PERAN NORMA SUBYEKTIF DAN MOTIVASI PENGUSAHA TERHADAP KEPUTUSAN PEMBIAYAAN UTANG UKM
Ni Made Suci, Ni Luh Wayan Sayang Telagawathi
Program Studi Manajemen
Fakultas Ekonomi
Universitas Pendidikan Ganesha
Abstract
This study aims to examine the effect of subjective norm on debt decisions of SME entrepreneurs both directly and through mediation of the achievement motivation of entrepreneurs. The study was conducted on handicraft SMEs in Bali Province with a total sample of 180 entrepreneurs who were determined by purposive sampling. Data collection by questionnaire then analyzed by SEM-PLS. The results of this study that 1) subjective norm has no effect on the debt decisions of SME entrepreneur-s 2) entrepreneur-s achievement motivation has a positive and significant effect on SME debt decisions, 3) Sujective norm has no effect on entrepreneur achievement motivation 6) achievement motivation no mediates the influence of entrepreneur-s subjective norm to the debt decisions of SME contexts
Keywords: entrepreneurs subjective norm, entrepreneur-s motivation and debt decision
Topic: Kewirausahaan Dan Inovasi Bisnis