The Effect of Financial Literacy and Financial Attitudes on Financial Management with Financial Inclusion as an Intervening Variable

Authors

  • Tri Meidiana Ardanari Universitas Muhammadiyah Malang
  • Bambang Widagdo Universitas Muhammadiyah Malang
  • Dewi Nurjannah Universitas Muhammadiyah Malang

DOI:

https://doi.org/10.22219/jamanika.v4i01.32537

Keywords:

financial management, financial inclusion, financial literacy, Financial Attitude

Abstract

This study aims to determine the influence of financial literacy and financial attitudes towards financial management and financial inclusion which are used as intervening variables. The population in this study were SMEs in the Trade Sector in Malang City using a purposive sampling technique. The sample of this research is 109 respondents. The results showed that financial literacy has a significant effect on financial management, financial attitudes have a significant effect on financial management, financial literacy has a significant effect on financial inclusion, financial attitudes have a significant effect on financial inclusion, financial inclusion has no significant effect on financial management, and financial inclusion not mediating financial literacy and financial attitudes towards financial management.

Downloads

Download data is not yet available.

References

Abor, J., & Quartey, P. (2010). Issues in SME development in Ghana and South Africa. International Research Journal of Finance and Economics, 39(January), 218–228.

Alliance Financial Inclusion. (2010). Financial inclusion measurement for regulators: Survey design and implementation. Alliance for Financial Inclusion, 1–36.

Amanah, E., Iradianty, A., & Rahardian, D. (2016). The Influence of Financial Knowledge, Financial Attitude and External Locus of Control on Personal Financial Management Behavior Case Study of Bachelor Degree Student in Telkom University. E-Proceeding of Management, 3(2), 1228–1235.

Anisyah, E. N., Pinem, D., & Hidayati, S. (2021). Pengaruh Literasi Keuangan, Inklusi Keuangan dan Financial Technology Terhadap Perilaku Keuangan Pelaku UMKM di Kecamatan Sekupang. Management and Business Review, 5(2), 310–324. https://doi.org/10.21067/mbr.v5i2.6083

Arifa, J. S. N., & Setiyani, R. (2020). Pengaruh Pendidikan Keuangan di Keluarga, Pendapatan, dan Literasi Keuangan terhadap Financial Management Behavior Melalui Financial Self-Effiacy Sebagai Variabel Mediasi. Economic Education Analysis Journal, 2(1), 552–568. https://doi.org/10.15294/eeaj.v9i2.39431

Aulianingrum, R. D., & Rochmawati. (2021). Pengaruh Literasi Keuangan, Status Sosial Ekonomi Orang Tua, Dan Gaya Hidup Terhadap Pengelolaan Keuangan Pribadi Siswa. Jurnal Pendidikan Ekonomi: Jurnal Ilmiah Ilmu Pendidikan, Ilmu Ekonomi, Dan Ilmu Sosial, 15(2), 198–206. https://doi.org/10.19184/jpe.v15i2.24894

Busyro, W. (2019). Pengaruh Literasi Keuangan Terhadap Perilaku Pengelolaan Keuangan Mahasiswa (Studi Kasus Pada Mahasiswa Fakultas Ekonomi Dan Bisnis Universitas Muhammadiyah Riau). Jurnal ISLAMIKA, 2(1), 34–37.

Chen, H., & Volpe, R. P. (1998). An Analysis of Personal Financial Literacy Among College Students. Financial Services Review, 7(2), 107–128. https://doi.org/10.1108/JCM-01-2018-2514

Cuandra, F., & Anjela. (2021). The Influence of Financial Behavior, Attitude, Knowledge and Skills on Financial Inclusion of People of Batam City. Journal of Business & Applied Management, 14(1), 46–54.

Febriani, R., & Sa’diyah, C. (2021). Exploring Islamic Leadership on SME Performance: Mediated By Innovative Work Behavior and Financial Technology. Jurnal Aplikasi Manajemen, 19(3), 495–506. https://doi.org/10.21776/ub.jam.2021.019.03.04

Furnham, A. (1984). Many sides of the coin: The psychology of money usage. Personality and Individual Differences, 5(5), 501–509. https://doi.org/10.1016/0191-8869(84)90025-4

Islamia, A., Wiryaningtyas, D. P., & Subaida, I. (2020). Pengaruh Literasi Keuangan dan Sikap Keuangan Terhadap Pengelolaan Keuangan dan Inklusi Keuangan sebagai Variabel Intervening di Masa Pandemi Pada Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Abdurachman Saleh Situbondo. Jurnal Mahasiswa Entrepreneur (JME), 1(3), 1754–1767.

Kasmir. (2010). Pengantar Manajemen Keuangan. Kencana Prenada Media Group.

