PENGARUH LITERASI KEUANGAN DAN PENDAPATAN TERHADAP KESEJAHTERAAN FINANSIAL
(Studi Pada Pelaku Usaha Mikro Kuliner Malam di Jl. Cut Nyak Dien Pekanbaru)
DOI:
https://doi.org/10.35446/bisniskompetif.v4i3.2558Abstract
Abstract: Financial well-being is an important aspect for micro-entreprises, especially in the night
food sector, which has fluctuating income and high competition. This condition requires business
owners to be able to manage their finances in a stable manner, meet current needs, and be prepared
to face future risks. This study aims to analyze the influence of financial literacy and income on the
financial well-being of micro-entreprises in culinary nightlife sector on Jl. Cut Nyak Dien,
Pekanbaru City. The research method uses a quantitative approach and utilizes primary and
secondary data. The sample in this study was set at 80 from a population of 402, measured using
the Slovin formula. The data collection technique used was a questionnaire. The sampling method
used purposive sampling. Data analysis was performed using first-order reflective analysis with the
SmartPLS 4.1.1.6 application. The results showed that financial literacy was in the good category
and had a significant effect on improving financial well-being. Income also has a significant effect,
where stable income helps business actors meet their needs, save money, and maintain business
sustainability. These findings confirm that improving financial literacy and income plays an
important role in strengthening the financial well-being of micro culinary business actors on Jl. Cut
Nyak Dien, Pekanbaru City.
Keywords: Financial Literacy; Income; and Financial Well-Being
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