ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI TINGKAT LITERASI KEUANGAN PELAKU UMKM DI KOTA TERNATE

Abstract

The purpose of this research is to provide benefits for learning financial management, especially in financial management for a business, through increasing financial literacy, which can be seen from the last education, income, and storage style. The number of samples used in this study was 95 respondents, and the sampling technique used the solving formula. Data analysis using multiple linear regression method and descriptive analysis of respondents' level of achievement with the help of SPSS software version 21. The results of this study indicate that, first, education has a positive and significant effect on the financial literacy of UMKM actors in Ternate City. Second, income has a positive and significant impact on the financial literacy of Ternate City UMKM actors. Third, the saving Style has a positive and significant effect on UMKM the financial literacy of Ternate City. Furthermore, there is a simultaneous influence of the variables of Education, Income, and Savings Style on the financial literacy of UMKM actors in Ternate City.