Pengaruh Pengetahuan Keuangan dan Sikap Keuangan Terhadap Perilaku Manajemen Keuangan Pada Pelaku UMKM Sentra Kerajinan Kayu di Kabupaten Dompu
Authors
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Putri Aprilya
Universitas Mataram
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Lalu Hamdani Husband
Universitas Mataram
DOI:
https://doi.org/10.36312/jar.v5i3.6215Keywords:
Pengetahuan Keuangan, Sikap Keuangan, Perilaku Manajemen, UMKMAbstract
Penelitian ini bertujuan untuk menganalisis pengaruh pengetahuan keuangan dan sikap keuangan terhadap perilaku manajemen keuangan pada pelaku UMKM Sentra Kerajinan Kayu di Kabupaten Dompu. Penelitian menggunakan pendekatan kuantitatif dengan sampel sebanyak 30 pelaku UMKM yang ditentukan menggunakan teknik sampling jenuh. Data dikumpulkan melalui kuesioner dan dianalisis menggunakan Structural Equation Modeling-Partial Least Squares (SEM-PLS) dengan bantuan SmartPLS 4. Pengujian meliputi uji validitas konvergen, validitas diskriminan, reliabilitas, R-Square, F-Square, dan uji hipotesis. Hasil penelitian menunjukkan bahwa pengetahuan keuangan berpengaruh positif dan signifikan terhadap perilaku manajemen keuangan dengan nilai koefisien jalur sebesar 0,477 dan p-value 0,001, sedangkan sikap keuangan berpengaruh positif dan signifikan dengan nilai koefisien jalur sebesar 0,442 dan p-value 0,002. Nilai R-Square sebesar 0,751 menunjukkan bahwa perilaku manajemen keuangan dapat dijelaskan oleh pengetahuan keuangan dan sikap keuangan sebesar 75,1%, sedangkan sisanya sebesar 24,9% dipengaruhi oleh faktor lain di luar model penelitian.
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