EFFECT OF FINANCIAL LITERACY AND LOCUS OF CONTROL ON MSME PERFORMANCE IN MAESAN DISTRICT, BONDOWOSO REGENCY

Arini Dinan Haq (Program Studi Manajemen Fakultas Ekonomi Universitas Islam Negeri Maulana Malik Ibrahim Malang)
Misbahul Munir (Program Studi Manajemen Fakultas Ekonomi Universitas Islam Negeri Maulana Malik Ibrahim Malang)

JURNAL MANAJEMEN
Vol 7, No 2 (2022): JPIM (JURNAL PENELITIAN ILMU MANAJEMEN)

Quantitative method. A sample of 100 MSME actors using non-probability sampling technique and proportional stratification allocations were divided into 90 micro businesses, 9 small businesses and 1 medium business. The collection tool is in the form of a questionnaire. Data analysis used SPSS 23 multiple linear regression. The results of the study stated that financial literacy had a significant positive effect on financial performance, while locus of control had no effect on MSME financial performance. And simultaneously there is a positive and significant influence between locus of control and financial literacy on the financial performance of MSMEs in Maesan District, Bondowoso.