Gusaptono, R. Hendry and Kristanto HC, R.Heru and Yuwono, Efendy S (2021) Do Financial Inclusion, Debt Behavior Affect Business Investment? Study in Small Medium Enterprise Customers of Bank BPD Yogyakarta Indonesia. Economics and Business Quarterly Reviews, 4 (3). pp. 185-191. ISSN 2775-9237
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Do Financial Inclusion, Debt Behavior Affect Business Investment Study in Small Medium Enterprise Customers of Bank BPD Yogyakarta Indonesia.pdf Download (910kB) | Preview |
Abstract
Bank, financial inclusion, debt behavior, and business investment greatly affect the economic growth of a region industry. The main purpose of this research is to examine the effect of bank behavior, financial inclusion, debt behavior on investment decisions of Micro, Small and Medium Enterprises customers at Bank BPD Yogyakarta, Indonesia. The research sample is BPD Yogyakarta customers Respondents as 200 entrepreneurs are customers who are in debt for business investment. The analysis model uses mediation regression with PLS. The results showed that bank behavior had a positive effect on financial inclusion. Bank behavior has a positive effect on debt behavior. Financial inclusion has a positive effect on business investment. Debt behavior has a positive effect on business investment. Financial inclusion, debt behavior mediates the influence of bank behavior on business investment. The implication of this research is that a clear bank behavior and high commitment of banks are needed in offering bank products. It takes commitment and supervision from the Bank in providing credit to customers so that the use of funds is in accordance with investment objectives.
| Item Type: | Article |
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| Uncontrolled Keywords: | Bank Behavior, Financial Inclusion, Debt Behavior, Business Investment. |
| Subjects: | H Social Sciences > HG Finance |
| Depositing User: | Dr.HC, MSi R HERU KRISTANTO |
| Date Deposited: | 20 Sep 2021 13:40 |
| Last Modified: | 20 Sep 2021 13:41 |
| URI: | http://eprints.upnyk.ac.id/id/eprint/26731 |
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