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All Journal Jurnal Informatika Ekonomi Bisnis ProBisnis : Jurnal Manajemen Jurnal Pengabdian Multidisiplin Journal of Social Science Digital Business Tren Bisnis Masa Depan Jurnal Informatika Ekonomi Bisnis
Seleky, Roy
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Humanities Computer Science & IT Economics, Econometrics & Finance Industrial & Manufacturing Engineering Public Health Social Sciences Other

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Journal : Jurnal Informatika Ekonomi Bisnis

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How Education, Financial Literacy, and Planning Affect Financial Management Among MSMEs in Fena Fafan Maluku Seleky, Roy
Jurnal Informatika Ekonomi Bisnis Vol. 7, No. 2 (June 2025)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v7i2.1156

Abstract

This study examines the influence of education level, financial literacy, and financial planning on financial management practices among micro, small, and medium enterprises (MSMEs) in Fena Fafan District, South Buru Regency. Using a quantitative approach, data were collected from 31 MSME operators and analyzed using multiple linear regression. The findings reveal that education level and financial literacy do not significantly affect financial management, while financial planning has a strong and positive influence. These results underscore the importance of practical financial behavior over formal education or theoretical knowledge, particularly in geographically isolated and underserved regions. The demographic profile of the respondents, dominated by limited formal education and micro-scale operations, further emphasizes the relevance of applied planning habits. This study contributes to the growing body of research on rural entrepreneurship and highlights the need for context-sensitive financial development programs that prioritize behavior-based interventions over conventional literacy models.
Co-Authors Jacsy Tubalawony Latuconsina, Zainuddin Pattiruhu, Josef. R. Restia Christianty Tabelessy, Walter