THE EFFECT OF FINANCIAL KNOWLEDGE AND FINANCIAL ATTITUDE ON FINANCIAL MANAGEMENT BEHAVIOR ON MSME BUSINESS ACTORS IN NORTH TORAJA REGENCY

Gebi Passalempang (Christian University of Indonesia Toraja)
Dina Ramba (Christian University of Indonesia Toraja)
Jemi Pabisangan Tahirs (Christian University of Indonesia Toraja)

OIKONOMIA: Journal of Economics and Management Science
Vol. 1 No. 3 (2023): OIKONOMIA : Journal of Economic and Management Science

This study aims to determine whether the variables Financial Knowledge and Financial Attitude on Financial Management Behavior. The type of research used in this research is descriptive quantitative. The types of data used in this study are primary data and secondary data, with data collection techniques using questionnaires. The data analysis technique used is the data instrument test, classical assumption test, multiple linear regression analysis, hypothesis testing and coefficient of determination test. The results of this study indicate that partially Financial Knowledge has no significant effect on Management Financial Behavior in UMKM Business Actors in North Toraja Regency. While partially Financial Attitude has a positive and significant effect on Management Financial Behavior in North Toraja Regency UMKM Business Actors and simultaneously Financial Knowledge and Financial Attitude have a significant effect on Financial Management Behavior in North Toraja Regency UMKM Business Actors