THE INFLUENCE OF FINANCIAL KNOWLEDGE, FINANCIAL ATTITUDE AND FINANCIAL TECHNOLOGY ON FINANCIAL MANAGEMENT BEHAVIOR WITH LOCUS OF CONTROL AS A MEDIATING VARIABLE IN MSME ENTREPRENEURS IN THE CITY OF PEKANBARU

Authors

  • Herna Daniati
  • Identiti Universitas Islam Negeri Sultan Syarif Kasim Riau
  • Pelican Landri Institut Seni Indonesia Padang Panjang

DOI:

https://doi.org/10.5281/

Keywords:

Financial Knowledge,, Financial Attitude, , Financial Technology,, Locus of Control, , Financial Management Behavior

Abstract

This study aimed to examine the influence of financial knowledge, financial attitude, and financial technology on financial management behavior, with locus of control as a mediating variable among culinary sector MSMEs in Pekanbaru City. A quantitative approach was employed with purposive sampling of 96 respondents, and the data were collected through questionnaires and analyzed using SmartPLS 4.0. The results showed that financial knowledge, financial attitude, and financial technology had a positive and significant effect on financial management behavior. Furthermore, locus of control partially mediated the relationship between these independent variables and financial management behavior. These findings indicated that financial literacy, financial attitudes, financial technology adoption, and internal control were essential factors in shaping sound financial management practices, and implied that improving financial knowledge, fostering positive financial attitudes, and promoting the use of financial technology were crucial strategies to strengthen financial management behavior and support MSME sustainability

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Published

2026-01-13

Issue

Vol. 3 (2025): ICESS

Section

Articles

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Copyright (c) 2025 Identiti, Herna Daniati, Pelican Landri

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How to Cite

THE INFLUENCE OF FINANCIAL KNOWLEDGE, FINANCIAL ATTITUDE AND FINANCIAL TECHNOLOGY ON FINANCIAL MANAGEMENT BEHAVIOR WITH LOCUS OF CONTROL AS A MEDIATING VARIABLE IN MSME ENTREPRENEURS IN THE CITY OF PEKANBARU. (2026). Proceeding International Conference on Economic and Social Sciences, 3, 569-583. https://doi.org/10.5281/

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