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This research aims to analyse the influence of attitude and inner group (herding) in making credit decision by micro, small, and medium enterprises (MSMEs) person. The samples of this research was conducted with 150 samples of 1350 units population of MSMEs in Salatiga and using purposive sampling technique in data collection. The results of this research shows that attitude and herding have a significant influence to interest and interest have a significant influence towards credit decision-making of MSMEs. This result is based on the calculation in this study by including intervening variables in the form of interest, giving the result that the direct effect between attitudes and herding with the decision to take credit on MSMEs becomes insignificant, but the relationship of interest with credit decision making is significant with a high t-statistic value. So that with the interest of being able to increase the urge to do something and that environmental factors also influence the interest or motivation of a person. Keywords—attitude; herding; interest in taking credit; credit decision-making

The Influence of Attitude and Herding on the Credit Decision-Making of Micro, Small, and Medium Enterprises