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All Journal Jurnal Studi Manajemen Organisasi EBSJ
Adhi Widyakto
Department of Management, Faculty of Economics, University of Semarang
Economics, Econometrics & Finance

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ENHANCING THE PERSONAL FINANCIAL MANAGEMENT PRACTICES OF SMES BY EXAMINING FINANCIAL ATTITUDE, LITERACY, AND KNOWLEDGE: A STUDY FOCUSED ON SMES IN CENTRAL JAVA Adhi Widyakto; Susanto Susanto; Sugeng Rianto; Muhammad Hakimi
JURNAL STUDI MANAJEMEN ORGANISASI Vol 23, No 1 (2026): 2026
Publisher : Faculty of Economics and Business | Universitas Diponegoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/jsmo.v23i1.76250

Abstract

This study aims to enhance the Personal Financial Management Practices Of SMEs by Examining Financial Attitude, Literacy, And Knowledge: A Study Focused On SMEs in Central Java. The respondents were MSME actors in the food and beverage sector in Central Java District, with a sample size of 70 MSMEs. The study employed purposive sampling, and data analysis was conducted using SmartPLS version 4.0. The research results indicate that financial attitude significantly and positively affects the locus of control; financial literacy has a negative but significant impact on the locus of control; financial knowledge significantly and positively influences the locus of control. Additionally, financial attitude has a significant positive effect on personal financial management behavior, whereas financial literacy has a negative and insignificant effect. Financial knowledge strongly influences personal financial management behavior positively and significantly. The locus of control also has a significant positive impact on personal financial management behavior. Furthermore, financial attitude influences personal management behavior positively through the locus of control as an intervening variable. Conversely, financial literacy shows a negative effect, while financial knowledge exhibits a positive and significant impact on personal financial management behavior.
Does Profitability Moderate Firm Financial Performance towards Firm Value in the Food and Beverage-Based Sector? Adhi Widyakto; Ayu Nurafni Octavia; Susanto Susanto; Rifka Indi; Abdul Ghafar Ismail
Economics and Business Solutions Journal Vol. 9 No. 2 (2025): Economics and Business Solutions Journal
Publisher : Universitas Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26623/ebsj.v9i2.12476

Abstract

This study was conducted to determine how to increase company value based on Capital, Debt Policy, and Sales Growth with Profitability as a Moderating variable in Food and Beverage Companies listed on the IDX for the 2021-2023 period. The sampling method used is Purposive Sampling. The sample is 11 companies listed on the IDX. The data processing method used is the Quantitative Method with the help of Smart PLS software version 4.0. The results of this study indicate that the Current Ratio has a positive and significant effect on Price Book Value. Debt-to-Equity Ratio has a positive and significant effect on Price-to-Book Value. Sales Growth has a positive and significant effect on Price Book Value. Return on Assets can moderate the Current Ratio on Price Book Value. Return on Assets moderates the Debt to Equity Ratio on Price to Book Value. Return On Assets moderates Sales Growth on Price Book Value.
Co-Authors Abdul Ghafar Ismail Ayu Nurafni Octavia Muhammad Hakimi Rifka Indi Sugeng Rianto Susanto Susanto