PENGARUH PENDAPATAN, INVESTASI, DAN PRILAKU KEUANGAN TERHADAP TINGKAT LITERASI KEUANGAN UKM KOTA PALEMBANG
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Published
Jul 13, 2024
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Abstract
Financial literacy is something important that has a big impact on individuals, families and the economy as a whole. Additionally, a good understanding of finance helps individuals and households, as well as companies, including SMEs, make better financial decisions. factors that influence financial literacy, namely: education level, income level, financial behavior and investment, therefore further research is needed to determine the results achieved. The aim of this research is to study how income, investment and financial behavior influence the financial literacy of small and medium SMEs in Palembang City. Research Objects in Palembang City UKM. Quantitative descriptive method using primary data sources. Determining the sample uses the Slovin formula by distributing questionnaires using random sampling. The results of the analysis show that the financial literacy of SMEs in Palembang City is influenced simultaneously and partially. Based on these results, there are findings that the higher the level of financial literacy a person tends to be, the wiser they will be in managing their income, investments and financial behavior.
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PUTRA, Dimas Pratama.
PENGARUH PENDAPATAN, INVESTASI, DAN PRILAKU KEUANGAN TERHADAP TINGKAT LITERASI KEUANGAN UKM KOTA PALEMBANG.
Jurnal Ilmiah Akuntansi Rahmaniyah, [S.l.], v. 7, n. 2, p. 143-156, july 2024.
ISSN 2620-6110.
Available at: <https://jurnal.irs.ac.id/index.php/ak/article/view/341>. Date accessed: 10 feb. 2026.
doi: https://doi.org/10.51877/jiar.v7i2.341.
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Articles
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Amaliyah, Riski, and Rini Setyo Witiastuti. 2015. “Analisis Faktor Yang Mempengaruhi Tingkat Literasi Keuangan Di Kalangan UMKM Kota Tegal.” Management Analysis Journal 4(3).
Arianti, Baiq Fitri. 2017. “The Influence of Financial Knowledge, Control and Income on Individual Financial Behavior.” European Research Studies Journal 20(3): 635–48.
———. 2020. “Pengaruh Pendapatan Dan Perilaku Keuangan Terhadap Literasi Keuangan Melalui Keputusan Berinvestasi Sebagai Variabel Intervening.” Jurnal Akuntansi 10(1): 13–36.
Bhusnan, P, and Yajulu Medury. 2013. “Financial Literacy and Its Determinants.” International Journal of Engineering, Business and Enterprise Applications (IJEBEA) 4(2): 155–60.
Chen, Haiyang, and Ronald P Volpe. 1998. “An Analysis of Personal Financial Literacy among College Students.” Financial services review 7(2): 107–28.
Mahdzan, N S, and S Tabiani. 2013. “The Impact of Financial Literacy on Individual Saving: An Exploratory Study in Malaysia Context. Transformation in Business and Economics, 12 (1), 41-55.”
Mas’adah, Ulfah Kholishotul Muna, and Ernawati Budi Astuti. 2022. “Pengaruh Pendapatan, Tingkat Pendidikan, Dan Investasi Terhadap Tingkat Literasi Keuangan Pada Pelaku UMKM (Studi Kasus UMKM Di Kecamatan Juwana Kabupaten Pati).” AKSES: Jurnal Ekonomi dan Bisnis 17(2).
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Oseifuah, Emmanuel, Agyapong Gyekye, and Patricia Formadi. 2018. “Financial Literacy among Undergraduate Students: Empirical Evidence from Ghana.” Academy of Accounting and Financial Studies Journal 22(6): 1–17.
Pebriani, Reny Aziatul, and Rafika Sari. 2021. “Pelatihan Mengatur Keuangan Keluarga Melalui Perencanaan Keuangan Untuk Ibu-Ibu Di Desa Karang Bindu Prabumulih.” SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan 4(2): 127–31.
Prihatin, Joko, and Ahmad Maruf. 2019. “Analisis Tingkat Literasi Keuangan Pada Pelaku Usaha Mikro Kecil Dan Menengah Kerajinan Perak Di Kotagede Yogyakarta.” Journal of Economics Research and Social Sciences 3(1): 1–10.
Putri, Wilantika Waskito, and Masyhuri Hamidi. 2019. “Pengaruh Literasi Keuangan, Efikasi Keuangan, Dan Faktor Demografi Terhadap Pengambilan Keputusan Investasi (Studi Kasus Pada Mahasiswa Magister Manajemen Fakultas Ekonomi Universitas Andalas Padang).” Jurnal Ilmiah Mahasiswa Ekonomi Manajemen 4(1): 210–24.
Remund, David L. 2010. “Financial Literacy Explicated: The Case for a Clearer Definition in an Increasingly Complex Economy.” Journal of consumer affairs 44(2): 276–95.
Safitri, Nur Ayuningtias, and Sukirman. 2018. “Analisis Faktor-Faktor Yang Mempengaruhi Financial Behavior.” Economic Education Analysis Journal 2(3): 511–24. http://journal.unnes.ac.id/sju/index.php/eeaj.
Sugiyono, P Dr. 2019. “Metode Penelitian Kuantitatif Kualitatif Dan R&D (M. Dr. Ir. Sutopo. S. Pd.” ALFABETA, cv.
Suryani, Susie, and Surya Ramadhan. 2017. “Analisis Literasi Keuangan Pada Pelaku Usaha Mikro Di Kota Pekanbaru.” Journal of Economic, Bussines and Accounting (COSTING) 1(1): 12–22.
Thapa, Bharat Singh, and Surendra Raj Nepal. 2015. “Financial Literacy in Nepal: A Survey Analysis from College Students.” NRB Economic Review 27(1): 49–74.
Umar, Husein. 2005. Riset Pemasaran & Perilaku Konsm. Gramedia Pustaka Utama.
Wulandari, Dewi Ayu, and Rr Iramani. 2014. “Studi Experienced Regret, Risk Tolerance, Overconfidance Dan Risk Perception Pada Pengambilan Keputusan Investasi.” Journal of Business & Banking 4(1): 55–66.
Yuningsih, Yuyun Yuniati, Galih Raspati, and Andi Riyanto. 2022. “Pengaruh Literasi Keuangan Dan Financial Technology Terhadap Keberlangsungan Usaha Pelaku UMKM.” Mirai management 7(2): 531–40.