Financial Management Behavior and Financial Distress on Small Medium Enterprise in Indonesia
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This study used indicators of use of money. Indicators taken were evaluation, anxiety and non-generous. This three indicators were used to measure financial distress of Medan seaboard communities. This study is an explanatory research study to test hypotheses about the influence of behavior in using money for each different gender and financial distress experience. This study was conducted to obtain the answers to the existing hypothesis of research problems, so that the cause of problems and the problem-solving can be clear.This study used 60 respondents by using questionnaires to obtain data. SPSS application was used as testing tool. The results of this study show that partially evaluation has insignificant positive effect on financial distress. Anxiety has significant positive effect on financial distress. Non-generous has significant negative effect on financial distress. While dummy variable i.e gender explains that men experienced less financial distress than women. Partially, independent variable has significantly effect on financial distress.Meanwhile, partially, Evaluation has insignificant positive effect on financial distress. Anxiety has significant positive effect on financial distress. And non-generous has significant negative effect on financial distress. While from dummy variable i.e gender, it can be explained that men experience less financial distress than women.The further studies or researches should use more indicators than this study. Thus, the results will vary and improve knowledge on indicators that affect financial distress.