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

Syti Sarah Maesaroh; Agus Rahayu; Lili Adi Wibowo; Alfira Sofia; Risma Rahatuningtyas

doi:10.2991/978-94-6463-234-7_22

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

Authors

Syti Sarah Maesaroh¹^{, *}, Agus Rahayu¹, Lili Adi Wibowo¹, Alfira Sofia¹, Risma Rahatuningtyas²

¹Faculty of Economic and Business Education, Universitas Pendidikan Indonesia, Bandung, Indonesia

²Tasikmalaya Campus, Universitas Pendidikan Indonesia, Tasikmalaya, Indonesia

^*Corresponding author. Email: sytisarah@upi.edu

Corresponding Author

Syti Sarah Maesaroh

Available Online 29 September 2023.

DOI: 10.2991/978-94-6463-234-7_22 How to use a DOI?
Keywords: Credit; Financial; Loan; MSMEs
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.
Copyright: © 2024 The Author(s)
Open Access: Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title: Proceedings of the 7th Global Conference on Business, Management, and Entrepreneurship (GCBME 2022)
Series: Advances in Economics, Business and Management Research
Publication Date: 29 September 2023
ISBN: 978-94-6463-234-7
ISSN: 2352-5428
DOI: 10.2991/978-94-6463-234-7_22 How to use a DOI?
Open Access: Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

ris enw bib

TY  - CONF
AU  - Syti Sarah Maesaroh
AU  - Agus Rahayu
AU  - Lili Adi Wibowo
AU  - Alfira Sofia
AU  - Risma Rahatuningtyas
PY  - 2023
DA  - 2023/09/29
TI  - Does Asymmetric Information Perception Relate to MSMEs’ Access to Banking Credit?
BT  - Proceedings of the 7th Global Conference on Business, Management, and Entrepreneurship (GCBME 2022)
PB  - Atlantis Press
SP  - 233
EP  - 242
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-234-7_22
DO  - 10.2991/978-94-6463-234-7_22
ID  - Maesaroh2023
ER  -

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