Financial Literacy of Batik Micro, Small and Medium Enterprises (MSMEs) Entrepreneurs in Bangkalan Regency

Nasrullah Nasrullah, Anita Kristina

Abstract


The aim of this research is to identify the financial literacy experiences of Batik MSME actors in Bangkalan Regency. This research uses a qualitative approach with phenomenological methods. Data was obtained through in-depth interviews with Batik MSME actors in Bangkalan Regency. The findings show that the financial literacy experience of the perpetrators is shaped by: (1) Aspects of the financial knowledge of the perpetrators show that there is a lack of understanding regarding financial products and in terms of making financial reports; (2) The attitude aspect shows that financial management is carried out based on limited rationality, not on long-term goals; (3). The capability aspect shows that the use of money obtained from business results is used in a planned manner; (4) The behavioral aspect shows that the perpetrators have an awareness of obeying tax payments

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References


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