Pengaruh Literasi Keuangan, Pengalaman Keuangan dan Gaya Hidup terhadap Perilaku Mengelola Keuangan Usaha Mikro Kecil (UMK)

Lismarisa ; Nora ; Wening ; Nur ; Sujoko ; Sujoko
Jurnal Riset Rumpun Ilmu Ekonomi 📅 2025 Vol 4, No 1 🔗 DOI: 10.55606/jurrie.v4i1.5722
Abstract
This study is motivated by the phenomenon that many micro and small business actors are trapped in easy online loans but pay high interest. In addition, in the business they own, product pricing is oriented towards general conditions so that labor costs are rarely taken into account. As a result, they often make mistakes in measuring business productivity which ultimately leads to business decline. The problems that are often faced are more in financial management due to low financial literacy, lack of experience in finance and lifestyle. This study aims to test and analyze the influence of financial literacy, financial experience and lifestyle on the financial management behavior of MSE’s actors. Data were obtained from questionnaires to 100 respondents which were processed using multiple linear regression analysis. The results of the study stated that financial literacy, financial experience have a positive and significant effect on financial management behavior while lifestyle does not have a significant effect on financial management behavior.
Keywords
financial literacy; financial experience; lifestyle; financial management behavior.
How to Cite

Lismarisa, et al. (2025). Pengaruh Literasi Keuangan, Pengalaman Keuangan dan Gaya Hidup terhadap Perilaku Mengelola Keuangan Usaha Mikro Kecil (UMK). Jurnal Riset Rumpun Ilmu Ekonomi, 4(1). https://doi.org/10.55606/jurrie.v4i1.5722

Lismarisa, Nora; Wening, Nur; Sujoko, Sujoko, "Pengaruh Literasi Keuangan, Pengalaman Keuangan dan Gaya Hidup terhadap Perilaku Mengelola Keuangan Usaha Mikro Kecil (UMK)," Jurnal Riset Rumpun Ilmu Ekonomi, vol. 4, no. 1, 2025.

Lismarisa, Nora; Wening, Nur; Sujoko, Sujoko. "Pengaruh Literasi Keuangan, Pengalaman Keuangan dan Gaya Hidup terhadap Perilaku Mengelola Keuangan Usaha Mikro Kecil (UMK)." Jurnal Riset Rumpun Ilmu Ekonomi, vol. 4, no. 1, 2025.

Lismarisa, Nora; Wening, Nur; Sujoko, Sujoko. "Pengaruh Literasi Keuangan, Pengalaman Keuangan dan Gaya Hidup terhadap Perilaku Mengelola Keuangan Usaha Mikro Kecil (UMK)." Jurnal Riset Rumpun Ilmu Ekonomi 4, no. 1 (2025).

Lismarisa, et al. (2025) 'Pengaruh Literasi Keuangan, Pengalaman Keuangan dan Gaya Hidup terhadap Perilaku Mengelola Keuangan Usaha Mikro Kecil (UMK)', Jurnal Riset Rumpun Ilmu Ekonomi, 4(1). doi: 10.55606/jurrie.v4i1.5722.

Lismarisa, Nora; Wening, Nur; Sujoko, Sujoko. Pengaruh Literasi Keuangan, Pengalaman Keuangan dan Gaya Hidup terhadap Perilaku Mengelola Keuangan Usaha Mikro Kecil (UMK). Jurnal Riset Rumpun Ilmu Ekonomi. 2025;4(1).

Artikel Terkait

Pengaruh Profitabilitas Audit Report Lag : Moderasi Komite Audit Pada Perusahaan Subsektor Makanan Dan Minuman

Kurnia Illa Allodya Dinara; J.B. Amiranto

Pengaruh Kualitas Produk, Brand Image, dan Promosi Terhadap Keputusan Pembelian Produk Nivea di Kota Batam

Amelia; Asron Saputra

Pengaruh Kualitas Pelayanan Posyandu Terhadap Kepuasan Ibu Balita di Posyandu Melati Mekar Desa Margajaya Kecamatan Ngamprah

Fitriyah, Anis; Fauziya, Fizi

Pengaruh Kemampuan Kerja dan Motivasi Kerja Terhadap Kinerja Karyawan di Hotel Naripan

Santy, Neng; Fauziya, Fizi

Analisis Implementasi Koreksi Fiskal Atas Laporan Keuangan Komersial PT ABC

Nabila; Tannar, Oryza

Analisis Audit Manajemen Pengadaan Barang dan Jasa pada Kasus Bakti Kominfo Berdasarkan Perspektif Kepatuhan Regulasi

Wanda Dea Khairani; Aprita Ravenna Ginting; Cindy Aulia Rusli; Riska Harianingsih; Choms Gary Ganda Tua Sibarani
Tren Sitasi Jurnal