Kau, M. A. S., Yusuf, N., & Wuryandini, A. R. (2023). Pengaruh Literasi Keuangan Dan Financial Technology Terhadap Pengelolaan Keuangan Umkm (Studi Pada Usaha Mikro Foodcourt Limboto). Jurnal Mirai Management, 8(1), 651–659.

Kodu, S., Moonti, U., Santoso, I. R., Hafid, R., & Keuangan, P. (2023). Pengaruh Literasi Keuangan Terhadap Pengelolaan Keuangan UMKM Di Foodcourthalal Sabilurrasyad Universitas Negeri Gorontalo. AKSARA: Jurnal Ilmu Pendidikan Nonformal, 09(1), 437–448.

Kusuma, I. N. P. (2019). Pengaruh Literasi Keuangan Terhadap Inklusi Keuangan Melalui Financial Technology Pada UMKM di Bandar Lampung. Jurnal Manajemen Bisnis Dan Kewirausahaan, 4(5), 247–252.

Kusumaningrum, S. M., Wiyono, G., & Maulida, A. (2023). Pengaruh Literasi Keuangan , Inklusi Keuangan , dan Sikap Keuangan terhadap Pengelolaan Keuangan UMKM di Kapanewon Godean , Kabupaten Sleman The Influence of Financial Literacy , Financial

Inclusion , and Financial Attitude on Financial Management of MSME. 14(225), 227–238. https://doi.org/10.33059/jseb.v14i2.6867

Kuswadi. (2004). Cara Mudah Memahami Angka dan Manajemen Keuangan bagi Orang Awam. In Jakarta: Elex Media Komputindo. Elex Media Komputindo.

Leyshon, A., & Thrift, N. (1995). Geographies of Financial Exclusion: Financial Abandonment in Britain and the United States. Transactions of the Institute of British Geographers, 20(3), 312. https://doi.org/10.2307/622654

Marlinah, L. (2020). Peluang dan Tantangan UMKM Dalam Upaya Memperkuat Perekonomian Nasional Tahun 2020 Ditengah Pandemi Covid 19. Jurnal Ekonomi, 22(2), 118–124.

Marsh, B. A. (2006). Examining The Personal Finance Attitudes, Behaviors, and Knowledge Levels of First-Year and Senior Students at Baptist Universities in The State of Texas. Bowling Green State University.

Muzdalifah, F., & Billah, H. Z. (2017). Pengaruh Efikasi Pada Sikap Guru Terhadap. Jurnal Penelitian Dan Pengukuran Psikologi, 6(1), 26–34.

Nurhayati, H., & Nurodin, I. (2019). Pengaruh Keuangan Inklusi dan Literasi Keuangan terhadap Pengelolaan Keuangan Pribadi di Kabupaten Sukabumi. Prosidang SEMNASTERA (Seminar Nasional Teknologi Dan Riset Terapan), September, 167–175.

Putri, T. A., Hidayaty, D. E., & Rosmawati, E. (2023). Pengaruh Literasi Keuangan Terhadap Pengelolaan Keuangan pada Pelaku UMKM. Fair Value : Jurnal Ilmiah Akuntansi Dan Keuangan, 5(9), 3495–3502. http://journal.ikopin.ac.id/index.php/fairvalue/article/view/3021/2722

Rumbianingrum, W., & Wijayangka, C. (2018). Pengaruh Literasi Keuangan terhadap Pengelolaan Keuangan UMKM. Jurnal Manajemen Dan Bisnis, 2(3), 155–165.

Sardiana, A. (2018). Pengaruh Literasi Keuangan Pada Keuangan Inklusif Penggunaan Bank Sampah di Jakarta Selatan. Islamic Economics, Finance and Banking, 2(1), 80–94.

Sa’diyah, C. (2021). Relationship Between Profitability, Investment Decisions On Firm Value: A Study Of Listed Banks In Indonesia. JBMP (Jurnal Bisnis, Manajemen Dan Perbankan), 7(2), 69–88. https://doi.org/10.21070/jbmp.v7i2.1469

Sa’diyah, C., & Hilabi, I. I. (2022). The Effect Of Corporate Governance On Company Value In The Indonesia Stock Exchange And Sharia Stock In Indonesia. Jurnal Manajemen, 8(2), 404–415. https://doi.org/10.17358/jabm.8.2.404

Wardani, L. A., & Fitrayati, D. (2022). Pengaruh Literasi Keuangan dan Sikap Keuangan Terhadap Perilaku Pengelolaan Keuangan dengan Locus of Control sebagai Variabel Intervening. Management …, 4(12), 5827–5836.

Widagdo, B., & Sa’diyah, C. (2023). Business sustainability: Functions of financial behavior, technology, and knowledge. Problems and Perspectives in Management, 21(1), 120–130. https://doi.org/10.21511/ppm.21(1).2023.11

Downloads

Published

2024-03-29

Issue

Section

Articles

Most read articles by the same author(s)

1 2 > >>