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Fauziah Rahman
Universitas Medan Area
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THE INFLUENCE OF FINANCIAL LITERACY AND MENTAL ACCOUNTING ON FINANCIAL MANAGEMENT OF UMKM IN DELI TUA DISTRICT Endang Saputri Br Sembiring; Fauziah Rahman
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 4 No. 4 (2025): MARCH
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijset.v4i4.724

Abstract

This study aims to determine the effect of financial literacy and mental accounting on financial managementMSMEs in Deli Tua sub-district. This research uses a quantitative approach, which involves processing primary and secondary data where primary data is obtained from respondents' answers to questions or statements in questionnaires distributed directly while secondary data in this study comes from the website of the Deli Serdang Cooperative and UKM Office. The sample in this study were MSME actors in Deli Serdang, totaling 97 respondents. The method used for data analysis uses SPSS for windows software. The results of this study indicate that the Financial Literacy Variable (X1) has a positive and significant effect on MSME financial management (Y), Financial Inclusion (X2) has a significant and significant effect on MSME financial management (Y). From the F test, Financial Literacy and Financial Inclusion together have a positive and significant effect on MSME financial management. The Adjusted R square value is 0.566, this figure indicates that 87% shows that the effect of financial literacy and financial inclusion on financial management is 87%, the remaining 13% is influenced by other variables or factors not examined in this study.
Co-Authors Ananda, Lusiana Dwi Ananda, Rana Fatinah Andre Hasudungan Lubis Annisa Putri Arse, Nikyta Agnadya Beltahmamero Simamora Desy Astrid Anindya Devi Ayu Putri Sirait Endang Saputri Br Sembiring Hasbiana Dalimunthe Indah Cahya Sagala Indriani, Dea Indriani, Nenden Kaur, Soniya Kharunnisah Lubis Lusiana Dwi Ananda Maria Hendriani Meliana Puspitasari Murdiyanto, Dono Nasihin, Ihsan Nenden Indriani Parassela Pangestu Primadiva Pelawi, Theo Doanta Palmada Rahmadhani, Sari Nuzullina Rana Fathinah Ananda Sari Bulan Tambunan Shalihin, Yusuf Sitanggang, Velya Situmorang, Astuti Situmorang, Tiolensa Kristina Sucitra Dewi Sugesti, Leli Syafitri, Rahmadiyah Syafruddin Ritonga Thezar Fiqih Hidayat Hasibuan Tursina Tursina Warsani Purnama Sari Yusuf Shalihin