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Pengaruh Financial Knowledge, Financial Attitude Terhadap Financial Behavior Dimediasi oleh Locus of Control dan Financial Self-Efficacy pada UMKM Kecamatan Tuah Madani Kota Pekanbaru Nurhayati, Yuni; Nesneri, Yessi
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.5059

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh financial knowledge dan financial attitude terhadap financial behavior dengan locus of control dan financial self-efficacy sebagai variabel mediasi pada pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) di Kecamatan Tuah Madani, Kota Pekanbaru. Penelitian ini menggunakan pendekatan kuantitatif dengan metode Partial Least Squares–Structural Equation Modeling (PLS-SEM) yang dianalisis menggunakan aplikasi SmartPLS. Pemilihan metode ini didasarkan pada kemampuannya dalam menguji hubungan struktural antarvariabel secara simultan, baik hubungan langsung maupun tidak langsung. Sampel penelitian terdiri dari 120 responden yang ditentukan melalui teknik purposive sampling, dengan kriteria pelaku UMKM yang telah menjalankan usahanya minimal satu tahun. Data penelitian dikumpulkan melalui penyebaran kuesioner terstruktur yang dirancang untuk mengukur tingkat pengetahuan keuangan, sikap keuangan, perilaku keuangan, serta peran locus of control dan financial self-efficacy dalam pengambilan keputusan keuangan. Hasil penelitian menunjukkan bahwa financial knowledge dan financial attitude berpengaruh positif dan signifikan terhadap financial behavior. Selain itu, locus of control dan financial self-efficacy juga terbukti memiliki pengaruh positif dan signifikan terhadap financial behavior. Hasil pengujian efek mediasi menunjukkan bahwa locus of control mampu memediasi pengaruh financial knowledge dan financial attitude terhadap financial behavior. Namun, financial self-efficacy tidak terbukti berperan sebagai variabel mediasi dalam hubungan tersebut. Nilai R-square sebesar 0,779 menunjukkan bahwa 77,9% variasi financial behavior dapat dijelaskan oleh variabel-variabel dalam model penelitian, sedangkan sisanya dipengaruhi oleh faktor lain di luar penelitian ini.
Meningkatkan Kemampuan Keuangan: Peran Mediasi Perilaku Keuangan (UMKM) Di Kecamatan Tuah Madani Rahmi, Fitri; Nesneri, Yessi
Akuntansi dan Manajemen Vol. 20 No. 2 (2025): Jurnal Akuntansi dan Manajemen
Publisher : Jurusan Akuntansi Politeknik Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30630/jam.v20i2.343

Abstract

Financial capability is one of the important aspects in the sustainability of MSMEs in order to survive and develop. This study aims to analyze the effect of financial knowledge, financial skills, financial attitudes, and financial inclusion on financial capability with financial behavior as a mediating variable in MSME players in Tuah Madani District, Pekanbaru City. This research uses a quantitative approach with Partial Least Squares - Structural Equation Modeling (PLS-SEM) analysis technique through SmartPLS 4 and a sample of 116 respondents obtained using purposive sampling technique. The results showed that financial knowledge, financial skills, and financial behavior have a significant effect on financial capability. while financial attitudes and financial inclusion have no significant direct effect on financial capability. Financial behavior mediates the relationship between financial knowledge and attitudes towards financial capability. However, financial behavior does not mediate financial skills on financial capability. The R² value of 0.779 indicates that 77.9% of the financial capability variable can be explained by the variables in this model, the remaining 22.1% is influenced by other variables outside this study.
Co-Authors Anna Nurlita Aras Aira Aras Aira Azwar Azwar Azwar dani sapitri, rahma Fauzan , Farin Junita Fitri Hidayati Fitri Rahmi Hendeiza Ayu Dinanti Irdayanti Irdayanti Irdayanti Irdayanti Irdayanti Irdayanti Irdayanti Irdayanti Irdayanti Irdayanti Irdayanti KHUMAIROH, NURUL Museliza, Virna Nasrah, Hidayati Nurhayati, Yuni Putri, Annisa Syahrani Sapitri, Rahma Dani Sari, Desi Novita Septia, Leni Sitorus, Siti Hazar Ulfiah Novita Ulfiah Novita Utami, Salsabila Wulandari, Pipit