Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal Journal of Creative Power and Ambition (JCPA)
Nurul Aidil Fitri Aziz
Universitas Negeri Manado, Indonesia
Economics, Econometrics & Finance

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
The Influence of Financial Literacy and Financial Inclusion on Financial Management Among MSMEs in South Tondano District Nurul Aidil Fitri Aziz; Jenny Nancy Kaligis; Olifia Yodiawati Tala
Journal of Creative Power and Ambition (JCPA) Vol. 4 No. 02 (2026): Journal of Creative Power and Ambition (JCPA)
Publisher : CV Edujavare Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70610/jcpa.2231

Abstract

This study examines the influence of financial literacy and financial inclusion on financial management among micro, small, and medium enterprises (MSMEs) in South Tondano District, Minahasa Regency, Indonesia. A quantitative causal-associative design was employed. The population comprised 2,216 culinary MSMEs, and 100 respondents were selected through purposive sampling based on the Cochran sample-size calculation. Primary data were collected using questionnaires and analyzed through multiple linear regression with IBM SPSS Statistics 25. The results show that financial literacy has a positive and statistically significant effect on MSME financial management (B = 0.588; β = 0.565; t = 9.035; p < 0.001). Financial inclusion also has a positive and significant effect (B = 0.442; β = 0.423; t = 6.769; p < 0.001). The adjusted coefficient of determination is 0.927, indicating that the two predictors jointly explain 92.7% of the variation in financial management in the estimated model. Financial literacy demonstrates the larger standardized coefficient and t-statistic, suggesting a stronger relative association in this sample. The findings underline the importance of strengthening business owners’ financial knowledge and their effective access to and use of formal financial services.
Co-Authors Jenny Nancy Kaligis Olifia Yodiawati Tala