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All Journal Al-Kharaj: Journal of Islamic Economic and Business
Ainul Magfirah
Universitas Muhammadiyah Palopo
Economics, Econometrics & Finance

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The Influence of Mental Well-Being and Financial Management on the Financial Literacy of MSMEs in Bajo District, Luwu Regency Ainul Magfirah; Asriany; Andika Rusli
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 3 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i3.12130

Abstract

The purpose of this study is to analyze the influence of mental well-being and financial management on the financial literacy of MSMEs in Bajo District, Luwu Regency. Good mental well-being is expected to provide positive findings for MSMEs to manage their finances more effectively, while skilled financial management is expected to improve their understanding of financial concepts. This study used a quantitative approach with a survey methodology involving 60 MSMEs as respondents. Data were collected using a questionnaire measuring the level of mental well-being, financial management, and financial literacy. The findings show that both mental well-being and financial management have a positive influence on the financial literacy of MSMEs. These findings suggest that stable mental well-being and good financial management can improve the ability of MSMEs to manage and plan their business finances, which in turn can support the sustainability and growth of their businesses. This study has important implications for the development of education and training programs that combine aspects of mental well-being and financial management to improve the financial literacy of MSMEs in the region.
Co-Authors Andika Rusli Asriany Asriany