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All Journal Jurnal Bisnis Kompetitif
Fitri Khairani
Universitas Riau
Social Sciences

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PENGARUH LITERASI KEUANGAN DAN PENDAPATAN TERHADAP KESEJAHTERAAN FINANSIAL : (Studi Pada Pelaku Usaha Mikro Kuliner Malam di Jl. Cut Nyak Dien Pekanbaru) Fitri Khairani; Ruzikna Ruzikna
Jurnal Ekonomi Bisnis Kompetif Vol 4 No 3 (2025): Faktor Penentu Minat Pembelian, Kinerja Karyawan, dan Pengelolaan Hubungan Pelang
Publisher : Komunitas Manajemen Kompetitif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35446/bisniskompetif.v4i3.2558

Abstract

Abstract: Financial well-being is an important aspect for micro-entreprises, especially in the night food sector, which has fluctuating income and high competition. This condition requires business owners to be able to manage their finances in a stable manner, meet current needs, and be prepared to face future risks. This study aims to analyze the influence of financial literacy and income on the financial well-being of micro-entreprises in culinary nightlife sector on Jl. Cut Nyak Dien, Pekanbaru City. The research method uses a quantitative approach and utilizes primary and secondary data. The sample in this study was set at 80 from a population of 402, measured using the Slovin formula. The data collection technique used was a questionnaire. The sampling method used purposive sampling. Data analysis was performed using first-order reflective analysis with the SmartPLS 4.1.1.6 application. The results showed that financial literacy was in the good category and had a significant effect on improving financial well-being. Income also has a significant effect, where stable income helps business actors meet their needs, save money, and maintain business sustainability. These findings confirm that improving financial literacy and income plays an important role in strengthening the financial well-being of micro culinary business actors on Jl. Cut Nyak Dien, Pekanbaru City. Keywords: Financial Literacy; Income; and Financial Well-Being
Co-Authors Ruzikna Ruzikna