Fitri, Fitri and Dasila, Rifqa Ayu and Riyanti, Riyanti (2025) The Influence Of Budget Literacy And Financial Inclusion on The Performance Of Umkm in Palopo City. The Influence Of Budget Literacy And Financial Inclusion on The Performance Of Umkm in Palopo City, 7 (1). pp. 38-50. ISSN 2686-262X
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Abstract
This study aims to analyze the ef ect of budget literacy and financial inclusiononthe performance of Micro, Small, and Medium Enterprises (MSMEs) in PalopoCity. This study uses a quantitative approach with an associative method to test the relationship between independent variables (budgeting literacy and financial inclusion) and the dependent variable (MSME performance). Data were collectedthrough questionnaires distributed to 99 MSME actors in Palopo City andanalyzed using multiple linear regression with the help of SPSS version 26. Theresults of the study indicate that financial inclusion has a positive and significant ef ect on MSME performance, while budget literacy has a positive but insignificant ef ect. Simultaneously, both variables contribute 61.4% to MSME performance, while the rest is influenced by other factors outside this study. Therefore, increasingaccess to financial services and more comprehensive financial literacy education are needed to improve MSME performance.
| Item Type: | Article | |||||||||
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| Uncontrolled Keywords: | Budget Literacy, Financial Inclusion, MSME Performance | |||||||||
| Subjects: | L Education > L Education (General) | |||||||||
| Divisions: | Fakultas Ekonomi dan Bisnis > Akuntansi | |||||||||
| Depositing User: | Fitri Fitri | |||||||||
| Date Deposited: | 02 Jul 2025 06:47 | |||||||||
| Last Modified: | 02 Jul 2025 06:47 | |||||||||
| URI: | http://repository.umpalopo.ac.id/id/eprint/5603 |
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