PENGARUH LITERASI KEUANGAN, INKLUSI KEUANGAN DAN LOCUS OF CONTROL TERHADAP PENGELOLAAN KEUANGAN UMKM DI KECAMATAN BOJONGMANGU
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Abstract
UMKM memiliki peran yang penting bagi perekonomian Indonesia, salah satu kendala UMKM saat ini yaitu belum melakukan pengelolaan keuangan secara maksimal. Penelitian ini bertujuan untuk menguji pengaruh literasi keuangan, inklusi keuangan dan locus of control baik secara simultan maupun parsial terhadap pengelolaan keuangan pada pelaku UMKM di Kecamatan Bojongmangu, Kabupaten Bekasi Jawa Barat. Metode penelitian yang digunakan adalah kuantitatif dengan jumlah sampel 143 pelaku UMKM di Kecamatan Bojongmangu. Teknik pengumpulan data yang digunakan adalah kuesioner. Metode pengambilan sampel menggunakan probability sampling dengan teknik simple random sampling. Metode analisis yang digunakan yaitu uji validitas, uji reliabilitas, R-square, Stone-Geisser, Q-square test dan uji t. Dengan menggunakan alat analisis Partial Least Square (PLS). Hasil penelitian menunjukkan bahwa literasi keuangan berpengaruh positif signifikan terhadap pengelolaan keuangan, inklusi keuangan berpengaruh positif signifikan terhadap pengelolaan keuangan, locus of control tidak berpengaruh signifikan terhadap pengelolaan keuangan dan literasi keuangan, inklusi keuangan dan locus of control secara simultan berpengaruh positif signifikan terhadap pengelolaan keuangan UMKM di Kecamatan Bojongmangu.
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