Pengaruh Sikap Keuangan Terhadap Perilaku Manajemen Keuangan Dengan Moderasi Literasi Keuangan Pelaku Usaha Kecil di Bidang Ekonomi Kreatif (Studi Kasus di Umkm Kota Metro)

Desi Tiawati
Ardiansyah Japlani
Karnila Ali

Jurnal Manajemen DIVERSIFIKASI
Vol. 6 No. 3 (2026): September

This research aims to find out whether financial attitudes influence the financial management behavior of small business actors in the creative economy sector in metro cities. To find out whether Financial Literacy moderates the relationship between the influence of Financial Attitudes on Financial Management Behavior among Small Business Actors in the Creative Economy Sector in Metro City. This type of research is quantitative. The instrument used in this research is a questionnaire which will be filled out directly by respondents to the survey of small business actors in Metro City. The population used in this research is small business actors in the creative economy sector in Metro City. In this study, the population was not greater than 100 respondents, so the sample taken was 100% of the existing population, namely 37 respondents. Data analysis was carried out using validity tests, reliability tests, normality tests, linearity tests, homogeneity tests, and Moderated Regression Analysis (MRA) tests. After conducting the research, a conclusion can be drawn, namely that based on the results of the tests carried out, it shows that Financial Attitude has a positive and significant effect on Financial Management Behavior among Small Business Actors in the Creative Economy Sector in Metro City. Based on the results of the tests carried out, it shows that Financial Literacy moderates the positive and significant relationship between Financial Attitudes and Financial Management Behavior among Small Business Actors in the Creative Economy Sector in Metro Cities.