THE INFLUENCE OF FINANCIAL KNOWLEDGE AND FINANCIAL ATTITUDES ON THE FINANCIAL MANAGEMENT BEHAVIOR OF WEAVER UMKM PEOPLE IN BENGKALIS VALUE FROM A SHARIA ECONOMIC PERSPECTIVE
Keywords:
Financial Knowledge, Financial Attitude, Financial Management, BehaviorAbstract
This research is motivated by the rapid development of the Micro, Small and Medium Enterprises (UMKM) sector in Indonesia, which is supported by government policies as stated in Law Number 20 of 2008. Even though UMKM contribute significantly to the economy, there are still challenges in financial management. faced by business actors, especially in weaving craft centers in Bengkalis. This research aims to analyze the influence of financial knowledge and financial attitudes on financial management behavior among weaving UMKM in Bengkalis from a sharia economic perspective. The method used is a quantitative descriptive study with primary data collection through closed questionnaires which are analyzed using statistical techniques. The research results show that financial knowledge and financial attitudes have a positive and significant influence on the financial management behavior of weaving craftsmen. Financial knowledge shows tcount 6.827 (significance 0.000), financial attitude tcount 2.636 (significance 0.011), and the combination of both F count 37.356 (significance 0.000). The R Square value of 0.624 shows that 62.4% of financial management behavior is influenced by financial knowledge and attitudes, the remaining 37.6% by other factors. The sharia economic perspective also emphasizes the importance of transparent and accountable financial management, so that UMKM can contribute more optimally to economic development
References
Agustini, Pratiwi. “Menkominfo: UMKM Sumbang 60 Persen PDB Indonesia.” Kominfo. Last modified 2020. https://aptika.kominfo.go.id/2020/10/menkominfo-umkm-sumbang-60-persen-pdbNo Title-indonesia/.
Alma, Buchari. Kewirausahaan. Bandung: Alfabeta, 2013.
Arifin, Barnawi & M. Manajemen Sarana & Prasarana Sekolah. Yogyakarta: Ar-Ruzz Media, 2012.
Chaidir, Taufiq, Ida Ayu Putri S, Gusti Ayu, and Baiq Ismiwati. “Determinan Literasi Keuangan Pada Pelaku Usaha Mikro, Kecil, Dan Menengah (UMKM) Di Kota Mataram.” Elastisitas – Jurnal Ekonomi Pembangunan 2, no. 1 (2020): 4.
Hikmat. Manajemen Pendidikan. Bandung: CV. Pustaka Setia, 2009.
Humaira, Iklima. “Pengaruh Pengetahuan Keuangan, Sikap Keuangan, Dan Kepribadian Terhadap Perilaku Manajemen Keuangan Pada Pelaku UMKM Sentra Kerajinan Batik KABUPATEN BANTUL.” Nominal Barometer Riset Akuntansi dan Manajemen 7, no. 1 (2018): 102.
Ilham, M., & Amor, G. S. (2023). PENGARUH PENGGUNAAN SHOPEE PAYLATER TERHADAP PRILAKU KONSUMTIF DITINJAU DARI PERSPEKTIF EKONOMI SYARIAH. ADL ISLAMIC ECONOMIC: Jurnal Kajian Ekonomi Islam, 4(2), 105-117.
Lestari. Manajemen Keuangan Pribadi Cerdas Mengelola Keuangan. Yogyakarta: Deepublish Publisher, 2020.
Mien, Nguyen Thi Ngoc, and Tran Phuong Thao. “Factors Affecting Personal Financial Management Behaviors: Evidence from Vietnam.” Proceedings of the Second Asia-Pacific Conference on Global Business, Economics, Finance and Social Sciences (AP15Vietnam Conference) 10, no. 5 (2015): 1–16.
Novita.M, Tarry. “Pengaruh Personal Financial Literacy, Financial Attitude Terhadap Financial Management Behavior Mahasiswa S1 Fakultas Ekonomi Universitas Andalas.” Skripsi, Universitas Andalas (2021).
RI, Kementerian Keuangan. “Konstribusi UMKM Dalam Perekonomian Indonesia.” Last modified 2023. https://djpb.kemenkeu.go.id/kppn/lubuksikaping/id/data-publikasi/artikel/3134-kontribusi-umkm-dalam-perekonomian-indonesia.html.
Sari, Novi Ratna, and Agung Listiadi. “Pengaruh Literasi Keuangan, Pendidikan Keuangan Di Keluarga, Uang Saku Terhadap Perilaku Pengelolaan Keuangan Dengan Financial Self-Efficacy Sebagai Variabel Intervening.” Jurnal Pendidikan Akuntansi (JPAK) 9, no. 1 (2021): 60.
Serly Novianti. “Pengaruh Locus Of Control, Financial Knowledge, Income Terhadap Financial Management Behavior.” Jurnal Akuntansi Kompetif Vol. 2, No, no. 1 (2019): 1–10.
Wirjono, Endang Raino dan Raharjono, D.Agus Budi. “Survei Pemahaman Dan Pemanfaatan Informasi Akuntansi Dalam Usaha Kecil Menengah Di Daerah Istimewa Yogyakarta.” AUDI Jurnal Akuntansi dan Bisnis 7, no. 2 (2022).
