ANALISIS PENGARUH FINANCIAL TECHNOLOGY, LITERASI KEUANGAN, DAN INKLUSI KEUANGAN TERHADAP PERILAKU KEUANGAN PADA UMKM KOTA PEKALONGAN

Authors

  • Putri Wahyuningsih Putri Wahyuningsih Mahasiswa
  • Meliza Meliza Universitas Pekalongan
  • Anggrainy Putri Ayuningrum Universitas Pekalongan

Keywords:

Financial Technology, Financial Literacy, Financial Inclusion, Financial Behavior

Abstract

Financial behavior is an important asset in creating a stable financial condition. This study aims to test and analyze the influence of financial technology, financial literacy, and financial inclusion on financial behavior in MSMEs in Pekalongan City. This type of research is quantitative research. The population in this study were MSME actors in Pekalongan City. The sampling technique used was non-probability sampling with a purposive sampling method. The sample obtained in this study was 100 respondents who were MSME actors in Pekalongan City. This study used multiple linear regression analysis techniques and conducted partial hypothesis testing (t-test).

The results of this study state that financial technology has a positive and significant effect on financial behavior in MSME actors in Pekalongan City. Financial Literacy has a positive and insignificant effect on financial behavior in MSME actors in Pekalongan City. Financial inclusion has a positive and insignificant effect on financial behavior in MSME actors in Pekalongan City.

Additional Files

Published

2025-05-30

How to Cite

Putri Wahyuningsih, P. W., Meliza, M., & Ayuningrum, A. P. (2025). ANALISIS PENGARUH FINANCIAL TECHNOLOGY, LITERASI KEUANGAN, DAN INKLUSI KEUANGAN TERHADAP PERILAKU KEUANGAN PADA UMKM KOTA PEKALONGAN . Journal of Accounting and Management’s Student, 2(1). Retrieved from https://journals.unikal.ac.id/index.php/jams/article/view/310

Issue

Vol. 2 No. 1 (2025): JOURNAL OF ACCOUNTING AND MANAGEMENTS STUDENT

Section

Article

License

Copyright (c) 2025 This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

Creative Commons License

This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

Copyright @2023. This is an open-access article distributed under the terms of the Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License (http://creativecommons.org/licenses/by-nc-sa/4.0/) which permits unrestricted non-commercial used, distribution and reproduction in any medium 


Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.