FAKTOR-FAKTOR PERILAKU MANAJEMEN KEUANGAN PADA UKM DI PEKANBARU RIAU
Keywords:
Pengetahuan Keuangan, Sikap Keuangan, Efikasi Diri Keuangan, Sifat Kepribadian
Abstract
Penelitian ini bertujuan untuk mengetahui pengaruh Pengetahuan Keuangan, Sikap Keuangan, Efikasi Diri Keuangan dan Sifat Kepribadian terhadap Perilaku Pengelolaan Keuangan pada UMKM di Pekanbaru, baik secara parsial maupun simultan. Data yang digunakan dalam penelitian ini adalah data primer yang diperoleh dari pengisian kuesioner dengan jumlah responden sebanyak 99 orang dan data sekunder yang diperoleh melalui studi pustaka dan internet. Metode pengumpulan data dalam penelitian ini menggunakan kuesioner, buku-buku literatur dan jurnal yang berkaitan dengan penelitian. Metode analisis data yang digunakan meliputi uji kualitas data, uji asumsi klasik, analisis regresi berganda dan uji hipotesis. Hasil dari penelitian ini menunjukkan bahwa Pengetahuan Keuangan, Sikap Keuangan, Efikasi Diri Keuangan, dan Sifat Kepribadian berpengaruh signifikan terhadap Perilaku Manajemen Keuangan pelaku UMKM di Pekanbaru secara simultan. Nilai Adjusted R Square sebesar 0,264 atau 26,4% yang berarti Perilaku Pengelolaan Keuangan dipengaruhi oleh Pengetahuan Keuangan, Sikap Keuangan, Efikasi Diri Keuangan dan Sifat Kepribadian dan sisanya sebesar 73,6% dapat dijelaskan oleh faktor lain yang tidak didefinisikan dalam penelitian ini.
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K., & Iamsawan, N. (2022). Sustainable Leadership practices and competencies of SMEs for sustainability and resilience: A community-based social enterprise study. Sustainability, 14(10), 5762.
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Utami, ES, Aprilia, MR, & Putra, ICA (2021). Financial literacy of micro, small, and medium enterprises of consumption sector in Probolinggo city. Journal of Management and Entrepreneurship, 23(1), 10-17.
Yakob, S., Yakob, R., BAM, HS, & Rusli, RZA (2021). Financial literacy and financial performance
of small and medium-sized enterprises. The South East Asian Journal of Management, 15(1), 5.
Andriyani, NS (2018). THE INFLUENCE OF FINANCIAL LITERACY, PERSONALITY TRAITS AND ATTITUDES TOWARDS MONEY ON FAMILY FINANCIAL
PLANNING. management
journal, 2-10.
Andriyani, ns (2018). The Influence of
Financial Literacy, Personality Traits and Attitudes Towards Money on Family Financial Planning. Journal of Economics, Business and Accounting.
anwar, m. (nd). tazkia institute. Retrieved 9 24, 2017, from https://tazkia.ac.id/id/blog/2017/0 9/24/peplanan-keuangan-islami- why-not/
Ardila, I., Febriaty, H., & Astuti, R. (2021, November). Factors that Influence the Financial Literacy on Micro Small and Medium Enterprises. In Journal of International Conference Proceedings (Vol. 4, No. 2, pp. 144-149).
Arifa, JS (2019). THE INFLUENCE OF FINANCIAL EDUCATION IN THE FAMILY, INCOME, AND FINANCIAL LITERACY ON FINANCIAL MANAGEMENT BEHAVIOR THROUGH FINANCIAL SELF-EFFICACY AS A MEDIATION VARIABLE IN SEMARANG STATE UNIVERSITY STUDENTS FOR THE Batch of 2016. Economic Journal, 17-57.
Asandimitra, NL (2018). THE INFLUENCE OF DEMOGRAPHICS, FINANCIAL KNOWLEDGE, FINANCIAL ATTITUDE, LOCUS OF CONTROL AND FINANCIAL SELF-EFFICACY ON FINANCIAL MANAGEMENT BEHAVIOR OF THE SURABAYA COMMUNITY. Journal of Management Science, 6, 93-107.
