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Journal : EKONOMIS : Journal of Economics and Business

Pengaruh Literasi Keuangan, Inklusi Keuangan, dan Sikap Keuangan, terhadap Pengelolaan Keuangan UMKM di Kota Sidoarjo melalui Locus of Control sebagai Variabel Intervening Cahyani, Firlin Eka Kurnia; Supardi, Supardi; Sari, Herlinda Maya Kumala
Ekonomis: Journal of Economics and Business Vol 9, No 2 (2025): September
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v9i2.2066

Abstract

This study aims to determine the influence of financial literacy, financial inclusion, and financial attitudes on the financial management of MSMEs in Sidoarjo City using locus of control as an intervening variable. This study used quantitative methods. The research sample consisted of 100 respondents and the sampling technique used purposive sampling. The analytical technique used in this study was path analysis. The test results showed a simultaneous positive and significant influence between the variables of financial literacy, financial inclusion, and financial attitudes on the financial management of MSMEs in Sidoarjo City, but partially there was a negative influence between the variables of financial literacy and financial inclusion on financial management. This study also found that the variable of locus of control can intervene in the influence of the variables of financial literacy, financial inclusion, and financial attitudes on the financial management variable of MSMEs in Sidoarjo City.
Co-Authors A, M Rayhan Abdul Rofik, Abdul Adinda Lestari Ningsih Adirama, Kelvin Fitriyan Agustina, Aninda Agustini, Elly Akyun, Rizki Khurrota Anggy Wahyu Priandini Angraeni, Dian Fransisca Dewi Nur Anzas Budi Cahyani, Firlin Eka Kurnia Cindy Cahyaning Astuti Detak Prapanca Dewi, Ade Annisa Dwi Mega Aprilia Eny Maryanti Farih Ayu Mukhoirotin Sirojul Umma Rosyihin Firdaus, Nala Alifiyah Firmansyah, Eggy Dwi H, Lutfia Hariasih, Mistih Hidayah, Fatikhatu I, Mariza Ica, Zulfatul Izzah Ira Nurdiani Islamiyanti, Erni Izza Nikmatur Rokhmah Julianto Julianto Kumara Adji Kusuma Kurniawan, Rifan Faris Lilik Indayani Lisa Ayu Pransiska Luluk Putri Fauziah Lusi Rahmawati M Hafis Alwi Marcelino, Marcelino Masulah, Siti Anisatul Mawarda, Rohdotul Misti Hariasih Muhammad Shalahudin Hidayat Nihlatul Kudus Sukma N Nur Ainun Jariyah Nur Fauziatin Anisa Nurcahyani, Amaliasari Nuril Lutvi Azizah Nurjanah, Firda Awalul Pambudianna, Badzliah A Ghaisani Prasetyo, Agil Bagus Prasetyo, Totok Dwi Pratiwi, Cindi Suryaning Prayogo, Kurniawan Didit Purwanto, Muhammad Rosi Putra, Bisma Akbar Wahyu Tri Ramadhani, Farikhah Randusiwi, Rejekining Rifka Ulinnuhya Annafa Rita Ambarwati Rita Ambarwati Sukmono Santi Rahma Dewi Santoso, Muhammad Nur Habib Saputri, Anisa Herwi Saputri, Norma Suviyahtin Wahyu Sarwenda Biduri Selvia Rachmawati Selviana, Sella Maya Setiyono, Wisnu Panggah Sofielia, Dhea Irwanda Sriyono Sriyono Sriyono Sriyono Sriyono Sriyono Sumartik Supardi Supardi Supardi Suryo, Vivanda Adi Prima Ulumudin, Muhamad Ihya Umah, Rizdatul Utami, Siska Putri Vera Firdaus Wanti, Fadilah Herdiana Yanti, Eva Indra Dwi