HUBUNGAN LITERASI KEUANGAN DAN PERILAKU KEUANGAN DENGAN KINERJA KEUANGAN UMKM

The purpose of this study was to determine the effect of financial literacy and financial behavior on the financial performance of MSMEs. A sample of 92 people was selected using nonprobability sampling technique, namely purposive sampling which is the UMKM actors in Kendari City. Then the data was analyzed using the SPSS version 29 program. The results showed that simultaneously financial literacy and behavior had a significant positive effect on financial performance. Partially, financial literacy has a significant positive effect on the financial performance of MSMEs, and financial behavior has a positive effect on financial performance