Pengaruh Financial Attitude, Financial Knowledge, Dan Financial Self-Efficacy Terhadap Financial Management Behavior

Studi Kasus Pada Pelaku Usaha Mikro Sektor Kuliner di Kecamatan Tidore Selatan Kota Tidore Kepulauan

Abstract

This study aims to analyze the influence of financial attitude, financial knowledge, and financial self-efficacy on  financial management behavior among micro business actors in the culinary sector in South Tidore District, Tidore Islands City. This study uses a quantitative method with a population of 77 culinary businesses in South Tidore District. The results of the study indicate that the variable financial attitude does not have a positive and significant effect on financial management behavior, as indicated by a coefficient value of -0.09, with a t-value of 0.884 > t-table 1.666 and a significance level of 0.377 > 0.05. Financial knowledge has a positive and significant effect on financial management behavior, as indicated by a coefficient value of 0.771 with a t-value of 11.326 > t-table 1.666 and a significance level of 0.000 < 0.05. Financial self-efficacy also has a positive and significant effect on financial management behavior, as shown by a coefficient value of 0.177 with a t-value of 2.866 > t-table 1.666 and a significance level of 0.005 < 0.05. Simultaneously, financial attitude, financial knowledge, and financial self-efficacy have a significant effect on financial management behavior, proven by an F-value of 165.944 > F-table 2.730 and a significance level of 0.000 < 0.05.