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Perlindungan F. Hulu
Universitas Nias
Economics, Econometrics & Finance Social Sciences

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The Effect of Financial Literacy on Financial Behavior of Micro, Small and Medium Enterprises (SMEs) in Ulugawo District, Nias Regency Sambuani Zai; Perlindungan F. Hulu; Maria Magdalena Bate’e; Nanny A. Bu’ulolo
Golden Ratio of Data in Summary Vol. 4 No. 2 (2024): May - October
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v4i2.564

Abstract

Low financial literacy has significant implications, including restricted access to financial institutions and mismanagement of money and wealth. A common consequence of low financial literacy is the limited access to financial services, often restricted to banks. This issue is particularly prevalent among Micro, Small, and Medium Enterprises (MSMEs), where poor financial literacy hinders both business growth and economic development. Many individuals lack the financial knowledge necessary to manage investments, pay bills on time, and maintain a budget, all of which are essential for sound financial management. In the case of MSME actors in Ulugawo sub-district, observations reveal that many do not have a clear understanding of financial management, nor do they maintain proper financial records. This lack of financial knowledge often leads to difficulties in organizing expenditures and managing finances. As a result, many MSMEs struggle to present their financial standing clearly, making them ineligible for capital credit access. The purpose of this study was to examine the impact of financial literacy on the financial behavior of MSME actors in Ulugawo, Nias. The research employed a quantitative descriptive approach, with data collected through questionnaires. The data analysis revealed that financial literacy accounts for 70% of the variation in financial behavior among MSMEs in Ulugawo, indicating that the remaining 30% is influenced by other factors not covered in this study. The t-test results for the financial literacy variable (X) showed a t-value of 2.191, with a significance level of 5%. The calculated r-value was greater than the critical r-value (r-calculated > r-estimated, 1.6759), confirming the significant influence of financial literacy on financial behavior.
The Influence of Financial Knowledge and Financial Attitudes on Financial Management Behavior on UMKM Actors in Lahomi Sub-District Dimensi Daeli; Perlindungan F. Hulu; Nanny A. Bu’ulolo; Maria Magdalena Bate’e
Golden Ratio of Data in Summary Vol. 4 No. 2 (2024): May - October
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v4i2.575

Abstract

This research aims to determine the influence of financial knowledge and financial attitudes towards financial management behavior among MSMEs in Lahomi sub-district. This research is included in associative research. This result of the research shows that (1) there is a positive and significant influence of financial knowledge on financial management behavior among MSMEs in Lahomi District (2) there is a positive and significant influence of financial attitudes on financial management behavior among MSMs in Lahomi District (3) there is a positive and not significant influence on the financial management behavior of MSMEs in Lahomi District.
The Effect of Financial Inclusion on the Sustainability of the SME Sector Feberia Zebua; Maria Magdalena Bate’e; Perlindungan F. Hulu
Golden Ratio of Data in Summary Vol. 4 No. 2 (2024): May - October
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v4i2.576

Abstract

This study aims to determine whether financial inclusion has a positive effect on the sustainability of the SME sector in Lotu District, North Nias Regency, and to determine how much influence financial inclusion has on the sustainability of the SME sector, and to find out whether financial inclusion can overcome the challenges experienced by SME actors. The research was conducted in Lotu District, North Nias Regency. The research method used is quantitative method with data collection through distributing questionnaires, documentation, and interviews, observation. Respondents in this study amounted to 63 respondents of SME actors. The results of this study indicate that the influence of financial inclusion has an influence on the sustainability of the SME sector by 20.4%. With the increasing financial inclusion, it will further encourage SME actors to develop their businesses in the future.
The Influence of Consumer Behavior on Purchasing Decisions Enifarmawati Lase; Emanuel Zebua; Yupiter Mendrofa; Perlindungan F. Hulu
Golden Ratio of Data in Summary Vol. 4 No. 2 (2024): May - October
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v4i2.638

Abstract

Retail trade is a very strategic trade in Indonesia because it is able to absorb labor after the agricultural sector. There are two types of retail trade, namely traditional retail which is directly represented by small traders or grocery traders in traditional markets and in housing and modern retail which is represented by supermarkets and minimarkets such as Alfamart and Indomaret. This proves that there is quite high economic growth and creates investment, but on the other hand, this can cause lethargy for traditional kiosk traders, even killing their businesses. Yuki Mart is one of the modern shops (minimarkets) in Gunungsitoli City. This research aims to find out how much influence consumer behavior has on purchasing decisions at Yuki Mart, Gunungsitoli City. This research uses quantitative methods. Respondents were 57 consumers who shopped at Yuki Mart, Gunungsitoli City in July, where researchers collected data using a questionnaire, then carried out data validity tests, data reliability tests, classical assumption tests (normality tests), coefficient of determination, and hypothesis tests (t tests). The results of the research show that the influence of consumer behavior on purchasing decisions at Yuki Mart, Gunungsitoli City, is 16.3% and the other 83.7% is influenced by other variables not included in this research.
Co-Authors Dimensi Daeli EMANUEL ZEBUA Enifarmawati Lase Feberia Zebua MARIA MAGDALENA BATE’E Nanny A. Bu’ulolo Sambuani Zai YUPITER MENDROFA