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All Journal Multidiciplinary Output Research for Actual and International Issue (Morfai Journal)
Iswadi
Universitas Malikussaleh
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THE INFLUENCE OF FINANCIAL BEHAVIOR, FINANCIAL LITERACY, AND FINANCIAL MANAGEMENT BEHAVIOR ON THE FINANCIAL WELL-BEING OF MSME ACTORS IN LHOKSEUMAWE, THE ROLE OF FINANCIAL STRESS Nur Balkis; Ghazali Syamni; Husaini; Darmawati Muchtar; Iswadi; Marbawi
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 6 (2025): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v5i4.4232

Abstract

This study examines the influence of financial behavior, financial literacy, and financial management behavior on the financial well-being of micro, small, and medium enterprises (MSMEs) in Lhokseumawe, Indonesia, with a particular focus on the mediating role of financial stress. This study is a quantitative study using a purposive sampling technique with a sample of 145 respondents (MSME owners) in Lhokseumawe. The data source comes from primary data obtained through questionnaires. The data analysis technique used is PLS-SEM with SmartPLS software. The results show that financial behavior and financial management behavior have a significant positive influence on financial well-being, while financial stress has a negative impact on financial well-being. Financial stress mediates the relationship between financial behavior and financial well-being, as well as between financial management behavior and financial well-being. These findings underscore the importance of promoting good financial practices and stress management among MSMEs to improve their financial well-being and contribute to local economic development.
Co-Authors Ghazali Syamni Husaini Muchtar, Darmawati Nur Balkis