ANALYSIS OF FINANCIAL KNOWLEDGE, FINANCIAL ATTITUDES AND PERSONALITY TOWARDS FINANCIAL MANAGEMENT BEHAVIOR IN MSMEs MEMBERS OF RUMAH BUMN BRI SEMARANG

Authors

  • Silvia Hendrayanti Management, STIE SEMARANG, Semarang, Indonesia
  • Frida Widyawati Triasningrum Management, STIE SEMARANG, Semarang, Indonesia
  • Yoga Nindhita Management, STIE SEMARANG, Semarang, Indonesia

DOI:

https://doi.org/10.24034/icobuss.v4i1.601

Abstract

Problems that are often of concern to MSME actors include problems related to their financial knowledge, skills in preparing budgets, and problems regarding their financial attitudes. Therefore, the researcher conducted further research with the aim of (1) Knowing the influence of Financial Knowledge on Financial Management Behavior in MSME Actors Members of the Rumah BUMN BRI Semarang (2) Knowing the influence of Financial Attitudes on Financial Management Behavior in MSME Actors Members of the the Rumah BUMN BRI Semarang, (3) Knowing the influence of Personality on Financial Management Behavior in MSME Actors Members of the Rumah BUMN BRI Semarang. This study uses the Random Sampling technique with a sample of 100 MSMEs taken randomly. Data analysis technique with Multiple Linear Regression and the results of the study showed that (1) there was a positive and significant influence of Financial Knowledge on Financial Management Behavior with a significance value of > from 0.05 which was 0.000, (2) there was a positive and significant influence of Financial Attitude on Financial Management with a significance value of > from 0.05 namely 0.031, (3) there is a positive and significant influence of Personality on Financial Management Behavior with a significance value of > from 0.05, which is 0.000. Based on the data from the research, MSME actors still need to increase their attention to financial knowledge, financial attitudes and personality which are priorities so that the financial management behavior of MSME actors can be better, so that the direction of the business run will be clearer.

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Published

2024-11-25

How to Cite

Hendrayanti, S. ., Triasningrum, F. W. ., & Nindhita, Y. . (2024). ANALYSIS OF FINANCIAL KNOWLEDGE, FINANCIAL ATTITUDES AND PERSONALITY TOWARDS FINANCIAL MANAGEMENT BEHAVIOR IN MSMEs MEMBERS OF RUMAH BUMN BRI SEMARANG . International Conference of Business and Social Sciences, 4(1), 1172–1183. https://doi.org/10.24034/icobuss.v4i1.601

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Section

International Conference of Business and Social Sciences