THE INFLUENCE OF FINANCIAL LITERACY, LOCUS OF CONTROL AND FINANCIAL ATTITUDES ON FINANCIAL MANAGEMENT BEHAVIOR: A STUDY OF SUKLA SATYAGRAHA CERTIFIED CULINARY MICRO, SMALL AND MEDIUM ENTERPRISES IN GIANYAR REGENCY

Abstract

One of the important concepts in the financial discipline is financial management behavior. Good financial management behavior can help MSME business actors manage their finances and assets well. This research aims to determine the influence of financial literacy, locus of control and financial attitudes on financial management behavior among Micro, Small and Medium Enterprises (MSMEs) culinary businesses certified by Sukla Satyagraha in Gianyar Regency. The number of samples used in this research was 100 MSME business actors selected using purposive sampling. This research uses data analysis techniques, namely descriptive statistical analysis and inferential statistics. Based on the test results, it was found that financial literacy, locus of control and financial attitudes had a positive and significant effect on financial management behavior.

Keywords

• financial literacy
• locus of control
• financial attitudes
• financial management behavior