Abstract
Government efforts to improve the micro small and medium enterprises manifested in various programs such as financial aid programs like credit program. In the journey of credit program is not always smooth and the loan is still quite high. This study tries to analyze the behavior of credit program customers by implementing the Theory of Planned Behavior of Ajzen (1988). Measurement of variables with the instrument measured by Likert scale. Descriptive analyzes were performed to see whether or not the good level of each variable and regression studies to examine the relationship between the independent variable and dependent variable. The results showed that the intentions and behavior of the credit program customer is still low level. While the variables that influence a positive and significant impact on intentions are attitudes and perceived behavioral control are still categorized as low. That is the intention and the behavior of customers are still low originated from the attitudes and behavior control is low. Whereas subjective norm has been categorized quite good, but no significant effect on intentions and customer behavior. Implications of this research is : To develop the credit program should be improving the behavior, attitudes and perceived behavioral control of the credit program customers. 
 
 Keywords : attitude, subjective norm, perceived behavioral control, intention, behavior.
Sign-in/Register to access full text options 
Talk to us
Join us for a 30 min session where you can share your feedback and ask us any queries you have
Schedule a callDisclaimer: All third-party content on this website/platform is and will remain the property of their respective owners and is provided on "as is" basis without any warranties, express or implied. Use of third-party content does not indicate any affiliation, sponsorship with or endorsement by them. Any references to third-party content is to identify the corresponding services and shall be considered fair use under The CopyrightLaw.
