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The Effect of Financial Literacy and Financial Attitude on Financial Management Behavior in The Ujung Parappa Maros Women's Cooperative

Hasanuddin Journal of Applied Business and Entrepreneurship · Vol. 6 No. 1 (2023)

ISSN
2598-0890, 2598-0882
Published
2023-04-11
Publisher
Master of Management, Faculty of Economics and Business, Hasanuddin University.
Language
en

Abstract

This research aims to find out the phenomenon of the presence or absence of the effect of financial literacy and financial attitude on financial management behavior in women’s cooperative of ujung parappa maros. It can be seen from the fact that almost all members of the management do not get knowledge about finance with an educational background as 95% of them do not have a formal education or theoretical understanding and have not had a controlled financial behavior. Moreover, most of them do not finish elementary school. This research was contucted using a descriptive quantitative approach. The data collection technique was performed using questionnaire given to 48 female respondents. The data analysis techniques used were multiple linear regression test and hypothesis testing with simultaneous test, and partial test and determination coefficient test with the help of SPSS v.23. The results of the study shows that financial literacy has no effect on financial management behavior; financial attitude has an effect on financial management behavior, and financial literacy and financial attitude simultaneously have an effect on financial management behavior. This is because the respondents do not have enough knowledge and understanding as well as respond optimally and theoretically. Their financial knowledge is still not good for financial management. However, with the experience and training that is occasionally provided by Maros Cooperatives and MSMEs office even though it is not optimal, the members of women’s cooperative of ujung parappa maros are able to make financial decisions with financial planning based on this experience in combination with financial knowledge in a forecasted forecast in general.

Keywords

Collaboration network of the authors

40 authors · 117 co-authorship links · showing the 40 most connected

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  • Universitas Halu Oleo
  • Tadulako University
  • Affiliation unknown
  • Different organisations
  • Same organisation
  • Affiliation unknown
  • Thicker line = more joint articles · bigger circle = more articles
Show as table
Co-authorOrganisationJoint articles
Sahta GintingUniversitas Halu Oleo7
Namriah NamriahUniversitas Halu Oleo6
MUH TUFAILAAffiliation unknown5
Resman ResmanAffiliation unknown4
Hasbullah SyafAffiliation unknown3
Jufri KarimUniversitas Halu Oleo3
Darwis DarwisUniversitas Halu Oleo3
ZULFIKAR ZULFIKARUniversitas Halu Oleo2
M. Tufaila .Affiliation unknown2
Dewi Nurhayati YusufUniversitas Halu Oleo1
NURMA ADEAffiliation unknown1
FIRA SYAWALLIA AZZAHRAAffiliation unknown1
MUHIDIN MUHIDINUniversitas Halu Oleo1
Irvandi Arya BrataAffiliation unknown1
Bambang Hendro SunarmintoAffiliation unknown1
Syamsul Arifin SiradzAffiliation unknown1
la Ode RustamAffiliation unknown1
M. TUFAILA HEMONUniversitas Halu Oleo1
FIRDA NURFAUZIAffiliation unknown1
YUSRINA YUSRINAAffiliation unknown1
DAWAN DANDI SAPUTRAAffiliation unknown1
Sitti LeomoUniversitas Halu Oleo1
La MudiAffiliation unknown1
WAYAN RISAL SUMANTAAffiliation unknown1
DEWI DARMA LAKSANAAffiliation unknown1
RAMADAN LAMPOSOAffiliation unknown1
ALIYAMAN -Affiliation unknown1
Halizah Putri IrianiAffiliation unknown1
M SobarsyahAffiliation unknown1
Arfa ApriliantiAffiliation unknown1
Fauzi R. RahimAffiliation unknown1
Muhammad AliTadulako University1
Nia Nanda Nugrayani SetiyonoAffiliation unknown1
Fauziah UmarAffiliation unknown1
Dewi Putri Anjar WulanAffiliation unknown1
Rakhman LabaAffiliation unknown1
ZulfikarAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://journal.unhas.ac.id/index.php/hjabe/oai, first harvested 2 Nov 2026, last seen 2 Nov 2026.
Original metadata (oai_dc) 
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	<dc:title xml:lang="en">The Effect of Financial Literacy and Financial Attitude on Financial Management Behavior in The Ujung Parappa Maros Women's Cooperative</dc:title>
	<dc:creator xml:lang="en">Akmal, Muh.</dc:creator>
	<dc:creator xml:lang="en">Alam, Syamsu </dc:creator>
	<dc:creator xml:lang="en">Nohong, Mursalim</dc:creator>
	<dc:subject xml:lang="en">financial literacy</dc:subject>
	<dc:subject xml:lang="en">financial attitude</dc:subject>
	<dc:subject xml:lang="en">financial management behavior</dc:subject>
	<dc:subject xml:lang="en">not finish elementary                       School</dc:subject>
	<dc:subject xml:lang="en">cooperative</dc:subject>
	<dc:description xml:lang="en">This research aims to find out the phenomenon of the presence or absence of the effect of financial literacy and financial attitude on financial management behavior in women’s cooperative of ujung parappa maros. It can be seen from the fact that almost all members of the management do not get knowledge about finance with an educational background as 95% of them do not have a formal education or theoretical understanding and have not had a controlled financial behavior. Moreover, most of them do not finish elementary school. This research was contucted using a descriptive quantitative approach. The data collection technique was performed using questionnaire given to 48 female respondents. The data analysis techniques used were multiple linear regression test and hypothesis testing with simultaneous test, and partial test and determination coefficient test with the help of SPSS v.23. The results of the study shows that financial literacy has no effect on financial management behavior; financial attitude has an effect on financial management behavior, and financial literacy and financial attitude simultaneously have an effect on financial management behavior. This is because the respondents do not have enough knowledge and understanding as well as respond optimally and theoretically. Their financial knowledge is still not good for financial management. However, with the experience and training that is occasionally provided by Maros Cooperatives and MSMEs office even though it is not optimal, the members of women’s cooperative of ujung parappa maros are able to make financial decisions with financial planning based on this experience in combination with financial knowledge in a forecasted forecast in general. &amp;nbsp;&amp;nbsp;</dc:description>
	<dc:publisher xml:lang="en">Master of Management, Faculty of Economics and Business, Hasanuddin University.</dc:publisher>
	<dc:date>2023-04-11</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
	<dc:identifier>https://journal.unhas.ac.id/index.php/hjabe/article/view/24998</dc:identifier>
	<dc:source xml:lang="en">Hasanuddin Journal of Applied Business and Entrepreneurship; Vol. 6 No. 1 (2023): Hasanuddin Journal of Applied Business and Entrepreneurship</dc:source>
	<dc:source>2598-0890</dc:source>
	<dc:source>2598-0882</dc:source>
	<dc:language>en</dc:language>
	<dc:rights xml:lang="en">Copyright (c) 2023 Hasanuddin Journal of Applied Business and Entrepreneurship</dc:rights>
</oai_dc:dc>