PENGARUH FINANCIAL KNOWLEDGE, FINANCIAL BEHAVIOUR DAN DIGITAL FINANCIAL CAPABILITY TERHADAP FINANCIAL INCLUSION, FINANCIAL CONCERN DAN PERFORMANCE PADA UMKM DI GERBANG KERTASUSILA

WULANSARI, YULI YANTI (2023) PENGARUH FINANCIAL KNOWLEDGE, FINANCIAL BEHAVIOUR DAN DIGITAL FINANCIAL CAPABILITY TERHADAP FINANCIAL INCLUSION, FINANCIAL CONCERN DAN PERFORMANCE PADA UMKM DI GERBANG KERTASUSILA. Doctoral thesis, Universitas 17 Agustus 1945 Surabaya.

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Abstract

This study aims to prove and analyze the effect of financial knowledge, financial behavior, and digital financial capability on financial inclusion, financial concern, and performance in SMEs in East Java. The population used in this study were 1,387,854 MSME actors in East Java, which is located in the Kertasusila Gate area. The sample in this study were 345 respondents who were determined by the non-probability sampling method. In this study a questionnaire research instrument was used, namely a set of questions addressed to respondents to obtain written information related to variable research and used the Structural Equation Modeling (SEM) analysis technique. The results of the study show that: (1) Financial knowledge has a significant effect on financial inclusion, (2) Financial behavior has a significant effect on financial inclusion, (3) Digital financial capability has a significant effect on financial inclusion, (4) Financial inclusion has no significant effect on financial problems , (5) Financial knowledge has a significant effect on financial concern, (6) Financial behavior has a positive and significant effect on financial concern, (7) Digital financial capability has a significant effect on financial concern, (8) Financial knowledge has an insignificant effect on MSME performance, ( 9) Financial Behavior has no significant effect on MSME performance, (10) Digital financial capability has no significant effect on MSME performance, (11) Financial inclusion has a positive and significant effect on MSME performance. (12) Financial concern has a positive and significant effect on MSME performance. Keywords: Financial knowledge, Financial behavior, Digital financial capability, Financial inclusion, Financial concern, Performance MSME

Item Type: Thesis (Doctoral)
Uncontrolled Keywords: Financial knowledge, Financial behavior, Digital financial capability, Financial inclusion, Financial concern, Performance MSME
Subjects: H Social Sciences > HC Economic History and Conditions
Divisions: Fakultas Ekonomi dan Bisnis > Doktor Ilmu Ekonomi
Depositing User: Unnamed user with email zainulfarid@icloud.com
Date Deposited: 01 Apr 2001 01:15
Last Modified: 01 Apr 2001 01:15
URI: http://repository.untag-sby.ac.id/id/eprint/38287

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