BADAWI, A., & NUGROHO, L. (2022). Business Sustainability Through Improving the Quality of
8625
2024. COSTING:Journal of Economic, Business and Accounting 7(4):8617-8628
Human Resources to Create Innovative Behavior in Product Development in North Meruya District MSMEs. Accounting and Humanities: Journal of Community Service, 1(2), 140- 144.
Bandura, A. (1977). Self-Efficacy: Toward A Unifying Theory of Behavioral Change. Psychological Review. 191-215.
Baptista, SMJ, & Dewi, AS (2021). The influence of financial attitude, financial literacy, and locus of control on financial management behavior. International Journal of Social Science and Business, 5(1), 93-98.
Bergner, R. M. (2020). What is personality? Two myths and a definition. New Ideas in Psychology, 57, 100759.
Damanik, I. H. (2016). The Influence of Financial Attitude, Financial Knowledge, Parental Income on Financial Management Behavior. Journal of Theoretical and Applied Management, 226–241.
Dwinta, I. d. (2010). The influence of locus of control, financial knowledge, and income on financial management behavior. Journal of Business and Accounting, 12, 131-144.
Dwinta, I. d. (2010). The influence of locus of control, financial knowledge, and income on financial management behavior. Journal of Business and Accounting, 12, 131-144.
Dwinta, I. d. (2010). THE INFLUENCE OF LOCUS OF CONTROL, FINANCIAL KNOWLEDGE, INCOME ON FINANCIAL MANAGEMENT BEHAVIOR. business and accounting journal, 12, 131 – 144.
Ellitan, L. (2020). Competing in the era of industrial revolution 4.0 and society 5.0. Maximreneur Journal: Management, Cooperatives and Entrepreneurship, 10(1), 1-12.
Frisancho, V. (2020). The impact of financial education for youth. Economics of Education Review, 78, 101918.
Hala, Y., Abdullah, MW, Andayani, W., Ilyas, GB, & Akob, M. (2020). The financial behavior of investment decision making between real and financial assets sectors. The Journal of Asian Finance, Economics and Business, 7(12), 635-645.
Hasan, M., Le, T., & Hoque, A. (2021). How does financial literacy impact on inclusive finance? Financial innovation, 7(1), 40.
Hasan, M. M., Popp, J., & Oláh, J. (2020). Current landscape and influence of big data on finance. Journal of Big Data, 7(1), 21.
Herawati, NT, Candiasa, IM, Yadnyana, IK, & Suharsono, N. (2020). Factors that influence financial self-efficacy among accounting students in Bali. Journal of International Education in Business, 13(1), 21-36.
Hilgert, M. A. (2003). Household Financial Management: The Connection between Knowledge and Behavior. Federal Reserve Bulletin, 309-322.
Hilgert, M. A. (2003). Household Financial Management: The Connection between Knowledge and Behavior. Federal Reserve Bulletin, 309-322.
Iramani, R., & Lutfi, L. (2021). An integrated model of financial well- being: The role of financial behavior. Accounting, 7(3), 691- 700.
Inayati Widya Sari, d. (2020). The Influence of Financial Literacy, Financial Attitude and Income on Financial Management Behavior of Fashion MSME Actors in Batu City. e – Journal of Management Research, 17-18.
Irine Herdjiono, LA (2016). THE INFLUENCE OF FINANCIAL ATTITUDE, FINANCIAL KNOWLEDGE, PARENTAL INCOME ON FINANCIAL MANAGEMENT BEHAVIOR. Journal of Theoretical and Applied Management, 226-241.
Jayani, DH (nd). katadata.co.id. Retrieved 5 20, 2020, from https://databoks.katadata.co.id/dat apublish/2020/05/20/berapa- sumbangan-umkm-terhadap-per Ekonomi- indonesia#:~:text=Usaha%20Mikr o%2C% 20Small%2C%20and%20Medium ,57%2C8%25%20to%20GDP.
