Abstract
This study aims to determine the effect of financial literacy on financial behavior, the effect of financial inclusion on financial behavior, and the effect of education level on financial behavior. The method in data processing used in this research is to use PLS (Partial Least Square) with the object of research being SMEs in the food stalls/shops in the Bahagia Village, Bekasi Regency. The sampling technique used was purposive probability with the form of non-probability sampling. The data collection technique used a questionnaire as many as 106 SMEs in the food stalls/shops in the Bahagia Village, Bekasi Regency. The results of this study indicate that there is a significant influence of financial literacy on the financial behavior of SMEs in food stalls/food stalls in Bahagia Village with t statistics 2.618 greater than t table 1.659, and a significant value of financial inclusion on financial behavior with t statistics 2.462 greater than t table 1.659, as well as the significant value of education level on the financial behavior of SMEs in food stalls/shops in Bahagia Village with a t statistics of 2.689 which is greater than a t table of 1.659.
Highlights
PENDAHULUAN Dengan seiring berkembangnya jaman, banyak sekali modal asing yang masuk ke negara kita dan membuat kapitalisme global menguat karena hadirnya perusahaan-perusahaan asing kedalam perekonomian Indonesia
This study aims to determine the effect of financial literacy on financial behavior, the effect of financial inclusion on financial behavior, and the effect of education level on financial behavior
The results of this study indicate that there is a significant influence of financial literacy on the financial behavior of SMEs in food stalls/food stalls in Bahagia Village with t statistics 2.618 greater than t table 1.659, and a significant value of financial inclusion on financial behavior with t statistics 2.462 greater than t table 1.659, as well as the significant value of education level on the financial behavior of SMEs in food stalls/shops in Bahagia Village with a t statistics of 2.689 which is greater than a t table of 1.659
Summary
Adanya akses merupakan indikator yang digunakan untuk mengukur kemampuan dari penggunaan jasa keuangan untuk melihat potensi hambatan dalam membuka dan menggunakan rekening bank, seperti bentuk sebenarnya dari jasa keuangan (kantor bank, ATM, dll.) 2. Penggunaan Salah satu faktor yang digunakan untuk mengukur suatu penggunaan layanan dan produk keuangan, contohnya seperti frekuensi, waktu/ periode penggunaan dan Keteraturan. 3. Kualitas Indikator yang berperan sebagai pengukur dalam hal tingkat pemenuhan kebutuhan dari suatu produk dan layanan keuangan 4. Kesejahteraan Indikator yang berperan untuk mengukur dampak dari suatu produk dan layanan jasa keuangan. Kemampuan untuk dapat menganalisis pekerjaan sesuai dengan latar belakang pendidikan. Perilaku keuangan merupakan aspek kemampuan keuangan yang digabungkan oleh aspek kemampuan psikologis individu untuk mengatur, mengelola, dan memanfaatkan sumber keuangan sebagai acuan untuk mengambil keputusan dalam perencanaan keuangan pribadi ataupun bisnis. Perilaku keuangan seorang individu dapat dilihat dari 4 indikator menurut (Laily, 2016) adalah sebagai berikut :
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