The Intention in Online Submission of Micro Credit

Hartoyo, Fermico Karambut, Rita Nurmalina, Mukhamad Najib
European Research Studies Journal, Volume XXII, Issue 3, 186-200, 2019
DOI: 10.35808/ersj/1465


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.

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