Membangun Perilaku Keuangan UMKM melalui Sikap Menabung, Literasi Keuangan dan Norma Subjektif
DOI:
https://doi.org/10.47747/snfmi.v3i1.3197Abstract
Financial literacy for MSMEs is essential to improve their understanding of financial products and services, financial planning, and awareness of illegal online investment and loan offers. This study will examine the application of the Theory of Planned Behavior in shaping financial behavior and explore how financial literacy affects MSME entrepreneurs. This study is a quantitative study using the Structural Equation Model (SEM) and processed and analyzed using LISREL. The sampling technique used was purposive sampling, with the criteria being MSME entrepreneurs in the Greater Jakarta area. The study's results demonstrate that financial literacy positively affects savings attitudes. Subjective norms have an insignificant effect on financial behavior, but have a positive effect on savings attitudes, while savings attitudes have a positive effect on financial behavior. The results also show that savings attitudes can mediate the influence of financial literacy and subjective norms on financial behavior. This study provides empirical evidence to test the Theory of Planned Behavior, which states that close relationships and knowledge can influence the formation of attitudes towards savings, thereby shaping financial behavior.
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