Article Sidebar

Download
PDF
Statistic
Read Counter : 509 Download : 569

Main Article Content

Abstract

This research aims to determine the influence of financial literacy, financial attitudes, locus of control and government assistance on financial behavior in MSMEs receiving assistance in Langsa City. The sample in this study amounted to 374 people. The data analysis method uses multiple linear regression analysis, t test, F test, and coefficient of determination test. The regression equation in this research is Y = 4.116 + 0.311X1 + 0.120X2 + 0.060X3 + 0.201X4. A constant of 4.116 shows the value of financial behavior in MSMEs if financial literacy, financial attitude, locus of control and government assistance have a fixed value. The regression coefficients of financial literacy, financial attitudes, locus of control and government assistance show a positive influence on the financial behavior of MSMEs. Financial literacy, financial attitudes, locus of control and government assistance partially have a significant effect on the financial behavior of MSMEs receiving assistance in Langsa City, where from the t test the t sig value is obtained. each variable is 0.00 < 0.05. Financial literacy, financial attitudes, locus of control and government assistance simultaneously have a significant effect on the financial behavior of MSMEs receiving assistance in Langsa City, where from the F test the F sig value is obtained. equal to 0.00 < 0.05. From the analysis of the coefficient of determination it is known that the variables financial literacy, financial attitude, locus of control and government assistance influence the financial behavior of MSMEs receiving assistance in Langsa City by 52.4%, while the remaining 47.6% is influenced by other variables outside this research model.

Keywords

Financial Literacy Financial Attitude Locus of Control Government Assistance Financial Behavior

Article Details

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.

How to Cite
Sinta, M. D., Fuad, M., & Dewi, M. (2023). The Influence of Financial Literacy, Financial Attitude, Locus of Control, and Government Assistance on the Financial Behavior of Aid-Recipient Small and Medium Enterprises (SMEs) in the City of Langsa. Pasundan Social Science Development, 4(1), 64–71. https://doi.org/10.56457/pascidev.v4i1.81

References

  1. Hastuti, Rahmah, 2021, Psikologi Remaja, Penerbit ANDI, Yogyakarta.
  2. Humaira, I., dan Sagoro, E.M. 2018, Pengaruh Pengetahuan Keuangan, Sikap Keuangan dan Kepribadian terhadap Perilaku Manajemen Keuangan Pada Pelaku UKM Sentra Batik Kabupaten Bantul,Jurnal Nominal. Vol. 7. No. 1; 96-110.
  3. Listiani, Kurnia, 2017, Pengaruh Financial Knowledge, Locus Of Control, dan Financial Attitude terhadap Financial Management Behavior pada Mahasiswa, Skripsi, STIEPerbanas Surabaya.
  4. Nababan, D 2012, Analisis Personal Financial Literacy dan Financial Behavior Mahasiswa Strata I Fakultas Ekonomi Universitas Sumatera Utara, Skripsi, Fakultas Ekonomi Universitas Sumatera Utara, Medan.
  5. Noor, Juliansyah, 2011, Metodologi Penelitian Skripsi, Tesis, Disertasi, dan
  6. Karya Ilmiah,Prenadamedia Group, Jakarta.
  7. Otoritas Jasa Kuangan2017, Strategi Nasional Literasi Keuangan Indonesia (Revisit 2017), Otoritas Jasa Keuangan, Jakarta.
  8. Prihartono,M.R.D dan Asandimitra, N. 2018, Analysis Factors Influencing Financial Management Behavior, International Journal of Academic Research in Business and Social Sciences, Vol. 8, No. 8; 308-326.
  9. Rahayu. Aghitnia Setyaning, 2019, Pengaruh Literasi Keuangan, Kendali Diri,
  10. Optimisme, dan Pemikiran Deliberatif terhadap Perilaku Keuangan dan
  11. Kesejahteraan Keuangan, Skripsi, Fakultas Ekonomi, Universitas Islam
  12. Indonesia, Yogyakarta.
  13. Sahara, Y., Fuad, M. dan Setianingsih, D. (2022). The role of financial attitude, financial experience, financial knowledge and personality on student’s personal financial management behavior. Sorot, Vol. 17, No. 3, hal. 167-176.
  14. Sanjiwani, Desak Made Putri dan Wisadha, I Gede Suparta, 2016, Pengaruh Locus Of Control, Gaya Kepemimpinan dan Komitmen Organisasi Pada Kinerja Auditor Kantor Akuntan Publik, E-Jurnal Akuntansi Universitas Udayana, Vol. 14. No. 2;920-947.
  15. Soetiono dan Setiawan, 2018,Literasi Keuangan dan Inklusi Keuangan Indonesia, Cetakan ke-1, Rajawali,Depok.
  16. Sugiyono, 2018, Metode Penelitian Kuantitatif, Kualitatif, dan R dan D, Cetakanke-28Alfabeta, Bandung.
  17. Sugiyono, 2019, Metodologi Penelitian Kuantitatif, Kualitatif, Kuantitatif dan R dan D, Alfabeta, Bandung.
  18. Sugiyono,2017,MetodePenelitianPendidikanPendekatanKuantitatif,Kualitatif, R dan D,Cetakanke-12Alfabeta, Bandung.
  19. Thin, Alexander, 2021, Pengantar Bisnis,Penerbit ANDI, Yogyakarta.
  20. Undang-Undang Republik Indonesia, 2016,Undang-Undang RI Nomor 18 tahun 2016Tentang Pedoman Umum Penyelenggaraan Bantuan PemerintahPada Kementerian Koperasi dan Usaha Kecil dan Menengah.
  21. Undang-UndangRepublikIndonesia,2008,Undang-UndangRINomor20tahun2008TentangUsahaMikro,Kecil,danMengah.
  22. Wardhani, Nidya Riswanda Trisma, 2019, Pengaruh Tingkat Pendidikan, LiterasiKeuangan,danPerencanaanKeuanganterhadapPerilakuKeuanganUMKM Unggulan di Kabupaten Lumajang, Skripsi, Fakultas Ekonomi dan Bisnis, Universitas Jember.
  23. Wilantara, Rio F dan Susilawati 2016, Strategi dan kebijkan Pengembangan UMKM, (Upaya Meningkatkan Daya Saing UMKM Nasional di Era MEA), Cetakan 1, Refika Aditama, Bandung.
  24. Winarta, Wayan Tagel, Raka, Anak Agung Gede, dan Sumada, I Made, 2019,
  25. Evaluasi Kebijakan Penyaluran Dana Bantuan Sosial di Pemerintah
  26. Kabupaten Gianyar, Jurnal Adminitrasi Publik, Vol. 5, No.1; 28-42.
  27. Yunita, Nia. 2020, Pengaruh Gender dan Kemampuan Akademis Terhadap LiterasiKeuangan Dalam Perilaku Pengelolaan Keuangan Pada Mahasiswa Jurusan Akuntansi, Prisma (Platform Riset Mahasiswa Akuntansi), Vol. 1.No.2;1-12.
  28. Zahroh, Fatimatus, 2014, Menguji Tingkat Pengetahuan Keuangan, Sikap Keuangan Pribadi, dan Perilaku Keuangan Pribadi Mahasiswa Jurusan Manajemen Fakultas Ekonomi dan Bisnis Semester 3 dan Semester 7. Skripsi. Fakultas Ekonomi dan Bisnis. Universitas Diponegoro. Semarang