PENGAMBILAN KEPUTUSAN HUTANG PADA USAHA KECIL DAN MENENGAH (UKM) DI PULAU LOMBOK: SUATU PERSPEKTIF BEHAVIORAL FINANCE

Hidayati, Siti Aisyah and Suryani, Embun and MUHDIN, MUHDIN (2019) PENGAMBILAN KEPUTUSAN HUTANG PADA USAHA KECIL DAN MENENGAH (UKM) DI PULAU LOMBOK: SUATU PERSPEKTIF BEHAVIORAL FINANCE. PENGAMBILAN KEPUTUSAN HUTANG PADA USAHA KECIL DAN MENENGAH (UKM) DI PULAU LOMBOK: SUATU PERSPEKTIF BEHAVIORAL FINANCE, 8 (1). pp. 1-15. ISSN 2548-3919

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Abstract

The purpose of this study is to find out what factors determine decision making of debt and what are the most dominant factors in decision making of debt for SMEs on the island of Lombok. This research is an explanatory research with quantitative approach. The population is all SMEs located in Lombok island. The sample is selected by Non probability sampling technique with a judgment sampling method where the SMEs that selected as samples are SMEs in handicraft industry of pottery and already exporting the products. Of the existing population, there are 25 (twenty five) SMEs that can be sampled. Respondents in this study are managers who also the owner of the SMEs. Data was collected using questionnaire. To achieve the research objectives, the data obtained will be processed according to needs using Factor Analysis. The results of this study indicate there are three factors that determine decision making of debt. The most dominant factor in determining debt decision making for SMEs in Lombok Island was the Overconfidence factor.

Item Type: Article
Keywords (Kata Kunci): Behavioral finance, decision making of debt, SMEs
Subjects: H Social Sciences > HG Finance
Divisions: Fakultas Ekonomi
Depositing User: Mrs Embun Suryani
Date Deposited: 05 Jan 2022 07:15
Last Modified: 05 Jan 2022 07:15
URI: http://eprints.unram.ac.id/id/eprint/26913

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