THE ROLE OF FINANCIAL LITERACY AND FINANCIAL ATTITUDE IN INCREASING INCOME
This research investigates the impact of financial literacy and financial attitudes on MSME income in South Palu using a quantitative approach. Primary data was collected directly from respondents through questionnaires, with data sources coming from MSME owners in the South Palu region. SPSS was u...
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| Format: | Article |
| Language: | English |
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Universitas Nusa Cendana
2025-07-01
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| Series: | Journal of Management Small and Medium Enterprises (SME's) |
| Subjects: | |
| Online Access: | https://ejurnal.undana.ac.id/index.php/JEM/article/view/20508 |
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| author | Nurul Hikmah Munawarah Munawarah Darman Darman Rian Risendy |
| author_facet | Nurul Hikmah Munawarah Munawarah Darman Darman Rian Risendy |
| author_sort | Nurul Hikmah |
| collection | DOAJ |
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This research investigates the impact of financial literacy and financial attitudes on MSME income in South Palu using a quantitative approach. Primary data was collected directly from respondents through questionnaires, with data sources coming from MSME owners in the South Palu region. SPSS was used for data analysis. The findings reveal that both financial literacy and financial attitudes significantly contribute to increasing MSME income. MSME owners with strong financial literacy can allocate budgets efficiently, cut unnecessary expenses, and optimize business potential. Positive financial attitudes, such as discipline, financial commitment, and prioritizing decision-making, form the core of business success. Financial attitudes play a more substantial role than financial literacy, as they are more directly applicable in decision-making. Financial literacy offers the knowledge, but without the right attitude, it remains theoretical and ineffective in practice.
Keywords: Financial Literacy; Financial Attitude; MSME Income; MSME
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| format | Article |
| id | doaj-art-3aa627ca21964f67b9fcf0dfcfa24995 |
| institution | Kabale University |
| issn | 2502-2385 2723-469X |
| language | English |
| publishDate | 2025-07-01 |
| publisher | Universitas Nusa Cendana |
| record_format | Article |
| series | Journal of Management Small and Medium Enterprises (SME's) |
| spelling | doaj-art-3aa627ca21964f67b9fcf0dfcfa249952025-08-20T03:56:45ZengUniversitas Nusa CendanaJournal of Management Small and Medium Enterprises (SME's)2502-23852723-469X2025-07-0118210.35508/jom.v18i2.20508THE ROLE OF FINANCIAL LITERACY AND FINANCIAL ATTITUDE IN INCREASING INCOMENurul Hikmah0Munawarah Munawarah1Darman Darman2Rian Risendy3Department of Management, Faculty of Economics and Business, Tadulako UniversityDepartment of Management, Faculty of Economics and Business, Tadulako UniversityDepartment of Management, Faculty of Economics and Business, Tadulako UniversityDepartment of Management, Faculty of Economics and Business, Tadulako University This research investigates the impact of financial literacy and financial attitudes on MSME income in South Palu using a quantitative approach. Primary data was collected directly from respondents through questionnaires, with data sources coming from MSME owners in the South Palu region. SPSS was used for data analysis. The findings reveal that both financial literacy and financial attitudes significantly contribute to increasing MSME income. MSME owners with strong financial literacy can allocate budgets efficiently, cut unnecessary expenses, and optimize business potential. Positive financial attitudes, such as discipline, financial commitment, and prioritizing decision-making, form the core of business success. Financial attitudes play a more substantial role than financial literacy, as they are more directly applicable in decision-making. Financial literacy offers the knowledge, but without the right attitude, it remains theoretical and ineffective in practice. Keywords: Financial Literacy; Financial Attitude; MSME Income; MSME https://ejurnal.undana.ac.id/index.php/JEM/article/view/20508Financial LiteracyFinancial AttitudeMSME IncomeMSME |
| spellingShingle | Nurul Hikmah Munawarah Munawarah Darman Darman Rian Risendy THE ROLE OF FINANCIAL LITERACY AND FINANCIAL ATTITUDE IN INCREASING INCOME Journal of Management Small and Medium Enterprises (SME's) Financial Literacy Financial Attitude MSME Income MSME |
| title | THE ROLE OF FINANCIAL LITERACY AND FINANCIAL ATTITUDE IN INCREASING INCOME |
| title_full | THE ROLE OF FINANCIAL LITERACY AND FINANCIAL ATTITUDE IN INCREASING INCOME |
| title_fullStr | THE ROLE OF FINANCIAL LITERACY AND FINANCIAL ATTITUDE IN INCREASING INCOME |
| title_full_unstemmed | THE ROLE OF FINANCIAL LITERACY AND FINANCIAL ATTITUDE IN INCREASING INCOME |
| title_short | THE ROLE OF FINANCIAL LITERACY AND FINANCIAL ATTITUDE IN INCREASING INCOME |
| title_sort | role of financial literacy and financial attitude in increasing income |
| topic | Financial Literacy Financial Attitude MSME Income MSME |
| url | https://ejurnal.undana.ac.id/index.php/JEM/article/view/20508 |
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