Pengaruh Pengetahuan Keuangan, Sikap Keuangan, dan Sosial Demografi terhadap Perilaku Keuangan pada Pelaku Usaha Mikro Kecil dan Menengah (Studi Kasus Pelaku UMKM di Kota Kuala Simpang Aceh Tamiang)

Abstract

In managing a business, good financial management skills are essential for business success. In the context of MSME development, the role of understanding financial management is very important as it directly affects business sustainability and growth. This study aims to analyze the influence of financial knowledge, financial attitude, and socio-demographic factors on the financial behavior of MSME actors in Kuala Simpang, Aceh Tamiang. The data used in this research is primary data. The population used in this study consists of MSME actors registered with the Department of Cooperatives, Industry, and Trade (Diskoperindag) of Kuala Simpang, totaling 1,247 individuals. The sample size for this study was determined using the Slovin formula, resulting in a total sample of 303 respondents. The research method used is a quantitative method with a survey approach. Data were collected through questionnaires distributed to 303 MSME actors. The sampling technique used in this research is convenience sampling. The analysis technique includes multiple linear regression analysis to determine the influence of independent variables (financial knowledge, financial attitude, and socio-demographics) on the dependent variable (financial behavior). Based on the results of the study, it is known that financial knowledge has a positive and significant influence on the financial behavior of MSME actors in Kuala Simpang. Financial attitude has a positive and significant influence on the financial behavior of MSME actors in Kuala Simpang Socio-demographic factors have a positive and significant influence on the financial behavior of MSME actors in Kuala Simpang.