PENGARUH FINANCIAL KNOWLEDGE DAN FINANCIAL SELF EFFICACY TERHADAP FINANCIAL MANAGEMENT BEHAVIOR PADA PELAKU UMK DI DESA LAMAJANG

Mutiara Nur Ihsan, - and Dede Kurnia, - and Azizah Fauziyah, - (2025) PENGARUH FINANCIAL KNOWLEDGE DAN FINANCIAL SELF EFFICACY TERHADAP FINANCIAL MANAGEMENT BEHAVIOR PADA PELAKU UMK DI DESA LAMAJANG. S1 thesis, Universitas Pendidikan Indonesia.

Abstract

Penelitian ini dilatarbelakangi oleh UMK di wilayah Desa Lamajang yang masih menghadapi tantangan dalam melakukan pengelolaan keuangan. Pelaku UMK masih memiliki orientasi keuangan yang hanya sebatas mendapatkan keuntungan, selanjutnya digunakan untuk kegiatan konsumtif dalam memenuhi kebutuhan jangka pendek. Padahal kemampuan dalam pengelolaan keuangan menjadi faktor penting terhadap kemajuan dan keberhasilan UMK. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian deskriptif dan verifikatif. Populasi penelitian adalah pelaku UMK di Desa Lamajang, dengan jumlah sampel 118 responden yang diperoleh melalui teknik simple random sampling. Data dikumpulkan dengan menggunakan kuesioner skala Likert, kemudian dianalisis menggunakan analisis deskriptif, uji asumsi klasik, regresi linier berganda, uji t, dan koefesien determinasi. Hasil penelitian menunjukkan bahwa financialknowledge dan financial self-efficacy berpengaruh positif dan signifikan terhadap financial management behavior. Nilai koefisien determinasi (R²) menunjukkan kontribusi yang cukup besar yaitu 46,3%. Sisanya, sebesar 53,7% dijelaskan oleh faktor-faktor lain di luar penelitian ini seperti sikap keuangan, pendapatan, kontrol diri dan lainnya. Temuan ini menegaskan bahwa semakin tinggi pemahaman keuangan dan keyakinan diri pelaku UMK, semakin efektif perilaku pengelolaan keuangan yang dilakukan, mencakup manajemen risiko, kredit, perencanaan, serta pencatatan keuangan. Oleh karena itu, program pengembangan UMK perlu berfokus pada peningkatan literasi keuangan sekaligus penguatan aspek psikologis untuk menumbuhkan kepercayaan diri dalam pengambilan keputusan keuangan. This study was motivated by the fact that MSMEs in the Lamajang Village area still face challenges in financial management. MSME actors still have a financial orientation that is limited to making profits, which are then used for consumptive activities to meet short-term needs. However, financial management skills are an important factor in the progress and success of MSMEs. This study uses a quantitative approach with descriptive and verificative research types. The research population consists of MSME actors in Lamajang Village, with a sample size of 118 respondents obtained through simple random sampling. Data were collected using a Likert scale questionnaire and analyzed using descriptive analysis, classical assumption tests, multiple linear regression, t-tests, and determination coefficients. The results show that financial knowledge and financial self-efficacy have a positive and significant effect on financial management behavior. The coefficient of determination (R²) value shows a significant contribution of 46.3%. The remaining 53.7% is explained by other factors outside this study, such as financial attitude, income, self-control, and others. These findings confirm that the higher the financial understanding and self-efficacy of MSME actors, the more effective their financial management behavior, including risk management, credit, planning, and financial recording. Therefore, MSME development programs need to focus on improving financial literacy while strengthening psychological aspects to foster confidence in financial decision-making.

	Text S_KWU_2102247_Title.pdf Download (608kB)
	Text S_KWU_2102247_Chapter1.pdf Download (346kB)
	Text S_KWU_2102247_Chapter2.pdf Restricted to Staf Perpustakaan Download (512kB)
	Text S_KWU_2102247_Chapter3.pdf Download (412kB)
	Text S_KWU_2102247_Chapter4.pdf Restricted to Staf Perpustakaan Download (350kB)
	Text S_KWU_2102247_Chapter5.pdf Download (139kB)
	Text S_KWU_2102247_Appendix.pdf Restricted to Staf Perpustakaan Download (1MB)

Item Type:	Thesis (S1)
Additional Information:	https://scholar.google.com/citations?view_op=list_works&hl=en&user=L4vhEB8AAAAJ ID SINTA Dosen Pembimbing: Dede Kurnia: 6717349 Azizah Fauziyah: 6084425
Uncontrolled Keywords:	Efikasi Diri, Pengetahuan Keuangan, Perilaku Keuangan Financial Knowledge, Financial Management Behavior, Financial Self-Efficacy
Subjects:	L Education > L Education (General)
Divisions:	UPI Kampus Tasikmalaya > S1 Kewirusahaan
Depositing User:	Mutiara Nur Ihsan
Date Deposited:	03 Oct 2025 08:07
Last Modified:	06 Oct 2025 02:54
URI:	http://repository.upi.edu/id/eprint/141386

Actions (login required)

View Item