Financial Behavior Of Umkm Crackers: Financial Literacy, Inclusion Finance, Spiritual Intelligence

Abstract

 The term management in everyday life shows symptoms that are increasingly familiar to all activities of human life. Financial management is a science and art that aims to maximize profits and minimize risks that will occur in the future by controlling and managing the finances owned. Financial management or generally termed financially managemented off there important aspectts for the development of companies, especially MSMEs players. The development of MSMEs is due to the good financial behavior that occurs in every actor who runs it. This study conducted determinan there effectt off financially literacy, financially inclusion, spiritual intelligence the financially behavior of cracker MSMEs. There cracker MSMEs actors in Mangli, Kaliwates Jember District, which has a sample size of 135 respondents using purposive sampling. Data collectionly techniquesst interviews and questionnaires. The analysis used in this study includes validity test, reliability test, multiple linear regression analysis, classical assumption test (normality test, multicollinearity test, heteroscedasticity test), and hypothesis testing (t test). The results of multiple linear regression analysis in this study prove that financial literacy (0.470), financial inclusion (0.338), spiritual intelligence (0.368).