Pengaruh Pengetahuan Keuangan, Sikap Keuangan Dan Kepribadian Terhadap Perilaku Manajemen Keuangan Pada Pelaku UMKM Di Kecamatan Air Putih Kabupaten Batubara

Abstract

The purpose of this research is to know how much influence of financial knowledge, the influence of financial attitude and the influence of personality towards financial management behavior on SMEs at Home Industrial Food on Air Putih Disctricts of Batubara Regency. This research is a quantitative study with a data-collection technique using a questionnaire. This research subject is the whole business of SMEs the Home-cooked culinary Industry, total of 45 SMEs subject. The sample retrieval technique used was non probability sampling through the saturated sampling method. The criteria established are at home culinary industries that make it about income a mounth, old business and number of employees. Primary data processing uses analysis technique statistical package for social science (SPSS) with multiple regression analysis methods and strip analysis. This research there was positive influence of financial knowledge towards financial management behavior, where as negative influence of financial attitude towards financial management behavior on SMEs temporary there was positive influence of personality towards financial management behavior on SMEs Home culinary Industry Air Putih district of Batubara Regency.

The Effect of Financial Literacy, Financial Knowledge, Financial Attitudes and Personality on Financial Management Behavior in MSME

“…A person's mastery of a variety of aspects of the financial industry, including financial tools and financial skills, is another definition of financial knowledge by Humaira & Sagoro (2018) states that having a solid understanding of finances has a positive and significant impact on how people manage their money. This study findings consistent with previous research by Dayanti et al (2020), Tampubolon & Rahmadani (2022), Handayani et al (2022), Pujiyanti & Purwanti (2022).…”

“…Research conducted by Djou (2019) states that personality influences positive and significant on financial management behavior. There are several studies that are consistent with the findings of this study, namely research conducted by Humaira & Sagoro (2018), Pujiyanti & Purwanti (2022), Tampubolon & Rahmadani (2022). States that personality has a positive and significant effect on financial management behavior.…”

Financial Modelling of Metal and Mineral Mining Companies in Indonesia using Altman Z-scores

“…Companies fall into the grey zone if their Z-scores are between 1.22 and 2.90. A company is deemed to have serious financial difficulties and is at risk of bankruptcy if its Z-score is less than 1.22 (Tampubolon, 2013).…”

Pengaruh Pengetahuan Keuangan, Sikap dan Kepribadian terhadap Perilaku Manajemen Keuangan Pelaku UMKM

“…Usaha Mikro, Kecil dan Menengah yang biasa disebut UMKM merupakan unit usaha yang berdiri sendiri dan dikelola oleh perorangan [1]. Penelitian yang dilakukan di beberapa negara telah membuktikan bahwa sektor UMKM mampu memberi kontribusi yang besar baik dalam hal penyerapan tenaga kerja maupun pendapatan nasional suatu Negara [2]. Badan Pusat Statistik Indonesia (BPS) pada laporan triwulan ke-2 tahun 2022 mengungkapkan bahwa kontribusi terbesar PDB Nasional berasal dari Pulau Jawa yaitu 57,78% dan DKI Jakarta menjadi provinsi dengan penyumbang PDB terbesar yaitu 16,66% dengan menduduki peringkat ke-4 dalam hal jumlah UMKM setelah provinsi Jawa Barat, Jawa Tengah dan Jawa Timur [3].…”