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Latifah, Nunuk
Prodi Operasionalisasi Perkantoran Digital, Akademi Komunitas Negeri Putra Sang Fajar Blitar, Blitar, Indonesia
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Journal : Buletin Poltanesa

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How The Behavioral Intentions of SME Actors: The Relationship Between Financial Literacy and Financial Knowledge With the Mediating Role of Attitude Nunuk Latifah; Shanti Ike Wardani; Sulistya Dewi Wahyuningsih
Poltanesa Vol 26 No 1 (2025): June 2025
Publisher : P3KM Politeknik Pertanian Negeri Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51967/tanesa.v26i1.3291

Abstract

This study aimed to explore and understand the behavioral intentions of micro and small business owners in Blitar regarding the use of financial application services. Data were collected using a census sampling technique through an online questionnaire, employing a 5-point Likert scale. A total of 135 respondents, all micro and small business actors in the Blitar area, participated in the survey. Data were processed using SEM-PLS. The results of the study revealed that business actors' actions in managing finances, financial knowledge, and financial literacy do not have a significant influence on behavioral intentions. The behavioral intentions of business actors are still relatively low in determining attitudes, knowledge, and understanding of financial management. This is primarily because their focus lies in marketing and sales. Even though many possess strong financial knowledge, their attitude tends to prioritize managing finances in ways that enhance production, promotion, and market expansion through digital platforms. On the other hand, financial literacy was found to positively influence both financial attitudes and financial knowledge. Financial attitudes can shape investment decisions, especially when supported by financial literacy, which enhances the ability to manage finances and make informed investment choices. Nevertheless, financial literacy does not serve as a moderating factor between financial behavior and financial attitudes in business decision-making
Co-Authors Abu Muna Almaududi Ausat Achmad, Fidan Adiguna S. W. Utama Adiguna Sasama Wahyu Utama Almaududi Ausat, Abu Muna Anna Widayani Anna Widayani Anna Zahrotul Wahidah Arman, Ferdy Choirul Masna Affandi Eka Kusumawati Eka Suprajang, Sandi Eko Esti Santoso Enola Helmania Normansyah Estu Murdinar , Hardining Fahmi, Nazzu Febillyan Adinda Trisnawati Hindra Kurniawan Ika Rachmawati Ika Rachmawati Ika Rachmawati Ika Rachmawati Ika Rahmawati Ike Wardani, Shanti Ismanto Kartika, Neaza Fitri Kevin Nova Ariyanto Kurniawan , Hindra Kusmayati, Nindya Kartika M. Nur Fu'ad M. Nur Fuad mardiana, Nur Mohamad Ardiansyah Murdinar, Hardining Estu Murni Sari, Retno Ni'ma Kholila Ninetha, Vira Nanda Ningrum, Tinezia Angelina Puspa Normawati, Rani Normawati, Rani Arifah Rachmawati, Ika Rani A. Normawati Rani A. Normawati Sandi Eka Suprajang Santoso, Eko Esti Setyianingsih, Puji Shanti Shanti Ike Wardani Shanti Ike Wardani Shanti Ike Wardani Shanti Ike Wardani Suherlan Suherlan, Suherlan Sulistya Dewi Wahyuningsih Sulistya Dewi Wahyuningsih Susanto, Ratno Utama, Adiguna Utama, Adiguna S. W. Wardani, Shanti Ike Widayani, Anna