Articlediamond2019

The Effect of Financial Literacy and Financial Experience on SME Financial Behavior in Indonesia

72 citations0/0 files storedJurnal Dinamika Manajemen

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Financial Literacy and Behavior Financial Literacy, Pension, Retirement Analysis Business, Education, Mathematics Research

Abstract

The aim of this study is to examine the effect of financial literacy and financial experience on SMEs financial behavior in Indonesia.The dependent variable is financial behavior while independent variables are financial literacy and financial experience. There are four control variables used, namely company size, business length, age and education level of SME owner. The respondent sample is 42 owners of SMEs in Purwokerto Selatan. This study used multiple regression analysis. The results showed that financial literacy has no effect on financial behavior. Financial experience has a positive effect on financial behavior. While among four control variables, only company size has a significant negative effect on financial behavior. Three control variables have no significant effect on financial behavior. The implication of this study, SME owners have good financial experience will increase financial behavior. Therefore, it is very important to improve the financial experience of SME owners

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References

1979Prospect Theory: An Analysis of Decision under Risk 1988Prospect theory: An analysis of decision under risk 1992Advances in prospect theory: Cumulative representation of uncertainty 2014The Economic Importance of Financial Literacy: Theory and Evidence 2015Debt literacy, financial experiences, and overindebtedness 2009Debt Literacy, Financial Experiences, and Overindebtedness 2013The Economic Importance of Financial Literacy: Theory and Evidence 2013The Economic Importance of Financial Literacy: Theory and Evidence

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