Impact of Financial Literacy and Attitude on Resource Allocation Actors' Locus of Control as a moderating variable in the Small and Medium Food Industry

Authors

  • Dyah Puteri Rizky Universitas Khairun
  • Abdul Hadi Sirat Universitas Khairun
  • Putri Ekawati Dharma Universitas Khairun

DOI:

https://doi.org/10.33096/jmb.v10i2.671

Keywords:

Financial Literacy, Attitude, Resource Allocation Actor, Locus of Control

Abstract

This study's overarching goal is to learn more about how financial knowledge, financial attitude, and locus of control all interact to influence financial management behaviour. Forty SME proprietors from Ternate (mostly Ternate Tengah and Ternate Selatan) make up the study's sample. Purposeful sampling was used to choose the sample. In this work, SEM-PLS was used to check for validity of hypotheses. Based on the data, it appears that Financial Knowledge does not significantly influence Financial Management Actions. That Locus of Control does not play a mediating role in the connection between financial knowledge and management behaviour is another implication of this research. However, Financial Attitude significantly and positively affects Financial Management Actions. The subsequent studies showed that the relationship between financial attitude and financial management behaviour was partially mediated by locus of control.

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Published

2023-09-30

How to Cite

Rizky, D. P. ., Sirat, A. H., & Dharma, P. E. (2023). Impact of Financial Literacy and Attitude on Resource Allocation Actors’ Locus of Control as a moderating variable in the Small and Medium Food Industry. Jurnal Manajemen Bisnis, 10(2), 796–805. https://doi.org/10.33096/jmb.v10i2.671

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