Pengaruh Literasi Keuangan dan Sikap Keuangan Terhadap Pengelolaan Keuangan Pada Pelaku Usaha Mikro
DOI:
https://doi.org/10.8844/pa7e2v21Kata Kunci:
literasi keuangan, sikap keuangan, Pengelolaan keuangan, usaha mikroAbstrak
Micro enterprises play a crucial role in Indonesia's economy, including in the Tamalanrea District, Makassar. However, many micro-business owners still face challenges in financial management. This study aims to analyze the influence of financial literacy and financial attitude on the financial management of micro-business owners in Tamalanrea District. This research employs a quantitative approach using the Structural Equation Modeling (SEM) technique based on Partial Least Squares (PLS). The sample consists of 95 respondents selected using a non-probability sampling technique. The results show that financial literacy has a positive and significant influence on financial management, with a t-value of 5.737 (p < 0.05). Financial attitude also has a positive and significant effect on financial management, with a t-value of 2.936 (p < 0.05). The R-square value of 0.805 indicates that the financial literacy and financial attitude variables explain 80.5% of the variability in financial management. The findings highlight the importance of improving financial literacy and fostering a positive financial attitude among micro-business owners to enhance their financial stability and business sustainability.
Unduhan
Referensi
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