Distribusi
Vol. 13 No. 2 (2025): Distribusi, September 2025

PENGARUH LITERASI KEUANGAN, SIKAP KEUANGAN DAN PENDAPATAN TERHADAP PERILAKU PENGELOLAAN KEUANGAN PELAKU UMKM

Ariyani, Asri Dwi (Unknown)
Hidayah, Nila (Unknown)
Munawaroh, Milatul (Unknown)
Setiorini, Kusumaningdiah Retno (Unknown)
Ahmad, Khamdani (Unknown)



Article Info

Publish Date
29 Sep 2025

Abstract

Financial management is still an obstacle in developing MSME business capacity. This is due to the low level of financial literacy possessed by MSME actors as well as an attitude of awareness and responsibility that has not been carried out properly regarding financial management of business income. This research aims to determine the influence of financial literacy, financial attitudes and income on the financial management behavior of MSME players. This type of research is quantitative research. The research respondents were MSME actors in the culinary sector in Bantul Regency. Sampling was carried out using a purposive sampling technique with a sample of 102 respondents obtained in the study. The data used in this research is primary data, namely data from the results of the respondent's questionnaire answers. The analysis technique used is descriptive statistical analysis and multiple linear regression analysis. The research results show that (1) financial literacy has a significant effect on the financial management behavior of MSME actors; (2) financial attitudes do not have a significant effect on the financial management behavior of MSME actors; (3) income has a significant effect on the financial management behavior of MSME actors.

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Journal Info

Abbrev

distribusi

Publisher

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Other

Description

PT PLN (Persero) Unit Induk Distribusi Jakarta Raya terus melakukan peningkatan pelayanan kepada pelanggan dengan melakukan pemasangan baru sesuai dengan waktu yang ditargetkan. Kecepatan pemasangan adalah salah satu faktor yang mempengaruhi pelayanan dan persepsi pelanggan terhadap perusahaan. PT ...