Pengaruh Financial Knowledge terhadap Keputusan Keuangan Usaha Kecil dan Menengah (UKM) di Pulau Lombok dengan Risk Perception  sebagai Variabel Intervening

Siti Aisyah  Hidayati; Sri  Wahyulina; Embun  Suryani

doi:10.29303/jseh.v10i3.706

Authors

Siti Aisyah Hidayati Fakultas Ekonomi dan Bisnis, Universitas Mataram
Sri Wahyulina Fakultas Ekonomi dan Bisnis, Universitas Mataram
Embun Suryani Fakultas Ekonomi dan Bisnis, Universitas Mataram

DOI:

https://doi.org/10.29303/jseh.v10i3.706

Keywords:

Financial Knowledge, Risk Perception, Financial Decisions

Abstract

This study aims to analyze the impact of Financial Knowledge on Financial Decision-Making, with Risk Perception as an intervening variable among Small and Medium Enterprise (SME) owners in Lombok Island. The research adopts a quantitative approach with explanatory research design. The population includes all SMEs in Lombok, with a sample of 35 SMEs involved in the pottery craft industry that have engaged in export activities, selected using judgment sampling. The respondents are the owners of these SMEs, who participated through questionnaires. Data were analyzed using Generalized Structured Component Analysis (GSCA). The findings reveal that Risk Perception does not mediate the relationship between Financial Knowledge and Financial Decision-Making. However, Financial Knowledge has a significant negative effect on Risk Perception, and Risk Perception has a significant negative effect on Financial Decision-Making. These results are influenced by the characteristics of the respondents, who are mostly in their productive age, predominantly male, with education levels ranging from high school to university, and have been in business for over 15 years

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https://data.ntbprov.go.id/dataset/umkm-berdasarkan-klasifikasi-usaha diakses 25 Mei 2023.