THE EFFECT OF FINANCIAL KNOWLEDGE ON FINANCIAL BEHAVIOR MEDITED BY FANANCIAL ATTITUDE AND FINANCIAL SELF EFFICACY ON MSME ACTIVITIES IN MEDAN CITY DURING THE COVID-19 PANDEMIC Desmilan Amelia, Nisrul Irawati, Chairul Muluk
Universitas Sumatera Utara
Abstract
This research was conducted on the Medan City Micro, Small and Medium Enterprises (MSMEs) registered with the Medan City Cooperatives and SMEs Office. This study aims to analyze how the influence of financial knowledge on financial behavior is mediated by financial attitude and financial self-efficacy in Medan City SMEs during the Covid-19 pandemic. This research is a quantitative research. This study uses an explanatory research approach, which aims to explain the causal relationship between research variables and hypothesis testing. The number of samples in this study were 95 respondents. In accordance with the formulated hypothesis, in this study the analysis of inferential statistical data was measured using SmartPLS (Partial Least Square) software. Based on the tests that have been carried out, the direct effect significance test shows that the independent variable Financial knowledge has a positive and significant effect on the dependent variable (Financial Behavior, financial attitide and financial Self Efficacy). And based on the indirect effect moderated by Financial Self Efficacy and financial attitude, the Financial knowledge variable has a significant effect,
