PENGARUH FINANCIAL TECHNOLOGY DAN FINANCIAL ATTITUDE TERHADAP PENINGKATAN FINANCIAL LITERACY DENGAN FINANCIAL BEHAVIOR SEBAGAI VARIABEL INTERVENING (STUDI KASUS PADA PELAKU UMKM MAKANAN DAN MINUMAN KOTA BENGKULU)

Abstract

This research aims to determine the influence of financial technology and financial attitude on financial literacy with financial behavior as an intervening variable (case study of food and beverage MSMEs in Bengkulu City). The analytical tool used was a quantitative method, using SmartPLS 4.1 and data collection techniques by distributing questionnaires using Google Form to 160 MSMEs. Hypothesis results (bootstrapping) show that the financial technology variable has a positive and significant effect on financial literacy. Financial technology has no significant influence on financial behavior. Financial attitude has a significant and influential effect on financial literacy. Financial attitude has a positive and significant effect on financial behavior. Financial behavior has a significant and influential effect on financial literacy. Financial technology has no significant effect on financial literacy which is mediated by financial behavior as an intervening variable. Financial attitude has a significant influence on financial literacy which is mediated by financial behavior as an intervening variable.