Literasi dan Tingkahlaku kewangan Usahawan Mikro di Utara Semenanjung Malaysia
Financial Literacy and Behavioral of Micro Entrepreneur in The Northern Peninsula of Malaysia
DOI:
https://doi.org/10.37134/mrj.vol7.21.2018Keywords:
financial literacy, micro entrepreneur, micro-entrepreneurs, financial behaviorAbstract
Financial literacy is crucial in ensuring a stable financial position. Hence, the main focus of this study is to assess the extent to which the micro entrepreneurship financial literacy level and their influence on the financial behaviors practiced by them. This study uses questionnaires and respondents are micro-entrepreneurs in the northern peninsula. The findings show that the level of financial literacy of micro entrepreneurs is at a modest level. This has affected their financial behavior. The impact of financial behavior shows a moderate level of financial management, planning, budgeting and control skills as well as savings. Hence, efforts need to be made to improve the level of financial literacy and financial behavior especially among micro entrepreneurs. This finding is an important input to the relevant parties to take the initiative in improving the level of financial literacy and maintaining good financial management, especially among micro entrepreneurs.
Literasi kewangan sangat penting dalam menjamin kedudukan kewangan yang stabil. Justeru itu, tumpuan utama kajian ini adalah untuk menilai sejauh mana tahap literasi kewangan usahawan mikro dan pengaruhnya terhadap tingkahlaku kewangan yang diamalkan oleh mereka. Kajian ini menggunakan kaedah soal selidik dan responden adalah usahawan-usahawan mikro di utara semenanjung. Penemuan menunjukkan tahap literasi kewangan usahawan mikro adalah pada tahap yang sederhana. Ini telah mempengaruhi tingkahlaku kewangan mereka. Kesannya tingkahlaku kewangan menunjukkan tahap yang sederhana dalam aspek kemahiran pengurusan kewangan, perancangan, belanjawan dan kawalan dan juga simpanan. Justeru itu usaha perlu dilaksanakan untuk memperbaiki tahap literasi kewangan dan tingkahlaku kewangan khususnya dalam kalangan usahawan mikro. Penemuan ini adalah input yang penting kepada pihak yang berkaitan untuk mengambil inisiatif dalam meningkatkan tahap literasi kewangan serta mengekalkan pengurusan kewangan yang baik khususnya dalam kalangan usahawan mikro
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