Detail Cantuman

Usaha Mikro Kecil dan Menengah (IJNåKM) menjadi salah satu faktor penting dalam pembangunan ekonomi. UNTI1,96) dan P Value 0,000 (<0,05), pengelolaan pinjaman berpengaruh positif dan tidak signifikan terhadap pengelolaan keuangan dengan nilai path coefficient 0, 162, nilai T-Statistik 0,858 (<1,96) dan nilai P Values 0>391 pengelolaan simpanan berpengaruh negatif dan tidak signifikan terhadap pengelolaan keuangan dengan nilai -0,066, nilai T-Statistik 0,506 dan nilai P Values 0,612 (>0,05). Adapun besarnya niali R Square Adjusted adalah 0,576 atau 57,6 % pengaruh variabel pengetahuan keuangan, pengelolaan pinjaman dan pengelolaan simpanan terhadap pengelolaan keuangan. Sedangkan sisanya 42,5 % dipengaruhi oleh faktor lain.

Kata Kunci : Pengelolaan Keuangan, Pengeiahuan Keuangan, Pengelolaan Pinjaman Dan Pengelolaan Simpanan.

Micro, Small and Medium Enterprises (MSMEs) are one of the important factors in economic development. MSMEs that can support the economy are MSlvfEs that can run well. In achieving the success of a business, wise management is needed, especially financial management. Financial management is affected by various factors, one of which is financial literacy. This study aims to find out the influence of financial knowledge, loan management and savings management on financial management of MSNfEs in Luhak Nan Duo, Pasaman Barat. Sample of this study amounted to 40 MSMEs by determining the sample applying Accidental Sampling. The results show that financial knowledge has a positive and significant impact on financial management with path coefficient value of 0.707, T-Statistic value of 4.604 (> 1.96) and P Value of 0.000 (<0.05), loan management has positive and insignificant impact on financial management with path coefficient value of 0.162, T-Statistic value of 0.858 (<1.96) and P Values of 0.391 (>0.05), deposit management has negative and insignificant impact on financial management with value of -0.066, T-Statistic value is 0.506 (<1.96) and P Values is 0.612 (>0.05). The value of R Square Adjusted is 0.576 or 57.6% of the influence of financial knowledge variables, loan management and savings management on financial management. While the remaining 42.5% is affected by other factors.

Keywords :Financial Management, Financial Knowledge, Loan Management and Deposit Management.