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Entrepreneurship and Sustainability Issues Open access
Journal Impact FactorTM (2022) 1.7
Journal Citation IndicatorTM (2022) 0.42
Received: 2019-08-18  |  Accepted: 2019-12-10  |  Published: 2020-03-30

Title

Impact of entrepreneurial characteristics on credit accessibility: case study of small businesses in West Sumatera – Indonesia


Abstract

Currently, the studies on entrepreneurial characteristics do not distinguish the business scales, while different scales of businesses, i.e. small, medium to large scales have their own characteristics. The purpose of this research was to determine whether business performance mediates the impact of entrepreneurial characteristics on accessing credit at small-scale business. In this study, a total of 221 questionnaires was distributed to the respondents of small enterprises entrepreneurs in West Sumatera Province, Indonesia using the method of the purposive random sampling. The hypotheses were tested using survey data from small enterprises that had obtained bank loan. For data analysis, the Structural Equation Model (SEM) was used. Based on the study results, the entrepreneurial characteristics positively affect the business performance, which then positively affects the chances of access to the credit. Ultimately, it was proven that entrepreneurial characteristics affect the access to credit. The research finding highlights the important of the role of business performance in mediating the effect of entrepreneurial characteristics on credit access. Therefore, it is recommended that there should be a strategy to strengthen the entrepreneurial characteristics to improve the small business performance. In addition, the entrepreneurs are recommended to develop and maintain a strong entrepreneurial characteristics.


Keywords

entrepreneurial characteristics, business performance, small business, credit access


JEL classifications

M10 , B21 , L20


URI

http://jssidoi.org/jesi/article/487


DOI


Pages

1760-1777


Funding

The research was supported by the Ministry of Finance-Indonesia through Lembaga Pengelola Dana Pendidikan (LPDP) and Ministry of Research, Technology and Higher Education (Kementerian Riset, Teknologi dan Pendidikan Tinggi), Indonesia

This is an open access issue and all published articles are licensed under a
Creative Commons Attribution 4.0 International License

Authors

Chandrayanti, Teti
Ekasakti University, Padang, Indonesia https://unespadang.ac.id
Padjadjaran University, Sumedang, Indonesia http://www.unpad.ac.id
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Nidar, Sulaeman Rahman
Padjadjaran University, Sumedang, Indonesia http://www.unpad.ac.id
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Mulyana, Asep
Padjadjaran University, Sumedang, Indonesia http://www.unpad.ac.id
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Anwar, Mokhamad
Padjadjaran University, Sumedang, Indonesia http://www.unpad.ac.id
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Journal title

Entrepreneurship and Sustainability Issues

Volume

7


Number

3


Issue date

March 2020


Issue DOI


ISSN

ISSN 2345-0282 (online)


Publisher

VšĮ Entrepreneurship and Sustainability Center, Vilnius, Lithuania

Cited

Google Scholar

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References