MENINGKATKAN MAAJEMEN KEUANGAN UMKM : DAMPAK FINANCIAL KNOWLEDGE, LOVE OF MONEY, DAN SELF-EFFICACY
DOI:
https://doi.org/10.30737/jimek.v8i1.6251Keywords:
Manajemen Keuangan UMKM, Pengetahuan Keuangan, Love Of Money, Financial Self EfficacyAbstract
Madura is an island in Indonesia that is rich in diversity. Madura's diversity can innovate in the development of traditional businesses, the difficulties that exist in Madura. However, there are several obstacles that UMKM in Madura often face. These obstacles, such as marketing which is still generally traditional, difficulty accessing financial services, can make UMKM players tend not to understand how to manage UMKM finances properly and correctly.
The research objective is to determine the influence of financial knowledge, love of money, and financial self-efficacy on the financial management of Madurese MSMEs. The population is MSME actors in sub-districts in Sampang district, with a sample of 100 MSME actors in Sampan district. Quantitative research is used by researchers as a type of research, where data is collected through questionnaires and interviews with multiple linear analysis and classical assumption analysis.
The results explain that financial knowledge, love of money, and financial self-efficacy have a positive and significant influence on the financial management of MSMEs in Madura. This research provides the implication that increasing financial knowledge and self-confidence in financial management can improve the quality of financial management of MSMEs in Sampang district.
References
Abunawas, Nur Fadilah Amin; Sabaruddin Garancang; Kamaluddin. 2023. “KONSEP UMUM POPULASI DAN SAMPEL DALAM PENELITIAN” 14 (1): 15–31.
Amelia. 2022. “Pengaruh Literasi Keuangan , Sikap Keuangan , Dan Kepribadian Terhadap Perilaku Pengelolaan Keuangan Pada Pelaku UMKM Kelurahan Gedong , Jakarta Timur” 12 (1): 129–43.
Ananda, V. B., & Rahmi, E. 2023. “Pengaruh Pengetahuan Keuangan Terhadap Pengelolaan Keuangan Pribadi Mahasiswa” 6 (1): 37–44.
Dewanta, M. A., dan Z. Machmuddah. 2019. “Gender, Religiosity, Love of Money, and Ethical Perception of Tax Evasion.” Jurnal Dinamika Akuntansi Dan Bisnis 6 (1): 71–84.
Dona Marvita Rais, Aries Tanno. 2023. “Moderating Variable ( Empirical Study Of Wpop Registered At KPP Pratama Pengaruh Love Of Money Terhadap Tax Evasion Dengan Tingkat Pendidikan Sebagai Variabel Moderasi ( Studi Empiris Wpop Yang Terdaftar Pada KPP Pratama Padang Satu )” 4 (5): 5882–96.
Ghozali. 2013. “Aplikasi Analisis Multivariate Dengan Program IBM SPSS 21 Update PLS Regresi (Edisi Tuju).”
Humaira, I., & Sagoro, E. M. 2018. “Pengaruh Pengetahuan Keuangan, Sikap Keuangan, Dan Kepribadian Terhadap Perilaku Manajemen Keuangan Pada Pelaku UMKM Sentra Kerajinan Batik Kabupaten Bantul.” Jurnal Nominal VII (1).
Luna-Arocas, R., dan T. L.-P. Tang. 2004. “The Love of Money, Satisfaction, and the Protestant Work Ethic: Money Profiles among Univesity Professors in the USA and Spain.” Journal of Business Ethics 50 (4): 329–54.
Lutfianah Ulfa, Syarieful Ikhwan, Andi Yulianto, Dwi Harini, Gian Fitralisma. 2019. “Pengaruh Gaya Kepemimpinan , Motivasi , Disiplin Kerja , Budaya Organisasi Dan Stres Kerja Terhadap Kinerja Karyawan PD BKK Brebes” 1 (1): 41–52.
Maghfiroh, L., Biduri, S. 2022. “Adopsi E- Commerce Memediasi Hubungan Kesiapan Teknologi, Lingkungan Eksternal Dan Literasi Keuangan Terhadap Kinerja Keuangan UMKM,” 2118–2131.
Mawalia ‘Ulumudiniati, Nadia Asandimitra. 2022. “Pengaruh Financial Literacy, Financial Self-Efficacy, Locus of Control, Parental Income, Dan Love of Money Terhadap Financial Management Behavior : Lifestyle Sebagai Mediasi” 10: 51–67.
Muhammad Nur Fietroh, Baiq Sarah Andriani. 2021. “Peran Literasi Keuangan Dan Perilaku Keuangan Untuk Meningkatkan Minat Investasi Mahasiswa,” 153–60.
Rahmadani, R., & Jefriyanto, J. 2021. “A Strategy To Promote the Competitiveness of Micro, Small and Medium Enterprises (Msme) During the Condition of Covid 19 Pandemics.” Jurnal Akuntansi 11 (3): 197–208.
Umaimah, Lailatunisa Pujianti. 2024. “Pengaruh Financial Knowledge , Financial Attitude , Dan Lifestyle Pattern Terhadap Financial Management Behavior Dengan Locus of Control Sebagai Variabel Mediasi” 9 (1): 87–106.
Waspada, Ika Putera, and Heni Mulyani. 2020. “Meningkatkan Perilaku Pengelolaan Keuangan Mahasiswa Melalui Financial Literacy Dan Financial Sel Efficacy.” Jurnal Pendidikan Akuntansi & Keuangan.
Widiawati, Mega. 2020. “PENGARUH LITERASI KEUANGAN , LOCUS OF CONTROL , FINANCIAL SELF-EFFICACY , DAN LOVE OF MONEY TERHADAP” 01: 97–108.
Zikrillah, Z., Wahyudi, W., & Kusmana, A. 2021. “Determinan Perilaku Manajemen Keuangan UMKM Di Kelurahan Lenteng Agung DKI Jakarta.” Laku Manajemen Keuangan UMKM Di Kelurahan Lenteng Agung DKI Jakarta. Prosiding Korelasi: Konferensi Riset Nasional Ekonomi, Manajemen, Dan Akuntansi 2 (1): 1428 1445.
Downloads
Published
Issue
Section
License
Copyright (c) 2025 Regita Putri Cahyani, zaki, Helmi Buyung Aulia Safrizal
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Deprecated: json_decode(): Passing null to parameter #1 ($json) of type string is deprecated in /home/ojs.unik-kediri.ac.id/public_html/plugins/generic/citations/CitationsPlugin.php on line 68
