The Influence Of Financial Inclusion And Income On The Financial Behavior Of Msmes

Abstract

This research aims to determine the effect of financial inclusion and income on the financial behavior of Micro, Small and Medium Enterprises (MSMEs) in Palopo City. This research uses quantitative methods. The sampling technique uses non-probability sampling with accidental sampling. Data was obtained by distributing 105 questionnaires to MSMEs in Palopo City. Data analysis used multiple linear regression analysis using IBM SPSS software. The results of the research show that financial inclusion and income have a positive and significant effect on the financial behavior of MSMEs in Palopo City. The test results show that the Fcount value is 409.074 > Ftable 3.08 and the significance value in the F test is 0.001 <0.05, which means that financial inclusion and income together have a positive and significant effect on financial behavior. In the research there is also an Adjusted R Square value of 0.887 which means that the level of influence of financial inclusion and income on financial behavior is 88.7%. This indicates that financial inclusion and income are able to influence the financial behavior of MSMEs while the remaining 11.3% is influenced by other variables outside the variables in this research.