JURNAL MANAJEMEN MOTIVASI
Vol 21 No 2 (2025): Jurnal Manajemen Motivasi

Building the Foundation of Financial Behavior among MSMEs in Medan An Analysis of the Roles of Financial Literacy, Financial Attitude, and Financial Inclusion

Perangin-Angin, Naca (Unknown)
Ginting, Litka Tiadoraria Br (Unknown)
Ginting, Sugianta Ovinus (Unknown)

Article Info

Publish Date
24 Oct 2025

Abstract

This study investigates the influence of financial literacy, financial attitude, and financial inclusion on the financial behavior of MSMEs in Medan. Using a quantitative method with Structural Equation Modeling (SEM), data were collected from 100 MSMEs. The results show that financial literacy and financial inclusion do not significantly affect financial behavior. In contrast, financial attitude has a significant positive effect. These findings suggest that behavioral changes in MSMEs are more driven by internal attitudes than by financial knowledge or access. Therefore, financial training should not only focus on knowledge and access, but also on shaping positive financial mindsets among MSME actors.

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Journal Info
JURNAL MANAJEMEN MOTIVASI
Website

Abbrev

jm_motivasi

Publisher

Universitas Muhammadiyah Pontianak

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Description

Jurnal Manajemen Motivasi (JMM) adalah Jurnal Ilmiah Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Pontianak yang diterbitkan secara berkala 2 (dua) kali dalam satu tahun (Juni dan Oktober) sebagai sarana untuk menyebarluaskan hasil penelitian dan ilmu pengetahuan di bidang ilmu manajemen ...