Determinan Perilaku Manajemen Keuangan UMKM di Kelurahan Lenteng Agung DKI Jakarta

Zikrillah Zikrillah, Wahyudi Wahyudi, Agus Kusmana

Abstract


The purpose of this study was to determine the effect of financial literacy, income and financial attitudes on financial management behavior intervening with financial technology on micro, small and medium enterprises in Lenteng Agung Subdistrict, Jagakarsa District, DKI Jakarta City. With all UMKM actors in Lenteng Agung sub-district a population of 107 UMKM actors, and the sample was determined using a non-probability sampling method with a saturated sample technique so that there were 107 respondents. Data collection was done by distributing questionnaires. The data analysis technique used the PLS (Partial Least Square) analysis method with the SmartPLS 3.0 software. The results of the research include (1) financial literacy has a significant and positive effect on financial management behavior; (2) income has a significant and positive effect on financial management behavior; (3) financial attitudes have a significant and positive effect on financial management behavior; (4) financial literacy through fintech has no effect on financial management behavior; (5) income through fintech has no effect on financial management behavior; and (6) financial attitudes through fintech have no effect on financial management behavior.


Keywords


Financial Literacy; Income; Financial Attitudes; Financial Technology; Financial Management Behaviour.

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References


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