HASIL CEK_Financial management of Micro Small Medium Enterprises (MSMEs) based on financial literacy and technology (Culinary sector MSME case study in the city of Yogyakarta)

The increase in human resources absorbed by MSMEs explains that the large potential has been developed and improved for MSMEs to contribute to the country. The challenge of global competition is uncertain economic conditions, due to the global conflict of war between Russia and Ukraine and the strengthening of the value of the dollar against the value of the rupiah. The increase in MSMEs is currently increasing in all Indonesian cities. Economic development in the city of Yogyakarta which has increased significantly, both physically, economically, socially and culturally. The city of Jogja is a metropolitan city and at the same time many tours can be a driving force for development in Indonesia. This type of research method is an associative type. The methodology used is quantitative using a purposive sampling technique. The sample collection technique uses all individuals from the entire population. Important information is obtained from surveys or questionnaires that are disseminated to Yogyakarta MSME actors, books, websites, and previous research. Data collection techniques with a questionnaire (questionnaire). The instrument test in the study used validity and reliability tests while the analysis technique study used multiple linear regression tests. The discussion of the partial test (t test) shows that Financial Literacy (X1) has an influence on Financial Management (Y). Technology (X2) has an effect on Financial Management (Y). Discussion on the joint test of Financial Literacy and Technology has a joint effect on Financial Management