Analisis Pengaruh Pengetahuan Keuangan Terhadap Literasi Keuangan dengan Sikap Keuangan dan Perilaku Keuangan sebagai Variabel Intervening pada Pelaku UMKM di Kota Batam

Merina, Merina (2020) Analisis Pengaruh Pengetahuan Keuangan Terhadap Literasi Keuangan dengan Sikap Keuangan dan Perilaku Keuangan sebagai Variabel Intervening pada Pelaku UMKM di Kota Batam. Undergraduate thesis, Universitas Internasional Batam.

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Abstract

Usaha Mikro Kecil dan Menengah (UMKM) sangat dipengaruhi oleh literasi keuangan dalam proses berkelanjutan bisnis. Alasan penelitian agar dapat mengetahui pengaruh pengetahuan keuangan terhadap literasi keuangan dengan mempertimbangkan sikap keuangan dan perilaku keuangan sebagai variabel intervening. Obyek penelitian pada para pelaku UMKM di Kota Batam, metode yang digunakan dalam penarikan sampel yaitu simple random sampling. Kuesioner terstruktur dirancang pada skala Likert 5 poin, dan didistribusikan pada 252 responden. Metode analisis data yang digunakan yaitu Covariance based SEM atau yang dikenal dengan analisa Partial Least Squares. Hasil penelitian menunjukkan bahwa pengetahuan keuangan mempunyai pengaruh secara positif signifikan terhadap sikap keuangan dan perilaku keuangan, sedangkan perilaku keuangan mempunyai dampak secara positif dan signifikan terhadap literasi keuangan. Lebih lanjut, penelitian ini terbukti bahwa pengetahuan keuangan memiliki dampak tidak langsung terhadap literasi keuangan melalui sikap keuangan dan perilaku keuangan sebagai variabel intervening. ********************************************************************** Small and Medium-sized Enterprises (SMEs) are significantly influenced by financial literacy in the continuity of business. The research is meant to find out the influence of financial knowledge on financial literacy by considering financial attitude and financial behavior as a intervening variable. Objects of research are SME entrepreneurs in the City of Batam. The method used to gather samples is simple random sampling. A structured questionnaire designed on Likert 5 Point Scale and distributed to 252 respondents. The data analysis method is Covariance based SEM, well known as partial least squares analysis. The result of the study revealed that financial knowledge has a significant positive impact on financial attitude and financial behavior. However, financial behavior has a positive and significant influence over financial literacy. Furthermore, it is proven in this research that financial knowledge has an indirect influence on financial literacy through financial attitude and financial behavior as mediating behavior.

Item Type: Thesis (Undergraduate)
Additional Information: Similarity: 24
Uncontrolled Keywords: Financial Knowledge, Financial Attitude, Financial Behavior, Financial Literacy, Batam City SME Entrepreneurs
Subjects: H Social Sciences > HG Finance
Divisions: School of Economic and Business > Accounting
SWORD Depositor: Admin Repository Universitas Internasional Batam
Depositing User: Admin Repository Universitas Internasional Batam
Date Deposited: 22 Apr 2020 09:20
Last Modified: 28 Apr 2020 02:33
URI: http://repository.uib.ac.id/id/eprint/2026

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