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"Tujuan dari penelitian ini adalah untuk mengetahui faktor-faktor yang mempengaruhi keputusan pelaku usaha mikro dalam menentukan keinginan dan partisipasi kredit pada lembaga keuangan. Penelitian ini dilakukan dengan studi kasus pada kecamatan Pasar Minggu, Jakarta Selatan. Metode yang digunakan dalam penelitian ini adalah deskriptif kualitatif serta menggunakan model regresi probit untuk menganalisa 91 data sampel usaha mikro yang diambil pada bulan Mei 2014. Hasil penelitian ini menunjukkan bahwa variabel lama usaha, rencana pengembangan usaha, dan status sebagai penduduk Jakarta memiliki pengaruh signifikan pada keinginan untuk meminjam. Sedangkan variabel yang memiliki pengaruh signifikan pada partisipasi kredit adalah lama usaha, tingkat penghasilan, dan status miskin dari pelaku usaha mikro.

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The objective of this study is to identify the factors that influence the decision of microenterprises in determining willingness to borrow and credit participation to financial institutions. The research was conducted by case study on the Pasar Minggu sub-district, in South Jakarta city. The method used in this research is descriptive qualitative as well as using a probit regression model to analyze 91 sample data microenterprises taken in May 2014. The results of this study indicate that length of business, business plans, and satus as Jakarta's resident have a significant influence on the willingness to borrow. While the variables that have a significant influence on credit participation is length of business, income level, and status as a poor."

"This study is an attempt to investigate the motivation behind the decision to participate in thecredit market of SMEs from perspectives of behavioral finance and social capital theories. In addition,the study also examines the effect of behavioral finance and social capital factors on the creditsource selection among SMEs. This study’s design strategy involves conducting questionnaire surveysto SMEs owners and statistical techniques to analyze the determinants of credit participationand credit source selection of borrowers. The findings showed that personal traits of SMEs owners/managers in terms of behavioral finance factors such as debt and risk attitudes, present biased andoverconfidence and firms networking also have impacts on the firms’ credit participation and creditsource selection. The research is one of the few studies that consider the influence of behavioralfinance factors on firms financing decision. Furthermore, our result also contributes to explain thecommon use of informal credit market in developing countries."