THE INFLUENCE OF FINANCIAL KNOWLEDGE, FINANCIAL ATTITUDES AND PERSONALITY ON THE BEHAVIOR OF FINANCIAL MANAGEMENT OF TRADERS IN GUWANG GIANYAR ARTS MARKET, BALI IN THE COVID-19 PANDEMIC

Abstract

The implementation of PSBB (Large-Scale Social Restrictions) in early 2020 until the implementation of PPKM (Enforcement of Restrictions on Community Activities) in Java-Bali causes economic problems to still be felt for the majority of the community, especially business actors who must make the right strategy to survive during this pandemic. Business actors must have knowledge, attitude and personality about financial management, so that challenges in facing economic difficulties during this pandemic can be overcome. Therefore, this study aims to determine the effect of financial knowledge, financial attitudes, and personality on financial management behavior of traders at the Guwang Art Market, Gianyar, Bali. The research subject is 36 respondents, namely Guwang art market traders. This research was analyzed using multiple linear regression analysis. The results showed that financial knowledge had a positive effect on financial management behavior. Finance attitude has a positive effect on financial management behavior. However, different results indicate that personality has no effect on financial management behavior.

Pemberlakuan PSBB (Pembatasan Sosial Berskala Besar) di awal tahun 2020 hingga pada pemberlakuan PPKM (Pemberlakukan Pembatasan Kegiatan Masyarakat) di Jawa-Bali menyebabkan permasalahan ekonomi masih dirasa berat bagi sebagian besar masyarakat, terutama pelaku usaha yang harus membuat strategi tepat untuk bertahan di masa pandemi ini. Pelaku usaha harus mempunyai pengetahuan, sikap dan kepribadian tentang manajemen keuangan, sehingga tantangan dalam menghadapi kesulitan ekonomi di masa pandemi ini dapat diatasi. Oleh karena itu, penelitian ini bertujuan untuk mengetahui pengaruh pengetahuan keuangan, sikap keuangan, dan kepribadian terhadap perilaku manajemen keuangan pedagang Pasar Seni Guwang, Gianyar, Bali pada masa pandemi covid-19. Subjek penelitian adalah 36 orang responden yaitu pedagang pasar seni Guwang. Penelitian ini  dianalisis dengan metode analisis regresi linear berganda. Hasil penelitian menujukkan bahwa pengetahuan keuangan berpengaruh positif terhadap perilaku manajemen keuangan. Sikap keuangan berpengaruh positif terhadap perilaku manajemen keuangan. Tetapi, hasil berbeda menunjukkan bahwa kepribadian tidak berpengaruh terhadap perilaku manajemen keuangan.