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All Journal Jurnal Edukasi (Ekonomi, Pendidikan dan Akuntansi) Accounting Information System, Taxes, and Auditing Journal (AISTA)
Dewi Zulvia
Sekolah Tinggi Ilmu Ekonomi "KBP" Padang
Computer Science & IT Economics, Econometrics & Finance Education Other

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Pengaruh Locus of Control, Financial Technology, dan Tingkat Pendidikan terhadap Perilaku Keuangan Pelaku UMKM Sektor Jasa di Kota Padang Kartika Kartika; Elsa Meirina; Teguh Hidayat; Dewi Zulvia; Desyani Umar
Jurnal Edukasi (Ekonomi, Pendidikan dan Akuntansi) Vol 14, No 1 (2026): Transformasi Bisnis Berkelanjutan
Publisher : Universitas Galuh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25157/je.v14i1.24139

Abstract

This study aims to analyze the effect of locus of control, financial technology utilization, and education level on the financial behavior of service sector MSME actors in Padang City. The problem in this study is the low level of financial management in MSMEs and the inconsistency of previous research results. The study used a quantitative approach with a sample of 85 MSME actors selected using convenience sampling technique. Data were collected through questionnaires and analyzed using multiple linear regression with SPSS 26. The results showed that financial technology and education level affect financial behavior, while locus of control has no effect. Simultaneously, all three variables have a significant effect on financial behavior with an R² value of 25.5%. The conclusion of this study is that access to technology and education are more dominant than internal psychological factors in shaping the financial behavior of service sector MSME actors in Padang City.
Pengaruh E-commerce dan Modal Usaha Terhadap Kinerja Keuangan UMKM Kota Padang Lindy Chintya Darma; Dewi Zulvia; Muhammad Rivandi; Anggi Saputra
Accounting Information System, Taxes and Auditing Journal (AISTA Journal) Vol. 5 No. 1 (2026): AISTA Journal
Publisher : Pusat Penelitian dan Pengabdian Kepada Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30630/aista.v5i1.118

Abstract

The purpose of this research is to examine the influence of e-commerce and business capital on the financial performance of MSMEs in the packaged culinary sector in Padang City. The variables used include the dependent variable, financial performance (Y), and the independent variables, e-commerce (X1) and business capital (X2). This research uses quantitative methods, collecting data by distributing questionnaires to 65 respondents using purposive sampling techniques. By using instrument tests (validity and reliability), classical assumption tests (normality, multicollinearity, heteroscedasticity), multiple linear regression, and hypothesis testing (t-test and F-test) with the help of the SPSS application, the results show that e-commerce has a positive and significant influence on the financial performance of MSMEs, business capital has a positive and significant influence, and simultaneously e-commerce and business capital have a positive and significant influence on the financial performance of MSMEs in the packaged culinary sector in Padang City.
Co-Authors Anggi Saputra Desyani Umar Elsa Meirina Kartika Kartika Lindy Chintya Darma Rivandi, Muhammad Teguh Hidayat