Analisis Pengaruh Literasi Keuangan, Sikap Keuangan dan Pendapatan terhadap Perilaku Pengelolaan Keuangan (Studi Kasus pada Pelaku UMKM Sektor Perdagangan di Kota Surakarta)

Financial management behavior is considered to be one of the essential concepts in economics, such as allocation of financial resources and utilization This study aims to analyze the effects of financial literacy, financial attitudes, and the use of financial resources and income on financial management behavior (case studies on MSMEs in the trade sector in Surakarta). This study used a quantitative approach method. The sampling technique used in this study is purposive sampling with 90 MSME business owners who are engaged in trade with food & beverage, fashion, and grocery businesses. The source used was primary data by deploying questionnaires that were then analyzed using multiple linear regression analysis with IBM SPSS Statistics 26 software. Based on the results of the data processing conducted, the result that financial literacy variables have a significant effect on financial management behavior, financial attitudes have no effect on financial management behavior, and income has a significant effect on financial management behavior. With good financial management behavior will help MSME actors in preparing short-term and long-term financial planning and can be responsible for financial management of money and assets that are considered productive