Perilaku Keuangan, Financial Self-Efficacy dan Keterampilan Wirausaha terhadap Kinerja Keuangan UKM Fashion dan Kuliner
DOI:
https://doi.org/10.52103/jms.v2i1.424Keywords:
Perilaku Keuangan, Kinerja Keuangan UKMAbstract
Penelitian ini bertujuan menguji pengaruh perilaku keuangan terhadap kinerja keuangan UKM, pengaruh self-efficacy financial terhadap kinerja keuangan UKM dan secara simultan pengaruh perilaku keuangan dan financial self-efficacy keuangan. Sample yang digunakan dalam penelitian sebanyak 75 pelaku UKM sektor Fashion dan Kuliner di Kabupaten Gowa menggunakan analisis SmartPLS. Hasil penelitian membuktikan bahwa secara parsial perilaku keuangan dan keterampilan berwirausaha berpengaruh positif dan signifikan terhadap kinerja UKM, financial self-efficacy berpengaruh positif dan tidak signifikan kinerja UKM sedangkan secara bersama-sama variabel eksogen berpengaruh positif dan signifikan terhadap kinerja UKM sektor kuliner dan fashion Kabupaten Gowa.
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