IDEAS home Printed from https://ideas.repec.org/a/ers/journl/vxxiiy2019i3p186-200.html
   My bibliography  Save this article

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
    as

    Download full text from publisher

    File URL: https://www.ersj.eu/journal/1465/download
    Download Restriction: no
    ---><---

    References listed on IDEAS

    as
    1. 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.
    2. 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.
    3. 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.
    4. 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.
    5. 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.
    6. 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.
    Full references (including those not matched with items on IDEAS)

    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
    as


    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.

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Garima Malik & A. Sajeevan Rao, 2019. "Extended expectation-confirmation model to predict continued usage of ODR/ride hailing apps: role of perceived value and self-efficacy," Information Technology & Tourism, Springer, vol. 21(4), pages 461-482, December.
    2. Sohn, Stefanie, 2017. "A contextual perspective on consumers' perceived usefulness: The case of mobile online shopping," Journal of Retailing and Consumer Services, Elsevier, vol. 38(C), pages 22-33.
    3. Zhang, Wenqing & Liu, Liangliang, 2022. "Exploring non-users' intention to adopt ride-sharing services: Taking into account increased risks due to the COVID-19 pandemic among other factors," Transportation Research Part A: Policy and Practice, Elsevier, vol. 158(C), pages 180-195.
    4. Gabriel JIPA, 2018. "Mobile Applications Buying Opinions Exploration using Topic Modeling," Expert Journal of Economics, Sprint Investify, vol. 6(2), pages 44-55.
    5. Su-Chen(Cecilia) Lin & Mei-Chen Chuang & Chen-Yuan Huang & Chia-En Liu, 2023. "Nursing Staff’s Behavior Intention to Use Mobile Technology: An Exploratory Study Employing the UTAUT 2 Model," SAGE Open, , vol. 13(4), pages 21582440231, November.
    6. Christino, Juliana Maria Magalhães & Silva, Thaís Santos & Cardozo, Erico Aurélio Abreu & de Pádua Carrieri, Alexandre & de Paiva Nunes, Patricia, 2019. "Understanding affiliation to cashback programs: An emerging technique in an emerging country," Journal of Retailing and Consumer Services, Elsevier, vol. 47(C), pages 78-86.
    7. Brusch, Ines & Rappel, Nina, 2020. "Exploring the acceptance of instant shopping – An empirical analysis of the determinants of user intention," Journal of Retailing and Consumer Services, Elsevier, vol. 54(C).
    8. Kala Kamdjoug, Jean Robert & Wamba-Taguimdje, Serge-Lopez & Wamba, Samuel Fosso & Kake, Ingrid Bive'e, 2021. "Determining factors and impacts of the intention to adopt mobile banking app in Cameroon: Case of SARA by afriland First Bank," Journal of Retailing and Consumer Services, Elsevier, vol. 61(C).
    9. Lara Stocchi & Naser Pourazad & Nina Michaelidou & Arry Tanusondjaja & Paul Harrigan, 2022. "Marketing research on Mobile apps: past, present and future," Journal of the Academy of Marketing Science, Springer, vol. 50(2), pages 195-225, March.
    10. Miluska Murillo-Zegarra & Carla Ruiz-Mafe & Silvia Sanz-Blas, 2020. "The Effects of Mobile Advertising Alerts and Perceived Value on Continuance Intention for Branded Mobile Apps," Sustainability, MDPI, vol. 12(17), pages 1-20, August.
    11. Natarajan, Thamaraiselvan & Balasubramanian, Senthil Arasu & Kasilingam, Dharun Lingam, 2018. "The moderating role of device type and age of users on the intention to use mobile shopping applications," Technology in Society, Elsevier, vol. 53(C), pages 79-90.
    12. Perengki Susanto & Mohammad Enamul Hoque & Verselly Nisaa & Md Asadul Islam & Yusniza Kamarulzaman, 2023. "Predicting m-Commerce Continuance Intention and Price Sensitivity in Indonesia by Integrating of Expectation-Confirmation and Post-acceptance Model," SAGE Open, , vol. 13(3), pages 21582440231, July.
    13. Luceri, Beatrice & (Tammo) Bijmolt, T.H.A. & Bellini, Silvia & Aiolfi, Simone, 2022. "What drives consumers to shop on mobile devices? Insights from a Meta-Analysis," Journal of Retailing, Elsevier, vol. 98(1), pages 178-196.
    14. Nicky Terblanche & Martin Kidd, 2022. "Adoption Factors and Moderating Effects of Age and Gender That Influence the Intention to Use a Non-Directive Reflective Coaching Chatbot," SAGE Open, , vol. 12(2), pages 21582440221, May.
    15. Farzana Sharmin & Mohammad Tipu Sultan & Dake Wang & Alina Badulescu & Benqian Li, 2021. "Cultural Dimensions and Social Media Empowerment in Digital Era: Travel-Related Continuance Usage Intention," Sustainability, MDPI, vol. 13(19), pages 1-21, September.
    16. Phaninee Naruetharadhol & Sasichakorn Wongsaichia & Shenying Zhang & Chanchai Phonthanukitithaworn & Chavis Ketkaew, 2022. "Understanding Consumer Buying Intention of E-Commerce Airfares Based on Multivariate Demographic Segmentation: A Multigroup Structural Equation Modeling Approach," Sustainability, MDPI, vol. 14(15), pages 1-20, July.
    17. Sharma, Sujeet Kumar & Mangla, Sachin Kumar & Luthra, Sunil & Al-Salti, Zahran, 2018. "Mobile wallet inhibitors: Developing a comprehensive theory using an integrated model," Journal of Retailing and Consumer Services, Elsevier, vol. 45(C), pages 52-63.
    18. Ajimon George & Prajod Sunny, 2021. "Developing a Research Model for Mobile Wallet Adoption and Usage," IIM Kozhikode Society & Management Review, , vol. 10(1), pages 82-98, January.
    19. Liébana-Cabanillas, Francisco & Japutra, Arnold & Molinillo, Sebastián & Singh, Nidhi & Sinha, Neena, 2020. "Assessment of mobile technology use in the emerging market: Analyzing intention to use m-payment services in India," Telecommunications Policy, Elsevier, vol. 44(9).
    20. Farzana Sharmin & Mohammad Tipu Sultan & Daniel Badulescu & Alina Badulescu & Afrodita Borma & Benqian Li, 2021. "Sustainable Destination Marketing Ecosystem through Smartphone-Based Social Media: The Consumers’ Acceptance Perspective," Sustainability, MDPI, vol. 13(4), pages 1-24, February.

    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

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:ers:journl:v:xxii:y:2019:i:3:p:186-200. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Marios Agiomavritis (email available below). General contact details of provider: https://ersj.eu/ .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.