PENGAMBILAN KEPUTUSAN INDIVIDU YANG BERHUTANG BANK UNTUK WIRAUSAHA

This study aims to get an overview of the individuals who decide to be indebted to entrepreneurship with some psychological aspects and the impact of the debt on the business. This type of research is qualitative research with phenomenological methods. Data collection uses observations and interviews. The research informants were 3 people with a personal background for themselves and their families. Each subject has been in debt and his business is still running. Psychological aspects include bias, heuristic and framming effects,each of which determines the decision process for indebted individuals who are entrepreneurial. The research findings get similarities in the three informants, namely the availability aspect as a consideration for making bank loans. From the results of the study found that the three informants used the consideration of different aspects of psychology in making bank loans. The assumption of debt is the sharing of results and the way to get out of the capital problem to try to make indebted individuals manage their debts well, carefully,further increasing productivity and getting closer and surrender to God