Published: 2024-10-02

Analisis Pengaruh Literasi Keuangan, Kepribadian dan Sikap Keuangan terhadap Perilaku Pengelolaan Keuangan UMKM

DOI: 10.35870/jemsi.v10i5.3227

Bagus Hari Sugiharto, Naswan Hadilia, Duffin, Made Susilawati, Wagiyo
  • Bagus Hari Sugiharto: Institut Teknologi dan Bisnis Yadika Pasuruan , Indonesia
  • Naswan Hadilia: Muhammadiyah University of North Maluku , Indonesia . image/svg+xml
  • Duffin: Institut Bisnis Informasi Teknologi dan Bisnis , Indonesia
  • Made Susilawati: Universitas Persatuan Guru 1945 NTT , Indonesia
  • Wagiyo: Universitas Muhammadiyah Pringsewu , Indonesia
Front Cover JEMSI Volume 12 Nomor 1 Februari 2026

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Abstract

Penelitian yang dilakukan bertujuan menganalisis pengaruh literasi keuangan, kepribadian dan sikap keuangan terhadap perilaku pengelolaan keuangan UMKM. Jenis penelitian yang dilakukan ini termasuk penelitian kuantitatif. Objek dalam penelitian yang menjadi UMKM di Kabupaten Pasuruan. Teknik dalam pengumpulan data memanfaatkan kuesioner. Uji validitas, dan reliabilitas telah dilakukan pada 93 orang. Hasil pengujian terbuktikan bahwa literasi keuangan berpengaruh positif, dan bersignifikan terhadap perilaku pengelolaan keuangan UMKM. Kepribadian berpengaruh positif, dan signifikan terhadap perilaku pengelolaan keuangan UMKM. Sikap keuangan berpengaruh positif dan signifikan terhadap perilaku pengelolaan keuangan UMKM. Hasil yang diperoleh nilai Adjusted R Square sebesar 57,6%. Hasil penelitian secara simultan dibuktikan bahwa literasi keuangan, kepribadian, dan sikap keuangan berpengaruh positif dan signifikan terhadap perilaku pengelolaan keuangan UMKM.

Keywords

perilaku pengelolaan keuangan UMKM, literasi keuangan, kepribadian, sikap keuangan

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How to Cite

Sugiharto, B. H., Naswan Hadilia, Duffin, Made Susilawati, & Wagiyo. (2024). Analisis Pengaruh Literasi Keuangan, Kepribadian dan Sikap Keuangan terhadap Perilaku Pengelolaan Keuangan UMKM. JEMSI (Jurnal Ekonomi, Manajemen, Dan Akuntansi), 10(5), 3052-3058. https://doi.org/10.35870/jemsi.v10i5.3227
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This article has been peer-reviewed and published in the JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi). The content is available under the terms of the Creative Commons Attribution 4.0 International License.

  • Issue: Vol. 12 No. 1 (2026)

  • Section: Articles

  • Published: %750 %e, %2024

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