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Eka Rosalina
Politeknik Negeri Padang
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Pengaruh Tingkat Pendidikan, Literasi Keuangan Dan Inklusi Keuangan Terhadap Perilaku Keuangan UMKM Kuliner Kota PADANG Awliya Rahmat; Reno Fithri Meuthia; Eka Rosalina
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 4 No. 2 (2026): Februari
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v4i2.8908

Abstract

This study aims to analyze the influence of education level, financial literacy, and financial inclusion on the financial behavior of culinary MSMEs in Nanggalo District, Padang City. This study used quantitative methods with primary data obtained through questionnaires distributed to 120 MSMEs as the research sample. The sampling technique used was convenience sampling. Data analysis was conducted using multiple linear regression analysis using SPSS. The results of the study indicate that education level has a negative influence on financial behavior, financial literacy has a positive influence on financial behavior, and financial inclusion has a negative influence on the financial behavior of MSMEs. This suggests that the higher the level of education, understanding of financial literacy, and access to formal financial services, the better the financial behavior of MSMEs in managing their businesses.
Co-Authors Adrianto, Fajri Afridian Wirahadi Ahmad Ananto, Rangga Putra Anda Dwiharyadi Anisya, Rahmi Arfan Anugrah Asyhari Armel Yentifa Asratul Rahmi Asrina, Novi Awliya Rahmat Dandi Aprila Dedy Djefris Desi Handayani Dita Maretha Rissi Dwi Haryadi, Anda Elfitri Santi Eliyanora Eliyanora Endrawati Endrawati Fany Alfarisi Fauzan Misra Fera Sriyunianti Fera Sriyuniati Ferdi Afrizon Fitra Oliyan Frima, Rini Gustina Gustina Hasan, Puti Zeina Hanifah Husna, Mutia Rahmatul I Gusti Bagus Wiksuana Irda Rosita Josephine Sudiman Jr, Syafira Ramadhea Masyhuri Hamidi, Masyhuri Melsi Guswindi Niki Lukviarman, Niki Pertama Agustin, Zolanda Rahmi, Mustika Rasyidah Rasyidah Reni Endang Sulastri Reno Fithri Meuthia Rida Rahim Rijalul Fikri Rini Frima Sixtia Apriyana Asrul Syafira Ramadhea Jr Syafira Ramadhea Jr. Tafdil Husni Ulfah Arima Rm Wina Nofrima Fitri Wiwik Andriani Yolla Maysanti Yossi Septriani Zahara Zahara Zulvitri Zulvitri