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Objective: The aim of this research is to analyze the factors that influence small traders' decisions in borrowing money from loan sharks. Method: This research uses Behavioral Planning Theory (TPB) as a quantitative analysis framework. Results and Discussion: The results of data processing show that the financial behavior of small traders is influenced by factors such as ease of loans, disbursement without time constraints, social communication, payment flexibility, and other social dimensions. The research results provide insight into the complex dynamics of small traders' financial behavior and provide a basis for finding relevant and sustainable solutions in increasing fairer financial access at the community level. Research Implications: This research investigates the financial behavior of small traders who interact with moneylenders in the context of communal finance. Amid intense market competition, small traders face financial differentiation, creating complexity in their financial behavior. Limited access to finance and the complex role of moneylenders makes it difficult for small traders to manage debt. Originality/Value: This research can help design better policies to support the economic sustainability of small traders and overcome the financial challenges they face.
Sungkawaningrum et al. (Mon,) studied this question.