Financial Knowledge and Financial Attitude Towards The Personal Financial Management Behavior Of MSME Entreprenuer

Abstract

Personal Financial Behavior is a person’s ability to manage, namely planning, budgeting, checking, managing, controlling, searching, and storing daily financial funds. The purpose of this study is to find out how much influence Financial Knowledge and Financial Attitude have on Personal Financial Management Behavior. This type of research is Descriptive Quantitative. The data collection technique uses questionnaires that are distributed directly to 63 MSME Entrepreneurs Through google forms. The sample in this study is an MSME entrepreneur in Makassar City. The data analysis method in this study uses Validity Test, Reliability Test, Partial Test, Simultaneous test, and Determination Coefficient Test by using SPSS V.23. Based on the result of data analysis, the research findings are (1) Financial Knowledge has a positive effect on Personal Financial Management Behavior, (2) Financial Attitude has a positive effect on Personal Financial Management Behavior, (3) Financial Knowledge and Financial Attitude have simultaneously influence on Personal Financial Management Behavior, so the researchers concluded that Financial Knowledge and Financial Attitude have a partial and simultaneous effect on Personal Financial Management Behavior. The implication, because this study only focused on MSME entrepreneurs and only one city, the findings may not be generalizable. In addition, the relatively small sample size could be another limitation of the study.
 Keywords: Financial knowledge, Financial Attitude, Personal Financial Management Behavior