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Determinant Analysis of Financial Literature of MSME: Study Case at Kediri, Bali, Indonesia

Author

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  • Yanira Ayu Nani

    (Udayana University, Indonesia.)

  • Anak Agung Istri Ngurah Marhaeni

    (Udayana University, Indonesia.)

Abstract

The gap between the financial literacy index and the financial inclusion index shows that the interaction between the society, including micro, small and medium enterprises and financial institutions is uneven. Many MSME do not separate personal finance from business finance. This study aims to analyze the financial literacy of MSME actors in Kediri District and to analyze to simultaneous and partial effect of the variables such as education level, income, length of business, age, and gender on the level of financial literacy MSME actors in Kediri District. The population in this study is all MSME actors in Kediri District with a sample of 99 respondents. The data analysis technique used is multiple linear regression analysis. The result indicates that the financial literacy of MSME actors in Kediri District is considered medium level. The variables such as education level, income, length of business, age, and gender simultaneously influence the financial literacy MSME worker in Kediri District. The variables such as education level, income, length of business, and age have a significant and positive impact on the financial literacy MSME actors in Kediri District. This result means that the financial literacy level of men MSME actors are not higher than women MSME actors financial literacy level.

Suggested Citation

  • Yanira Ayu Nani & Anak Agung Istri Ngurah Marhaeni, 2022. "Determinant Analysis of Financial Literature of MSME: Study Case at Kediri, Bali, Indonesia," European Journal of Business and Management Research, European Open Science, vol. 7(5), pages 4-8, September.
    • Handle: RePEc:epw:ejbmr0:v:7:y:2022:i:5:id:51575
    DOI: 10.24018/ejbmr.2022.7.5.1575
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