Peran Perilaku Keuangan dalam Memediasi Literasi Keuangan dan Keberlangsungan Usaha

Mega Noerman Ningtyas, Pipit Rosita Andarsari

Abstract


This research was conducted to test and analyze financial literacy on business continuity with financial behavior as a mediator. Data analysis by using 130 respondents of female MSME actors in Malang City. This research shows that financial literacy has an influence on financial behavior and business continuity. However, financial literacy on business continuity showed the opposite result. confidence. This is because MSME actors are not confident, so the government needs to facilitate with financial knowledge and effective programs for MSME actors.

 

Abstrak

Penelitian ini dilakukan untuk menguji dan menganalisis literasi keuangan terhadap keberlangsungan usaha dengan perilaku keuangan sebagai mediator. Analisis data menggunakan PLS dengan 130 responden pelaku UMKM wanita di Kota Malang. Riset ini menunjukkan literasi keuangan memiliki pengaruh terhadap perilaku keuangan dan keberlangsungan usaha. Namun literasi keuangan terhadap keberlangsungan usaha menunjukkan hasil sebaliknya. kepercayaan diri. Hal ini dikarenakan pelaku UMKM belum percaya diri, sehingga pihak pemerintah perlu memfasilitasi dengan pengetahuan keuangan dan program yang efektif untuk pelaku UMKM.


Keywords


Business Sustainability; Financial Behavior; Financial Literacy; Micro, Small and Medium Enterprises (MSME)

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DOI: http://dx.doi.org/10.33795/jraam.v5i1.004

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