Jeffrey Dew, J. J. (2013). Financial Declines, Financial Behaviors, and Relationship Happiness during the. Journal of Financial Therapy, 3.
Kadoya, Y., & Khan, M.S.R. (2020). Financial literacy in Japan: New evidence using financial knowledge, behavior, and attitude. Sustainability, 12(9), 3683.
Kholilah, NA (2013). Study of Financial Management Behavior in Surabaya Society. Journal of Business and Banking, 69-80.
Lown, J. M. (2011). Development and Validation of a Financial Self- Efficacy Scale. Association for Financial Counseling and Planning Education. 54–63.
Lusardi, A. &. (2008). Debt literacy, financial experiences, and overindebtedness. Dartmouth Working Papers.
Marsh, B. (2006). Examining the personal financial attitudes, behavior and knowledge levels of first-year and senior students at Baptist Universities in the State of Texas. Bowling Green State University.
Mien Nguyen Thi Ngoc, T.T. (2015). Factors Affecting Personal Financial Management Behaviors: Evidence from Vietnam. Proceedings of the Second Asia- Pacific Conference on Global Business, Economics, Finance and Social Sciences.
Minnesota, uo (2015). Principles of Management.
MUBAROK, MH (2017). THE INFLUENCE OF DEMOGRAPHIC FACTORS, FINANCIAL KNOWLEDGE AND PERSONALITY TRAITS ON FAMILY FINANCIAL MANAGEMENT BEHAVIOR. management, 1-11.
Noor, H.F. (2009). Investment, Business Financial Management, and Community Economic Development.
Pekanbaru.go.id (2017, February 2). Economy of Pekanbaru City. accessed on March 15 2021, from https://www.pekanbaru.go.id/p/m enu/profil-kota/mengenal-kota- pekanbaru.
Pamungkas, MH (2019). Influence of Financial Knowledge, Locus of Control and. Journal of Managerial and Entrepreneurship, I, 890-889.
Prijadi, R., Wulandari, P., Desiana, PM, Pinagara, FA, & Novita, M. (2020). Financing needs of micro- enterprises along their evolution. International Journal of Ethics and Systems, 36(2), 263-284.
Rajna Anthony, SE-J. (2011). Financial Management Attitude and Practice among the Medical Practitioners in
Public and Private Medical Service in Malaysia. International Journal of Business and Management.
Ramadan, R., Rifai, MB, & Faluti, M. Z. (2023). Optimizing Ecotourism Potential on the Siak Riverbanks, Pekanbaru City, Riau Province. Journal of Applied Tourism Science, 8(2), 101-111.
Rosyadah, K., Mus, AR, Semmaila, B., & Chalid, L. (2022). The Relevance of Working Capital, Financial Literacy and Financial Inclusion on Financial Performance and Sustainability of Micro, Small and Medium-Sized Enterprises (MSMEs). American Journal of Humanities and Social Sciences Research (AJHSSR), 4, 203-216.
Sugiyono. (2012). Business Research Methods. Bandung: alphabet. Suriyankietkaew, S., Krittayaruangroj,
K., & Iamsawan, N. (2022). Sustainable Leadership practices and competencies of SMEs for sustainability and resilience: A community-based social enterprise study. Sustainability, 14(10), 5762.
Susan, M. (2020). Financial literacy and growth of micro, small, and medium enterprises in West Java, Indonesia. In Advanced issues in the economics of emerging markets (pp. 39-48). Emerald Publishing Limited.
Utami, ES, Aprilia, MR, & Putra, ICA (2021). Financial literacy of micro, small, and medium enterprises of consumption sector in Probolinggo city. Journal of Management and Entrepreneurship, 23(1), 10-17.
Yakob, S., Yakob, R., BAM, HS, & Rusli, RZA (2021). Financial literacy and financial performance
of small and medium-sized enterprises. The South East Asian Journal of Management, 15(1), 5.
Published
2024-06-13
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