Analisis Pengaruh Financial Technology, Lingkungan Sosial, Financial Understanding, dan Tingkat Pendidikan Terhadap Perilaku Keuangan Pelaku Usaha Mikro dan Kecil di Deli Tua

Abstract

This study aims to determine the effect of Financial Technology, Social Environment, Financial Understanding and Education Level on the Financial Behaviour of Deli Tua Micro and Small Business actors. This research is associative research and the type of data used is a quantitative approach. The samples size in this study were 96 Micro and Small Business actors in Deli Tua with sampling techniques using purposive sampling with criteria: respondents who have a business located in Deli Tua, and respondents who use financial technology. The research data was obtained from distributing research questionnaires to Micro and Small Business actors in Deli Tua and analysed by multiple linear regression analysis using SPSS 25 for Windows. The results prove that Financial Technology, Social Environment, Financial Literacy and Education Level have a positive and significant effect on Financial Behaviour.