Magno, Herlina Pereira (2025) Pengaruh Literasi Keuangan dan Tingkat Pendidikan Terhadap Kelangsungan Usaha UKM Di Dili Timor-Leste dengan Perilaku Keuangan Sebagai Variabel Intervening. Masters thesis, Universitas Hayam Wuruk Perbanas.
![[img]](http://eprints.perbanas.ac.id/style/images/fileicons/text.png) |
Text
ARTIKEL ILMIAH.pdf Restricted to Registered users only Download (334kB) |
|
|
Text
COVER.pdf Restricted to Registered users only Download (899kB) |
|
|
Text
BAB I.pdf Download (58kB) | Preview |
|
|
Text
BAB II.pdf Download (305kB) | Preview |
|
|
Text
BAB III.pdf Restricted to Registered users only Download (144kB) |
|
|
Text
BAB IV.pdf Restricted to Registered users only Download (240kB) |
|
|
Text
BAB V.pdf Download (158kB) | Preview |
|
|
Text
LAMPIRAN.pdf Restricted to Registered users only Download (1MB) |
Abstract
This study aims to examine the impact of financial literacy and education level on the business sustainability of SMEs in Dili, Timor-Leste, while also testing the role of financial behavior as an intervening variable. A quantitative approach was employed, using questionnaires to assess SME owners' financial literacy, education level, financial behavior, and business sustainability. Data were collected from 71 respondents and analyzed using Partial Least Squares (PLS). The findings indicate that financial literacy does not directly influence business sustainability but has an impact when mediated by financial behavior. Meanwhile, education level, both directly and indirectly, does not affect business sustainability. These results suggest that financial literacy alone is not sufficient to ensure business success without corresponding financial behavior. Additionally, education level has been proven not to influence business sustainability. Therefore, to support the continuity of SMEs, stakeholders should focus on enhancing both financial literacy and financial behavior. Keywords: financial literacy, level of education, financial behavior and SME’s business sustainability
| Item Type: | Thesis (Masters) |
|---|---|
| Subjects: | 600 - TECHNOLOGY > 650 - 659 MANAGEMENT & PUBLIC RELATIONS > 658 - GENERAL MANAGEMENT > 658.15 - FINANCIAL MANAGEMENT |
| Divisions: | Magister of Management |
| Depositing User: | HERLINA PEREIRA MAGNO |
| Date Deposited: | 20 Mar 2025 05:32 |
| Last Modified: | 20 Mar 2025 05:32 |
| URI: | http://eprints.perbanas.ac.id/id/eprint/13493 |
Actions (login required)
 |
View Item |