Abstract
Loan Self Control (LSC) can be defined as the ability of self-control related to behavioral control, cognitive control, and decisional control in managing loans or debts for financial welfare. The study aims to determine the factors of loan self-control in Kredit Usaha Rakyat (KUR) banking customers of Micro Small Medium Enterprise (MSMEs) in Indonesia so that they can obtain three-time financing from banks. This study used 87 samples collected by purposive sampling technique. Primary data was collected using an online survey. Factor analysis formed 3 loan self-control factors, namely Behavioral control, Cognitive control and decisional control from 14 indicators tested.
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