Financial Satisfaction of SMEs in The Coastal Region of Madura: Financial Management Behavior and Financial Knowledge
DOI:
https://doi.org/10.30651/blc.v21i1.20635Kata Kunci:
Financial Knowledge; Financial Management Behavior; Financial SatisfactionAbstrak
In the current 4.0 era, good economic growth is one of the standards for the government's success in achieving development goals, including the economic aspect. One of the government's efforts is to create and comprehensively support MSME activities. MSMEs on the island of Madura are growing yearly in terms of quantity, quality and sales of MSME products that have entered foreign markets. This research aims to analyze the influence of financial management behaviour and financial knowledge on the financial satisfaction of MSME actors in the Madura coastal area. Data were analyzed using quantitative methods with descriptive and associative approaches. Data was received from the results of interviews and filling out questionnaires by MSME actors in the Madura coastal area in Pamekasan Regency and Sumenep Regency, totalling 60 respondents. The data was processed with the help of smartPLS 3 software. The findings from this research are that financial management behaviour and financial knowledge positively influence financial satisfaction.
Referensi
Adiputra, I. Gede. 2021. “The Influence of Financial Literacy, Financial Attitude and Locus of Control on Financial Satisfaction: Evidence From the Community in Jakarta.” KnE Social Sciences 2021:636–54. doi: 10.18502/kss.v5i5.8848.
Ajzen, Icek. 1991. “The Theory of Planned Behavior.” Organizational Behavior and Human Decision Processes 50:179–211. doi: 10.47985/dcidj.475.
Alexander, Robin, dan Ary Satria Pamungkas. 2019. “Pengaruh Pengetahuan Keuangan, Lokus Pengendalian Dan Pendapatan Terhadap Perilaku Keuangan.” Jurnal Manajerial Dan Kewirausahaan. doi: 10.24912/jmk.v1i1.2798.
Amalia, Safa Tasya, dan Nadia Asandimitra. 2022. “Pengaruh Pendapatan, Hutang, Financial Strain, Financial Attitude, dan Financial Literacy Terhadap Financial Satisfaction: Financial Management Behavior Sebagai Mediai.” 10:312–28.
Didin Fatihudin, S. E., Wikanta, W., Hammadi Fauzi, S. P., & Firmansyah, M. A. (2023). Literasi Keuangan Petani Garam: untuk akses modal, produktivitas dan informasi pasar. UMSurabaya Publishing.
Fatihudin, D., Wikanta, W., Mauliddah, N., & Iis, H. (2022). The Linkage of Salt Farmer’s Financial Literacy with Salt’s Productivity, Capital, Price and Market Access. Matrik: Jurnal Manajemen, Strategi Bisnis dan Kewirausahaan, 16(1), 141-150.
Gitayuda, M. B. S., dan M. Z. Kurniawan. 2022. “Financial Management Behavior: Analisis pada Pelaku UMKM di Pesisir Madura.” Prosiding Seminar Nasional Manajemen 7(1).
Gitayuda, M. Boy Singgih, Moh Zaki Kurniawan, Intan Putri Faradiana, Luthfia Dwi Rohma, Muhammad Ridwanul Aziz, Ahmad Thariq Hidayatullah, dan Abdul Latif Pratama. 2023. “Pelatihan Financial Management Behavior Guna Meningkatkan Perekonomian Masyarakat di Kabupaten Sampang.” JCES (Journal of Character Education Society) 6(2):463–71.
Ismayanti, Niken Wahyu, dan Risna Wijayanti. 2022. “Pengaruh Pendapatan, Pengetahuan Keuangan, dan Perilaku Keuangan Terhadap Kepuasan Keuangan pada Pegawai PT. Bank Pembangunan Daerah Jawa Timur Cabang Kediri.” Jurnal Ilmiah Mahasiswa FEB 10(1).
Lim, Richie Cruise, dan Ary Satria Pamungkas. 2023. “Pengaruh Financial Behavior, Financial Knowledge, dan Financial Strain terhadap Financial Satisfaction.” Jurnal Manajerial Dan Kewirausahaan 5(1):38–46. doi: 10.24912/jmk.v5i1.22511.
Novitasari, Anindita Trinura. 2022. “Kontribusi UMKM Terhadap Pertumbuhan Ekonomi Era Digitalisasi Melalui Peran Pemerintah.” Journal of Applied Business and Economic 9(2):184–204.
Prabowo, Sigit M., dan Nadia Asandimitra. 2021. “Faktor Yang Memengaruhi Financial Satisfaction Pengguna E-Commerce Di Surabaya.” 9(2018):28–41.
Rusdini, Dinda Arfiana. 2021. “Faktor yang Memengaruhi Financial Satisfaction pada Masyarakat Kabupaten Pamekasan.” Jurnal Ilmu Manajemen 9(1):182–90. doi: 10.26740/jim.v9n1.p182-190.
Sherlyani, Meitasari, dan Ary Satria Pamungkas. 2020. “Pengaruh Financial Behavior, Risk Tolerance, Dan Financial Strain Terhadap Financial Satisfaction.” Jurnal Manajerial Dan Kewirausahaan 2(1):272–81. doi: 10.24912/jmk.v2i1.7468.
Sugiyono. (2019). Metode Penelitian Kuantitatif, Kualitatitf, dan R&D. Bandung: Alfabeta.
Wijaya, Olivia Sandra, dan Ary Satria Pamungkas. 2020. “Pengaruh Financial Attitude, Financial Behavior, Financial Knowledge, dan Risk Tolerance terhadap Financial Satisfaction.” Jurnal Manajerial Dan Kewirausahaan 2(3):631–42. doi: 10.24912/jmk.v2i3.9575.
Yulianingrum, Astuti, Muhammad Richo Rianto, dan Milda Handayani. 2021. “Pengetahuan Pengetahuan, Pendapatan dan Perilaku Keuangan Terhadap Kepuasan Keuangan pada Tenaga Harian Lepas Satpol PP di Kabupaten (X).” Jurnal Ilmiah Akuntansi Dan Manajemen 17(1):71–77.
Unduhan
Diterbitkan
Terbitan
Bagian
Lisensi
Hak Cipta
- Hak cipta terhadap artikel yang diterbitkan di BALANCE: Economic, Business, Management, and Accounting Journal adalah penerbit atau BALANCE: Economic, Business, Management, and Accounting Journal.
- Penulis harus menyerahkan hak cipta pada jurnal dengan menandatangai dan mengirimkan form penyerahan hak cipta (template) melalui email balance@um-surabaya.ac.id.
- Penulis dapat menyebarluaskan artikelnya melalui media manapun.
Lisensi
Setiap karya yang ditulis penulis dilisensi dengan Creative Commons Attribution-NonCommercial 4.0 International License.