FINANCIAL MANAGEMENT SYSTEM: MSME ACTORS AS THE INTERVENERS

Ade Gunawan
Chintya Edelvi Pratiwi

Multidiciplinary Output Research for Actual and International Issue (Morfai Journal)
Vol. 4 No. 3 (2024): Multidiciplinary Output Research For Actual and International Issue

Financial management among Micro, Small, and Medium Enterprises (MSMEs) in Delitua District needs to be improved due to financial knowledge, attitude, personality, and self-control. thi s involves drawing conclusions based on statistical hypothesis testing and empirical data gathered through measurement the population being studied is the actors within the fashion sector Micro, Smalland Medium Enterprises (MSMEs) located in theDelituaDistrict, Sumatera utara, Indonesian.This study aimedtodeterminetheimpactoffinancialknowledge, financial attitude, and personality on self-control, whichserves as an intervening variable for MSMEs in the Delitua District. Question nairefor data collection. The data analysis technique used was the measurement model (outer model), structural model (inner model), direct effect (direct effect), and indirect effect (indirect effect), with SmartPLS used for testing. Results indicated that financial knowledge and personality positively and significantly impact self-control, while financial attitude does not. However, financial knowledge and attitude positively and significantly influence financial management, and personality does not significantly impact financial management or the other variables through self-control.Relevan of study Measure variables using questions that are more specific and tailored to the research objectives.