This research aims to know the effect of financial knowledge on firm performance; the role of financial behavior and access to finance as mediation and the role of financial risk attitude as moderation. The object of this research is the owner of small-medium enterprises, sector food and beverage in Malang. Data collection was carried out using a questionnaire of 150 respondents. Data analysis of this research uses partial least square (PLS). The finding indicates that financial knowledge has a positive and significant effect on firm performance; financial behavior mediates the relationship of financial knowledge dan firm performance; while access to finance doesn’t mediate the relationship of financial knowledge with firm performance. This research also found that financial risk attitude weakens the relationship of financial knowledge with financial behavior.
The purpose of this research is to analyze financial literacy in the digital start-up business of "Startup Singo Edan Malang" community. The research approach used quantitative and qualitative with descriptive analysis methods. The sample of this study was 117 respondents who were obtained through questionnaires and open interviews. The results were obtained information if knowledge of credit interest rates is preferred in making credit decisions. This is evident from the experience of short-term credit in banking financial institutions. The fact that investment knowledge is obtained is if there is more understanding of banking products than capital market investment products. However, the investment experience is not in line with this investment knowledge, because of community integration. For financial management regarding credit guarantees, the level of knowledge is high, but not with shortterm and long-term financial management. Experience in short-term financial management, especially credit cards, is based on a precautionary motive.
This study to examine the effect of brand community integration and perceived benefits on community commitment as moderated by type of community. This study uses a quantitative approach with a hypothesis testing approach. The sample of this research is the automotive and sneaker communities. The data analysis used was SEM analysis using PLS software. Variable Brand Community Integration (x1) does not have the effect of significantly at variable community commitment (Y) and the perceived benefit (X2 ) effect is significant to the variable community commitment (Y). The study explains how importance of brand community integration and perceived benefits have a contribution to building brand community commitment. Companies can pay attention to community involvement in increasing their commitment to continue using the product. Besides, Members of communities will tend to pay attention to the benefits that they get to follow the community, It is can be used by companies to improve the provision of benefits to the members, and will give benefits for the company to increase the commitment of the customers.
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