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All Journal Al-Buhuts (e-journal)
Musdalipa Musdalipa
Universitas Muslim Maros
Economics, Econometrics & Finance

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Dampak Literasi Keuangan Terhadap Pengelolaan Keuangan Usaha Mikro Kecil dan Menengah (UMKM) di Kecamatan Bantimurung Kabupaten Maros Mustafa Mustafa; Syamsul Bakhtiar Ass; Musdalipa Musdalipa; Muhammad Nurjaya
Al-Buhuts Vol. 22 No. 1 (2026): Al-Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ab.v22i1.8075

Abstract

Micro, Small, and Medium Enterprises (MSMEs) still face challenges in applying financial knowledge to business management practices. This study aims to examine the relationship between financial literacy and financial management in MSMEs in Bantimurung Subdistrict, Maros Regency. The study employed a quantitative approach involving 97 MSME owners selected through simple random sampling. Data were collected via a questionnaire and analyzed using simple linear regression. The results indicate that financial literacy has a positive and significant relationship with SME financial management (β = 0.732; t = 10.478; p < 0.001). The coefficient of determination (R² = 0.536) indicates that financial literacy explains 53.6% of the variation in financial management within the model, while the remaining 46.4% is not explained by the model. These findings suggest that financial literacy is a key factor influencing the ability of MSME owners to manage their business finances. The research results imply the need to strengthen financial literacy and mentoring programs that are oriented toward practical application in MSMEs financial management.
Co-Authors Muhammad Nurjaya Mustafa Mustafa Syamsul Bakhtiar Ass.