UTAMI, Hermin Ayu (2024) The Influence of Financial Literacy, Financial Technology, Level Education on Financial Management Behavior on Micro Enterprises in Banyumas Regency. Skripsi thesis, Universitas Jenderal Soedirman.

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Abstract

This research is a quantitative study conducted on micro businesses in Banyumas Regency. This study is entitled "The Influence of Financial Literacy, Financial Technology, and Education Level on Financial Management Behavior in Micro Enterprises in Banyumas Regency". The purpose of this study is to examine the influence of financial literacy, financial technology, and education level on financial management behavior. This study uses the theory of Planned Behavior as the theoretical foundation. The data used in this study is primary data, namely in the form of a questionnaire distributed to micro businesses in Banyumas Regency. The number of samples analyzed in this study is as many as 100 samples. The sample was selected using the Convenience Sampling method with certain criteria that had been set beforehand. The analysis technique used is multiple linear regression analysis. The results of the study show that financial literacy has a positive effect on the financial management behavior of micro businesses in Banyumas Regency. Financial technology has a positive effect on the financial management behavior of micro businesses in Banyumas Regency. The implication of this study is that micro business actors in Banyumas Regency can expand their insight and knowledge related to how to manage good finances from various different sources such as through social media platforms, websites, articles, news online and participating in training and seminars to find solutions to management problems finances that are being experienced. The limitation of this study is that it only examines independent variables for independent variables. In the next research, it is hoped that a relationship test or correlation test can be added.

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