The Influence of Income, Financial Literacy, Financial Attitudes, Personality and Locus of Control on Financial Management Behavior in MSMEs in Jember
Article Sidebar
Main Article Content
Abstract
This study aims to determine and analyze the influence of income, financial literacy, financial attitudes, personality and locus of control partially and simultaneously on Financial Management Behavior. This type of research uses a Quantitative approach, the population in this study is aimed at MSME actors in Semboro District, Jember, totaling 563 MSMEs. The sample used was 85 respondents using the Simple Random Sampling technique. The analysis tool uses data instrument testing, classical assumption testing, multiple linear regression analysis, coefficient of determination and hypothesis testing using SPSS v.25. The results of the study prove that Income, Financial Literacy, Financial Attitudes, Personality, and Locus Of Control have a significant partial effect on financial management behavior in MSME actors in Semboro District, Jember, as well as Income, Financial Literacy, Financial Attitudes, Personality, and Locus Of Control have a significant simultaneous effect on financial management behavior in MSME actors in Semboro District, Jember
Article Details
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
References
Aji, E. M., Aziz, A., Wahyudi, W. (2020). Analysis of Financial Behavior among MSME Players in Pagedangan Village, Tangerang. Proceedings of Biema: Business Management, Economics, and Accounting National Seminar, 1, 75–89.
Budiasni., N., W., N., Ferayani., M., D. (2023). The Importance of Financial Literacy, Locus of Control, and Financial Inclusion on Financial Behavior in the MSME Sector. COSTING: Journal of Economics, Business and Accounting. 7(1), 144-150.
Harahap., Y., T., Aziz., A., Cahyani., D. (2020). Financial Behavior of MSME Actors in Cinere Village, Depok. Scientific Journal of Unitary Management. 8(3), 225-238.
Kustiyana., Y., B., Wijayanti., D., L., Purwiyanta. (2021). The Influence of Literacy, Financial Attitude, and Income on MSME Financial Management (Study of MSMEs Assisted by the DIY Cooperative and SME Service). Journal of economic perspectives. 14(1), 30-41.
Ningsih, W. F., Handayani, Y. I., & Astuti, D. D. (2021). EMKM ACCOUNTING TRAINING THROUGH THE SI APIK APPLICATION FOR THE YOUTH OF KARANG TARUNA TUNAS NANGSA, WONOASRI VILLAGE, KEC. TEMPUREJO DISTRICT. JEMBER. JOURNAL OF COMMUNITY SERVICE (JPM), 1(1), 13-19.
Nurjanah., R., Surhayani., S., Asiah., N. (2022). Demographic Factors, Financial Literacy, Financial Attitudes towards Financial Management Behavior in MSMEs in Bekasi Regency. Pelita Bangsa Business Accounting Journal. 7(1), 1-16.
Ojk.go.id. (November, 22). Press Release: 2022 National Survey of Financial Literacy and Inclusion, https://www.ojk.go.id accessed on 26 November 2023.
Pradiningtyas, T. E., & Lukiastuti, F. (2019). The Influence of Financial Knowledge and Financial Attitudes on the Locus of Control and Financial Management Behavior of Economics Students. Minds Journal: Management of Ideas and Inspiration, 6(1), 96-112.
Risnaningsih. (2017). Financial Management of Micro Enterprises Using the Economic Entity Concept, 41-50.
SNLIK OJK. (2020). Indonesia's National Financial Literacy Strategy. In Financial Services Authority.
Sugiyono, (2016). Quantitative, Qualitative and R&D Research Methods, Bandung, Alfabeta.
Widagdo, S., Dimyati, M., Handayani, I. Y., (2021) Management Research Methods: Easy Ways to Prepare Research Proposals and Reports. Jember: Mandala Press.
Yahya, A. (2021). Determinants of Student Consumptive Behavior. Journal of Entrepreneurship Development, 23(01), 37–50.
Yuhaprizon. (2022). The Influence of Financial Knowledge, Attitudes and Personality on Financial Behavior and Its Implications for Financial Performance (A Study of MSME Players at Shoe Craft Centers in Cibaduyut and Ciomas, West Java Province). Tambusai Education Journal. 6(1), 4729-4746.
Yusnia, Jubaedah. (2017). The Influence of Income, Locus of Control, and Financial Knowledge on the Financial Behavior of MSMEs in Cinere District. Economics and Business. 4(2), 173-196.