Determinants of Online Sellers Intention in to Apply Micro Credit

Fermico Karambut, Hartoyo Hartoyo, Rita Nurmalina, Mukhamad Najib


The contribution of MSMEs to Indonesia's Gross Domestic Product (GDP) reached 61.41%, but only about 8% of MSME players have used e-commerce. One of the government policies to encourage MSMEs going online is to facilitate access to have microcredit (KUR) which has tailored to the e-commerce business model. This study aimed to look at the relationship of demography and characteristics of online business with the intention of to apply microcredit since the location and type of business of MSMEs are mostly not fixed. The data were obtained by online survey to the respondents selected by convenience sampling. This study used descriptive analysis and cross tabulation analysis of 235 respondents who are registered as members of the Indonesian Online Sellers Association. The results of the study showed that only the types of online business and other sources of income were significantly related to the intention in to apply for microcredit. Credit lending through media e-marketplaces could identify proper financing for the type of business for MSMEs. Further research by utilizing e-marketplace merchant database will provide a better description of MSME models for the intention in to apply microcredit.


e-marketplace, intention, microcredit, MSME, online seller

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