UPSI Digital Repository (UDRep)
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Abstract : |
Literasi kewangan sangat penting dalam menjamin kedudukan kewangan yang stabil. Justeru itu, tumpuan utama kajian ini adalah untuk menilai sejauh mana tahap literasi kewangan usahawan mikro dan pengaruhnya terhadap tingkahlaku kewangan yang diamalkan oleh mereka. Kajian ini menggunakan kaedah soal selidik dan responden adalah usahawan-usahawan mikro di utara semenanjung. Penemuan menunjukkan tahap literasi kewangan usahawan mikro adalah pada tahap yang sederhana. Ini telah mempengaruhi tingkahlaku kewangan mereka. Kesannya tingkahlaku kewangan menunjukkan tahap yang sederhana dalam aspek kemahiran pengurusan kewangan, perancangan, belanjawan dan kawalan dan juga simpanan. Justeru itu usaha perlu dilaksanakan untuk memperbaiki tahap literasi kewangan dan tingkahlaku kewangan khususnya dalam kalangan usahawan mikro. Penemuan ini adalah input yang penting kepada pihak yang berkaitan untuk mengambil inisiatif dalam meningkatkan tahap literasi kewangan serta mengekalkan pengurusan kewangan yang baik khususnya dalam kalangan usahawan mikro. |
References |
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