Analisis Pengaruh Literasi Keuangan, Kepribadian dan Sikap Keuangan terhadap Perilaku Pengelolaan Keuangan UMKM
DOI:
https://doi.org/10.35870/jemsi.v10i5.3227Keywords:
perilaku pengelolaan keuangan UMKM, literasi keuangan, kepribadian, sikap keuanganAbstract
Penelitian yang dilakukan bertujuan menganalisis pengaruh literasi keuangan, kepribadian dan sikap keuangan terhadap perilaku pengelolaan keuangan UMKM. Jenis penelitian yang dilakukan ini termasuk penelitian kuantitatif. Objek dalam penelitian yang menjadi UMKM di Kabupaten Pasuruan. Teknik dalam pengumpulan data memanfaatkan kuesioner. Uji validitas, dan reliabilitas telah dilakukan pada 93 orang. Hasil pengujian terbuktikan bahwa literasi keuangan berpengaruh positif, dan bersignifikan terhadap perilaku pengelolaan keuangan UMKM. Kepribadian berpengaruh positif, dan signifikan terhadap perilaku pengelolaan keuangan UMKM. Sikap keuangan berpengaruh positif dan signifikan terhadap perilaku pengelolaan keuangan UMKM. Hasil yang diperoleh nilai Adjusted R Square sebesar 57,6%. Hasil penelitian secara simultan dibuktikan bahwa literasi keuangan, kepribadian, dan sikap keuangan berpengaruh positif dan signifikan terhadap perilaku pengelolaan keuangan UMKM.
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