Socio-Economic Characteristics and Financial Literacy SME in Padang

Desiyanti, Rika Socio-Economic Characteristics and Financial Literacy SME in Padang. Socio-Economic Characteristics and Financial Literacy SME in Padang.

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Abstract

Financial literacy is the knowledge, understanding and skills in managing financial effort. All walks of life need financial literacy, including the SME (small medium enterprises). SME had a role in the development of the national economy. However the financial literacy levels of Small Medium Enterprises is still low. Literacy knowledge is required, it is necessary to analyse the socio-economic factors that affect the financial literacy. Purpose this research to prove empirically whether there is any difference before and after he gave financial literacy learning and knowledge to Small Medium Enterprises. This research also aims to analyse the socioeconomic factors (age, duration of efforts, gender, number of employees, total assets, Income, and level of education) that affects financial literacy. The research of using primary data and disseminate questionnaires to 100 Small Medium Enterprises in Padang City. Hypotheses and analyses performed with compare means paired sample t-test and multiple linear regression analysis. The results show there are significant differences before and after financial literacy gave financial literacy learning and knowledge to Small Medium Enterprises. Further socioeconomic factors that affect significantly is the gender and education level of Small Medium Enterprises.

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