PENGARUH PENGGUNAAN FINANCIAL TECHNOLOGY LITERASI KEUANGAN DAN SIKAP KEUANGAN TERHADAP PENGELOLAAN KEUANGAN UMKM

NI NYOMAN JULI NURYANI, NI PUTU SONIA MELLYA UTAMI, MERTYANI SARI DEWI

Abstract


Small, medium, and micro businesses are among the most pursued businesses by some people because they have the potential to meet their living needs. Additionally, micro, small, and medium-sized businesses play a significant part increating jobs, helping to increase people's income through various economic activities ranging from trade to the creative industry. Behind the high interest in doing this business, there are still business actors who experience obstacles in managing their businesses where this is closely related to business financial management. The purpose of this study was to determine whether monetary technology, financial literacy and financial attitudes affect the financial management of Micro, Small and Medium Enterprises in Buleleng District. All of the participants in this study were micro, small, and medium-sized businesses in Buleleng District using 99 samples taken use the Slovin. The method a questionnaire was utilized to gather data for this investigation. Which was evaluated on a Likert scale from 1 to 5. This study use a SEM PLS data analysis technique version 4.0

Keywords


Financial technology; Financial literacy; Financial attitudes; Financial management.

Full Text:

PDF

References


Azzahraa, T., & Kartin. (2022). Pengaruh Financial Knowledge dan Financial Attitude Terhadap Financial Management Behaviour. Bandung Conference Series: Business and Management, 2(1), 78–91. https://doi.org/10.29313/bcsbm.v2i1.422

Falih, M. S. H. Al, Muhammad, R. R., & Nova, A. A. (2019). Pengelolaan Keuangan Dan Pengembangan Usaha Pada Usaha Mikro Kecil Menengah (Studi Kasus Pada Umkm Madu Hutan Lestari Sumbawa). Jurnal Manajemen Dan Bisnis, 2(1). https://doi.org/10.37673/jmb.v2i1.302

Faradisa, N., Kurniawan, M. Z., & Safrizal, H. B. A. (2024). Manajemen Keuangan Umkm: Love of Money, Financial Attitude Dan Financial Self-Efficacy. AKUNTABILITAS: Jurnal Ilmiah Ilmu-Ilmu Ekonomi, 16(2), 1–14. https://doi.org/10.35457/akuntabilitas.v16i2.4023

Ghozali Imam. (2021). Partial Least Squares Konsep, Teknik dan Aplikasi Menggunakan Program SmartPLS 3.2.9 Untuk Penelitian Empiris (3rd Ed.). Badan Penerbit Universitas Diponegoro.

Handayani, K. A., & Suwena, K. R. (2024). Pengaruh Inklusi Keuangan, Pengelolaan Keuangan dan Penggunaan E-Payment terhadap Kinerja Keuangan UMKM Sektor Industri Pertanian di Kabupaten Buleleng. Ekuitas: Jurnal Pendidikan Ekonomi, 12(1), 187–191. https://doi.org/10.23887/ekuitas.v12i1.83376

Handayani, P., & Khairunnisa, K. (2024). Pengaruh Financial Technology Dan Literasi Keuangan Dalam Meningkatkan Pengelolaan Keuangan Umkm Di Kota Palembang. Jurnal Informasi Akuntansi (JIA), 3(1), 29–37. https://doi.org/10.32524/jia.v3i1.1143

Mansyur, K. K. (2025). The Impact of Fintech on Financial Inclusion and Regional Economic Growth. … of Economic Growth and Development …, 2(March). https://jegar.professorline.com/index.php/journal/article/view/15

Melinia, E., Suripto, S., & Harori, M. I. (2024). Pengaruh literasi keuangan yang dimediasi oleh perilaku keuangan, dan kontribusi pembiayaan usaha terhadap kinerja UMKM sektor kuliner di Kota Bandar Lampung. Jurnal Ilmiah Ilmu Administrasi, 14(2), 100–111.

Radi, F. A., Mointi, R., & Taliding, A. (2024). Pengaruh Literasi Keuangan terhadap Pengelolaan Keuangan Usaha. Journal of Applied Management and Business Research (JAMBiR) 4(1), 21–28.

Rosyidah, U., & Santoso, R. A. (2024). Pengetahuan dan Sikap Keuangan: Perspektif Manajemen Keuangan dan Financial Self-Eficacy di Lingkungan Desa. Jurnal Riset Akuntansi & Perpajakan (JRAP), 11(1), 115–142. https://doi.org/10.35838/jrap.2024.011.01.09

Salsabila, F. F., & Yuhertiana, I. (2025). Tren Dan Pola Penelitian Dalam Financial Technology Untuk Meningkatkan Penjualan Umkm : Perspektif Bibliometrik. Jurnal Pendidikan Ekonomi (JURKAMI), 10(1). https://doi.org/10.31932/jpe.v10i1.4401

Sanga, B., & Aziakpono, M. (2024). FinTech developments and their heterogeneous effect on digital finance for SMEs and entrepreneurship: evidence from 47 African countries. Journal of Entrepreneurship in Emerging Economies, 17(7), 127–155. https://doi.org/10.1108/JEEE-09-2023-0379

Vioni, N., Astriani, D., & Nasihin, I. (2024). Pengaruh Literasi Keuangan, Sikap Keuangan dan Pemanfaatan Teknologi Informasi Terhadap Pengelolaan Keuangan UMKM di Kecamatan Cilamayan Wetan. … : Journal of Management & …, 7(1), 1486–1502. https://www.journal.stieamkop.ac.id/index.php/seiko/article/view/6845

Widyakto, A., Liyana, Z. W., & Rinawati, T. (2022). The influence of financial literacy, financial attitudes, and lifestyle on financial behavior. Diponegoro International Journal of Business, 5(1), 33–46. https://doi.org/10.14710/dijb.5.1.2022.33-46

Yessica Amelia, Kusnanto, E., & Permana, N. (2023). Pengaruh Pengetahuan Keuangan, Sikap dan Kepribadian terhadap Perilaku Manajemen Keuangan Pelaku UMKM. Jurnal Ekobistek, 12(2), 533–538. https://doi.org/10.35134/ekobistek.v12i2.533




DOI: https://doi.org/10.31932/jpe.v10i3.5032

Article Metrics

Abstract view : 36 times
PDF - 22 times

Refbacks

  • There are currently no refbacks.


Lisensi Creative Commons
This work is licensed under Lisensi Internasional Creative Commons Attribution-ShareAlike 4.0 .