The influence of financial technology, financial literacy and financial attitudes on the financial behavior of micro, small and medium enterprises (MSMEs)
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Abstract
The aim of the research is to investigate the Influence of Financial Technology, Financial Literacy and Financial Attitudes on the Financial Behavior of Micro, Small and Medium Enterprises (MSMEs) Data Analysis techniques were carried out through Multiple Linear Regression Analysis with Multiple Linear Regression Formula Y=a+bX1+bX2+bX3+e. The results showed that there was a partial influence of financial technology on the financial behavior of Micro, Small and Medium Enterprises (MSMEs) owners receiving People's Business Credit (KUR) from PT. Bank Rakyat Indonesia, Kupang Branch while Financial Literacy Does Not Partially Affect the Financial Behavior of Micro, Small and Medium Enterprises (MSMEs) Owners Receiving People's Business Loans (KUR) from PT. Bank Rakyat Indonesia, Kupang Branch and also the variable Financial Attitude have no effect on Financial Attitude. However, simultaneously there is the influence of financial technology, financial literacy and financial attitudes on the financial behavior of Micro, Small and Medium Enterprises (MSMEs) owners receiving People's Business Credit (KUR) from PT. Bank Rakyat Indonesia, Kupang Branch amounted to 6.6% while 93.3% was influenced by other factors not examined in this study. With the Regression Equation obtained Y=21.426+0.401X1-0.248X2-0.105X3+e
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How to Cite
Rohi Bire, A., Maria, M., Manteiro, M. C. B., & Hamu, A. L. A. (2023). The influence of financial technology, financial literacy and financial attitudes on the financial behavior of micro, small and medium enterprises (MSMEs). Enrichment : Journal of Management, 13(5), 3478-3486. https://doi.org/10.35335/enrichment.v13i5.1808
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Prihartono, M. R. D., & Asandimitra, N. (2018). Analysis factors influencing financial management behaviour. International Journal of Academic Research in Business and Social Sciences, 8(8), 308-326.
Putra, I. P. K. B., & Sukartha, P. D. Y. Y. (2023). Hubungan Kompleksitas Laporan Keuangan dengan Non-Compliant Audit Delay. Journal of Practical Management Studies, 1(1), 24-31.
Rodgers, J. L., & Nicewander, W. A. (1988). Thirteen ways to look at the correlation coefficient. American statistician, 59-66.
Sadalia, N. (2012). Analisis personal financial literacy dan financial behavior mahasiswa strata I fakultas ekonomi Universitas Sumatera Utara. Media Informasi Manajemen, 1, 1-15.
Sanga, M. H., & Hajanirina, A. (2023). Board Size and Leverage in Indonesian’s Pharmaceutical Companies. The Moderating Role of Profitability. Journal of Practical Management Studies, 1(2), 23-29.
Sumarsan, T. (2013). Sistem pengendalian manajemen. Jakarta: PT. Indeks.
Urbano, D., Audretsch, D., Aparicio, S., & Noguera, M. (2020). Does entrepreneurial activity matter for economic growth in developing countries? The role of the institutional environment. International Entrepreneurship and Management Journal, 16, 1065-1099.
Wiranti, A. (2022). Pengaruh Financial Technology, Financial Literacy, Financial Knowledge, Locus Of Control dan Income Terhadap Perilaku Keuangan. Jurnal Ilmu Manajemen, 10(2), 475-488.
Yusuf, M., & Ichsan, R. N. (2021). Analysis of banking performance in the aftermath of the merger of bank syariah indonesia in Covid 19. International Journal of Science, Technology & Management, 2(2), 472-478.
Aprillita, R. (2023). Analysis of Internal Control on Bai'Taqsith Financing in Sharia Cooperatives. Journal of Practical Management Studies, 1(2), 15-22.
Azizah, N. S. (2020). Pengaruh literasi keuangan, gaya hidup pada perilaku keuangan pada generasi milenial. Prisma (Platform Riset Mahasiswa Akuntansi), 1(2), 92-101.
Bire, A. R. (2023). Pengaruh Penerapan Sistem Informasi Keuangan Terhadap Kinerja Informasi Keuangan pada PT. Bank Nusa Tenggara Timur. Journal of Practical Management Studies, 1(2), 1-7.
Chen, H., & Volpe, R. P. (1998). An analysis of personal financial literacy among college students. Financial services review, 7(2), 107-128.
Denes, M., Howell, S. T., Mezzanotti, F., Wang, X., & Xu, T. (2023). Investor tax credits and entrepreneurship: Evidence from us states. The Journal of Finance, 78(5), 2621-2671.
