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All Journal Manis : Jurnal Manajemen dan Bisnis
Astrid Magdalena Naihonam
Universitas Pattimura
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Pengaruh Literasi Keuangan Dan Perencanaan Keuangan Terhadap Kinerja UMKM Sub Sektor Kuliner di Desa Galala dengan Tingkat Pendidikan sebagai Variabel Moderasi Astrid Magdalena Naihonam; Dinatonia Jovery Matruty; Evracia Turukay
Manis: Jurnal Manajemen dan Bisnis Vol 10 No 1 (2026): MANIS : Jurnal Manajemen dan Bisnis
Publisher : Jurusan Manajemen Fakultas Ekonomi dan Bisnis Universitas Pattimura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30598/manis.10.1.64-76

Abstract

This study aims to analyze the effect of financial literacy and financial planning on the performance of MSMEs in the culinary sub-sector in Galala Village, Ambon City, and to examine the moderating role of education level. This quantitative research used a survey method with a sample of 80 respondents selected through purposive sampling from a population of 261 business units. Data were collected via questionnaires and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) via SmartPLS 4. The results show that the structural model has strong predictive power ( ). Financial literacy ( ; ) and financial planning ( ; ) have a positive and significant effect on MSME performance. However, education level is not proven to moderate the relationship of financial literacy ( ) or financial planning ( ) on MSME performance. These findings emphasize that financial literacy and disciplined financial planning are the primary drivers of culinary business performance, regardless of the owner's formal education level.
Co-Authors Evracia Turukay Matruty, Dinatonia