PENGARUH FINANCIAL TECHNOLOGY PAYMENT, FINANCIAL ATTITUDE, DAN FINANCIAL KNOWLEDGE TERHADAP FINANCIAL MANAGEMENT BEHAVIOR DALAM PERSPEKTIF BISNIS ISLAM (Studi Pada UMKM di Sukarame)

APRILAH, DWIYANTI (2026) PENGARUH FINANCIAL TECHNOLOGY PAYMENT, FINANCIAL ATTITUDE, DAN FINANCIAL KNOWLEDGE TERHADAP FINANCIAL MANAGEMENT BEHAVIOR DALAM PERSPEKTIF BISNIS ISLAM (Studi Pada UMKM di Sukarame). Diploma thesis, UIN RADEN INTAN LAMPUNG.

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Abstract

ABSTRAK Perkembangan teknologi keuangan dan pentingnya pengelolaan keuangan yang baik menjadi faktor penting bagi keberlangsungan Usaha Mikro, Kecil, dan Menengah (UMKM). Namun, masih terdapat permasalahan dalam perilaku pengelolaan keuangan pelaku UMKM yang dipengaruhi oleh Financial Technology Payment, Financial Attitude, dan Financial Knowledge dalam perspektif bisnis Islam. Rumusan masalah dalam penelitian ini adalah bagaimana pengaruh ketiga variabel tersebut terhadap Financial Management Behavior. Penelitian ini bertujuan untuk menguji pengaruh Financial Technology Payment, Financial Attitude, dan Financial Knowledge terhadap Financial Management Behavior dalam perspektif bisnis Islam pada UMKM di Sukarame. Penelitian ini menggunakan pendekatan kuantitatif dengan teknik analisis Partial Least Squares Structural Equation Modeling (PLS-SEM). Data dikumpulkan melalui kuesioner skala Likert dengan jumlah sampel 97 responden menggunakan metode non probability sampling. Hasil penelitian menunjukkan bahwa Financial Technology Payment berpengaruh positif dan signifikan terhadap Financial Management Behavior, Financial Attitude berpengaruh positif dan signifikan terhadap Financial Management Behavior, dan Financial Knowledge berpengaruh positif dan signifikan terhadap Financial Management Behavior pada UMKM. Kata Kunci: Financial Technology Payment, Financial Attitude, FinanciaABSTRACK The development of financial technology and the importance of proper financial management have become important factors for the sustainability of Micro, Small, and Medium Enterprises (MSMEs). However, there are still problems in the financial management behavior of MSME actors, which are influenced by Financial Technology Payment, Financial Attitude, and Financial Knowledge from an Islamic business perspective. The research problem of this study is how these three variables affect Financial Management Behavior. This study aims to examine the effect of Financial Technology Payment, Financial Attitude, and Financial Knowledge on Financial Management Behavior from an Islamic business perspective in MSMEs in Sukarame. This research uses a quantitative approach with Partial Least Squares Structural Equation Modeling (PLS-SEM) as the analytical technique. Data were collected through questionnaires using a Likert scale, with a total sample of 97 respondents selected using a non-probability sampling method. The results show that Financial Technology Payment has a positive and significant effect on Financial Management Behavior, Financial Attitude has a positive and significant effect on Financial Management Behavior, and Financial Knowledge has a positive and significant effect on Financial Management Behavior in MSMEs Keywords: Financial Technology Payment, Financial Attitude, Financial Knowledge, Financial Management Behavior. I Knowledge, Financial Management Behavior.

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