PENGARUH FINANCIAL LITERACY, FINANCIAL SELF EFFICACY, DAN LOCUS OF CONTROL TERHADAP FINANCIAL MANAGEMENT BEHAVIOR PADA UMKM DI KABUPATEN SAMPANG

Imroatus Sholihah; Vidi Hadyarti

doi:10.31539/costing.v7i6.13186

Imroatus Sholihah Universitas Trunojoyo
Vidi Hadyarti Universitas Trunojoyo Madura

DOI: https://doi.org/10.31539/costing.v7i6.13186

Keywords: Financial literacy, Financial self efficacy, Locus of Control, and Financial management behavior

Abstract

UMKM merupakan sarana yang sangat baik untuk menciptakan lapangan kerja produktif. Di wilayah Madura seperti Kabupaten Sampang, UMKM menjadi tulang punggung perekonomian lokal dengan menciptakan lapangan kerja produktif yang berkontribusi pada pertumbuhan ekonomi inklusif. Seiring dengan pertumbuhan jumlah UMKM, tantangan utama yang dihadapi adalah bagaimana memastikan keberlanjutan usaha tersebut melalui pengelolaan keuangan yang efektif. Penelitian ini bertujuan untuk mengkaji pengaruh Financial literacy, Financial self efficacy, dan Locus of Control terhadap Financial management behavior pada UMKM di Kabupaten Sampang. Penelitian ini mengadopsi metode kuantitatif dengan pengolahan data menggunakan perangkat lunak statistik SPSS versi 26. Populasi penelitian mencakup seluruh UMKM di Kabupaten Sampang, dengan sampel diambil menggunakan metode purposive sampling, melibatkan 53 responden pelaku UMKM. Data dikumpulkan melalui survei menggunakan instrumen kuesioner berformat skala Likert. Data penelitian mendukung hipotesis bahwa Financial literacy, Financial self efficacy, dan Locus of Control berpengaruh positif dan signifikan baik secara parsial maupun simultan terhadap perilaku pengelolaan keuangan pada UMKM di Kabupaten Sampang. Temuan ini memberikan implikasi bahwa peningkatan Financial literacy dan pemahaman mengenai Financial self efficacy serta Locus of control dapat membantu pelaku UMKM dalam mencapai kinerja keuangan yang lebih optimal.

Kata Kunci : Financial literacy, Financial self efficacy, Locus of Control, dan Financial management behavior

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