Elham Ardiansah, Defrizal Defrizal

Pengaruh Sikap Keuangan, Inklusi Keuangan dan Tingkat Literasi Keuangan Pemilik Usaha terhadap Pengelolaan Keuangan

Introduction

Pengaruh sikap keuangan, inklusi keuangan dan tingkat literasi keuangan pemilik usaha terhadap pengelolaan keuangan. Pengaruh inklusi & literasi keuangan terhadap pengelolaan keuangan UMKM di Bandar Lampung. Temukan inklusi & literasi berdampak positif. Sikap keuangan tak signifikan.

Abstract

This study aims to analyze the influence of financial attitudes, access, and understanding on the financial management of MSMEs in Bandar Lampung. The method used was a quantitative approach with a causal research design. Data were collected through questionnaires distributed using Google Forms and analyzed using multiple regression. The results showed that financial attitudes had no significant effect, while financial inclusion and financial literacy had a significant positive impact on MSME financial management. These findings highlight the importance of access to financial services and a good understanding of finance in improving MSME financial management practices. Abstrak Penelitian ini bertujuan untuk menganalisis pengaruh sikap, akses, dan pemahaman tentang keuangan terhadap pengelolaan keuangan UMKM di Bandar Lampung. Metode yang digunakan adalah pendekatan kuantitatif dengan desain penelitian kausal. Data dikumpulkan melalui kuesioner yang disebarkan menggunakan Google Formulir dan dianalisis dengan regresi berganda. Hasil penelitian menunjukkan bahwa sikap keuangan tidak berpengaruh signifikan, sementara inklusi keuangan dan literasi keuangan memiliki dampak positif yang signifikan terhadap pengelolaan keuangan UMKM. Temuan ini menyoroti pentingnya akses ke layanan keuangan dan pemahaman yang baik tentang keuangan dalam meningkatkan praktik manajemen keuangan UMKM.

Review

The study, "Pengaruh Sikap Keuangan, Inklusi Keuangan dan Tingkat Literasi Keuangan Pemilik Usaha terhadap Pengelolaan Keuangan," addresses a highly pertinent issue concerning the financial management practices of Micro, Small, and Medium Enterprises (MSMEs). The clear objective to analyze the influence of financial attitudes, inclusion, and literacy on MSME financial management in Bandar Lampung is well-defined. The chosen quantitative approach, utilizing a causal research design with data collected via Google Forms and analyzed through multiple regression, appears suitable for investigating the stated relationships. This research provides a valuable contribution by shedding light on critical factors impacting the financial health and operational efficiency of MSMEs within a specific regional context. The findings offer significant insights, particularly the nuanced differentiation between the factors examined. The study reveals that financial attitudes did not significantly affect MSME financial management, which is an interesting result warranting further exploration. In contrast, both financial inclusion and financial literacy were found to have a significant positive impact. This distinction is crucial, suggesting that direct access to financial services and a robust understanding of financial concepts are more potent and immediate drivers of improved financial management practices than inherent individual attitudes within the studied population. These results strongly advocate for targeted interventions focusing on enhancing both financial access and education among MSME owners. While the study provides valuable contributions, several areas could be considered for future refinement or extended research. The reliance on self-reported data collected via Google Forms, though practical, may introduce potential response biases that could limit the depth or generalizability of the findings. Future research might benefit from employing a mixed-methods approach to qualitatively explore the reasons behind the non-significant effect of financial attitudes, thereby enriching the understanding of this complex variable. Expanding the geographical scope beyond Bandar Lampung or incorporating longitudinal data could also provide a broader and more dynamic perspective on the sustained impact of financial inclusion and literacy initiatives. Despite these considerations, this paper offers a solid empirical foundation for understanding key determinants of MSME financial management and provides actionable insights for policymakers and financial institutions seeking to foster the resilience and growth of these vital economic actors.

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