Yuli Agustina, Subagyo, Lulu Nurulistanti
The owner of Micro, Small, and Medium Enterprises (MSMEs) is responsible for managing their business finances. This research aims to determine the influence of financial literacy and financial attitude on the financial management behavior of MSMEs. The subject of this study was MSMEs entrepreneurs who joined the Group of Preman Super. A total is 44 people who are in the Malang area. The analysis test tool used is SmartPLS Version 3 analysis with SEM (Structural Equation Model) analysis method, with the inner and outer model method. After tabulating the data, the results showed that the financial management behavior of female MSMEs paguyuban Preman Super is still relatively low. This can be influenced by not understanding financial concepts and financial products and insufficient access to financial management knowledge. MSMEs owners still lack complete willingness and responsibility for their financial condition. As the MSME business actress (housewives) of Independent Women Source of Change (Group of Preman Super), they involve their feelings in making financial decisions for their business. © 2022, Auricle Global Society of Education and Research. All rights reserved.
Department of Management, Economic Faculty, Universitas Negeri Malang, East Java, Indonesia