Category - Nuri WULANDARI

Indonesia Banking School, Indonesia


Investigating Forms of Capital as Alternative Loan Assessment for E-Entrepreneurs

Micro and small enterprise development are crucial to support a country’s economy, and microfinance is vital to support its growth. Currently, the microfinance industry is faced with two main challenges: to reduce credit risk and to avoid losing sight of its social purpose. The study argues that this is a matter of vicious circle that can be broken using a practical credit application evaluation. The research purpose is to investigate an alternative method for credit application assessment using one of classic sociological theory, the three forms of capital, consisting of economic capital, social capital, and cultural capital. A survey of 100 e-entrepreneurs operating in e-commerce revealed that only two of the three capitals affect the credit potential variable. The uniqueness of the study is in the utilization of alternative behavioral data, including social media activity, informal training, and religiosity to measure the credit potential of a respondent. The study’s results...

Read More
Aims & Scope

Expert Journal of Business and Management welcomes original academic articles to be published in open access.

Read more about Expert Journal of Business and Management→

Guide for Authors

This 'Guide for Authors' provides useful information about the publication process at Expert Journal of Business and Management.

Read 'Guide for Authors' →

Current Issue

Volume 5 of Expert Journal of Business and Management is now available online

View Current Issue →

Forthcoming Papers

View upcoming finance academic articles accepted for publication.

View Articles →

Send Your Article Now