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All Journal Seminar Nasional Aplikasi Teknologi Informasi (SNATI) JRMA (Jurnal Riset Manajemen dan Akuntansi) Jurnal Akuntansi dan Pajak Media Mahardhika Comvice : Journal of community service JAD: Jurnal Riset Akuntansi & Keuangan Dewantara Jurnal Manajemen dan Bisnis LOYALITAS: Jurnal Pengabdian Kepada Masyarakat International Journal of Economics, Business and Accounting Research (IJEBAR) Performance : Jurnal Bisnis dan Akuntansi ASAWIKA: Media Sosialisasi Abdimas Widya Karya Abdimas Galuh: Jurnal Pengabdian Kepada Masyarakat Budimas : Jurnal Pengabdian Masyarakat GUYUB: Journal of Community Engagement Jurnal Manajemen dan Bisnis GANESHA: Jurnal Pengabdian Masyarakat BIP'S : Jurnal Bisnis Perspektif Peka: Jurnal Pengabdian Kepada Masyarakat Jurnal Abdimas Musi Charitas JIPkM Jurnal Keuangan dan Bisnis Jurnal Pengabdian Barelang Widya Cipta : Jurnal Sekretari dan Manajemen
Maria Widyastuti
Universitas Katolik Darma Cendika
Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mechanical Engineering Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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Factors Influencing Behavior and Financial Welfare of MSMEs Widyastuti, Maria; Hermanto, Y. Budi; Astuti, Amanda Wahyu
Widya Cipta: Jurnal Sekretari dan Manajemen Vol. 9 No. 1 (2025): March
Publisher : Universitas Bina Sarana Informatika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31294/widyacipta.v9i1.12227

Abstract

The aim of this research is to test financial literacy, self-control, optimism, deliberative thinking in determining the value of financial behavior and well-being. This research is explanatory/associative by testing hypotheses. The research population is MSME actors in East Java (Sidoarjo, Malang, Pasuruhan, Gresik), with a sample of 200 MSME actors, data collection using the purposive sampling method. The results of data processing with the help of the SmartPls analysis program show that financial literacy, self-control, optimism and deliberative thinking have a significant but weak direct and indirect influence on financial behavior and financial well-being. The results of this research provide meaning that financial literacy, self-control, optimism and deliberative thinking have a strategic role in explaining why the financial behavior and well-being of MSMEs is getting better and developing. So that the understanding of MSME players regarding: financial literacy must always be developed, self-control means that when spending money must be based on careful consideration, a spirit of optimism needs to be fostered because it will give rise to confidence that the results of the efforts made will be positive, profitable and as expected. Meanwhile, deliberative thinking is a planned, clear, considered decision-making process that influences personal decision making. 
Co-Authors Aditya, Jeffrey Aldo, Aldo Alfredo Alfredo, Alfredo Amalia, Antonia Rita Aminuyati Andreas Andreas Andy Putra Pratama Angelina, Helen Astuti, Amanda Wahyu Ayu, Stephanie Astrid Base, Flavianus Nefliando Jurney Budi Hermanto, Yustinus Budiarti, Monica Nia Calvin Willius Changda, Stevasya Christina Agnesia David Andrian Dimalouw, Jefri Eriks Djala, Regina Gala Fazmah Arif Yulianto Flavianus Nefliando Jurnei Base Frumensia H, Andrea Angel Harefa, Mei Kristiani Harianto, Johanes Kristianus Hawa Hermanto, Y. Budi Hillary Therecia Ignatius Reynald Jefri Eriks Dimalouw Laili Nur Indah Sari Lilik Indrawati Lusy Lusy Lusy Lusy Lusy Lusy Lusy Lusy Lusy, Lusy Maria Risky Pratiwi Renwarin Martinus Sony Erstiawan Mei Kristiani Mei Kristiani Haref Ngariwati Ngariwati Nia Budiarti, Monica Oktavianus Agustus Sigarlaki P, Jonathan Alexander Pandjaitan, Thyophoida Wanty Suriany Panjaitan, Thyophoida W. S. Penta Paula Prabani Setio, Stefanus Pratama , Andy Putra Pricilla Angelita Putri Pricilla Putri Angelita Pulumbara, Theresa Vania Arnov Purbiyati, Yuliana Sri Putra, Heristama Anugrah Putri, Pricilla Angelita Renwarin, Maria Riski Pratiwi Renwarin, Maria Risky Pratiwi Santika, Wendy Shelma Saputro, Samuel Henry Sebastian, Jenny Ivana Sentosa, Handre - Setio Hastorahmanto, Stefan Prabani Setio, Stefanus Prabani Sigarlaki, Oktavianus Agustus Silfira Stefanny Irene Putri Maryono Stefanus Prabani Stefanus Prabani STEVASYA CHANGDA Therecia, Hillary WS Panjaitan, Thyophoida Y. Budi Hermanto Y. Budi Hermanto Y. Budi Hermanto Y. Budi Hermanto Yohanes Candra Surya Yohanes Kristianus Harianto Yuliana Sri Purbiyati Yuliana Sri Purbiyati Zalianty Berlian, Putri