The Role Of Financial Literacy And Financial Behavior Towards Personal Finance Planning In MSMEs

Ekaningtyas Widiastuti, Sugeng Wahyudi


This research is focused on MSMEs in the Banyumas Regency area, to examine the role of financial literacy and financial behavior in the personal finance of businessmen and their employees. Data collection methods were in the form of questionnaires and interviews. This study used Convenience sampling technique, and there were 68 samples collected. The data analysis tool was multiple linear regressions.
The results showed that financial literacy had no effect on personal finance, and financial behavior had a significant effect on personal finance. But simultaneously that financial literacy and financial behavior affect the personal finance. Financial knowledge supported by the right actions and behavior in making the right decisions related to finance can achieve the results of planning and management of personal and business finances effectively and efficiently.

Keywords: financial literacy, financial behavior, personal finance

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