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All Journal Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Via Septiani
Universitas Indonesia Membangun
Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Pengaruh Literasi Keuangan, Sikap Keuangan, dan Pendapatan terhadap Perilaku Pengelolaan Keuangan UMKM di Kecamatan Banjaran Kabupaten Bandung Via Septiani; Salza Adzri Arismutia
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 2 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i2.11038

Abstract

The MSMEs in Banjaran District, Bandung Regency have experienced notable growth; however, the quality of their financial management has not yet reached an optimal level. Effective financial management is essential to ensure business continuity and support decision-making processes. This study aims to analyze the impact of Financial Literacy, Financial Attitudes, and Income on the Financial Management Behavior of MSMEs in the same district. A quantitative approach with descriptive and verification methods was employed. Data were collected through questionnaires distributed to 93 respondents, selected from a total population of 1,262 MSMEs using the Slovin formula. The analysis results show an F value of 50.310, which exceeds the F table value of 2.611, leading to the acceptance of H4 and the rejection of H0. These results confirm that Financial Literacy, Financial Attitudes, and Income collectively have a significant effect on the Financial Management Behavior of MSMEs.
Co-Authors Salza Adzri Arismutia