The Influence of Micro-Financing and Educational Levels on Fishermen's Financial Management with Financial Literacy as a Moderating Variable
DOI:
https://doi.org/10.32832/neraca.v21i1.22458Kata Kunci:
Financial Management, Microfinance, Financial Literacy, Education Level, FishermenAbstrak
This study aims to analyze the effect of microfinance and education level on fishermen's financial management, as well as to examine the role of financial literacy as a moderating variable. This study uses a quantitative approach with a survey method involving fishermen as respondents in the Trikora Coastal Area, Bintan Regency. The data analysis technique used is SEM-PLS to test the hypothesis. The results found that microfinance with a significance value of 0.043 and financial literacy with a significance value of 0.000 had a direct, positive, and significant effect on improving fishermen's financial management. Conversely, formal education level with a significance value of 0.848 was not proven to have a significant effect. An important finding from this study is the lack of financial literacy needed to regulate the relationship between financial management and microfinance as well as between education level and financial management. These results imply that in the context of fishermen, financial knowledge does not interact with access to capital or formal education, possibly because of the dominance of urgent operational needs and the higher relevance of practical knowledge (fishing experience)
Referensi
Abdullah, F., & Samsidar. (2025). Financial Literacy, Access to Capital, and Financial Management Practices Among Fishermen Entrepreneurs. Jurnal Manajemen Perbankan Keuangan Nitro, 1(4), 187–201. https://doi.org/10.56858/jmpkn.v1i4.765
Azizah, L. H., & Murdiono, A. (2023). Effect of Lifestyle and Finansial Literacy on Financial Behavior of Individuals with Level of Education as Moderating Variabels. Proceedings of the BISTIC Business Innovation Sustainability and Technology International Conference (BISTIC 2023), 87–92. https://doi.org/10.2991/978-94-6463-302-3_12
Fitriyah, R. D., & Ansori, T. (2022). Diversifikasi Pengelolaan Hasil Tangkap Nelayan Dusun Kaligung Pasuruan sebagai Upaya Ketahanan Ekonomi Keluarga Pesisir. Amalee: Indonesian Journal of Community Research and Engagement, 3(2), 425–442. https://doi.org/10.37680/amalee.v3i2.2093
Gunawan, A., Mukmin, Wahyuni, S. F., & Sari, M. (2023). Factors affecting financial management behavior of Paylater users in Indonesia: Examining the moderating role of locus of control. Investment Management and Financial Innovations, 20(4), 171–181. https://doi.org/10.21511/imfi.20(4).2023.15
Hair, J., Hult, G. T. M., Ringle, C., & Sarstedt, M. (2022). A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM).
Hidajat, T. (2015). An Analysis of Financial Literacy and Household Saving among Fishermen in Indonesia. Mediterranean Journal of Social Sciences, 6(5), 216–222. https://doi.org/10.5901/mjss.2015.v6n5s5p216
Khusnaini, K., & Liyana, N. F. (2023). Efektivitas Pembiayaan Modal Usaha Ultra Mikro (UMi) Pada Para Pelaku Usaha Mikro. Balance Vocation Accounting Journal, 6(2), 146. https://doi.org/10.31000/bvaj.v6i2.7346
Kumar, P., Pillai, R., Kumar, N., & Tabash, M. I. (2023). The interplay of skills, digital financial literacy, capability, and autonomy in financial decision making and well-being. Borsa Istanbul Review, 23(1), 169–183. https://doi.org/10.1016/j.bir.2022.09.012
Larasati, F., Suryantara, A. B., & Mataram, U. (2024). Exploration of Financial Management Models for Fisherman Groups in Soro Village , Dompu District ( Comparation Study of Successful Fishermen and Unsuccessful Fishermen ). Formosa Journal of Science and Technology (FJST), 3(6), 1369–1384.
Leonardo, B. H., & Amboningtyas, D. (2021). Pengelolaan Keuangan dan Pembiayaan untuk Meningkatkan Kesejahteraan Kampung Nelayan Tambak Lorok Kota Semarang. Jurnal Karya Abdi, 5, 609–612.
