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HALAMAN JUDUL..............................................................................i
HALAMAN PERSETUJUAN SKRIPSI...............................................ii
MOTTO................................................................................................. iv
KATA PENGANTAR............................................................................v
ABSTRAK............................................................................................vii
ABSTRACT.........................................................................................viii
DAFTAR ISI.........................................................................................ix
DAFTAR TABEL.................................................................................xi
DAFTAR GAMBAR............................................................................xii
DAFTAR LAMPIRAN........................................................................xiii
BAB I PENDAHULUAN
1.1 Latar Belakang .......................................................................1
1.2 Rumusan Masalah..................................................................10
1.3 Tujuan Penelitian...................................................................10
1.4 Manfaat Penelitian.................................................................10
BAB II TINJAUAN PUSTAKA
2.1 Tinjauan Teoritis....................................................................13
2.1.1 Perilaku Manajemen Keuangan......................................13
2.1.2 Pengetahuan Keuangan...................................................17
2.1.3 Sikap Keuangan..............................................................23
2.2 Penelitian Terdahulu..............................................................24
.......................................................................................................
.....................................................................................................11
2.3 Pengembangan Hipotesis.......................................................26
2.4 Kerangka Pemikiran..............................................................29

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BAB III METODE PENELITIAN
3.1 Ruang Lingkup Penelitian.....................................................30
3.2 Populasi dan Sampel..............................................................30
3.3 Teknik Pengumpulan Data.....................................................31
3.4 Instrumen Penelitian..............................................................31
3.5 Definisi Operasional Variabel ..............................................32
3.6 Teknik Analisis Data.............................................................35
BAB IV HASIL PENELITIAN DAN PEMBAHASAN
4.1 Deskripsi Objek Penelitian....................................................41
4.2 Karakteristik Responden........................................................42
4.3 Statistik Deskriptif.................................................................42
4.4 Uji Kualitas Data...................................................................43
4.4.1 Uji Validitas...................................................................43
4.4.2 Uji Reliabilitas...............................................................47
4.5 Uji Asumsi Klasik..................................................................48
4.5.1 Uji Normalitas................................................................48
4.5.2 Uji Multikolinearitas......................................................49
4.5.3 Uji Heteroskedasitas.......................................................50
4.6 Uji Hipotesis..........................................................................51
4.6.1 Analisi Regresi Linier Berganda....................................51
4.6.2 Koefisieen Determinasi (R2)..........................................53
4.7 Analisis dan Pembahasan.......................................................54
BAB V PENUTUP
5.1 Kesimpulan............................................................................57
5.2 Implikasi................................................................................58
5.3 Keterbatasan...........................................................................58
5.4 Saran......................................................................................59
DAFTAR PUSTAKA..........................................................................60
LAMPIRAN ........................................................................................62

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 DAFTAR TABEL

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Tabel 1.1 Data Perkembangan UMKM Tahun 2018 – 2019

di Indonesia............................................................................1
Tabel 1.2 Data Kelembagaan UMKM di Provinsi Maluku
Tahun 2018.............................................................................2
Tabel 1.3 Rincian UMKM Kab/Kota di Maluku Tahun 2018...............3
Tabel 2.2 Penelitian Terdahulu.............................................................24
Tabel 4.1 Ikhtisar Distribusi dan Pengembalian Kuesioner..................41
Tabel 4.2 Hasil Uji Deskriptif Statistik.................................................43
Tabel 4.3 Hasil Uji Validitas.................................................................44
Tabel 4.4 Hasil Uji Reliabilitas.............................................................47
Tabel 4.5 Hasil Uji Normalitas.............................................................48
Tabel 4.6 Hasil Uji Multikolinieritas....................................................50
Tabel 4.7 Hasil Uji Heteroskedastisitas................................................51
Tabel 4.8 Hasil Uji t Hipotesis..............................................................52
Tabel 4.9 Hasil Uji R2...........................................................................54

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 DAFTAR GAMBAR

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Gambar 2.1 Gambar Kerangka Pikir.....................................................29

Gambar 4.1 Hasil Uji Normalitas..........................................................49

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 DAFTAR LAMPIRAN

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Lampiran 1 Kuesioner...........................................................................63
Lampiran 2 Tabulasi Data.....................................................................73
Lampiran 3 Hasil Olah Data Primer......................................................78

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