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All Journal Jurnal Ekonomi dan Manajemen Indonesia
Dyah Wahyu Nastiti
University of Nusa Cendana
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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FINANCIAL LITERACY INNOVATION FOR ENHANCING THE FINANCIAL CAPABILITIES OF MSME Anggi Somba Poddala; Sonia Virginia Nawi; Yonas Ferdinand Riwu; Dyah Wahyu Nastiti
JEMI is managed and published by the Management Study Program, Faculty of Economics and Business, Kutai Kartanegara University. Institutional legality is reflected in the ISSN number: 1411-9560 published by LIPI in 2003 as a manifestation of the comm Vol 26 No 1 (2026)
Publisher : FAKULTAS EKONOMI DAN BISNIS UNIKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53640/18a4wy81

Abstract

This study aims to examine the influence of financial behavior, financial attitudes, and financial knowledge on the financial capabilities of MSMEs in Kupang City, as well as to understand the interaction of these three dimensions of financial literacy in improving MSME financial capabilities. The methodology used was a quantitative technique with an exploratory design. Data was collected through an online questionnaire distributed to 200 MSMEs in Kupang City, targeting only 173 MSMEs. Data were analyzed using SPSS 25. The results of this study indicate that financial behavior and attitudes have a significant influence on improving the financial capabilities of MSMEs in Kupang City. Financial knowledge has little impact if not balanced with supportive habits and attitudes. This study emphasizes the importance of a comprehensive financial literacy program to increase knowledge and improve financial behavior and attitudes of MSMEs in Kupang City in order to enhance their financial capabilities
Co-Authors Anggi Somba Poddala Sonia Virginia Nawi Yonas Ferdinand Riwu