Pengaruh Gender, Latar Belakang Pendidikan Dan Literasi Keuangan Terhadap Perilaku Pengelolaan Keuangan UMKM Di Masa Pandemi (Studi Pada UMKM Eksportir Kabupaten Lombok Barat Yang Terdaftar Di Dinas Perdagangan Provinsi NTB)

Abstract

The purpose of this study was to examine the effect of gender, educational background and financial literacy on MSMEs financial management behavior during the pandemic. This research is an associative quantitative study with a sample of 30 MSMEs exporters in the West Lombok district registered at the NTB provincial trade office. The sampling technique used is purposive sampling with the predetermined criteria. The data analysis is carried out using the SPSS Statistic 24 program. This study obtained the results that gender had no effect on financial management behaviour, educational background had an effect on financial management behaviour, and financial literacy had no effect on the financial management behavior of MSMEs during the pandemic.