Loppies, L. S. (2023). The Role of Financial Literacy, Financial Knowledge and Financial Attitudes on Financial Management Behavior: Study of the Fisheries Industry in Ambon, Indonesia. Open Access Indonesia Journal of Social Sciences, 6(7), 1297–1304. https://doi.org/10.37275/oaijss.v6i7.203
Mustika, I., Herawati, T., & Muflikhati, I. (2023). Strategi Penghidupan, Manajemen Keuangan, Kerentanan Ekonomi, dan Ketahanan Keluarga Nelayan. Jurnal Ilmu Sosial Dan Humaniora, 12(2), 269–279. https://doi.org/10.23887/jish.v12i2.62017
Nadjib, M., & Thoha, M. (2023). Model kredit untuk nelayan : konstruksi atas sifat usaha dan budaya ekonomi. Ekonomi Dan Pembangunan, 31(2), 143–162. https://doi.org/10.55981/jep.
Nino, I. J., Setyorini, T., & Kabu, E. (2022). Household Financial Management in Phenomenology Perspective: A Case Study on a Fisherman Family in Kupang City. Proceedings of the International Conference on Applied Science and Technology on Social Science 2021 (ICAST-SS 2021), 647, 661–667. https://doi.org/10.2991/assehr.k.220301.108
Pomeroy, R., Arango, C., Lomboy, C. G., & Box, S. (2020). Financial inclusion to build economic resilience in small-scale fisheries. Marine Policy, 118, 103982. https://doi.org/https://doi.org/10.1016/j.marpol.2020.103982
Riyani, R., & Virgi, E. (2025). Tantangan dan Hambatan dalam Implementasi Literasi Keuangan di Kalangan UMKM di Pesawaran, Lampung. MDP Student Conference, 4(2), 944–949. https://doi.org/10.35957/mdp-sc.v4i2.11245
Rizqiandini, A., Meiriyanti, R., & Nastiti, P. R. (2025). Literasi Keuangan Sebagai Moderasi Hubungan Antara Perilaku dan Inklusi Keuangan Terhadap Keputusan Investasi Generasi Z. Jurnal Manajemen Dan Bisnis Jayakarta, 5(2).
Salsabila, Z., & Kosasih, K. (2024). Analisis Peran Lembaga Keuangan Mikro Dalam Mendukung Upaya Pengembangan Perekonomian Masyarakat (Umkm) Di Indonesia. Procuratio : Jurnal Ilmiah Manajemen, 12(3), 246–253. https://doi.org/10.35145/procuratio.v12i3.4327
Siti Komariah, Ely Masykuroh, & Berlianto Haris. (2025). The Role of Financial Literacy and Attitudes in Student Financial Management: Exploring Peer Influence as a Moderating Variable. Journal of Islamic Economics (JoIE), 5(1), 92–103. https://doi.org/10.21154/joie.v5i1.10309
Sulkiah, S. (2021). Pengaruh Pengelolaan Keuangan dan Pemberdayaan Wanita Nelayan terhadap Kesejahteraan Rumah Tangga. Tsaqofah, 1(3), 175–186. https://doi.org/10.58578/tsaqofah.v1i3.365
Sutarjo, S., Rosari, D., Purnomo, Y. J., Elshifa, A., & Aisyah, S. (2025). Strategi Manajemen Keuangan untuk Usaha Mikro: Pendekatan Pengabdian Masyarakat dalam Meningkatkan Kemandirian Ekonomi. Abdimas Indonesian Journal, 5(1), 19–28. https://doi.org/10.59525/aij.v5i1.570
Syauqina, A. H., & Munandar, A. (2023). The Impact of Education Level, Financial Literacy, and Lifestyle On Investment Decisions. SAR (Soedirman Accounting Review): Journal of Accounting and Business, 08(02), 162–170. https://doi.org/10.32424/1.sar.2023.8.2.8646
Thaha, S., & Afriyani, A. (2022). Pentingnya Financial Literacy Dalam Tata Kelola Keuangan Pribadi (Suatu Studi Pustaka). Jurnal Edueco, 4(1), 57–73. https://doi.org/10.36277/edueco.v4i1.79
Wijaya, H. R., Hati, S. R. H., Ekaputra, I. A., & Kassim, S. (2024). The impact of religiosity and financial literacy on financial management behavior and well-being among Indonesian Muslims. Humanities and Social Sciences Communications, 11(1), 1–13. https://doi.org/10.1057/s41599-024-03309-6
Zamzami, L., Azwar, & Darman Moenir, H. (2023). Enhancing social resilience and addressing economic uncertainty in small-scale fishing households along the west coast of West Sumatra. BIO Web of Conferences, 74, 1–10. https://doi.org/10.1051/bioconf/20237406001
