PENGARUH TINGKAT LITERASI KEUANGAN PEMILIK USAHA TERHADAP PENGELOLAAN KEUANGAN. STUDI KASUS: UMKM DEPOK

Birawani D. Anggraeni

Abstract


Abstract
. Financial literacy affects a person's way of thinking on the financial condition and influence
strategic decisions in terms of finances and better management for business owners. This study uses
secondary data as study materials which will be given to the micro level that businesses with a
turnover of up to 300M per year in which the segment in general do not have good financial records
to then be used as financial statements. In a study using 12 samples of SMEs in the area of Depok
randomly selected. This study uses processed using descriptive statistics as well as the weighting at
the level of financial literacy.
Results from this study indicate that the level of financial literacy of low business owners so
that the effect on the ability to manage finances. This is reflected in the financial results of the
attitude of business owners where they merely record the receipt and expenditure of financial
business without being accompanied by supporting documents storage. Business owners so far have
not made the budget as a basis for evaluating the performance of their businesses. In addition the
ability of business owners to manage cash surplus and deficit shows the majority of using banks or
non-banks. They have not yet reached the stage of investing in financial products. Simple research is
expected to contribute to the field of accounting related to business continuity, especially in terms of
financial management business through increased financial literacy.
Keywords:. financial literacy, financial management, record keeping, budget


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DOI: http://dx.doi.org/10.7454/jvi.v3i1.23

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