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Nanny A. Bu’ulolo
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 Effect of Financial Literacy on the Financial Management of Students Ester Halawa; Maria Magdalena Bate’e; Nanny A. Bu’ulolo; Aferiaman Telaumbanua
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.v4i2.569

Abstract

This study aims to determine the effect of financial literacy on financial management of SMA Negeri 1 Ulunoyo students and the magnitude of the effect of financial literacy on financial management of SMA Negeri 1 Ulunoyo students. The method used in this research is quantitative method. The data collection technique used a questionnaire (Likert Scale). Data analysis techniques used to strengthen questionnaire data are validity test, reliability test, correlation coefficient, linear regression, determinant coefficient, hypothesis testing, normality test, multicollinearity test and heteroscedasticity test. This study used 58 respondents with Simple Random Sampling data collection technique. The results of this study indicate that Financial Literacy affects the Financial Management of SMA Negeri 1 Ulunoyo, South Nias Regency by 54.8%, while 45.2% is influenced by factors not in this study. With increased financial literacy, students will increasingly manage their finances wisely, carefully and regularly by applying indicators of each financial literacy variable and financial management variable, so that students can prepare for future needs and finances.
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.
Co-Authors Aferiaman Telaumbanua Dimensi Daeli Ester Halawa MARIA MAGDALENA BATE’E Perlindungan F. Hulu Sambuani Zai