Mardika, Dhoni Rizky Widya; Damayanti, Theresia Woro; … - In: Cogent business & management 11 (2024) 1, pp. 1-13
This study aims to examine the effect of application costs, trust reciprocity, and self-efficacy on discouraged borrowers and the role of gender as a moderating variable. Our sample was 356 micro, small, and medium enterprise actors in the manufacturing industry in Central Java Province,...