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All Journal Jurnal Kompilasi Ilmu Ekonomi (KOMPILEK) Jurnal Penelitian Teori & Terapan Akuntansi (PETA) Jurnal Mantik Jurnal Penelitian Manajemen Terapan (Penataran) JAMI: Jurnal Ahli Muda Indonesia Buletin Poltanesa International Journal on Social Science, Economics and Art Kupna Akuntansi: Kumpulan Artikel Akuntansi
Sulistya Dewi Wahyuningsih
STIE Kesuma Negara Blitar
Religion Agriculture, Biological Sciences & Forestry Computer Science & IT Control & Systems Engineering Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Journal : International Journal on Social Science, Economics and Art

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Analysis of micro and small business behavior in the adoption of financial applications for the development of an android-based financial application model Latifah, Nunuk; Wardani, Shanti Ike; Wahyuningsih, Sulistya Dewi
International Journal on Social Science, Economics and Art Vol. 14 No. 1 (2024): May: Social Science, Economics
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijosea.v14i1.495

Abstract

As a sector that can increase production capacity, MSEs have a significant impact on economic and social progress. However, MSEs still face various obstacles, one of which is manual and traditional financial management. Lack of understanding and knowledge in financial management is the main cause. Using the Theory of Planned Behavior (TPB) approach, this study highlights the development of self-efficacy beliefs and perceived behavioral control, strengthening the relationship between beliefs, attitudes, intentions, and behaviors of MSE actors. The purpose of this study is to examine the financial management behavior of MSEs in Blitar. The method applied is descriptive quantitative. The population in focus is MSEs in Blitar, with a total of 2569, while the sample taken is 135 business actors. The data analysis method used includes descriptive analysis and inferential statistics, with the application of the Structural Equation Model (SEM) approach based on Partial Least Square (PLS). The results of this study indicate that Financial Attitude, Financial Literacy and Financial Knowledge do not affect the Behavioral Intention of business actors. The behavioral intention of business actors is still relatively low in determining financial management attitudes because understanding and skills in management are also still low. This is because they focus more on marketing and sales.
Co-Authors Ajeng Jevia Putri Anggi Listiani Hanif Yusuf Seputro Latifah, Nunuk Okta Rian Basori Ramadhan, Rico Putra Siti Sunrowiyati Sura Klaudia Swito, Agatha Aprilya Wardani, Shanti Ike Yensia Prarisma Nur Sahara