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primary topic: NIAT MENGGUNAKAN LAYANAN BSI MIKRO KUR PADA UMKM: APPLICATION OF BEHAVIORAL REASONING THEORY

NIAT MENGGUNAKAN LAYANAN BSI MIKRO KUR PADA UMKM: APPLICATION OF BEHAVIORAL REASONING THEORY
type: Thesis
type: Article
abstract: This study aims to analyze the intention to use BSI Mikro KUR services by applying Behavioral Reasoning Theory (BRT). The research model examines the influence of values and beliefs on reasons for, reasons against, attitudes, and intentions to use. This study used a quantitative approach with a survey method of micro-business owners. Data were analyzed using Structural Equation Modeling based on Partial Least Squares (SEM-PLS). The results showed that values and beliefs did not have a significant direct effect on intention to use. However, values and beliefs influenced the formation of behavioral reasons, which in turn influenced attitudes and intentions. The attitude variable was shown to have a positive and significant effect on intention to use. These findings indicate that intention to use BSI Mikro KUR services is more influenced by rational evaluation through reasons and attitudes than by values and beliefs directly. Theoretically, these results strengthen BRT, which states that values and beliefs are distal factors that operate through the mechanisms of reasons and attitudes before forming behavioral intentions.
date: 2026-04-09
status: published
author list: authors
type: EPrint
type: ThesisEPrint
is part of: repository
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subject: 297.273 Islam dan Ilmu Ekonomi, Perbankan Syariah, Lembaga Keuangan Syariah

NIAT MENGGUNAKAN LAYANAN BSI MIKRO KUR PADA UMKM: APPLICATION OF BEHAVIORAL REASONING THEORY (Text)
type: Document
has file: 22108030024_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf
has part: 22108030024_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf

NIAT MENGGUNAKAN LAYANAN BSI MIKRO KUR PADA UMKM: APPLICATION OF BEHAVIORAL REASONING THEORY (Text)
type: Document

UIN SUNAN KALIJAGA YOGYAKARTA
type: Organization

FAKULTAS EKONOMI DAN BISNIS ISLAM, UIN SUNAN KALIJAGA YOGYAKARTA
type: Organization

NIM.: 22108030024 Trisnawati
type: Person
given name: NIM.: 22108030024
family name: Trisnawati

NIAT MENGGUNAKAN LAYANAN BSI MIKRO KUR PADA UMKM: APPLICATION OF BEHAVIORAL REASONING THEORY (Other)
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NIAT MENGGUNAKAN LAYANAN BSI MIKRO KUR PADA UMKM: APPLICATION OF BEHAVIORAL REASONING THEORY (Other)
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NIAT MENGGUNAKAN LAYANAN BSI MIKRO KUR PADA UMKM: APPLICATION OF BEHAVIORAL REASONING THEORY (Other)
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NIAT MENGGUNAKAN LAYANAN BSI MIKRO KUR PADA UMKM: APPLICATION OF BEHAVIORAL REASONING THEORY (Other)
type: Document
is version of: NIAT MENGGUNAKAN LAYANAN BSI MIKRO KUR PADA UMKM: APPLICATION OF BEHAVIORAL REASONING THEORY (Text)
is volatile version of: NIAT MENGGUNAKAN LAYANAN BSI MIKRO KUR PADA UMKM: APPLICATION OF BEHAVIORAL REASONING THEORY (Text)
islightbox thumbnail version of: NIAT MENGGUNAKAN LAYANAN BSI MIKRO KUR PADA UMKM: APPLICATION OF BEHAVIORAL REASONING THEORY (Text)

NIAT MENGGUNAKAN LAYANAN BSI MIKRO KUR PADA UMKM: APPLICATION OF BEHAVIORAL REASONING THEORY (Other)
type: Document
is version of: NIAT MENGGUNAKAN LAYANAN BSI MIKRO KUR PADA UMKM: APPLICATION OF BEHAVIORAL REASONING THEORY (Text)
is volatile version of: NIAT MENGGUNAKAN LAYANAN BSI MIKRO KUR PADA UMKM: APPLICATION OF BEHAVIORAL REASONING THEORY (Text)
ispreview thumbnail version of: NIAT MENGGUNAKAN LAYANAN BSI MIKRO KUR PADA UMKM: APPLICATION OF BEHAVIORAL REASONING THEORY (Text)

NIAT MENGGUNAKAN LAYANAN BSI MIKRO KUR PADA UMKM: APPLICATION OF BEHAVIORAL REASONING THEORY (Other)
type: Document
is version of: NIAT MENGGUNAKAN LAYANAN BSI MIKRO KUR PADA UMKM: APPLICATION OF BEHAVIORAL REASONING THEORY (Text)
is volatile version of: NIAT MENGGUNAKAN LAYANAN BSI MIKRO KUR PADA UMKM: APPLICATION OF BEHAVIORAL REASONING THEORY (Text)
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NIAT MENGGUNAKAN LAYANAN BSI MIKRO KUR PADA UMKM: APPLICATION OF BEHAVIORAL REASONING THEORY (Other)
type: Document
is version of: NIAT MENGGUNAKAN LAYANAN BSI MIKRO KUR PADA UMKM: APPLICATION OF BEHAVIORAL REASONING THEORY (Text)
is volatile version of: NIAT MENGGUNAKAN LAYANAN BSI MIKRO KUR PADA UMKM: APPLICATION OF BEHAVIORAL REASONING THEORY (Text)
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primary topic: NIAT MENGGUNAKAN LAYANAN BSI MIKRO KUR PADA UMKM: APPLICATION OF BEHAVIORAL REASONING THEORY

297.273 Islam dan Ilmu Ekonomi, Perbankan Syariah, Lembaga Keuangan Syariah
type: Concept