Faktor psikologis pemilik UMKM knalpot terhadap pengambilan keputusan keuangan di Kabupaten Purbalingga

Authors

  • Isnaeni Rokhayati Fakultas Ekonomika dan Bisnis, Universitas Wijayakusuma Purwokerto
  • Mayla Surveyandini Fakultas Ekonomika dan Bisnis, Universitas Wijayakusuma Purwokerto
  • Heru Cahyo Fakultas Ekonomika dan Bisnis, Universitas Wijayakusuma Purwokerto

DOI:

https://doi.org/10.53088/jmdb.v5i3.2173

Keywords:

Financial Decisions, Financial Knowledge, Financial Attitudes, Financial Planning, Muffler MSMEs

Abstract

The research aims to determine the influence of psychological factors on the financial decisions of micro, small, and medium enterprise owners. The population consisted of 90 muffler MSME owners in Purbalingga Regency, with 48 respondents selected as the sample. Data analysis used multiple linear regression. The analysis shows that financial knowledge, financial attitudes, and financial planning significantly influence the financial decision-making of muffler MSMEs in Purbalingga Regency. These findings suggest that psychological factors, such as financial knowledge, financial attitudes, and financial planning, possessed by micro, small, and medium enterprise owners can influence their financial decision-making in their businesses. Based on the study’s results, it is clear that a business owner must always pay attention to the psychological factors of financial knowledge, financial attitudes, and financial planning in every consideration of financial decisions in their business activities.

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Published

2025-12-30

How to Cite

Rokhayati, I., Surveyandini, M., & Cahyo, H. (2025). Faktor psikologis pemilik UMKM knalpot terhadap pengambilan keputusan keuangan di Kabupaten Purbalingga. Journal of Management and Digital Business, 5(3), 967–977. https://doi.org/10.53088/jmdb.v5i3.2173

Issue

Vol. 5 No. 3 (2025): Journal of Management and Digital Business

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Articles

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Copyright (c) 2025 Isnaeni Rokhayati, Mayla Surveyandini, Heru Cahyo

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