What is The Financial Behavior Of SMMEs in Surabaya?

Abstract

This research is to examine the factors that influence financial management behavior. There are several factors examined in this research, namely financial attitudes, financial knowledge and financial technology. This research aims to test whether financial attitudes, financial knowledge and financial technology influence the financial management behavior of culinary MSMEs in Ngagel Rejo Village, Surabaya City. This research focuses on culinary micro businesses. This research uses a quantitative approach and primary data types. The population in this research was 200 micro culinary entrepreneurs in Ngagel Rejo Village, Surabaya City. Determining the sample in this study used a probability sampling method with a sample of 67 respondents. The analytical method used is multiple linear regression with the help of SPSS version 25 software. The results of this study show that financial attitudes, financial knowledge and financial technology have a partially significant effect on financial management behavior. Furthermore, it simultaneously shows that financial attitudes, financial knowledge and financial technology influence financial management behavior. In this study, the independent variable influencing the dependent variable, namely financial management behavior, can explain 47.9%.