aimed to identify the merchant intention in online submission microcredit through e-marketplace and formulate an online microcredit submission model. Total samples of 235 respondents were selected by convenience sampling method through an online survey of online sellers who were members of the Indonesian Online Business Association (APOI). Design/Methodology/Approach: Structural equation modeling (SEM) was used to test the empirical data derived from surveys with the proposed hypotheses. Findings: The results showed that marketing mix gives a greater influence on intention compared to attitude toward behavior. Practical Implications: The research is one of first attempts to provide valuable insight for an overview of MSME's intention towards micro credit in the framework of planning micro-credit distribution (KUR) in Indonesia through e-commerce media. Originality/Value: The research provided an overview of the intention of online sellers / merchants to online submission systems through e-marketplace media and estimates how far is the persepsion of marketing mix in increasing intention.

Suggested Citation

  • Hartoyo & Fermico Karambut & Rita Nurmalina & Mukhamad Najib, 2019. "The Intention in Online Submission of Micro Credit," European Research Studies Journal, European Research Studies Journal, vol. 0(3), pages 186-200.
    • Handle: RePEc:ers:journl:v:xxii:y:2019:i:3:p:186-200
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    References listed on IDEAS

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    1. Kajenthiran. K & Achchuthan. S & Ajanthan. A, 2017. "A Quest for Seeking Microcredit among Youth: Evidence from an Emerging Nation in South Asian Region," Advances in Management and Applied Economics, SCIENPRESS Ltd, vol. 7(2), pages 1-8.
    2. Miranda, Francisco Javier & Chamorro-Mera, Antonio & Rubio, Sergio, 2017. "Academic Entrepreneurship In Spanish Universities: An Analysis Of The Determinants Of Entrepreneurial Intention," European Research on Management and Business Economics (ERMBE), Academia Europea de Dirección y Economía de la Empresa (AEDEM), vol. 23(2), pages 113-122.
    3. Fred D. Davis & Richard P. Bagozzi & Paul R. Warshaw, 1989. "User Acceptance of Computer Technology: A Comparison of Two Theoretical Models," Management Science, INFORMS, vol. 35(8), pages 982-1003, August.
    4. Rekha Dahiya & Gayatri, 2017. "Investigating Indian Car Buyers’ Decision to Use Digital Marketing Communication: An Empirical Application of Decomposed TPB," Vision, , vol. 21(4), pages 385-396, December.
    5. Marcellin Makpotche & Kinvi Logossah & Yao Amewokunu & Assion Lawson-Body & Komlan Sedzro, 2015. "Impact of Cultural Beliefs on Entrepreneurs’ Intention to use Bank Loans," Journal of Applied Finance & Banking, SCIENPRESS Ltd, vol. 5(4), pages 1-2.
    6. Natarajan, Thamaraiselvan & Balasubramanian, Senthil Arasu & Kasilingam, Dharun Lingam, 2017. "Understanding the intention to use mobile shopping applications and its influence on price sensitivity," Journal of Retailing and Consumer Services, Elsevier, vol. 37(C), pages 8-22.
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    Citations

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    Cited by:

    1. Sparacino, Daniele, 2019. "Funktionsweise und Möglichkeiten von Google Shopping mit einem Fokus auf Showcase Ads," Working Papers for Marketing & Management 42, Offenburg University, Department of Media and Information.
    2. Yuliya S. Evlakhova & Alexandra A. Tregubova, 2023. "Russian Market of Online Microloans to the Population: Credit Risks Analysis," Journal of Applied Economic Research, Graduate School of Economics and Management, Ural Federal University, vol. 22(3), pages 710-738.
    3. Kim, Woojung & Wang, Xiaokun Cara, 2022. "The adoption of alternative delivery locations in New York City: Who and how far?," Transportation Research Part A: Policy and Practice, Elsevier, vol. 158(C), pages 127-140.

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    More about this item

    Keywords

    E-marketplace; intention; microcredit; marketing mix; online sellers.;
    All these keywords.

    JEL classification:

    • M31 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Marketing and Advertising - - - Marketing
    • M37 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Marketing and Advertising - - - Advertising

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