Supramono_abstract_1412010

PERSEPSI DAN FAKTOR PSIKOLOGIS DALAM
PENGAMBILAN KEPUTUSAN UTANG

Supramono
Nancy Putlia
Program Pascasarjana Magister Manajemen
Universitas Kristen Satya Wacana
Jl. Diponegoro No.52-60 Salatiga, 50711

Korespondensi dengan Penulis:
Supramono: Telp. +62 298 321 212, Fax. +62 298 329 200
E-mail: supramono@staff.uksw.edu

Abstract
The finance literature supported an increasing role for psychological aspects in the context of financial decision making. This paper explored perception of the owner and psychological aspects related to debt as source of fund.  Samples were the owner of industry of fermented soybean cake in Salatiga. The result of this study showed that the owner had perception that debt was as stimulator. It meant debt encouraged the owner more professional in financial management, work better, more productive and discipline. The study also documented that overconfidence, illusion of control and availability played important role in the debt decision.
Key words: overconfidence, illusion of control,  availability

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