FINANCIAL LITERACY, SELF EFFICACY, DAN FINANCIAL ATTITUDE TERHADAP FINANCIAL MANAGEMENT BEHAVIOUR UMKM DENGAN GENDER VARIABEL MODERASI
(1) * Hikmah Hikmah Mail (Universita Putera Batam, Indonesia)
(2) Risca Azmiana Mail (Universita Putera Batam, Indonesia)
*corresponding author

Abstract


Attaining effective financial management behavior necessitates possessing the awareness, knowledge, competencies, attitudes, and actions essential for making prudent financial choices. In the context of gender's moderating influence, this research aimed to determine the influence of financial literacy, self-efficacy, and attitudes on the financial management behavior of micro, small, and medium-sized enterprise (MSME) participants. The study employed associative research methodologies and utilized a survey questionnaire for data collection. The research sample comprised 204 participants, determined using the Jacob Cohen formula. The primary instrument employed in the study was a questionnaire. The data were analyzed using the Partial Least Squares (PLS) technique within the Structural Equation Modeling (SEM) framework. The results revealed that Financial Literacy positively and significantly impacts the financial management behavior of MSME participants, alongside Self-Efficacy and Financial attitude, both of which also exerted positive and significant influences on the financial management behavior of these individuals. Additionally, gender exhibited a notable and meaningful impact, serving as a moderator in the relationship between Financial Literacy and the financial management behavior of MSME participants.


Keywords


financial literacy, financial attitude, financial management behavior, self-efficacy

   

DOI

https://doi.org/10.31604/jips.v10i9.2023.4461-4470 		      

Article metrics

10.31604/jips.v10i9.2023.4461-4470 Abstract views : 0 | PDF views : 0

   

Cite

How to cite item
   

Full Text

Download

References


Ahmadi, H., & Sulistyowati, L. N. (2018). Pengaruh Status Sosial Ekonomi, Gender Terhadap Literasi Keuangan Studi Eksperimen pada Pelaku Usaha UMKM Di Madiun. Prosiding Seminar Nasional SIMBIOSIS III, September, 178–187.

Atikah, A., & Kurniawan, R. R. (2021). Pengaruh Literasi Keuangan, Locus of Control, dan Financial Self Efficacy Terhadap Perilaku Manajemen Keuangan. JMB : Jurnal Manajemen Dan Bisnis, 10(2), 284–297. https://doi.org/10.31000/jmb.v10i2.5132

Bucher-Koenen, T., Lusardi, A., Alessie, R., & van Rooij, M. (2017). How Financially Literate Are Women? An Overview and New Insights. Journal of Consumer Affairs, 51(2), 255–283. https://doi.org/10.1111/JOCA.12121

Budiono, E. (2020). Analisis Financial Knowledge, Financial Attitude, Income, Locus of Control , Financial Management Behavior Masyarakat Kota Kediri. Jurnal Ilmu Manajemen, 8(1), 284–295.

Chen, B., & Chen, Z. (2023). Financial Literacy Confidence and Retirement Planning: Evidence from China. Risks, 11(2), 1–14. https://doi.org/10.3390/risks11020046

Dewi, M. K., Khotimah, S., & Puspasari, N. (2014). Telaah Financial Literasi Mahasiswa FEB Universitas Jenderal Soedirman : Suatu Implikasi Pembelajaran di Perguruan Tinggi. Jurnal Ilmiah Mahasiswa, 4(1), 819–832.

Hikmah, H., Siagian, M., & Siregar, P. (2020). Analisis Tingkat Literasi Keuangan, Experienced Regret, dan Risk Tolerance pada Keputusan Investasi di Batam. Jesya (Jurnal Ekonomi & Ekonomi Syariah), 3(1), 138–146. https://doi.org/10.36778/jesya.v3i1.142

Hikmah, H., & Rustam, T. A. (2020). Pengetahuan investasi, motivasi investasi, literasi keuangan dan persepsi resiko pengaruhnya terhadap minat investasi pada pasar modal. SULTANIST: Jurnal Manajemen dan Keuangan, 8(2), 131-140.

Hikmah, H. (2021, October). Motivasi Investasi, Financial Literacy, Dan Persepsi Resiko Pengaruhnya Terhadap Minat Berinvestasi Di Pasar Modal. In National Conference on Applied Business, Education, & Technology (NCABET) (Vol. 1, No. 1, pp. 523-532).

Lianto, L. (2019). Self-Efficacy: A Brief Literature Review. Jurnal Manajemen Motivasi, 15(2), 55. https://doi.org/10.29406/jmm.v15i2.1409

Lusardi, A. (2019). Financial literacy and the need for financial education: evidence and implications. Swiss Journal of Economics and Statistics, 155(1), 1–8. https://doi.org/10.1186/s41937-019-0027-5

Lusardi, A., & Mitchelli, O. (2017). Financial literacy and retirement preparedness: Evidence and implications for financial education. Business Economics, 42(1), 35–44. https://doi.org/10.2145/20070104

Pramedi, A. D., & Haryono, N. A. (2021). Pengaruh Financial Literacy, Financial Knowledge, Financial Attitude, Income dan Financial Self Efficacy terhadap Financial Management Behavior Entrepreneur Lulusan Perguruan Tinggi di Surabaya. Jurnal Ilmu Manajemen, 9(2), 572. https://doi.org/10.26740/jim.v9n2.p572-586

Rizkiawati, N. L., & Asandimitra, N. (2018). Pengaruh Demografi, Financial Knowledge, Financial Attitude, Locus of Control Dan Financial Self-Efficacy Terhadap Financial Management Behavior Masyarakat Surabaya. Jurnal Ilmu Manajemen (JIM), 6(3), 93–103.

Thomas, A., & Gupta, V. (2021). Social Capital Theory, Social Exchange Theory, Social Cognitive Theory, Financial Literacy, and the Role of Knowledge Sharing as a Moderator in Enhancing Financial Well-Being: From Bibliometric Analysis to a Conceptual Framework Model. Frontiers in Psychology, 12(May), 1–16. https://doi.org/10.3389/fpsyg.2021.664638

Tinghög, G., Ahmed, A., Barrafrem, K., Lind, T., Skagerlund, K., & Västfjäll, D. (2021). Gender differences in financial literacy: The role of stereotype threat. Journal of Economic Behavior & Organization, 192, 405–416. https://doi.org/10.1016/J.JEBO.2021.10.015

Wardani, N. P. I. S., Suryani, E., & Nugraha, I. N. (2022). Financial Literacy , Self Efficacy , dan Self Esteem Terhadap Perilaku Manajemen Keuangan Pada Pelaku UMKM Dengan Gender Sebagai Variabel Moderasi. JPIn: Jurnal Pendidik Indonesia, 5(2), 129–146. http://jurnal.intancendekia.org/index.php/JPIn/article/view/343


Refbacks

  • There are currently no refbacks.


Bookmark and Share