Pentingnya Literasi Keuangan, Locus Of Control Dan Inklusi Keuangan Terhadap Perilaku Keuangan Pada Sektor UMKM

Abstract

This study was conducted to determine the relationship of causality between financial literacy variables, locus of control, and financial inclusion of the financial behavior of MSME actors in the Banyuasri Market environment in Buleleng Regency. The study was conducted using SEM (Structural Equation Modeling) analysis techniques with the PLS (Partial Least Square) method and used 75 Samples of MSMEs. After the hypothesis test, the results were obtained that financial literacy (4,977> 1,960), Locus of Control (2,341> 1,960), and financial inclusion (2,137> 1,960) had a positive influence on financial behavior. In addition, financial literacy, locus of control, and financial inclusion have a significant influence (value of p value <0.05) on financial behavior. This shows that, financial literacy, locus of control, and financial inclusion have an important role to influence the financial behavior of MSME actors in the Banyuasri Market environment in Buleleng Regency.   Keywords  : MSME sector, financial literacy, locus of control, financial inclusion, financial behavior   ABSTRAK Penelitian ini dilakukan untuk mengetahui hubungan kausalitas antar variabel literasi keuangan, locus of control, dan inklusi keuangan terhadap perilaku keuangan pelaku UMKM Di Lingkungan Pasar Banyuasri Di Kabupaten Buleleng. Penelitian dilakukan menggunakan teknik analisis SEM (Structural Equation Modeling) dengan metode PLS (Partial Least Square) dan menggunakan sebanyak 75 sampel pelaku UMKM. Setelah dilakukan uji hipotesis diperoleh hasil bahwa literasi keuangan (4.977>1.960), locus of control (2.341>1.960), dan inklusi keuangan (2.137>1.960) memiliki pengaruh positif terhadap perilaku keuangan. Selain itu, literasi keuangan, locus of control, dan inklusi keuangan memiliki pengaruh yang signifikan (nilai P Value <0.05) terhadap perilaku keuangan. Hal ini menunjukkan bahwa, literasi keuangan, locus of control,  dan inklusi keuangan memiliki peranan penting untuk mempengaruhi perilaku keuangan pelaku UMKM Di Lingkungan Pasar Banyuasri Di Kabupaten Buleleng.   Kata Kunci : UMKM, Literasi Keuangan, Locus of Control, Inklusi Keuangan, Perilaku Keuangan