Pengaruh Financial Knowledge Dan Managerial Perspectives Terhadap Financial Management Behavior Dengan Perspective Of Social Interest Sebagai Variabel Intervening Pada Usaha Mikro Kecil Dan Menengah (UMKM) Sub Sektor Kuliner Di Pasar Pajus Kuliner

Abstract

This study aims to examine the influence of financial knowledge and managerial perspectives on financial management behavior, with the perspective of social interest as an intervening variable in Micro, Small, and Medium Enterprises (MSMEs) in the culinary subsector at Pajus Culinary Market. This research is associative in nature and employs a quantitative approach. The population consists of all MSMEs in the culinary subsector at Pajus Culinary Market, totaling 36 stands. Using a total sampling technique, the sample comprises 34 stands. The type of data used is primary data collected through questionnaires. The analytical method applied is path analysis. The results indicate that financial knowledge and managerial perspectives have a positive and significant influence on the perspective of social interest. Furthermore, financial knowledge, managerial perspectives, and the perspective of social interest also positively and significantly affect financial management behavior. The findings also demonstrate that the perspective of social interest significantly mediates the influence of financial knowledge and managerial perspectives on financial management behavior among MSMEs in the culinary subsector at Pajus Culinary Market.