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All Journal JRAK (Jurnal Riset Akuntansi dan Bisnis) (e-Journal) ASERSI : Jurnal Akuntansi Terapan dan Bisnis
Mariska, Revi Sasti
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Pengaruh Literasi Keuangan Dan Penggunaan Media Sosial Terhadap Kinerja UMKM Aulia, Elvira Frischa; Mariska, Revi Sasti; Suseno, Novie Susanti
JRAK (Jurnal Riset Akuntansi dan Bisnis) Vol. 11 No. 1 (2025): JRAK Jurnal Riset Akuntansi dan Bisnis Januari 2025
Publisher : LPPM POLITEKNIK LP3I BANDUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38204/jrak.v11i1.2241

Abstract

Our main objective in conducting this research is to identify the relationship between MSME performance and the level of financial literacy and social media usage in Garut Regency. The purpose of this study is to help MSMEs, which in turn will help the economy, the labor market, and the field of management and economic theory. The sample for this study consists of all micro, small, and medium enterprises (MSMEs) in Garut Regency, which is 45 samples. The author used a questionnaire to collect information directly from the MSME players in Garut Regency. After collecting data through surveys and literature studies, the author analyzed it using multiple linear regression and the coefficient of determination. Quantitative methods were used in this study. Based on the research results, there is an influence between financial literacy and the success of micro, small, and medium enterprises (MSMEs). Micro, small, and medium enterprises (MSMEs) tend to do better when their owners are financially literate and active on social media.
Literasi Keuangan dan Sikap Keuangan: Implikasinya terhadap Perilaku Manajemen Keuangan melalui Hedonism Lifestyle Mariska, Revi Sasti; Suseno, Novie Susanti; Kusmiati, Eti
Jurnal Akuntansi Terapan dan Bisnis Vol 5 No 1 (2025): July
Publisher : Politeknik Negeri Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25047/asersi.v5i1.5970

Abstract

The increasing consumptive behavior among Generation Z shows the need for an understanding of the factors that influence financial management. This study aims to examine the effect of financial literacy and financial attitudes on financial management behavior, with hedonism lifestyle as a mediating variable. Using a quantitative approach through survey method, this study involved 100 participants from Generation Z workforce in Garut Regency who were selected through accidental sampling technique. Data analysis was conducted using SEM-PLS method. The results showed that financial literacy and financial attitudes have a positive effect on financial management behavior, while hedonic lifestyle has a negative effect. In addition, hedonic lifestyle mediates the relationship between financial attitudes and financial management behavior. The findings confirm the importance of implementing financial literacy education into the school curriculum and job training programs, as well as the need for socialization to regulate consumptive lifestyles in order to foster a younger generation capable of making wise financial decisions.
Co-Authors Aulia, Elvira Frischa Kusmiati, Eti Suseno, Novie Susanti