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Pengaruh Kompentensi Keuangan Terhadap Kinerja Usaha Pelaku Usaha Mikro Kecil Dan Menengah (UMKM) Di Kota Gorontalo (Studi Pengelolah Hasil Laut)

Tanggal Upload: 30/05/2025

Penulis / NIM:
SITTI NOVERIA DUNGGIO / E1119021

Program Studi:
S1 Akuntansi

Tahun Akademik:
2023

Kata Kunci:
knowledge, attitudes and behavior, MSME performance

Abstrak:

This research aims to find and analyze whether Financial Knowledge (X1), Financial Attitude (X2), and Financial Behavior (X3) simultaneously and partially affect the performance of marine products in Poklahsar MSME in Gorontalo City. This type of research is descriptive and associative quantitative research. It applies a multiple regression analysis technique. The research and analysis results explain that Financial Knowledge (X1), Financial Attitude (X2), and Financial Behavior (X3) simultaneously have a positive and significant effect on the performance of MSME actors (Y) of marine products of Poklahsar MSME in Gorontalo City, namely 89.40%. The remaining 10.60% is affected by other variables outside the model. The first hypothesis indicates that there is a positive and significant relationship between financial knowledge (X1), financial attitudes (X2), and financial behavior (X3) on the performance of MSME actors (Y) of marine products of Poklahsar in Gorontalo City, meaning that the hypothesis is accepted. Financial Knowledge (X1) positively and significantly affects the performance of MSME actors (Y) of marine products of Poklahsar MSME in Gorontalo City, with a contribution of 77.30%. The second hypothesis in this research is accepted. The Financial Attitude (X1) positively and significantly affects the performance of actors (Y) of the marine products of Poklahsar MSME in Gorontalo City, with a contribution of 43.80%. The third hypothesis in this research is accepted. The Financial Behavior (X1) positively and significantly affects the performance of MSME actors (Y) of the marine products of Poklahsar MSME in Gorontalo City, with a contribution of 40.20%. It means that the fourth hypothesis in this research is accepted. Future researchers are recommended to use other variables outside the model affecting the performance of MSME actors, such as Working Capital Aspects, Accounting Information Systems for MSMEs, and so on.
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