The Influence of Knowledge and Income on Financial Management Behavior in Tangerang City Culinary MSMEs
DOI:
https://doi.org/10.22441/indikator.v6i3.14122Keywords:
Financial Knowledge, Income and Financial Management BehaviorAbstract
The purpose of this study was to find out some of the influence of financial knowledge and income on financial behavior in Culinary MSMEs in Pasar Lama in Tangerang City. The population used in this study is MSME actors in The Old Culinary Market in Tangerang City, amounting to 100 business actors while sampling techniques use purposive sampling methods with predetermined criteria as many as 50 business actors, by distributing questionnaires. This type of research is explanatory research using quantitative approaches. Data analysis uses multiple linear regressions, instrument tests, classical assumption tests, partial tests (t tests) and hypothesis testing using SPSS programs. The results showed that financial knowledge (X1) and income (X2) had an effect on financial behavior (Y).References
Andrew , V., & Linawati , N. (2014). Hubungan Faktor Demografi Dan Pengetahuan Keuangan Dengan Perilaku Keuangan Karyawan Swasta Di Surabaya. Finesta, Vol. 02, No. 02, Hlm 35-39.
Dayanti, F. K., Susyanti, J., & Broto S, M. A. (2020). Pengaruh Literasi Keuangan, Pengetahuan Keuangan Dan Sikap Keuangan Terhadap Perilaku Manajemen Keuangan Pada Pelaku Usaha UMKM Fashion Di Kabupaten Malang. e-Jurnal Riset Manajemen, 160-174.
Garman, E.T., Eckert, S.W. & Forgue, R.E. . (1985). Personal finance. U.S.A.
Herlinawati, D. (2015). Pengaruh Kontrol Diri, Jenis Kelamin, dan Pendapatan Terhadap Perilaku Pengelolaan Keuangan Pribadi Mahasiswa Pascasarjana Universitas Negeri Surabaya. Jurnal Ekonomi Pendidikan Dan Kewirausahaan, 3(1), 158-169.
Humaira, I. (2018). Pengaruh Pengetahuan Keuangan, Sikap Keuangan, dan Kepribadian Terhadap Perilaku . JURNAL NOMINAL, 6(1), 96-110.
Ida, & Dwinta, C. Y. (2010). Pengaruh Locus of Control, Financial Knowledge, Dan Income Terhadap Financial Management Behavior. Jurnal Bisnis dan Akuntansi, 12(3).
Jubaedah., Y. &. (2017). Pengaruh Pendapatan, Lokus Pengendalian Dan Pengetahuan Keuangan Terhadap Perilaku Keuangan Pelaku Umkm Kecamatan Cinere. Jurnal Ekonomi Dan Bisnis, Vol. 4 No. 2, 173-196.
Khoirini, N. M. (2021). Pengaruh Financial Literacy, Financial Attitude Dan Pendapatan Terhadap Perilaku Pengelolaan Keuangan Pada UMKM Fashion Di Kota Malang. E – Jurnal Riset Manajemen, 10(9), Februari 2021.
Kholilah , N., & Irmani, R. (2013). Studi Financial Management Behavior Pada Masyarakat Surabaya. . Journal of Business and Banking Volume, 3(1), 69-80.
Nabilla, D. R. (2016). Pengaruh Pengetahuan Keuangan, Pendapatan, dan Gaya Hidup Terhadap Perilaku Pengelolaan Keuangan Profesional Muda Di Surabaya.
Perry, V. &. (2005). Who is in control ? the role of self- percieption, knowledge, and income in explaining consumer finansial bahavior. The journal of consumer affairs, page. 299-313.
Rahman, A., Risman, A., (2021), Is Behavior Finance Affected by Income, Learning Finance and Lifestyle? , The EUrASEANs, No 4(29)
Rahmawati, P. (2016). Analisis Pengaruh Rasio Keuangan, Pertumbuhan Penjualan, Dividen, Dan Economic Value Added Terhadap Harga Saham Di Perusahaan Manufaktur (Studi Empiris Di Bursa Efek Indonesia Tahun 2011-2014). Universitas Muhammadiyah Surakarta.
Ratnaningtyas, H. (2021). Pengaruh Return On Equity, Current Ratio dan Debt To Equity Ratio Terhadap Harga Saham . Jurnal Proaksi, 8(1). 91-102.
Risman, A., Prowanta, E. & Siswanti, I. (2021). Behavioral Corporate Finance. Yogyakarta: Penerbit KBM Indonesia
Sari, I. W. (2020). engaruh Financial Literacy, Financial Attitude Dan Pendapatan Terhadap Perilaku Pengelolaan Keuangan Pada Pelaku Umkm Fashion Di Kota Batu. E – Jurnal Riset Manajemen, 9(5), 17–31.
Sihaan, Mega. D. R. (2013). Pengaruh Literasi Keuangan Terhadap Perilaku Pengelolaan Keuangan Pada Mahasiswa Perguruan Tinggi Surabaya. STIE Perbanas.
Sukirno, S. (2011). Makro Ekonomi Teori Pengantar (Edisi ketiga). Rajawali Pers.
Susanti, A., & Ardyan, E. (2018). Tingkat Pendidikan, Literasi Keuangan dan Perencanaan Keuangan Terhadap Perilaku Keuangan UMKM di Surakarta. Telaah Bisnis, 18(1).
Susyanti, J., & Askandar, N. (2017). Menuju Indonesia Mandiri. Malang: Badan Penerbit Fakultas Ekonomi.
Published
How to Cite
Issue
Section
License
The copyright to this article is transferred to Universitas Mercu Buana (UMB) if and when the article is accepted for publication. The undersigned hereby transfers any and all rights in and to the paper including without limitation all copyrights to UMB. The undersigned hereby represents and warrants that the paper is original and that he/she is the author of the paper, except for material that is clearly identified as to its original source, with permission notices from the copyright owners where required. The undersigned represents that he/she has the power and authority to make and execute this assignment.
We declare that:
1. This paper has not been published in the same form elsewhere.
2. It will not be submitted anywhere else for publication prior to acceptance/rejection by this Journal.
3. A copyright permission is obtained for materials published elsewhere and which require this permission for reproduction.
Furthermore, I/We hereby transfer the unlimited rights of publication of the above mentioned paper in whole to UMB. The copyright transfer covers the exclusive right to reproduce and distribute the article, including reprints, translations, photographic reproductions, microform, electronic form (offline, online) or any other reproductions of similar nature.
The corresponding author signs for and accepts responsibility for releasing this material on behalf of any and all co-authors. This agreement is to be signed by at least one of the authors who have obtained the assent of the co-author(s) where applicable. After submission of this agreement signed by the corresponding author, changes of authorship or in the order of the authors listed will not be accepted.
Retained Rights/Terms and Conditions
1. Authors retain all proprietary rights in any process, procedure, or article of manufacture described in the Work.
2. Authors may reproduce or authorize others to reproduce the Work or derivative works for the authors personal use or for company use, provided that the source and the UMB copyright notice are indicated, the copies are not used in any way that implies UMB endorsement of a product or service of any employer, and the copies themselves are not offered for sale.
3. Although authors are permitted to re-use all or portions of the Work in other works, this does not include granting third-party requests for reprinting, republishing, or other types of re-use.
This work is also licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
