Tingkat Literasi Keuangan UMK Makanan dan Minuman di Bogor Serta Faktor yang Memengaruhinya
DOI:
https://doi.org/10.29244/fagb.16.2.242-258Keywords:
education, financial literacy, locus of control, MSEs, trainingAbstract
Improving financial literacy is still a priority in national development. The financial literacy index is increasing, but is still lower than the financial inclusion index. The gap shows that people have access to financial products, but do not understand the products and their proper use. This study aims to analyze the level of financial literacy of food and beverage Micro and Small Enterprises in Bogor and the factors that influence it. The sample in this study was 54 Micro and Small Enterprises determined by purposive sampling technique with the criteria that the length of business is at least one year. Data were collected directly through interviews and online through google form. The measurement of financial literacy levels is based on the guidelines of the Otoritas Jasa Keuangan and Organization for Economic Co-operation and Development. Factors affecting the level of financial literacy were analyzed using multiple linear regression. The results showed that the average financial literacy level was 62.33%, meaning it was classified as sufficient literate. Education level, training, and internal locus of control have a positive and significant effect on the level of financial literacy. Therefore, collaboration between the government, financial institutions, and related institutions needs to be enhanced to expand more structured and sustainable financial literacy training and education programs for Micro and Small Enterprises, thereby improving their financial decision-making capabilities and supporting business sustainability.
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