PENGARUH TINGKAT PENDAPATAN, PENGETAHUAN KEUANGAN, DAN PENGALAMAN KEUANGAN TERHADAP PERILAKU KEUANGAN PADA STARTUP BISNIS KOTA PALU

THE EFFECT OF INCOME LEVEL, FINANCIAL KNOWLEDGE, AND FINANCIAL EXPERIENCE ON FINANCIAL BEHAVIOR OF BUSINESS STARTUPSIN PALU CITY

Abstract

This study aims to gather information regarding the influence of income level, financial knowledge, and financial experience on the financial behaviour of business start-ups in the city of Palu. The research addresses the problem of whether there is a partial and simultaneous influence from the variables of income level, financial knowledge, and financial experience on financial behaviour. Based on this problem, the researcher proposes a hypothesis that the variables of income level, financial knowledge, and financial experience have a significant influence on financial behaviour. To test this hypothesis, this study employed a causal descriptive method and a Multiple Linear Regression analysis technique. The sampling technique was non-probability sampling, specifically incidental sampling, with a sample of 73 respondents. The hypothesis testing results of this study indicate that the three variables: Income Level, Financial Knowledge, and Financial Experience. They have a positive and significant influence on Financial Behaviour, with an F-value of 0.000 < 0.05. Furthermore, the Income Level variable partially also has a positive and significant influence on financial behaviour with a significance value of a 0.028 < 0.05, the Financial Knowledge variable partially has a positive and significant influence on financial behaviour with a significance value of a 0.009 < 0.05, and the Financial Experience variable partially has a positive and considerable influence on Financial Behaviour with a significance value smaller than a 0.000 < 0.05.