Does Debt Management Literacy Affect Loan Repayment Of Smes?
Several studies highlight the gap between perception and reality in financial literacy. Indicating that while individuals believe they have a good understanding of finance, the reality can be different. This emphasises the importance of objectively evaluating and improving financial literacy. This s...
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Auricle Global Society of Education and Research
2024
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ftjeatp:oai:ojs2.kuey.net:article/5912 2024-09-09T19:38:11+00:00 Does Debt Management Literacy Affect Loan Repayment Of Smes? Ela Elliyana Umi Widyastuti Agung Dharmawan Buchdadi 2024-06-13 application/pdf https://kuey.net/index.php/kuey/article/view/5912 https://doi.org/10.53555/kuey.v30i6.5912 eng eng Auricle Global Society of Education and Research https://kuey.net/index.php/kuey/article/view/5912/4237 https://kuey.net/index.php/kuey/article/view/5912 doi:10.53555/kuey.v30i6.5912 Copyright (c) 2024 Educational Administration: Theory and Practice Educational Administration: Theory and Practice; Vol. 30 No. 6 (2024); 2881 - 2891 2148-2403 1300-4832 Access to Finance Debt Management Literacy Financial Inclusion Loan Loan Repayment Small and Medium Enterprises info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article 2024 ftjeatp https://doi.org/10.53555/kuey.v30i6.5912 2024-06-19T23:31:54Z Several studies highlight the gap between perception and reality in financial literacy. Indicating that while individuals believe they have a good understanding of finance, the reality can be different. This emphasises the importance of objectively evaluating and improving financial literacy. This study aims to determine the level of debt management literacy, as well as its effect on loan repayment of 254 SMEs in Indonesia, the findings suggest that improving Debt Management Literacy (DML) can positively impact Financial Inclusion (FI) and Loan Repayment (LR), can reduce default rates, improve credit scores, financial stability, better financing options, risk mitigation, and effective long-term financial planning. These benefits can contribute to the overall financial health and success of Micro and Small Enterprises. Article in Journal/Newspaper DML Educational Administration: Theory and Practice |
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Educational Administration: Theory and Practice |
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ftjeatp |
language |
English |
topic |
Access to Finance Debt Management Literacy Financial Inclusion Loan Loan Repayment Small and Medium Enterprises |
spellingShingle |
Access to Finance Debt Management Literacy Financial Inclusion Loan Loan Repayment Small and Medium Enterprises Ela Elliyana Umi Widyastuti Agung Dharmawan Buchdadi Does Debt Management Literacy Affect Loan Repayment Of Smes? |
topic_facet |
Access to Finance Debt Management Literacy Financial Inclusion Loan Loan Repayment Small and Medium Enterprises |
description |
Several studies highlight the gap between perception and reality in financial literacy. Indicating that while individuals believe they have a good understanding of finance, the reality can be different. This emphasises the importance of objectively evaluating and improving financial literacy. This study aims to determine the level of debt management literacy, as well as its effect on loan repayment of 254 SMEs in Indonesia, the findings suggest that improving Debt Management Literacy (DML) can positively impact Financial Inclusion (FI) and Loan Repayment (LR), can reduce default rates, improve credit scores, financial stability, better financing options, risk mitigation, and effective long-term financial planning. These benefits can contribute to the overall financial health and success of Micro and Small Enterprises. |
format |
Article in Journal/Newspaper |
author |
Ela Elliyana Umi Widyastuti Agung Dharmawan Buchdadi |
author_facet |
Ela Elliyana Umi Widyastuti Agung Dharmawan Buchdadi |
author_sort |
Ela Elliyana |
title |
Does Debt Management Literacy Affect Loan Repayment Of Smes? |
title_short |
Does Debt Management Literacy Affect Loan Repayment Of Smes? |
title_full |
Does Debt Management Literacy Affect Loan Repayment Of Smes? |
title_fullStr |
Does Debt Management Literacy Affect Loan Repayment Of Smes? |
title_full_unstemmed |
Does Debt Management Literacy Affect Loan Repayment Of Smes? |
title_sort |
does debt management literacy affect loan repayment of smes? |
publisher |
Auricle Global Society of Education and Research |
publishDate |
2024 |
url |
https://kuey.net/index.php/kuey/article/view/5912 https://doi.org/10.53555/kuey.v30i6.5912 |
genre |
DML |
genre_facet |
DML |
op_source |
Educational Administration: Theory and Practice; Vol. 30 No. 6 (2024); 2881 - 2891 2148-2403 1300-4832 |
op_relation |
https://kuey.net/index.php/kuey/article/view/5912/4237 https://kuey.net/index.php/kuey/article/view/5912 doi:10.53555/kuey.v30i6.5912 |
op_rights |
Copyright (c) 2024 Educational Administration: Theory and Practice |
op_doi |
https://doi.org/10.53555/kuey.v30i6.5912 |
_version_ |
1809907163118698496 |