Dahrani Dahrani|Fitriani Saragih|Pandapotan Ritonga
Model Pengelolaan Keuangan Berbasis Literasi Keuangan dan Inklusi Keuangan : Studi pada UMKM di Kota Binjai
Universitas Muhammadiyah Sumatera Utara|Universitas Muhammadiyah Sumatera Utara|Universitas Muhammadiyah Sumatera Utara
study aims produce model financial management based financial literacy financial inclusion study msmes binjai city meanwhile research time completion stage estimated approximately 8 months march 2021 october 2021 research basic research population sample study taken 205 micro small medium enterprises binjai city collaboration using cluster sampling approach 5 subdistricts binjai city well random sampling based criteria type duration average level business profit primary data collection carried using survey method using questionnaire questionnaire data analysis technique used descriptive statistical analysis sempls help smart pls software results showed based results data processing structural model results obtained financial literacy variable significant positive effect financial inclusion study msmes binjai city financial literacy significant positive effect financial management study msmes binjai city financial inclusion significant positive effect financial management financial inclusion positively mediate financial literacy financial management study msmes binjai city