• Journal of Digital Convergence
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• v.16 no.6
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• pp.27-35
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• 2018

This study aims to develop the scale for business effectiveness targeting microcredit users. For this, based on domestic preceding researchers empirically handling the microcredit and also focus group interviews with users and specialists, total 30 preliminary questions were composed. After that, conducting the exploratory factor analysis targeting 127 finally collected surveys, in the results of analysis, the scale validity of three factors and 24 questions was verified. Also, considering the goodness-of-fit of model through the confirmatory factor analysis, the effectiveness scale of microcredit business was determined. The concrete factors included 5 questions of the store operation, 3 questions of business start-up satisfaction, and 16 questions of management competency. Lastly, based on the effectiveness scale of business developed by this study, the research direction and the practical development direction of microcredit was suggested.