PENGARUH LITERASI KEUANGAN, FINANCIAL TECHNOLOGY, DAN LINGKUNGAN SOSIAL TERHADAP PERILAKU KEUANGAN UMKM DI KABUPATEN BATANG

Kholisah Kholisah; Meliza Meliza

Authors

Kholisah Kholisah Universitas Pekalongan
Meliza Meliza Universitas Pekalongan

Keywords:

Financial Behavior, Financial Literacy, Financial Technology, MSMEs, Social Environment

Abstract

Financial behavior is key in realizing healthy financial conditions. This study aims to test and analyze the effect of financial literacy, financial technology, and social environment on the financial behavior of MSMEs in Batang Regency. This type of research is causal quantitative research. The population in this study were MSME players in the Batang Regency area. The sample technique used was non-probability sampling with purposive sampling method. The sample obtained in this study was 100 respondents who were MSME actors in Batang Regency. This study uses multiple linear regression analysis techniques and conducts simultaneous (F test) and partial (t test) hypothesis testing. The results of this study state that the financial literacy variable has a positive and significant effect on the financial behavior of MSMEs in Batang Regency. However, the variables of financial technology and social environment have a positive and insignificant effect on the financial behavior of MSMEs in Batang Regency.

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