IDEAS home Printed from https://ideas.repec.org/h/spr/advbcp/978-94-6463-234-7_22.html

Does Asymmetric Information Perception Relate to MSMEs’ Access to Banking Credit?

In: Proceedings of the 7th Global Conference on Business, Management, and Entrepreneurship (GCBME 2022)

Author

Listed:
  • Syti Sarah Maesaroh

    (Universitas Pendidikan Indonesia, Faculty of Economic and Business Education)

  • Agus Rahayu

    (Universitas Pendidikan Indonesia, Faculty of Economic and Business Education)

  • Lili Adi Wibowo

    (Universitas Pendidikan Indonesia, Faculty of Economic and Business Education)

  • Alfira Sofia

    (Universitas Pendidikan Indonesia, Faculty of Economic and Business Education)

  • Risma Rahatuningtyas

    (Tasikmalaya Campus, Universitas Pendidikan Indonesia)

Abstract

One of the problems faced by MSMEs in Indonesia is related to finance. MSMEs experience obstacles, especially in obtaining loan funds for business operations. This study analyzed the factors that determine MSMEs’ access to formal credit from banks. The research method used was path analysis to test a theory-based model of causal, direct, and indirect relationships among financial literacy, the proportion of owned capital, use of fintech, asymmetric information perception, and access to bank credit. The results showed that the asymmetric perception of information positively and significantly mediated the relationship between the effect of financial literacy and the proportion of own capital on access to bank credit. Meanwhile, asymmetric information perception did not affect the mediation of the relationship between fintech use and access to bank credit. This study showed that reducing information asymmetry can be done to increase MSME access to credit.

Suggested Citation

  • Syti Sarah Maesaroh & Agus Rahayu & Lili Adi Wibowo & Alfira Sofia & Risma Rahatuningtyas, 2024. "Does Asymmetric Information Perception Relate to MSMEs’ Access to Banking Credit?," Advances in Economics, Business and Management Research, in: Ratih Hurriyati & Lili Adi Wibowo & Ade Gafar Abdullah & Sulastri & Lisnawati & Yusuf Murtadlo (ed.), Proceedings of the 7th Global Conference on Business, Management, and Entrepreneurship (GCBME 2022), pages 233-242, Springer.
    • Handle: RePEc:spr:advbcp:978-94-6463-234-7_22
    DOI: 10.2991/978-94-6463-234-7_22
    as

    Download full text from publisher

    To our knowledge, this item is not available for download. To find whether it is available, there are three options:
    1. Check below whether another version of this item is available online.
    2. Check on the provider's web page whether it is in fact available.
    3. Perform a
    for a similarly titled item that would be available.

    More about this item

    Keywords

    ;
    ;
    ;
    ;

    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:spr:advbcp:978-94-6463-234-7_22. 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.

    We have no bibliographic references for this item. You can help adding them by using 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: Sonal Shukla or Springer Nature Abstracting and Indexing (email available below). General contact details of provider: http://www.springer.com .

    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.