Published: 2024-08-01
Faktor - Faktor yang Mempengaruhi Financial Decision pada UMKM Sektor Kuliner di Kecamatan Astanaanyar Kota Bandung
DOI: 10.35870/jemsi.v10i4.2553
Annisa Sholehah, Devyanthi Syarif
-
Annisa Sholehah:
Universitas Teknologi Digital
-
Devyanthi Syarif:
Universitas Indonesia Membangun
Abstract
Penelitian ini bertujuan untuk mengetahui bagaimana pengaruh financial literacy, access to funding, dan financial risk tolerance terhadap financial decision. Metode penelitian yang digunakan yaitu metode kuantitatif dengan pendekatan verifikatif. Sampel pada penelitian ini sebanyak 85 UMKM di Kecamatan Astanaanyar Kota Bandung dengan teknik pengambilan sampel purposive sampling. Alat analisis yang digunakan yaitu SPSS versi 26. Hasil penelitian ini menunjukkan financial literacy berpengaruh positif signifikan terhadap financial decision, access to funding berpengaruh positif signifikan terhadap financial decision, dan financial risk tolerance tidak berpengaruh signifikan terhadap financial decision. Sedangkan financial literacy, access to funding, dan financial risk tolerance secara simultan berpengaruh terhadap financial decision.
Keywords
Article Information
This article has been peer-reviewed and published in the JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi). The content is available under the terms of the Creative Commons Attribution 4.0 International License.
-
Issue: Vol. 10 No. 4 (2024)
-
Section: Articles
-
Published: 2024-08-01
-
License: CC BY 4.0
-
Copyright: © 2024 Authors
-
DOI: 10.35870/jemsi.v10i4.2553
AI Research Hub
This article is indexed and available through various AI-powered research tools and citation platforms. Our AI Research Hub ensures that scholarly work is discoverable, accessible, and easily integrated into the global research ecosystem.
No author biographies available.
-
Andriani dkk. (2022). Kewirausahaan untuk Mahasiswa dan UMKM. Indramayu: Penerbit Adab.
-
Arianti. 2021. Literasi Keuangan (Teori dan Implementasinya). Banyumas: CV. Pena Persada.
-
Arifin R et al. (2021). The Important Role Of MSMEs In Improving The Economy. South East Asia Journal of
-
Contemporary Business, Economics, and Law, 24(6) ISSN 2289-1560
-
Kasmir. (2018). Bank dan Lembaga Keuangan Lainnya. Jakarta: Rajawali Pers.
-
Qur’ani, M. A., Saputro, A. H., & Herlinawati, E. (2024). Pengaruh Brand Image, Harga, Dan Lokasi Terhadap Keputusan Pembelian Rumah Di Pt Riscon Victory (Studi Kasus Pada Perumahan Grand Riscon Rancaekek). JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi). JEMSI (Jurnal Ekonomi, Manajemen, Dan Akuntansi), 10 (3). 1500-1511. https://doi.org/10.35870/jemsi.v10i3.2416
-
Munthe, S. (2023). Pengaruh Literasi Keuangan Terhadap Keputusan Pembiayaan Pada UMKM. Jurnal Ilmu
-
Manajemen, 40-46
-
Pramesti D, Utomo S. (2022) Analisis Suku Bunga, Jangka Waktu Kredit, dan Kemudahan Kredit Terhadap
-
Keputusan Kredit UMKM Kota Malang. Jurnal Ekonomi Bisnis dan Pendidikan, 578-589, 2(5) ISSN
-
-1193 (online)
-
Rabbani & Nogre. (2022). De Gruyter Handbook of Personal Finance. Berlin/Boston: The Deutsche
-
Nationalbibliothek.
-
Rao P, Kumar S. (2018). Reflection of owner’s attributes in Financial Decisions of SMEs. Small Enterprise
-
Research, 52-68, 25(1) ISSN 1175-0979 (online)
-
Wahyuni S et al. (2023). Pengaruh Literasi Keuangan dan Risk Tolerance terhadap Keputusan Investasi. Journal
-
of Management and Accounting, 6(2), ISSN (online) 2620-9756
-
https://www.bandung.go.id/news/read/8649/sebanyak-13-pengusaha-kota-bandung-raih-umkm-award (Diakses, Januari 2024)
-
https://kadin.id/data-dan-statistik/umkm-indonesia/ (Diakses, Januari 2024)
Authors who publish with this journal agree to the following terms:
1. Copyright Retention and Open Access License
Authors retain copyright of their work and grant the journal non-exclusive right of first publication under the Creative Commons Attribution 4.0 International License (CC BY 4.0).
This license allows unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
2. Rights Granted Under CC BY 4.0
Under this license, readers are free to:
- Share — copy and redistribute the material in any medium or format
- Adapt — remix, transform, and build upon the material for any purpose, including commercial use
- No additional restrictions — the licensor cannot revoke these freedoms as long as license terms are followed
3. Attribution Requirements
All uses must include:
- Proper citation of the original work
- Link to the Creative Commons license
- Indication if changes were made to the original work
- No suggestion that the licensor endorses the user or their use
4. Additional Distribution Rights
Authors may:
- Deposit the published version in institutional repositories
- Share through academic social networks
- Include in books, monographs, or other publications
- Post on personal or institutional websites
Requirement: All additional distributions must maintain the CC BY 4.0 license and proper attribution.
5. Self-Archiving and Pre-Print Sharing
Authors are encouraged to:
- Share pre-prints and post-prints online
- Deposit in subject-specific repositories (e.g., arXiv, bioRxiv)
- Engage in scholarly communication throughout the publication process
6. Open Access Commitment
This journal provides immediate open access to all content, supporting the global exchange of knowledge without financial, legal, or technical barriers.