Abstract

This study aims to investigate the effect of financial knowledge and financial attitude on financial management behavior, with self-efficacy acting as a mediating variable among Creative Economy MSME actors across Lombok Island. Employing a causal associative design with a quantitative approach, the sample consists of 100 respondents selected through proportional random sampling from the total MSME actor population. The results indicate that financial knowledge has a significant and positive impact on financial management behavior and self-efficacy. Conversely, financial attitude has an insignificant and positive impact on financial management behavior and on self-efficacy. Self-efficacy itself does not have a significant and positive effect on financial management behavior, nor does it mediate the relationship between financial knowledge and financial management behavior, or between financial attitude and financial management behavior. The study aims to provide valuable insights for MSME actors.

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