Field, A. (2022). An adventure in statistics: The reality enigma. Sage.
Firli, A. (2017). Factors that influence financial literacy: A conceptual framework. IOP Conference Series: Materials Science and Engineering,
Hair, J. F. (2009). Multivariate data analysis.
Haqiqi, A. F. Z., & Pertiwi, T. K. (2022). Pengaruh Financial Technology, Literasi Keuangan dan Sikap Keuangan terhadap Perilaku Keuangan Generasi Z di Era Pandemi Covid-19 pada Mahasiswa UPN “Veteran” Jawa Timur. SEIKO: Journal of Management & Business, 5(2), 355-367.
Herawati, N. T. (2015). Kontribusi pembelajaran di perguruan tinggi dan literasi keuangan terhadap perilaku keuangan mahasiswa. Jurnal pendidikan dan Pengajaran, 48(1-3).
Herkenhoff, K., Phillips, G. M., & Cohen-Cole, E. (2021). The impact of consumer credit access on self-employment and entrepreneurship. Journal of financial economics, 141(1), 345-371.
Huang, S. Y., Li, M.-W., & Chang, T.-W. (2021). Transformational leadership, ethical leadership, and participative leadership in predicting counterproductive work behaviors: Evidence from financial technology firms. Frontiers in psychology, 12, 658727.
Humaidi, A., Khoirudin, M., Adinda, A. R., & Kautsar, A. (2020). The effect of financial technology, demography, and financial literacy on financial management behavior of productive age in Surabaya, Indonesia. International Journal of Advances in Scientific Research and Engineering, 6(01), 77-81.
Iriani, A. R., Rahayu, C. W. E., & Rahmawati, C. H. T. (2021). The influence of demographic factors and financial literacy on the financial behavior. Jurnal Kajian Manajemen Bisnis, 10(1), 33-45.
Kim, Y., Choi, J., Park, Y.-J., & Yeon, J. (2016). The adoption of mobile payment services for “Fintech”. International Journal of Applied Engineering Research, 11(2), 1058-1061.
Maria, M. (2023). The Effect of Materialism and Frugality on Over-Indebtedness. The Moderating Role Of Financial Literacy. Jurnal Ekonomi, 12(02), 1160-1167.
Nizar, M. A. (2017). Teknologi keuangan (Fintech): Konsep dan implementasinya di Indonesia.
Prastika, Y. (2019). Pengaruh Financial Technology (Fintech) Terhadap Profitabilitas Perbankan Syariah (Studi Komparasi Bank Syariah Mandiri, BNI Syariah, dan Bank Mega Syariah Periode 2016-2018) UIN Raden Intan Lampung].
Prihartono, M. R. D., & Asandimitra, N. (2018). Analysis factors influencing financial management behaviour. International Journal of Academic Research in Business and Social Sciences, 8(8), 308-326.
Putra, I. P. K. B., & Sukartha, P. D. Y. Y. (2023). Hubungan Kompleksitas Laporan Keuangan dengan Non-Compliant Audit Delay. Journal of Practical Management Studies, 1(1), 24-31.
Rodgers, J. L., & Nicewander, W. A. (1988). Thirteen ways to look at the correlation coefficient. American statistician, 59-66.
Sadalia, N. (2012). Analisis personal financial literacy dan financial behavior mahasiswa strata I fakultas ekonomi Universitas Sumatera Utara. Media Informasi Manajemen, 1, 1-15.
Sanga, M. H., & Hajanirina, A. (2023). Board Size and Leverage in Indonesian’s Pharmaceutical Companies. The Moderating Role of Profitability. Journal of Practical Management Studies, 1(2), 23-29.
Sumarsan, T. (2013). Sistem pengendalian manajemen. Jakarta: PT. Indeks.
Urbano, D., Audretsch, D., Aparicio, S., & Noguera, M. (2020). Does entrepreneurial activity matter for economic growth in developing countries? The role of the institutional environment. International Entrepreneurship and Management Journal, 16, 1065-1099.
Wiranti, A. (2022). Pengaruh Financial Technology, Financial Literacy, Financial Knowledge, Locus Of Control dan Income Terhadap Perilaku Keuangan. Jurnal Ilmu Manajemen, 10(2), 475-488.
Yusuf, M., & Ichsan, R. N. (2021). Analysis of banking performance in the aftermath of the merger of bank syariah indonesia in Covid 19. International Journal of Science, Technology & Management, 2(2), 472-478.