Literasi Keuangan Pelaku UMKM Kota Semarang

This research is aim to identify the small medium enterprise behavior pattern in the financial decision specially on investment, saving and consumption; to measure financial literacy and to measure the contribution of authority institution in customer financial education. This research is the descriptive analysis and used survey technique. The results showed that consumption behavior pattern is less than 60% from their income is used to consume; all respondents agree that they are take their saving with special appropriation from their income; 97,66% respondens choose that saving account as the first priority to invest their fund and 97% respondent choose to invest land/houses/property if they have more money. Financial literacy level are not literate 36%, less literate 28%, sufficient literate 27% dan well literate 9%. The last research finding is that the contribution of the authority institution is low, the society less literate about the financial institution and their products