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

Syti Sarah Maesaroh (), Agus Rahayu, Lili Adi Wibowo, Alfira Sofia and Risma Rahatuningtyas
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Syti Sarah Maesaroh: Universitas Pendidikan Indonesia, Faculty of Economic and Business Education
Agus Rahayu: Universitas Pendidikan Indonesia, Faculty of Economic and Business Education
Lili Adi Wibowo: Universitas Pendidikan Indonesia, Faculty of Economic and Business Education
Alfira Sofia: Universitas Pendidikan Indonesia, Faculty of Economic and Business Education
Risma Rahatuningtyas: Tasikmalaya Campus, Universitas Pendidikan Indonesia

A chapter in Proceedings of the 7th Global Conference on Business, Management, and Entrepreneurship (GCBME 2022), 2024, pp 233-242 from Springer

Abstract: 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.

Keywords: Credit; Financial; Loan; MSMEs (search for similar items in EconPapers)
Date: 2024
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DOI: 10.2991/978-94-6463-234-7_22

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