人格、自我控制和财务约束对财务规划的影响

N. Huda, Novita Indrain, Tyas Widy Cahyanti, Yuli Asmawati, Triska Oktaviani
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引用次数: 0

摘要

目的:中小企业(SME)一直是经济学家关注的焦点。此外,他们的财务规划能力反映在中爪哇省的财务知识水平上,该水平为33.51%,属于不识字类别。本文描述了一项研究的结果,该研究调查了人格、自我控制和财务约束对中爪哇省杰帕拉市中小企业财务规划的影响。研究设计与方法:使用SmartPLS软件,采用定量方法确定个性、自我控制和财务约束对财务规划的影响。本研究采用比例随机抽样法,从Jepara的中小企业主那里收集了285份问卷。使用Slovin公式确定样本量。变量的测量采用了以往研究的指标,并根据当前情况进行了调整。研究结果表明:人格、自我控制和财务约束对财务计划有积极而显著的影响。中小企业主表现出的积极个性及其控制情绪的能力对财务规划过程产生了积极影响。这些调查结果还表明,财政限制并不是中小企业保持生产力和进行未来财务规划的障碍。启示和建议:中小企业主可以利用这项研究的结果,因为他们更热衷于提高生产力。中小企业必须开始更详细地制定财务规划,以提高经营业绩并在市场中保持竞争力。未来的研究可以在更大的范围内,在国内甚至国际上重新审视这项研究的概念。贡献和增值:这项研究有助于社会和金融文献,因为它涉及财务规划过程中的个性。
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THE EFFECT OF PERSONALITY, SELF-CONTROL AND FINANCIAL CONSTRAINTS ON FINANCIAL PLANNING
Objective: Small and medium enterprises (SMEs) have become a focus of attention by economists until now. Furthermore, their financial planning capacity as reflected in the level of their financial literacy in Central Java province which is 33.51% and this is included in the not-literate category. This paper describes the results of a study investigating the effect of personality, self-control, and financial constraints on SME financial planning in Jepara, Central Java. Research Design & Methods: A quantitative approach is used to determine the effect of personality, self-control, and financial constraints to financial planning by using using software SmartPLS. This study used 285 questionnaires collected from SME owners in Jepara by proportional random sampling. The sample size was determined using the Slovin formula. Measurement of variables was done by the adoption of indicators of previous studies by adjusting it according to current situation. Findings: The results showed that personality, self-control, and financial constraints have a positive and significant effect on financial planning. The positive personality shown by SME owners and their ability to control emotions have a positive impact on the financial planning process. These findings also indicate that financial constraints are not an obstacle for SMEs to remain productive and conducting future financial planning. Implications & Recommendations: SME owners can use the results of this study as they are more enthusiastic to increase productivity. SMEs must begin to develop financial planning in more detail to improve business performance and maintain themselves in the market. Future research can re-examine the concept of this research on a larger scale, nationally or even internationally. Contribution & Value Added: This research contributes to social and financial literature because it involves personality in the financial planning process.
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审稿时长
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