Article Per Year (5 Year)
p-Index From 2020 - 2025
0.23
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This Author published in this journals
All Journal Journal of Management and Islamic Finance
Ridha Ikbal, Ikhlasul
Unknown Affiliation
Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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THE INFLUENCE OF FINANCIAL SELF EFFICACY ON THE BEHAVIOR OF FINANCIAL MANAGEMENT OF MSMEs WITH FINANCIAL LITERACY AS A MODERATION VARIABLE Ridha Ikbal, Ikhlasul; Hadady, Hartaty; Amiro, Suratno
Journal of Management and Islamic Finance Vol. 5 No. 1 (2025): Journal of Management and Islamic Finance
Publisher : UIN Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jmif.v5i1.7243

Abstract

This study aims to examine the effect of Financial Self-Efficacy on Financial Management Behavior of SMEs with Financial Literacy as a moderating variable. This research uses a quantitative approach and involves the population of Small and Micro Enterprises (SMEs) street vendors of agricultural produce in traditional markets in Central Ternate City, North Maluku Province. The sample in this study consists of 100 respondents. The data analysis technique used is Structural Equation Modeling (SEM) using statistical software Smart PLS 4. The results of this study indicate that: (1) Financial Self-Efficacy has a significant positive influence on Financial Management Behavior; (2) Financial Literacy acts as a moderating variable and can strengthen the effect of Financial Self-Efficacy on Financial Management Behavior in a positive and significant way. This study emphasizes that an increase in financial self-efficacy, supported by adequate financial literacy, can encourage more effective financial management behavior among SME actors.
Co-Authors Amiro, Suratno Hadady, Hartaty